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.
Hospital stays can be disheartening but we make everything easy and comfortable. Know More...
Before
Get full coverage of expenses incurred on doctor consultations, rehabilitation charges etc. till 90 days after
Get full coverage up to sum insured on medical procedures that take up less than 24 hours.
For a noble deed as organ donation, we cover the organ harvesting expenses caused to the donor.
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.
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 can be disastrous and unfortunate. However,our policy does not cover any claim that are caused due to wars.
Our policy does not cover accidents while you are participating in defense (Army/Navy/Air Force) operations.
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 is not eligible for coverage under your insurance policy.
For detailed inclusion and exclusion please refer the sales brochure/policy wordings
Deductible is a fixed amount paid out-of-pocket by an insured for the medical expenses before an insurance company pays the balance cost.
Sum total of all the claims incurred by the insured during a policy period.
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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Secured Over 1.6 Crore+ Smiles!
All the support you need-24 x 7
Transparency In Every Step!
Integrated Wellness App.
Go Paperless!
Frequently asked questions