HDFC Ergo Insurance Plans

HDFC ERGO Health Suraksha Platinum Smart Insurance

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Coverage type
Coverage amount
Date of birth
  OR age    years
* Get insurance updates

Eligibility of Health Suraksha Platinum Smart

  • Any age entry option with lifetime renewal
  • Exclusive covers like Air ambulance cover, Recovery benefit, Infertility cover
  • Wellness features like Fitness discount@ renewal, Health incentives for maintenance of health
  • Flexi benefits like choosing room rent capping, co pay in order to avail discounts on premium
  • Various discount options to like family discount, long term policy discount, loyalty discount
  • Long term policy options up to 3 years with attractive premium rate

HDFC ERGO Health Insurance Review

HDFC ERGO Health Insurance
HDFC ERGO Health Insurance sum insured
3 lacs − 75 lacs options available
Incurred Claims Ratio *
62.00%
HDFC ERGO Insurance tenure options
2 years
Claims Settlement Ratio **
85.97%
List of network hospitals
10,000+ hospitals
Number of policies issued *
1,066,395
Maximum family floater coverage
Self, Spouse + dependent (children (upto 25 yrs) + parents)
Number of lives covered *
96,05,000
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website

HDFC ERGO Health Suraksha Platinum Smart benefits

Sr.No Covers Platinum Smart
Basic Sum Insured in Rs. 20 Lacs/25 Lacs/50 Lacs/75 Lacs
Hospitalisation Cover
1 Medical expenses Covered
1 Room rent At Actuals
1 ICU At Actuals
1 B Mental HealthCare Covered
2 Home HealthCare Covered
3 Domicilliary Hospitalisation Covered
4 Pre - Hospitalisation Cover 60 days
5 Post - Hospitalisation Cover 180 days
6 Day Care Procedures Covered
7 Road Ambulance Sum Insured 20 L to 50 L - 3,500
Above 50 L - 15,000
8 Oragan Donor Expenses Covered
9 Alternative Treatments Covered
10 Air Ambulance Cover Upto 5 lakhs
11 Recovery Benefit Rs. 25,000
12 Sum Insured Rebound Covered
Renewal Benefits
1 Cumulative Bonus 25% at each claim free year, max 200%
2 Preventive Health Check Up Booster Bonus Covered
3 my : Health Active Covered

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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025