HDFC ERGO- Health Suraksha

Purchase mode: Online

Options available: Individual and Family Floater

Recommendation about Mediclaim: Yes

Premium: Premium charge is high for Individual level and average in case of family floater

Product Features:



Entry age

3 Month to 65 Years


75 Year

Policy tenure

1 and 2 years

Pre existing illness cover

Pre-existing Diseases will be covered after a waiting period of 48 months

Cashless Facility

To Network Hospitals

Sum Insured

Rs. 200000 - Rs. 500000

Family Combination

Maximum 2 Adults and 2 Children

Hospitalization cover


Pre & post hospitalization medical expenses

Pays for medical expenses incurred 60 days immediately before hospitalization

Pays for medical expenses incurred 90 days immediately after the discharge post hospitalisation

Domiciliary treatment

Pays for expenses incurred for medical treatment taken at home, on the advice of a physician

Sub limits

No Sub Limit


What does this policy cover:

  1. Ayurvedic / Homeopathic: Pays for medical expenses for inpatient treatment under Ayurveda, Unani, Siddha or Homeopathy. Pays upto 20% of Sum Insured; Maximum Rs. 20,000 (for Policy Sum Insured 2L & 3L) and Rs. 25,000 (for policy Sum Insured Rs. 4L)
  2. Cumulative Bonus: 5% increase in Sum Insured for every claim free year; upto Maximum 50%
  3. Health checkup: Pays Upto 1% of Sum Insured; Max Rs. 5000
  4. Organ Donor: Pays for medical expenses for harvesting an organ donated
  5. Day Care Procedures: Pays for 141 listed day care procedures which do not require 24 hours hospitalisation due to technological advancement


  • 30 days Waiting Period
  • 2 year Waiting Period for Specific Illnesses and Treatments like internal tumors, cysts, surgery on tonsils and sinuses etc.
  • War or any act of war
  • Any breach of any law with criminal intent
  • Self-destruction or self inflicted injury, attempted suicide or suicide
  • Terrorism, war or radioactivity
  • Any claim arising out of the use of Intoxicating Drugs and Alcohol
  • Plastic surgery or cosmetic surgery unless necessary as a part of medically necessary treatment
  • All preventive care, vaccination including inoculation and immunisations
  • For a complete list, kindly refer the Policy Wordings

 Other features of the policy

  • Optimum health insurance coverage at an affordable price
  • Option to cover on Individual or Family Floater Basis
  • Option to choose health insurance plans from an annual or two year policy
  • Cumulative Bonus for each claim free year
  • Provides Cost of Health Check up after 4 claim free years
  • Cashless Claims Service across India at 4000+ network hospital
  • No medical check-up upto 45 years of age
  • Income Tax Benefit Under Section 80D of the Income Tax Act
  • Hassle free Claims Process with minimum documentation and turnaround times
  • No Sub-limits on any disease, room rent, hospital charges and doctor fees.

Suggestion and Better alternatives of mediclaim:

Health Suraksha Silver is a complete comprehensive health plan for family. It provides cover for homeopathy and similar treatments unlike many other health plans. What makes it a clincher is the modest premium.

Fintotal Product Analysis is the ideal place to seek unbaised and neutral view on all financial products.

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