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HDFC ERGO Health Suraksha Gold

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HDFC ERGO Health Suraksha Gold

HDFC ERGO Health Suraksha Gold, is a comprehensive health insurance plan that covers in-patient treatment cost, pre and post hospitalization expenses with no sub-limits on disease, hospital room rents, doctors fees and hospital charges.

Key features HDFC ERGO Health Suraksha Gold

  • No limit for age at entry
  • AYUSH cover available without any sub limit
  • Maternity Benefit available after a waiting period of 4 Yrs along with New Born baby cover
  • Convalescence benefit provided if the period of hospitalization has exceeded 10 consecutive and continuous days
  • E- opinion provided upon diagnosis of a Critical Illness
  • No Sub-limits on any disease, room rent, hospital charges and doctor fees


What is covered in HDFC ERGO Health Suraksha Gold?

  • In-patient Treatment - Covers medical expenses for hospitalization due to an illness or accident. The medical expenses for room rent, boarding expenses, nursing, intensive care unit, medical practitioner(s), medicines or drugs and other related expenses will be paid.
  • Pre-Hospitalization - The medical expenses incurred due to an illness in 60 days immediately before the insured person was hospitalized
  • Post-Hospitalization - The medical expenses incurred in 90 days immediately after the insured person was discharged post hospitalization
  • Day Care Procedures - The medical expenses for 144 day care procedures which do not require 24 hours hospitalization.
  • Domiciliary Treatment - The medical expenses incurred by an Insured Person for availing medical treatment at his home which would otherwise have required hospitalization.
  • Organ Donor - The medical expenses for an organ donor's treatment in the event of organ transplantation
  • Emergency Ambulance - Expenses covered for utilizing ambulance service for transporting insured person to hospital
  • Ayush - medical expenses for in-patient treatment taken under Ayurveda, Unani, Sidha or Homeopathy up to the policy Sum Insured
  • Maternity Expenses - Medical expenses for maternity including pre-natal and post-natalexpenses after a waiting period of 4 years
  • Newborn baby - Coverage for medical expenses of newborn incurred due to hospitalisation within 90 days after the birth.
  • E-Opinion in respect of a Critical Illness
  • Convalescence Benefit - Lump sum payment of 1% of the sum insured up to a maximumof Rs. 10,000 in an event of hospitalization exceeding 10 continuous and completed days.

Additional Benefits/Features of HDFC ERGO Health Suraksha Gold

  • Discount on Health checkup – up to 1% of Sum Insured, maximum up to Rs. 5,000 for a Health Checkup after 4 consecutive claim-free year.
  • Cashless Treatment at Network Hospital
  • Individual and Family Floater option
  • No entry age limit
  • Coverage period - one year or two years 
  • Maximum cover up to– 10 lacs
  • Tax Benefit under section 80D
  • Free look – If the policy holder is not convinced with the Terms and Conditions of the policy, then h/she can cancel the policy within 15 days of receipt of policy document.

Eligibility criteria in HDFC ERGO Health Suraksha Gold

  Minimum Maximum
Sum Insured – Individual (Rs.) 3,00,000 10,00,000
Sum Insured – Family Floater (Rs.) 3,00,000 10,00,000
Entry Age 91 days No Limit
Maximum Renewal Age - Lifetime

Exclusions - What is not covered in HDFC ERGO Health Suraksha Gold?

  • Any treatment within first 30 days of cover except any accidental injury
  • Maternity waiting period of 4 yrs
  • Pre-existing conditions will not be covered for first 48 months
  • 24 Months waiting period for specified illnesses & treatments
  • Expenses arising from HIV or AIDS and related diseases.
  • Mental disorder or insanity, cosmetic surgery, weight control treatment
  • Abuse of intoxicant or hallucinogenic substance like drugs and alcohol
  • Hospitalization due to war / acts of war, nuclear, chemical / biological weapon & radiation of any kind
  • Pregnancy, dental and external aids and appliances unless covered under specific Plans
  • Terrorist activities, radioactivity or war

Discounts under HDFC ERGO Health Suraksha Gold

  • 10% discount if the policyholder pays for a 2-year tenure of the policy
  • Family Discount of 10% if 2 or more family members are covered under Health Suraksha on Individual Sum Insured basis

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