Download HDFC ERGO App on

Health Suraksha with Regain and ECB
Regain your wellness and happiness
Health Suraksha with Regain and ECB
  • Restoration of sum insured
  • 10% increase in coverage every claim free year
  • No capping on Ayurvedic, Unani, Sidha and Homeopathy treatment
  • Tax benefit u/s 80D*
  • (*Subject to the change in Tax Laws)

Buy Now


Instant Renewal

Enter HDFC ERGO/HDFCGI Policy Number for Renewal

Extend Travel Dates

Modify Travel Dates

Call Me

  • Home
  • Health Suraksha with Regain and ECB

Health Suraksha with Regain and ECB

Uncertainties and unfortunate events can catch you off guard and unprepared in form of illness and injuries. The escalating medical treatment and recuperating costs add more pain to injury by draining your savings. Now be prepared with for those ill-fated times with an extensive medical coverage that lets you focus on the health recovery of you and your loved ones without making you torment about the finances.

Get a comprehensive health insurance plan with a diversified portfolio of services from the best health insurance policy online with HDFC ERGO’s Health Suraksha with Regain and ECB.


HDFC ERGO comprehends your needs of a secure and healthy future that guarantees coverage in case of medical exigencies while befitting your budget well. Health Suraksha with Regain and ECB Plan acts as your companion in emergencies and provides a comprehensive medical insurance plan that offers coverage for in-patient treatment costs, pre-hospitalization and post-hospitalization expenses, and such other major expenses.

With Health Suraksha with Regain and ECB insurance plan, you can avail the additional benefits of automatic availability of sum insured upon its exhaustion. Our seamless services offer you financial security with no sub-limits on the hospital room rents, hospital charges, diseases and doctor fees.

Get instant quotes online on your desired health insurance policy and buy the right Health Suraksha with Regain and ECB Plan for you and your family, on just a click. (* Subject to the change in Tax Laws)

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 300000, 400000, 500000, 750000 & 1000000
  • AYUSH cover available without any sub limit
  • Enhanced Cumulative Bonus @ 10% per claim free year upto 100% of Sum insured
  • Option to choose from Individual or Family Floater Health Insurance plans
  • REGAIN benefit – Automatic availability of Sum Insured upon its exhaustion
  • Get benefits on Income Tax under Section 80D of the Income Tax Act
  • Enjoy hassle free claim procedures with least documentation and settlement times
  • No Sub-limits on any disease, room rent, hospital charges and doctor fees

Schedule of Benefits - Individual & Family Floater

Schedule of Benefits - Individual & Family Floater
Basic Sum Insured per Policy Year Rs. 300000, Rs. 400000, Rs. 500000, Rs. 750000 & Rs. 1000000
In-patient Treatment Hospitalization costs due to illness or accident are covered upto the Policy Sum Insured
Pre-hospitalization Medical costs incurred during 60 days prior to hospitalization are reimbursed
Post-hospitalization Medical costs incurred during 90 day period following discharge post hospitalization are reimbursed
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
Organ Donor Medical costs for harvesting an organ donated are reimbursed
Emergency Ambulance (Limit per hospitalization) Upto Rs. 2,000 for SI 300000, 400000 & 500000 AND Rs 3,500 for SI 750000 & 1000000 reimbursed as ambulance expense during an emergency
AYUSH Benefit Inpatient treatment medical expenses under Homeopathy, Siddha, Ayurveda or Unani are reimbursed upto Sum Insured
Health Check Up Pays upto 1% of Sum Insured, maximum upto Rs. 5000 for a Health Checkup after 4 consecutive claim-free years
Regain Benefits provides for an automatic availability of basic sum insured upon its exhaustion (inclusive of any cumulative bonus ) during the policy year
Enhanced Cumulative Bonus The basic sum insured of your policy cover will increase by 10% for every claim free year up to 100% of basic sum insured and will decrease by 10% in case of a claim

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

Regain Benifits

Regain benefit provides for an automatic availability of basic sum insured upon its exhaustion (inclusive of any cumulative bonus) during the health insurance policy year

  • Basic sum insured will be re-instated only once in health insurance policy year
  • If the Regain SI is not utilized in a policy year, it shall not be carried forward to any subsequent insurance policy year.
  • Regain benefit cannot be withdrawn at subsequent renewals
  • Regain SI can be used for only future claims and not against any claim for an illness/disease (including its complications) for which a claim has been paid in the current policy year


  • 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
  • 2 years waiting period for Particular Diseases and Treatment such as surgery on tonsils and sinuses, cysts, internal tumor etc.
  • Pre-existing conditions will not be covered for first 48 months
  • 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
  • Hospitalisation 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."