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Health Suraksha Individual Old
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Health Suraksha is a basic health insurance policy which pays for medical expenses incurred by any member insured under the scheme. It covers any condition, injury or ailments diagnosed


  • 130 Day care treatments are covered
  • 25% enhancement on sum assured in case of hospitalization due to accident
  • 5% discount on renewal
  • Free medical check-up for 2 insured members, after 4 continuous renewal years
  • No Medical Tests up to the age of 45 Years
  • Life long policy renewal is available
  • No loading on renewal premiums if a claim is made
  • Non-allopathic treatment is also covered
  • Tax rebate available as per provision of Income Tax Rules under section 80-D
Title Description
Room Rent Limit No Limit
ICU Daily Rent Limit No Limit
Pre-Hospitalization Expenses 60 days
Post Hospitalization Expenses 90 days
Day Care Procedure Coverage 130 procedure covered
Pre-Existing Disease / Illness coverage After 48 months
Waiting Period for New Policy 30 days
Co-Payment Covered
Medical Screening Above age 46 years
Free Health Checkup After Every 4 claim free years
Ambulance Expenses Up to 1500 per hospitalization
Non-Allopathic Treatments Covered
Daily Hospitalization Allowance Up to 350 per day for persons above 60 yrs
No Claim Bonus Bonus of 10% on basic sum insured ,Max 50% on basic sum insured