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.

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.

FAQs

Q1. What is the sum insured limited under the HDFC Health Suraksha Top-up plan?

Ans: The sum insured limit is Rs 3 lakh to Rs 10 lakh (over and above the deductibles).
Q2. What are the types of HDFC Health Suraksha Top-up plan?
Ans: There are two options under the Health Suraksha Top-up plan:
- Health Suraksha Top-up Pro
- Health Suraksha Top-up Plus
Q3. What are the deductibles limit under the HDFC Ergo Health Suraksha Top-up plan?

Ans: The deductibles limit under the HDFC Ergo Health Suraksha Top-up plan are Rs 1 lakh to Rs 5 lakh as per the plan chosen.
Q4. What is the waiting period for HDFC Ergo Health Suraksha Top-up plan?

Ans: The waiting period for the HDFC Ergo Health Suraksha Top-up plan is 24 months for specific diseases and 48 months for pre-existing diseases.

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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