HDFC ERGO Health Suraksha Top-Up Plus Health Insurance

Health Suraksha Top-Up Plus Policy is an affordable medical insurance policy that increases your insurance coverage over and above the existing base policy. In other words, the plan comes to your rescue if your health insurance claim exceeds the threshold limit, known as deductible. You can purchase the policy on a sum insured options ranging between Rs. 3 Lakh and Rs. 10 Lakh and deductible options between Rs. 2 Lakh and Rs. 4 Lakh. You can avail the policy benefits if you are aged between 5 years and 65 years. You can also include children aged at least 91 days, if both the parents are covered under the same policy. Apart from self, you can include legally wedded spouse, dependent children, and dependent parents under Health Suraksha Top-Up Plus Policy. Note that you can cover dependent parents under a separate family floater policy.

Health Suraksha Top-Up Policy covers you for several healthcare expenses, some of which include in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, daycare expenses, organ donor expenses, domiciliary hospitalisation expenses, etc. Other benefits that the policy offers you include tax benefits on the premium paid, under Section 80D of the Income Tax Act, 1961, no sub-limits on room rent, hospital expenses, etc., no medical check-up until the age of 55 years, no-claim bonus for every claim-free year, etc. You can purchase this policy for 1 year and keep renewing it thereafter for lifetime, without any lapse.