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HDFC ERGO Health Suraksha Gold Insurance Policy
Hospital expenses shouldn’t be at the cost of your happiness
Health Suraksha Gold
  • Maternity benefit & new born baby cover
  • E-opinion for critical illness
  • Convalescence benefit
  • Tax benefit u/s 80D*
  • (*Subject to the change in Tax Laws)

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  • Health Suraksha Gold

Health Suraksha Gold with Maternity Coverage

Health is the most valuable asset that every individual owns. Life is full of uncertainties and highly unpredictable, so it’s best to stay guarded with an appropriate health insurance cover. Medical treatments nowadays are very expensive and can easily drain out all the savings of a person if he is not insured. When a member of family is hospitalized, it’s a tough time for everybody and treatment expenses, only add to the misery. Thus it’s wise and logical to buy a health policy that yields you maximum benefits in crucial times.

HDFC ERGO's Health Suraksha Gold is an economical plan that provides a cover for in-patient treatment costs, pre-hospitalization and post-hospitalization expenses. Also there are no sub-limits on the hospital room rents, hospital charges, diseases and doctor fees.

Investment in health insurance is a wise and logical move. It not only secures health of the person but also allows the family to stay united in tough times without being worried about the financial expenses at all.

Key Highlights

  • Optimized health insurance plans at affordable cost
  • A network of more than 8600+ hospitals to choose from to avail cashless services
  • No limit for age at entry
  • Sum Insured Individual: 300000, 400000, 500000, 750000 & 1000000 & Family Floater:300000, 400000, 500000, 750000 & 1000000
  • Life Long renewability
  • AYUSH cover available without any sub limit
  • Option to choose from Individual or Family Floater Health Insurance plans
  • Get benefits on Income Tax under Section 80D of the Income Tax Act
  • Enjoy hassle free claim procedures with least documentation and settlement times
  • Maternity Benefit available after a waiting period of 4 Yrs along with New Born baby cover
  • Convalescence benefit provided if the period of hospitalization has exceeded 10 consecutive and continuous days
  • E- opinion provided upon diagnosis of a Critical Illness
  • No Sub-limits on any disease, room rent, hospital charges and doctor fees

Health Suraksha Gold Product Features

Product Health Suraksha Gold
Product Benefit Coverage-
(Sum Insured / Annum: Individual: 300000,400000,500000,750000 & 1000000) (Sum Insured/Annum: Family Floater: 300000,400000,500000,750000 & 1000000)
In-patient Treatment Hospitalization costs due to illness or accident are covered upto the Policy Sum Insured.We will pay for the medical expenses for Room rent, boarding expenses, Nursing, Intensive care unit, Medical Practitioner, Anaesthesia, blood, oxygen, operation theatre charges, surgical appliances, Medicines, drugs and consumables, Diagnostic procedures, Cost of prosthetic & other devices or equipments if implanted internally during a Surgical Procedure
Pre-hospitalization The Medical Expenses incurred due to an Illness in 60 days immediately before the Insured Person was hospitalized.
Post-hospitalization The Medical Expenses incurred in 90days immediately after the Insured Person was discharged post Hospitalization,
Day Care Procedures Expenses for 144 listed day care procedures that does not need 24 hours hospitalization on account of technological advancements are reimbursed
Domiciliary Treatment The Medical Expenses incurred by an Insured Person for medical treatment taken at his home which would otherwise have required Hospitalization on the advice of the attending Medical Practitioner, if the Insured Person could not be transferred to a Hospital or a Hospital bed was unavailable are reimbursed upto the policy sum insured
Organ Donor The Medical Expenses for an organ donor’s treatment in the event of organ transplantation for harvesting an organ donated are reimbursed Upto the policy Sum Insured
Emergency Ambulance (Limit per hospitalization) Upto Rs. 2,000 for SI 300000,400000,500000 & Upto Rs . 3500 for SI 750000 & 1000000 reimbursed as ambulance expense during an emergency
AYUSH Covers inpatient hospitalization expenses under Ayurvedic, Unani, Sidha & Homeopathy Upto the policy Sum Insured
New Born Baby Covers In patient medical expenses of the new born baby within 90 days after the birth.
Maternity with Waiting Period of 4 Years Expenses related to Normal Delivery Rs 15,000 & LSCS Rs 25,000/Termination Rs 15,000
(The maternity Includes Pre/Post Natal limit of upto Rs 1,500 and New Born limit of upto Rs2,000, New Born baby covered)
E Opinion for Critical Illness If an Insured Person suffers a Critical Illness during the Policy Period then We will arrange a second opinion from a Medical Practitioner selected by the Insured Person from Our panel. The second opinion will be based only on the information and documentation provided to the Medical Practitioner by or on behalf of the Insured Person, and the second opinion will be sent directly to the Insured Person by the Medical Practitioner.
Convalescence Benefit If the period of hospitalization has exceeded 10 consecutive and continuous days, then We will pay a lump-sum amount towards convalescence , Maximum 1 % of Sum Insured and upto Rs 10,000 only
Cumulative Bonus (CB) 5% of the Basic Sum Insured every claim free year subject to a maximum of 50% of the basic sum insured. CB will be reduced by 5% of the basic sum insured in case of a claim.
Health check Up We will offer health checkup only once at the end of continuous four claim free years during which You have been insured with Us. Our maximum liability will be subject to 1% of the Sum Insured for this Policy Year or the subsequent Policy Years upto a maximum of Rs 5,000. In case of a family floater, if any of the members make a claim under this policy, the health checkup benefit will not be offered to the whole family.

* 100% medical cost will be borne by HDFC ERGO in all PPC cases where the proposals have been accepted.


  • 10% discount for 2 Yr tenure of the policy
  • Family Discount of 10% if 2 or more family members are covered under Health Suraksha on Individual Sum Insured basis


  • Any treatment within first 30 days of cover except any accidental injury
  • Maternity waiting period of 4 yrs
  • Pre-existing conditions will not be covered for first 48 months
  • 24 Months waiting period for specified illnesses & treatments
  • Expenses arising from HIV or AIDS and related diseases.
  • Mental disorder or insanity, cosmetic surgery, weight control treatment
  • Abuse of intoxicant or hallucinogenic substance like drugs and alcohol
  • Hospitalization due to war / acts of war, nuclear, chemical / biological weapon & radiation of any kind
  • Pregnancy, dental and external aids and appliances unless covered under specific Plans
  • Terrorist activities, radioactivity or war
For a complete list of exclusions, kindly refer the policy wordings
"Note: The content is descriptive only. For actual coverage, kindly refer the policy document."

Health Suraksha Gold