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A policy that works along with your current health insurance policy and enhances it to provide you a larger coverage at a much lower premium.

You can opt for this policy even if you don’t have an existing health insurance policy, the initial expenses can either be covered by your current policy or can be paid by you. Lifelong renewability available and no medicals required up to 55 years.

Key Highlights

  • Variable sum insured options

  • In-patient hospitalization and no-sub limits

  • No medicals till 55 yrs or if no pre-existing illness

  • Fixed premium beyond the age of 61

  • Entry Age: 18 to 65 years

  • Discount of 10% if family covered on individual SI basis

  • 6 hrs response guarantee for cashless claims

  • 1yr and 2 yr tenure option

  • Lifelong renewability

    50% of the standard medical tests charges would be reimbursed, subject to acceptance of proposal and policy issuance



  • In-patient treatment

  • Pre/Post hospitalization Charges

  • Day-Care procedures – 24 hour of hospitalization needed

  • Pre-existing Diseases – waiting of 3 years

  • Pre-existing Diseases – Option to cancel the policy within 15 days of purchase



  • Expenses covered are only beyond deductible/base policy cover

  • Waiting period of 3 years on PEDs

  • Waiting Period of 30 Days for All claims except during accident

  • Waiting Period of 2 Years for Specific Diseases

  • Non-allopathic treatment, HIV/AIDS treatment, cost of treating mental disorders, cosmetic surgeries, and damage due to intoxicating substances

  • Pregnancy expenses, dental and external aids costs

  • Any kind of experimental or unproven medical care

To know more about the policy, please read the policy document carefully.

Hi I am DIA, your Digital Insurance Agent from HDFC Ergo, I can help you in the following ways