Health Suraksha With Regain And Ecb Individual
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HDFC ERGO comprehends your needs of a secure and healthy future that guarantees coverage in case of medical exigencies while befitting your budget well.


  • Optimized health insurance plans at affordable cost
  • A network of more than 6000+ hospitals to choose from to avail cashless services
  • No limit for age at entry
  • AYUSH cover available without any sub limit
  • Enhanced Cumulative Bonus @ 10% per claim free year upto 100% of Sum insured
  • Option to choose from Individual or Family Floater Health Insurance plans
  • REGAIN benefit – Automatic availability of Sum Insured upon its exhaustion
  • Get benefits on Income Tax under Section 80D of the Income Tax Act
  • Enjoy hassle free claim procedures with least documentation and settlement times
  • No Sub-limits on any disease, room rent, hospital charges and doctor fees
Title Description
Room Rent Limit No sub-limits on the hospital room rents.
ICU Daily Rent Limit No Sub-limits on any disease, room rent, hospital charges and doctor fees
Pre-Hospitalization Expenses Medical costs incurred during 60 days prior to hospitalization are reimbursed
Post Hospitalization Expenses Medical costs incurred during 90 day period following discharge post hospitalization are reimbursed
Minimum Hospitalization Period 24 hours
Day Care Procedure Coverage Expenses for -144 listed day care procedures that does not need 24 hours hospitalization on account of technological advancements are reimbursed
Automatic Restoration of Sum Insured provides for an automatic availability of basic sum insured upon its exhaustion (inclusive of any cumulative bonus ) during the policy year
Pre-Existing Disease / Illness coverage After 48 months of continuos coverage.
Medical Screening No Medical Check-up upto 45 years
Free Health Checkup Pays upto 1% of Sum Insured, maximum upto Rs. 5000 for a Health Checkup after 4 consecutive claim-free years
Ambulance Expenses Upto Rs. 2,000 for SI 300000, 400000 & 500000 AND Rs 3,500 for SI 750000 & 1000000 reimbursed as ambulance expense during an emergency
Non-Allopathic Treatments Inpatient treatment medical expenses under Homeopathy, Siddha, Ayurveda or Unani are reimbursed upto Sum Insured
Donor Expenses Medical costs for harvesting an organ donated are reimbursed
Nursing Allowance Covered
No Claim Bonus The basic sum insured of your policy cover will increase by 10% for every claim free year up to 100% of basic sum insured and will decrease by 10% in case of a claim