HDFC ERGO General Health Suraksha Top Up Plan

What is the Plan all About?

Health Suraksha Top Up Plus from HDFC ERGO General provides an additional cover and supplements your primary health cover at a low cost. This top-up health policy also comes with numerous additional benefits. This top Up policy also has the option to convert into Health Suraksha policy at any time.

Key Features

Comprehensive health plan with no sub-limits
No pre-policy medical check-up up to 45 years
Enhanced Cumulative Bonus @ 10% per claim free year up to 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
Avail cashless services across 6000 plus network hospitals
Lifelong renewability
Enjoy tax benefits

Policy Benefits

In-patient hospitalization expenses are covered as mentioned in the Policy.
Pre hospitalization expenses are covered up to a maximum of 60 days before you are hospitalized and Post hospitalization expenses are covered up to a maximum of 90 days after you are discharged.
140 day care procedures which need the insured to be hospitalized for less than 24 hours are covered.
Domiciliary treatment expenses are covered under this plan.
Organ donor expenses incurred towards harvesting the organ are covered.

Value Added Benefits

Sum Insured Enhancement at the time of policy renewal.
Get Cumulative Bonus by 5% of the sum insured for each claim free policy year, up to a maximum of 50% of the base sum insured, applicable for all three plan options.
Ambulance Charges are covered under this plan.
No requirement of pre-policy medical check-up up to 55 years of age.
Avail tax benefits u/s 80D as per IT Act, 1961 for premium paid for this plan.

Sub Limits

No sub-limit on the room rent is applicable under this plan.
Ambulance charges are payable up to Rs 2000 per hospitalization.

Waiting Period Clause

Initial Waiting Period: A waiting period of 30 days from the inception date for all hospitalization claims except in case of accidents.
Specific Waiting Period: 24 months Waiting Period will be applicable for specific illnesses.
Pre existing Disease Waiting Period: Any pre-existing ailment/injury that was diagnosed /acquired within 48 months from the issuance of the first policy.

Who can Buy the Plan?

Factor	Minimum	Maximum
Age (as on last birthday)	No Limit On Entry Age	65 Years
Deductible	1 Lac	3 Lacs
Sum Assured	2 Lacs	5 Lacs
Cover Type	Individual/Family Floater	-
Policy Tenure	1 Year	2 Years
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	Nil	-