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Introduction
What's included?
What's not included?
Why Choose HDFC ERGO?
FAQs

Health Suraksha Top Up Health Insurance Plan

HDFC ERGO’s Health Suraksha Top Up Plus is what you can turn to when you feel you want something more from your medical insurance policy. Our Top Up plan not only supplements your primary health insurance cover at a low cost, but also comes with a host of additional benefits.

Our Health Suraksha Top Up Plus offers benefits to suit your needs with no room rent restriction, no sub limits and the option of lifelong renewability.

Reasons to choose Health Suraksha Top-up Insurance

No room rent sub-limits

Worried that you can’t afford that swanky hospital room with your insurance plan? With HDFC Health Suraksha you can bask in healthcare comforts.

Wide range of Sum Insured

No compromises with your health insurance. Choose the sum insured plan exactly according to your needs and preferences. We have spoilt you for choices.

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What’s included?

In-Patient treatment

Hospital stays can be disheartening but we make everything easy and comfortable. Know More...

Pre-hospitalization

Before hospitalisation, there are expenses towards doctor consultations, check-ups and prescriptions. Know More...

Post- hospitalisation

Get full coverage of expenses incurred on doctor consultations, rehabilitation charges etc. till 90 days after hospitalisation.

Day Care procedures

Get full coverage up to sum insured on medical procedures that take up less than 24 hours.

Organ Donor

For a noble deed as organ donation, we cover the organ harvesting expenses caused to the donor.

Emergency Ambulance

Absence of timely help can prove fatal. Our policy pays transportation expenses to help reach the nearest hospital ,if the insured encounters life-threatening injuries.

What does Critical illness insurance not cover?

Adventure sport injuries

Adventure sports can give you an adrenaline rush,but when coupled with accidents, they can be hazardous. Our policy does not cover accidents encountered while participating in adventure sports.

Self-inflicted injuries

You might think of causing injury to your precious self,but we don’t want you to hurt yourself. Our policy does not cover self-imposed injuries.

War

War can be disastrous and unfortunate. However,our policy does not cover any claim that are caused due to wars.

Participation in defense operations

Our policy does not cover accidents while you are participating in defense (Army/Navy/Air Force) operations.

Venereal or sexually transmitted diseases

We do understand the criticality of your disease. However,our policy does not cover venereal or sexually transmitted diseases.

Treatment of obesity or cosmetic surgery

Treatment of obesity or cosmetic surgery is not eligible for coverage under your insurance policy.

For detailed inclusion and exclusion please refer the sales brochure/policy wordings

Understanding "Deductibles"

What is Deductible?

Deductible is a fixed amount paid out-of-pocket by an insured for the medical expenses before an insurance company pays the balance cost.

What is Aggregate Deductible?

Sum total of all the claims incurred by the insured during a policy period.

How does Aggregate Deductible Work?

Suppose you have bought a Health Suraksha Top-up policy with Rs. 3 lac aggregate deductible and 7.5 lacs sum insured. In case during the policy period there is 1 or more claim more than Rs. 3 lacs then Health Suraksha Top-up will pay you the balance amount incurred upto maximum 7 lacs.

Let’s understand how Health Suraksha Top-up policy?

Claim 1	75,000
Claim 2	50,000
Claim 3	1 Lac
Claim 4	1 Lac
Total claims	3.25 Lacs
Aggregate Deductible as per policy	3 Lacs
Total Sum Insured	7 Lacs
Balance Claim payable	25000
Balance Sum Insured	7.25 Lacs

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Regular claim update on your mobile

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Why choose HDFC ERGO General Insurance?

Secured Over #1.6 Crore+ Smiles!

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.

Why HDFC ERGO?

All the support you need-24x7

We understand that in times of distress, instant help is the need of the hour. With our 24x7 customer care and dedicated claims approval team, we ensure to be your constant support system in times of need.

Why HDFC ERGO?

Transparency In Every Step!

Claims is the most important part of insurance policy and we attach maximum importance to seamless claims process.

Why HDFC ERGO?

Wellness App.

We go beyond health insurance, caring for your body as well as mind. my:health services application will help you embrace a healthy lifestyle. Get your health card, track your calorie intake, monitor your physical activity and enjoy well-being at its best.

Why HDFC ERGO?

Go Paperless!

We don't like paperwork either. In this fast world, get your policy online with minimum documentation and easy payment methods.

Why HDFC ERGO?

Secured Over 1.6 Crore+ Smiles!

All the support you need-24 x 7

Transparency In Every Step!

Claims is the most important part of insurance policy and we attach maximum importance to seamless claims process.

Integrated Wellness App.

Go Paperless!

We don't like paperwork either. In this fast world, get your policy online with minimum documentation and easy payment methods. Your policy straight-away sits in your inbox.

Frequently asked questions

1. Why do I need a Top Up Plus plan for Health Insurance?

It supplements your existing medical insurance,covers one against medical emergency in case of exhaustion of the basic cover,covers one against medical emergency in case of change in job and supplements your savings when the treatment costs exceed your savings.

2. Is there any eligibility criterion for purchasing this policy?

Health Suraksha top up plus is open to individuals from the age of 91 Days to 65 years. However there will be no exit-age for ceasing of the cover.

3. Are there any medical tests that I need to undergo to enroll myself?

No pre policy medical check-up is required for individuals upto 55 years. Subject to no medical adversities.

4.Is there any tax exemption under the policy?

Yes, you can avail upto Rs.15,000 as tax benefit under ‘Section 80D’. In case of senior citizens, you can avail upto Rs.20,000 as tax benefit under 'Section 80D'.

5. What do you mean by Pre-Existing Diseases?

Pre-existing diseases refers to any condition, ailment, injury or illness that you have been diagnosed with or had symptoms of before taking your first policy.

6. Will my Pre-existing diseases be covered in Top Up?

Pre-existing diseases will be covered in Top Up only after 48 months of continuous coverage.

7. Is there any waiting period?

Yes, there is a waiting period of 48 months (or 4 years) for before Health Suraksha Top Up starts covering the pre-existing diseases.

Our customers have rated us with 4.4/5 Stars

22,662 Reviews

Read all reviews

I have a policy with HDFC and it has been a great experiense with HDFC team.

VASANT PATEL

my:health Suraksha

I have been very happy with the way my claims have been handled and resolved. Thank you!

VIJAY C GOHIL

MY:HEALTH SURAKSHA

Excellent

BHARAT . PATEL

MY:HEALTH SURAKSHA

Great

RAJESHKUMAR KANAIYALAL MER

MY:HEALTH SURAKSHA

Hassle free claim settlment

RUPESH KUMAR SONI

MY:HEALTH SURAKSHA

Good

KALPESHBHAI KANUBHAI BAVADIYA

HEALTH WALLET

Best claim settlement

VIPPERLA MALLIKARJUNA RAO

HEALTH WALLET

Excellent service

MANIK CHAND SONI

HEALTH WALLET

HDFC ERGO has a good health claim process. I was very happy with the claim settlement

RAHUL RAGHUWANSHI

AROGYA SANJEEVANI POLICY

I'm faizal and I want to tell you I'm very happy to got hdfc ergo service. I raised claimed which is got approved within a moments I got credited within a day.

Faizal Khan

Health Suraksha Family Policy

Very good for claim time I'm so impressed to hdfc ergo policy... intimation claim and others benefits......

Mohan Motiram Chavan

Health Suraksha Family Policy

Very good for claim time I'm so impressed to hdfc ergo policy... intimation claim and others benefits......

Karamvir Singh Sandhu

Health Suraksha Family Policy

I Am Very Happy With Hdfc Ergo Health Insuranace Since 5 Years

Lakampally Lava Kumar

my:health suraksha family

I will recommend HDFC ERGO who need health insurance.

Deepak Kumar

Health Suraksha Individual Policy

Best claim stteled and Best claim document applaud my best friend and my family choose hdfc ergo health policy plans thank u

Rama Devi

Health Suraksha Family Policy

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#AbTakeItEasy with HDFC ERGO Health Insurance

Awards & Recognition

Health Suraksha Top Up Health Insurance Plan

Reasons to choose Health Suraksha Top-up Insurance

What’s included?

In-Patient treatment

Pre-hospitalization

Post- hospitalisation

Day Care procedures

Organ Donor

Emergency Ambulance

What does Critical illness insurance not cover?

Understanding "Deductibles"

What is Deductible?

What is Aggregate Deductible?

How does Aggregate Deductible Work?

Other related articles

Know about the most important Critical Illnesses covered by HDFC ERGO

Burst some Critical Illness Myths

Why it is better to have a Critical Illness Plan over a cancer insurance ?

How does a Critical Illnesss Plan work?

5 Things to know before buying a Critical Illness Plan

Why buying Critical Illness Policy is Important?

Other related articles

Know about the most important Critical Illnesses covered by HDFC ERGO

Burst some Critical Illness Myths

How does a Critical Illnesss Plan work?

Why it is better to have a Critical Illness Plan over a cancer insurance ?

5 Things to know before buying a Critical Illness Plan

Why buying Critical Illness Policy is Important ?

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