HDFC ERGO Health Super Top-up Suraksha Plan

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      HDFC ERGO Health Super Top-up Suraksha Plan

      HDFC Ergo Health Suraksha Top-up Plus Health Insurance Plan helps policyholders enhance their insurance coverage in case their existing health insurance policy falls short of funds. This plan will provide an additional sum insured to cope with prolonged illness or unforeseen medical emergencies when the current health insurance policy may not suffice. It can be purchased without having a primary health plan. However, buying a health insurance plan with a sum insured equivalent to the amount of deductibles is recommended.

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      HDFC ERGO Health Super Top-up Suraksha Plan: Key Highlights

      Categories Specifications
      Sum Insured Rs 2 lakh to Rs 10 lakh
      Policy Tenure 1 year, 2 years
      Network Hospitals 12000+
      Incurred Claim Ratio (2021-22) 97.47%
      Plan Type Health Suraksha Top-up Pro
      Health Suraksha Top-up Plus
      Pre-Policy Medical Check-ups after 55 years
      Pre-existing Disease Waiting Period 4 years
      Specific Disease Waiting Period 2 years
      Initial Waiting Period 30 days

      Benefits of HDFC ERGO Health Super Top-up Suraksha Plan

      The benefits of buying an HDFC ERGO Health Super Top-up Suraksha plan are listed as under:

      • Earn cumulative bonus- For every claim-free year during policy renewal. Once the claim is filed, the deductible shall be reduced by 5%.
      • Pre-medical check-ups- It is not required for applicants under 55 years of age group.
      • Lifelong renewability- The policy offers lifelong renewability and the premium remains constant post 61 years of age
      • Tax Benefits- The premium paid for HDFC ERGO Health Super Top-up Suraksha plan is eligible for TDS under section 80D.

      HDFC ERGO Health Super Top-up Suraksha Plan Eligibility Criteria

      Given below are the eligibility criteria for buying an HDFC ERGO Health Super Top-up Suraksha plan:

      Parameters Eligibility Criteria
      Minimum Entry Age Adult – 18 years
      Child – 91 days
      Maximum Entry Age Adult – 65 years
      Child – 5years
      Coverage Type Individual/ Family floater
      Renewability Lifelong

      Inclusions of HDFC ERGO Health Super Top up Suraksha Plan

      The HDFC ERGO Health Super Top up Suraksha plan covers the following medical expenses:

      • In-patient hospitalization- It covers expenses including boarding and nursing expenses, room rent charges, fees charged by the doctors, operation theatre charges, prosthetic devices or implantation of any other equipment during surgery, cost of oxygen, blood, diagnostic procedures and so on
      • Pre and post hospitalization cover - Pre-hospitalization expenses 60 days prior to hospitalization and 90 days of post-hospitalization expenses are covered
      • Day care procedures- 140 day care procedures to be covered, which can be treated without hospitalization for more than a day, due to technological advancement in medical science.
      • Domiciliary treatment- It covers expenses for treatment availed at home, as suggested by the doctor. Only applicable to cases where hospitalization is required but cannot be availed due to health condition of the patient, unavailability of beds in the hospital etc.
      • Organ donor expenses cover- The expenses incurred on organ donor for transplantation are also recompensed
      • Emergency ambulance cover- Ambulance expenses to be covered up to a limit of Rs. 2000 per hospitalization

      Exclusions of HDFC ERGO Health Super Top up Suraksha Plan

      The following medical expenses are not covered under the HDFC ERGO Health Super Top up Suraksha plan:

      • Any claim made in the initial 30 days of policy purchase shall not be entertained unless it is an accidental injury
      • Waiting period of 2 years for certain specific diseases Waiting Periods
      • Pre-existing diseases can be claimed after4 years of continuous cover
      • Expenses incurred on any treatment other than allopathy
      • Medical treatment required for AIDS, HIV and other related diseases
      • Treatment for stress related disorders, anxiety and physiological disorders
      • Cosmetic and plastic surgeries unless it is a part of the treatment
      • Health ailments resulting from consumption of alcohol and drugs
      • Pregnancy related complications and treatment
      • Dental procedures
      • Experimental treatments
      • Expenses incurred on treatment taken for health ailments resulting due to war like conditions, rebellion, radiations etc.


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