HDFC ERGO Health Suraksha Top Up Plan

  • It supplements your existing mediclaim policy, insuring you for a larger sum insured limit at lower cost
  • A top up cover is initiated when the **deductible in this policy is exhausted
  • You can stay covered for the whole life since there is no-exit age
  • 1 Year & 2 Years policy option for Individual & Family Floater

  • In-patient Treatment - Medical expenses for room rent, boarding expenses, nursing, ICU, anesthesia, blood, oxygen, medicines, drugs and consumables, diagnostic procedures etc

  • Pre-Hospitalization - Medical expenses 60 days immediately before hospitalization

  • Post-Hospitalization - Medical expenses 90 days immediately after hospitalization

  • Day care procedures - Medical expenses for 140 day care procedures which do not require 24 hours hospitalization due to technological advancement in medical science.

  • Domiciliary Treatment - Medical expenses incurred by an Insured Person for availing medical treatment at his home which would otherwise have required hospitalisation

  • Organ Donor - Medical expenses on harvesting the organ from the donor

  • Sum Insured (Rs.) - 2.00; 3.00; 4.00; 5.00; 7.50 and 10.00 Lacs

  • Deductible (Rs.) - 1.00; 2.00; 3.00; 4.00 and 5.00 Lacs

  • Requirement - Completed proposal form

  • Family Discount - of 10% if 3 or more family members are covered on Individual Sum Insured basis under 1 Adult plan in the same policy
  • Renewal Incentives - Cumulative bonus of 5% of the Sum Insured for every claim free year accumulating up to 50%. In the event of a claim, the cumulative bonus shall be reduced by 10% at the time of renewal.

  • Age group - 5-65 years. However, there will be no cover-ceasing age. Children covered from 91 days onwards if both parents are covered under same policy.

  • Policy Period - The policy will be issued for 1 year /2 years period

  • Pre-Policy Check up - Required > 55 Yrs of age

  • Emergency Ambulance - Expenses up to Rs. 2000 per hospitalization for utilizing ambulance service for transporting insured person to hospital.
  • Deductible - No payment unless the medical expenses exceed the deductible.
  • Waiting Periods
    • 30 days Waiting Period - A waiting period of 30 days will apply to all claims
    • 2 Years specific waiting period for specified diseases & treatments
    • 4 Years Pre-existing Conditions will not be covered until 48 months of continuous coverage have elapsed, since inception

Disclaimer: Please refer policy wordings for complete details.
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