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HDFC ERGO Health Suraksha Top up plus

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HDFC ERGO Health Suraksha Top up plus

HDFC ERGO's Health Suraksha Top up plus is designed to cater to different kinds of medical emergencies over a period of time. The plan offers additional coverage in the event of prolonged illness or a major accident, thus keeping the life insured protected under all circumstances. 


Key Features of HDFC ERGO Health Suraksha Top up Plus

  • Supplementary Coverage
  • Family discount of 10% - for 3 or more members of a family under same policy
  • No Medical Check-Up - up to 55 years
  • No Sub-limits on any disease, room rent, hospital charges & doctor fees 
  • 5% bonus for every claim-free year
  • Life Long Renewability


What is covered in HDFC ERGO Health Suraksha Top up Plus?

Claims under this policy shall be honored only if the combined of covered medical expenses in respect to hospitalizations) of insured person exceeds the deductible applicable on per policy year basis.
  • 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), etc., 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 140 day care procedures which do not require 24 hours hospitalization due to technological advancement in medical science.
  • 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 on harvesting the organ from the donor
  • Emergency Ambulance - Expenses up to Rs. 2000 per hospital for utilizing ambulance service for transporting insured person to hospital

Additional Features of HDFC ERGO Health Suraksha Top up Plus

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.


Exclusions - What is not covered in HDFC ERGO Health Suraksha Top up Plus

  • Any payment unless the medical expense exceed the deductible
  • Treatment during waiting period, except accident.
  • A waiting period of 30 days will apply to all claims
  • Pre-existing Conditions will not be covered until 48 months of continuous coverage have elapsed, since inception.
  • Expenses arising from HIV or AIDS and related diseases.
  • Mental disorder or insanity, cosmetic surgery, weight control treatment
  • Abuse of intoxicant or hallucinogenic substances like intoxicating drugs and alcohol.
  • Hospitalization due to war or an act of war or due to a nuclear, chemical or biological weapon and radiation of any kind.
  • Pregnancy, dental treatment, external aids and appliances.
  • 2 year exclusions for specific diseases
  • Experimental, investigative and unproven treatment devices and pharmacological regimens.
  • Please refer to the Policy Wording for the complete list of exclusions.
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