*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
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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.
|Sum Insured||Rs 2 lakh to Rs 10 lakh|
|Policy Tenure||1 year, 2 years|
|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|
The benefits of buying an HDFC ERGO Health Super Top-up Suraksha plan are listed as under:
Given below are the eligibility criteria for buying an HDFC ERGO Health Super Top-up Suraksha plan:
|Minimum Entry Age||Adult – 18 years
Child – 91 days
|Maximum Entry Age||Adult – 65 years
Child – 5years
|Coverage Type||Individual/ Family floater|
The HDFC ERGO Health Super Top up Suraksha plan covers the following medical expenses:
The following medical expenses are not covered under the HDFC ERGO Health Super Top up Suraksha plan:
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