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HDFC ERGO Health Suraksha Silver Plan

Health Suraksha health insurance offered by HDFC ERGO has been designed keeping the soaring medical costs in mind. The sum insured options offered under the plan suit the needs of people from every walk of life. Some of the key features that make the policy a 360-degree insurance plan are- no sub-limits, no cap on room rent. Let’s take a detailed look at the policy:

What Makes HDFC ERGO Health Suraksha Silver Plan Unique

The plan comes with certain benefits that make the policy unique. The reason for you to consider this policy are:

  • Say yes to a swanky hospital room with no cap on room rent
  • The plan comes with AYUSH benefit
  • You are covered for 144 day-care treatment
  • You can avail long term discount if more than two members are covered
  • The policy offers a wide range of sum insured options ranging from Rs. 3 lakh to 10 lakh
  • There is no entry age restriction to avail this plan
  • No sub-limits on diseases
  • Integrated wellness services to promote a healthy lifestyle

HDFC ERGO Health Suraksha Silver Plan Features

The salient features of HDFC ERGO Health Suraksha Silver Plan include:

  • Tax Benefit under section 80D
  • No Medical Check-up up to the age 45 years
  • Cumulative bonus of 5% for every claim-free year up to a maximum of 50%
  • Pays up to 1% of Sum Insured, maximum up to Rs. 5000 for a Health Check-up after 4 consecutive claim-free years
  • Free-look period of 15 days to return the policy
  • No Sub-limit applicable to any illness, room rent, hospital charges and doctor fees
  • Cashless treatment at Network Hospitals across the country
  • No limit for age at entry
  • Offers one year or two years policy coverage period
  • The policy can be availed both as individual and floater sum insured basis
  • Avail a family discount of 10%, if 2 or more members of a family are covered under
  • It offers lifelong renewability
  • Children below 5 years can be added as well

HDFC ERGO Health Suraksha Silver Plan Coverage

 The coverage under HDFC ERGO Health Suraksha Silver plan includes:


Nature of Coverage

In-patient Treatment

Hospitalisation expenses including boarding, nursing expenses, room rent, medicine and drugs costs, OT charges, ICU rent, doctor’s fee, surgeon’s fee etc.


The policy pays for the medical expenses for availing treatment for 60 days prior to the hospitalisation


The policy pays for the medical expenses for availing treatment for 90 days prior to the hospitalisation

Day care Procedures

It pays for medical expenses for 144-day care procedures

Domiciliary Treatment

Covers you for the incurred expenses on treatment availing at home, which would have required hospitalisation

Organ Donor Cover

Expenses are covered for an organ donor's treatment in the

event of organ transplantation


Emergency Ambulance Cover

The transportation cost of an ambulance is covered in case of emergency

AYUSH Treatment Cover

It also pays or the expenses incurred in availing treatment under Ayurveda, Unani, Siddha or Homeopathy


HDFC ERGO Health Suraksha Silver Plan Exclusions

When the insurer tries or covers you for almost every possible way, certain things are just not feasible. The policy becomes null and void under the below conditions:

  • Any claim arising during the first 30 days of the policy
  • Claim arising out of a pre-existing medical condition up to 48 months
  • Expenses incurred for treating HIV/AIDS or related diseases
  • Mental disorder, self-inflicted injuries etc. are excluded
  • Abuse of drugs, alcohol or intoxicated substances
  • Injury or illness due to war, war-like situation, nuclear weapon, foreign invasion etc. are not covered
  • Maternity, childbirth-related expenses are excluded
  • Dental treatment, external hearing aids, unless covered under a specific sum insured2-year exclusions for specific diseases
  • Expenses incurred towards cosmetic surgery. Experimental, investigational or unproven treatment

*For the complete list of exclusions, consider the policy document

Waiting Period Clause

  • Initial Waiting Period: No claims will be entertained during the first 30 days of the policy period, except accidental claims.
  • 24 Months Waiting Period: Some specific illnesses will be covered after a waiting period of 2 years from the policy inception day
  • 48 Months Waiting Period: This waiting period is applied in case of pre-existing illnesses, except accidental claims.

HDFC ERGO Health Suraksha Plan Claim Process

In order to claim your health insurance in case of an emergency:

  • Immediately inform the insurer. You should register your claim within a 7 days window.
  • In case of a cashless claim, you’ll require to submit a cashless claim request to the Insurer. The designated TPA in the hospital will help you with the process
  • The documents supporting your claim have to be submitted as well. Upon receiving the application and documents, the insurance provider will convey its decision to the TPA or hospital authority
  • If your request gets approved, you can get the cashless treatment there. If not pay the bills initially at the time of discharge and register a reimbursement claim with the insurer.

HDFC ERGO Health Suraksha Renewal Process

 Policy renewal is essential. You can’t remain covered without renewing the policy. Hence, you can renew HDFC ERGO Health Suraksha Silver plan online or offline. When you renew it online, you can pay the premiums online by using debit/credit cards or net banking. You can also download the renewed policy online.

When you do it offline, you need the visit the branch office of the insurer, or you may approach an agent to do the formalities for you. You can pay the premiums through cheque and get the policy renewed.

Written By: PolicyBazaar - Updated: 09 January 2020
Average Rating
(Based on 37 Reviews)
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HDFC ERGO Health Suraksha Silver Plan Reviews & Ratings
4 / 5 (Based on 37 Reviews)
(Showing Newest 15 reviews)
Bangalore, April 13, 2017
Long term HDFC health insurance plan
I recently bought a family floater plan which covers me and my wife for a period of 2 years . HDFC ERGO health insurance offers 10% discounts on a 2 year plan which I think I haven't seen with other companies.
Chandigarh, April 12, 2017
HDFC health insurance plan is versatile
HDFC ERGO health insurance plan seems quite versatile. I am usually a fit person and due to which I could increase my sum assured this year due to no claims last year without paying a single extra penny on previous premium.
Noida, April 12, 2017
Affordable premium with HDFC Ergo Insurance
The best thing about HDFC health insurance policy is nominal premium and tax benefits as well. I hope, though ,I never have to file a claim... this health insurance plan gives me a sense of security
Allahabad, April 11, 2017
HDFC health insurance plan is good for pregnant women
I was looking for a pregnancy insurance plan after pregnant. I must say that HDFC Health Suraksha Gold Plan was the answer to my in securities regarding the expenses during the regular check ups and medicinal requirements. The response is too good.
Villupuram, April 11, 2017
Good to go with HDFC Ergo health insurance
I find it a good plan. Everything is manageable from the premium to renewal service. I got instant answers to my questions from customer care. Thanks and Keep it up!!
Mumbai, March 25, 2017
i asked many people about this policy they said premium is high it doesn't matterwhat is ehr premium see what benefit giving the company hdfc not putting any limit on hospitalisation expenses. so it's osssssssssssssssssam
Guna, October 21, 2016
Trustable Insurers
When i listen about the hdfc ergo general insurance company ltd. I took the health insurance plan at very less amount. Service is fast and the executives assist 24X7. Policy coverage is high and claims are easy to get. Ambulance free service for policy holder.
Haridwar, October 17, 2016
Low premium,high returns
My colleague introduce a health insurance plan to me, which is good and in budget. The premium of the policy less and the coverage is high. Claiming process of the plan is easy because the service given by the executives and staff members of the company is fast and on time.
Mahabub_nagar, October 17, 2016
Ergo general insurance policy
After a long time i got health insurance policy for my whole family through hdfc ergo general insurance. Service is fantastic and so quick. Investment is less in this policy but the return after policy get matured is really very high. Updates are mailed to me time to time.
Gurgaon, October 05, 2016
Best Health Insurance
The hdfc ergo general insurance company provides me health insurance plan at very low premiums. Coverage of the insurance plan is high and claims are even better. Service provided by the executives is fast and on time.
Rourkela, September 29, 2016
HDFC Insurance
Policy I have is hdfc ergo health insurance plan which is very low at price and the claims are easy to sanctioned. Service provided by the executives is really very good with ambulance free service. Policy coverage is high ~90%.
Raj_nagar, August 23, 2016
HDFC general insurance company is one of the best insurers, i bought a health plan in very low premium. Service is fantastic and online renewal is very easy to make through online portal. The ambulance is facilitate for free and accidental death benefit is inbuilt in it.
Hamirpur, July 22, 2016
Health Care
My brother advice me to buy a health insurance policy. After long searching i got one which has low premiums and high payback returns. Thanks hdfc ergo insurance for this great insurance policy. Service is fabulous which you provided.
Ambikapur, July 07, 2016
Health Plan
Health insurance is must in this risky times. The policy i have is great and it has maximum benefits. Premium is less and returns are high. Policy coverage is good and claiming is easy due to quick service provided by the staff members by the company. Online portal service is also nice an easy to access.
Coonoor, June 24, 2016
Good Plan
The health insurance plan I have is good and the premium of that is low. Policy coverage is high and claims are easily sanctioned due to fast service facilitate by the executives and the staff members. The ambulance is for free service at any location. Good insurance, good job.
Bengaluru, March 09, 2016
"Not That Good"
I have hdfc ergo general insurance health policy plan. The policy coverage is 60% and claims are 3lakhs. Claiming process is bit lengthy because of your executives and staff members. Policy is okay but improve your services for better outputs.
Kanpur, March 09, 2016
"Service is good"
My friend suggested me a very fine health policy plan which i bought from hdfc ergo general insurance. Policy coverage and claims are high but premiums are low. The hospital provide the ambulance from the door steps to hospital and then drop return to home after discharge. Nice policy plan, i like it.
Jaipur, March 09, 2016
Good Insurance Policy.
Policy coverage is good and premiums are low ~rs.2999 per month. Claims are high around rs.1.9 L. Ambulance is facilitate for free and the service is fast and with full take care of patient. Nice job HDFC ERGO general insurance for such a nice health insurance policy plan.
Bhiwani, March 09, 2016
Service is not fast.
I finally found the health insurance policy plan of my choice. It has low premium rates with high recovery payback amount. The coverage is 80% and the claims are clear easily because no paper work is there. Service is slow that's the only thing. Please improve it.
Siliguri, March 09, 2016
I had hdfc ergo health insurance policy plan which gave several benefits like ambulance and large number of hospitals for patient convenience. Even policy covers whole billing and the claims are easily sanctioned because of quick services.
Ahmednagar, March 09, 2016
My health insurance policy plan is with hdfc ergo general insurance. The policy is good and investment is medium but the returns are high as respect to premiums. Policy coverage and claims are also good. Just the services is bit slow, please improve it.
Pune, March 09, 2016
Bad Policy.
Bad Bad Bad...Slow service and waiting is must for months. Policy coverage, claims are low and the premiums are high as compared to other things. Really had bad experience. Improve your services and behaviour with customers.
Mumbai, March 09, 2016
superb plan.
I have health insurance policy plan like every one else but my policy is far far better then others because i have hdfc ergo general insurance which provide great benefits in low investments like ambulance is facilitate for free, Claims are high and the policy coverage is around 90%. Great work guys.
Rohtak, March 09, 2016
slow service issue.
Got health insurance policy plan in very low premiums by hdfc ergo general insurance. Policy provide whole coverage for health problems and whole bill payments are payed by the company. Claims are high and premiums are low. Good policy.
Kanpur, March 09, 2016
Good Policy Coverage
My father buy health insurance policy for me from hdfc ergo general insurance. The policy plan is great, it has low investment and returns are high. Policy coverage is 90% and the claims are Rs.3.2 L. Hospitals provide ambulance for free. Good beheaviour by executives and staff members.

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