Health Suraksha Individual
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HDFC ERGO Health Suraksha health insurance plan covers in-patient treatments, pre-hospitalization expenses, 144 day-care procedures, domiciliary treatments and many such expenses incurred during treatment.


  • Avail cashless services from our vast network of more than 5000+ hospitals.
  • No Sub-limits on hospital room rents, hospital expenses, specific diseases and doctor fees.
  • Tax rebate available as per provision of Income Tax Rules under section 80-D.
  • 144 day Care Procedures covered.
  • Pre-existing diseases are Covered after 48 months of continuous coverage.
  • Get optional Benefits like Enhanced Cumulative Bonus,Regain Benefit,Co-Payment etc on payment of Addtional premium.
  • Get Convalescence Benefit Lumpsum payment of 1% of sum insured, max. of Rs.10,000 for Hospitalisation exceeding 10 Days.
  • Life long policy renewal is available.
Title Description
Room Rent Limit No Sub-limits on any disease, room rent, hospital charges and doctor fees
ICU Daily Rent Limit Covered
Pre-Hospitalization Expenses 60 days
Post Hospitalization Expenses 90 days
Minimum Hospitalization Period 24 Hrs
Day Care Procedure Coverage 144 procedures covered.
Additional Cover for Critical Illness Optional
Automatic Restoration of Sum Insured Yes (Optional)
Pre-Existing Disease / Illness coverage After 48 months
Waiting Period for New Policy 30 Days
Co-Payment 10%/20% Co- pay (Optional)
Medical Screening No Medical Check-up upto 45 years
Free Health Checkup Once after 4 claim free years
Ambulance Expenses Upto Rs.2000/3000 (as per Plan)
Non-Allopathic Treatments Pays for medical expenses for in-patient treatment taken under Ayurveda, Unani, Sidha or Homeopathy
New Born Baby Cover Optional
Daily Hospitalization Allowance Yes, Optional
Donor Expenses Pays for medical expenses for an organ donor's treatment in the event of organ transplantation
Nursing Allowance Covered
No Claim Bonus 5% bonus on Sum Insured for every claim-free year