Post-Hospitalisation - Pays for medical expenses incurred 90 days immediately

after the discharge post hospitalisation

Day care procedures - Pays for medical expenses for 141 day care procedures
which do not require 24 hours hospitalisation due to technological advancement
Domiciliary Treatment - Pays for expenses incurred for medical treatment taken at

home, on the advice of a physician

Organ Donor - Pays for medical expenses for an organ donor's treatment in the

event of organ transplantation

Emergency Ambulance - Pays for expenses for utilizing ambulance services in an

emergency
Ayush - Pays for medical expenses for in-patient treatment taken under Ayurveda,

Unani, Sidha or Homeopathy

WHAT IS NOT COVERED

Any treatment within first 30 days of cover except any accidental injury

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

2 year exclusions for specific diseases

Experimental, investigational or unproven treatment, devices and pharmacological

regimens
No Sub-limits on any disease, room rent, hospital charges and doctor fees(Except

for Ayurvedic /Homeopathic Benefit).

For a complete list of exclusions, kindly refer our policy wordings
CLAIMS PROCESS
Incase of hospitalization, intimation should be provided to the Company / TPA

immediately and not later than 7 days

In all other cases, the Company / TPA must be informed of any event or occurrence

that may give rise to a claim under this Policy at least 7 days prior to any consequent
treatment, consultation or procedure being taken and the Company / TPA should
pre-authorise such treatment, consultation or procedure
Any documentation and information requested to establish the circumstances of the

claim, its quantum or the Companys liability for the claim, should be submitted within
10 days of our request or discharge from Hospital or completion of treatment,
whichever is earlier
RENEWAL BENEFITS
Cumulative bonus of 5% for every claim-free year upto a maximum of 50%

Pays upto 1% of Sum Insured, maximum upto Rs. 5000 for a Health Checkup after 4

consecutive claim-free years

TERMS & CONDITIONS

Disclaimer: The above information is only indicative in nature. For details of the
coverage and exclusions please refer to the policy wordings.

Liability of the Company does not commence until the Company has accepted the
proposal and full premium has been paid.

The proposer has the option to choose his policy with or without coinsurance. Under
the coinsurance option, we will coinsure the risk with Apollo Munich Health
Insurance Company Limited, a registered and prominent stand-alone health
insurance company which has expertise in underwriting and selling health
insurance products. Furthermore, Apollo Munich is a joint venture between Asias
largest integrated healthcare provider, The Apollo Hospitals Group, and Germany
based Munich Res newest business segment, Munich Health.

Anti-Rebating Warning: As per Section 41 of the Insurance Act 1938, as amended,

the practice of rebating is prohibited, as follows: No person shall allow or offer to
allow, either directly or indirectly, as an inducement to any person to take out or
renew or continue an insurance policy in respect of any kind of risk relating to lives or
property in India, any rebate of the whole or part of the commission payable or any
rebate of the premium shown on the policy, nor shall any person taking out or
renewing or continuing a policy accept any rebate, except such rebate as may be
allowed in accordance with the published prospectus or tables of the insurer.
Violation of Section 41 of the Insurance Act 1938, as amended, shall be punishable
with a fine which may extend to Five Hundred (500) Rupees.
FREE LOOK
You have a period of 15 days from the date of receipt of the Policy document to review
the terms and conditions of this Policy. If You have any objections to any of the terms
and conditions, You have the option of cancelling the Policy stating the reasons for
cancellation and You will be refunded the premium paid by You after adjusting the
amounts spent on any medical check-up, stamp duty charges and proportionate risk
premium. You can cancel Your Policy only if You have not made any claims under the
Policy. All Your rights under this Policy will immediately stand extinguished on the free
look cancellation of the Policy. Free look provision is not applicable and available at the
time of renewal of the Policy.
For more details on risk factors, please read the terms & conditions
before concluding a sale. Insurance is the subject matter of solicitation.
IRDA Reg No. 125. UID NO. 704.

WHAT IS COVERED
In-patient Treatment - Covers hospitalisation expenses due to an illness or

accident. Pays for medical expenses incurred for room rent, boarding expenses,
nursing, intensive care unit, medical practitioner, medicines or drugs and other
related expenses

Pre-Hospitalisation - Pays for medical expenses incurred due to an illness 60 days

immediately before hospitalisation

HEALTH
SURAKSHA

Wellness for a happy family

No Medical Check-up upto 45 years

No Sub-limits on any disease, room rent, hospital charges and doctor fees(Except

for Ayurvedic /Homeopathic Benefit).

Cashless Treatment at Network Hospital

5% bonus on Sum Insured for every claim-free year

Covers persons upto 65 years of age

Offers one year or two year policy coverage period

Option to cover on individual sum insured basis and on family floater basis

HDFC ERGO brings to you Health Suraksha, a unique health insurance plan,
providing optimum health coverage at an affordable price. Health Suraksha covers
not only hospitalisation in the event of an accident or sickness but extends to cover pre
and post-hospitalisation expenses, day care procedures, domiciliary treatment,
organ donor expenses. Moreover, you get a renewal bonus for each claim-free year.
Get Health Suraksha today and protect your tomorrow!
PRODUCT HIGHLIGHTS
Tax Benefit under section 80D*

PREMIUM TABLE (Inclusive of Service Tax & Edu. Cess)

Sum Insured - 200,000
Age Group
2A1C
1A
2A
2384
0-17
18-35
3217
4825
6256
36-45
4037
6056
7486
11473
46-50
12904
7171
13477
51-55
7529
12047
14033
56-60
8771
15464
12308
19693
21123
61-65
17712
66-70
25506
28056
19538
34433
37015
71-75
76-80
44763
29842
47449
36108
>80
54163
56871
Sum Insured - 300,000
Age Group
2A1C
1A
2A
0-17
2712
18-35
3721
5582
7209
36-45
8345
4479
6718
8037
46-50
12859
14487
8439
13503
15130
51-55
15623
56-60
9764
17250
61-65
14102
22564
24191
66-70
19008
28339
31174
38259
41128
71-75
27237
76-80
33157
49736
52720
40120
60181
63190
>80
Sum Insured - 400,000
Age Group
2A1C
1A
2A
4357
0-17
18-35
8380
5587
10994
36-45
6233
9349
11963
20308
46-50
11058
17694
51-55
11611
18578
21192
13925
56-60
22280
24894
35337
37951
61-65
22085
35425
38968
66-70
29447
51410
40848
47824
71-75
76-80
41447
62170
65900
50151
>80
75226
78988
Sum Insured - 500,000
Age Group
2A1C
1A
2A
5306
0-17
18-35
7254
10881
14064
36-45
8137
15389
12206
23425
46-50
14641
26608
24340
27523
51-55
15212
28340
31523
56-60
17712
25341
43728
61-65
40545
42509
66-70
38281
46761
53104
71-75
57388
61692
74605
79081
76-80
49736
60181
90271
94785
>80

Avail a family discount of 10%, if 2 or more members of a family are covered under
the same policy on Individual sum insured basis

Life Long Renewability

(* Subject to the change in Tax Laws)
Children below 5 years would be covered provided both the parents are covered under
our policy.

1 Year Policy

2 Year Policy

2A2C

1A1C

1A2C

1A3C

7686
8917
14334
14908
16894
22554
30097
39253
49687
59037

4242
4899
7883
8188
9291
12298
17590
23746
30870
37353

5751
6366
9075
9361
10355
13184
19348
26120
33957
41088

7420
8035
10744
11030
12024
14853
21283
28733
37353
45197

2A2C

1A1C

1A2C

1A3C

8837
9973
16114
16758
18877
25819
33441
43615
55207
65597

4876
5482
8866
9208
10388
14075
19544
26384
34300
41504

6588
7156
10227
10549
11609
15079
21499
29024
37730
45653

8487
9055
11724
12025
13019
16273
23648
31926
41504
50219

2A2C

1A1C

1A2C

1A3C

13609
14578
22922
23807
27508
40566
41801
54518
69009
81997

7519
8036
12668
13138
15191
22128
24430
32981
42875
51879

10290
10775
14947
15389
17240
23769
26873
36279
47163
57067

13340
13825
17444
17859
19594
25714
29561
39907
51879
62773

2A2C

1A1C

1A2C

1A3C

17248
18572
29792
30707
34707
46912
50161
65423
82810
98396

9517
10224
16424
16910
19141
25625
29316
39577
51450
62254

11807
12470
18079
18537
20537
26639
32248
43535
56596
68480

16582
17245
22122
22551
24426
30147
35473
47888
62254
75328

Age Group
0-17
18-35
36-45
46-50
51-55
56-60
61-65
66-70
71-75
76-80
>80

1A
4292
5790
7267
13625
14306
17542
24616
35425
39077
53715
64994

Age Group
0-17
18-35
36-45
46-50
51-55
56-60
61-65
66-70
71-75
76-80
>80

1A
4882
6698
8062
15271
16035
19528
28205
38016
54474
59683
72217

Age Group
0-17
18-35
36-45
46-50
51-55
56-60
61-65
66-70
71-75
76-80
>80

1A
7843
10056
11219
21011
22061
27850
44171
58895
81697
74605
90271

Age Group
0-17
18-35
36-45
46-50
51-55
56-60
61-65
66-70
71-75
76-80
>80

1A
9550
13057
14647
27817
28904
35425
50681
77423
107401
89525
108326

2A

2A1C

2A2C

1A1C

1A2C

1A3C

8686
10900
21799
22889
28067
39385
45910
61979
80574
97494

11261
13475
24517
25607
30928
42246
50501
66627
85407
102368

13836
16050
27235
28325
33789
45108
54174
70655
89436
106267

7636
8818
14978
15557
18582
24595
31662
42743
55566
67235

10351
11458
17242
17787
20709
26369
34827
47017
61123
73958

13355
14463
20413
20958
24047
29707
38310
51719
67235
81354

2A

2A1C

2A2C

1A1C

1A2C

1A3C

10048
12092
24433
25656
31245
45127
51011
68865
89525
108326

12977
15022
27525
28748
34500
48382
56114
74031
94897
113742

15906
17951
30617
31840
37755
51637
60193
78507
99373
118074

8776
9867
16845
17495
20776
28151
35179
47492
61740
74706

11859
12881
19431
20043
23217
30158
38698
52243
67915
82175

15277
16299
22275
22848
26038
32545
42567
57467
74706
90395

2A

2A1C

2A2C

1A1C

1A2C

1A3C

15084
16828
33618
35298
44559
70674
63765
86083
111906
135407

19790
21534
38585
40266
49788
75902
70142
92539
118620
142178

24495
26240
43552
45233
55017
81131
75242
98133
124217
147595

13535
14465
24069
24961
30382
44256
43975
59366
77176
93382

18522
19394
28399
29240
34480
47537
48372
65302
84894
102720

24013
24885
33144
33932
39188
51429
53209
71832
93382
112992

2A

2A1C

2A2C

1A1C

1A2C

1A3C

19586
21970
44507
46246
56680
81090
76516
103298
134289
162488

25316
27700
50556
52294
63047
87457
84170
111046
142346
170612

31046
33430
56604
58343
69413
93823
90290
117761
149059
177113

17131
18403
31205
32129
38282
51250
52769
71238
92609
112058

21253
22445
34350
35220
41073
53278
58047
78363
101872
123264

29848
31040
42032
42847
48852
60295
63852
86198
112058
135591

1 Year Policy

2 Year Policy

1 Year Policy

2 Year Policy

1 Year Policy

2 Year Policy