Robinhood Insurance Broker Private Limited


Product Overview

Hdfc Ergo Health Suraksha Gold Plan is an inpatient hospitalization policy, admission as an inpatient for a minimum period of 24hrs is required, except for day care treatments.

Unique Features of HDFC ERGO Health Suraksha Gold Plan

  • Regain benefits up to Sum Insured (Optional by paying extra premium)
  • Pre-hospitalisation-60 days/Post-hospitalisation-90 days
  • Out Patients benefits (Optional by paying extra premium)
  • Ayurveda, Unani, Sidha and Homeopathy treatment are Covered
  • Maternity Benefit Covered
  • No Claim bonus 10% up to maximum 100%(Optional by paying extra premium)

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Critical features of HDFC ERGO Health Suraksha Gold Plan

  • Room rent:
    Limits imposed towards room and ICU rent expenses
    No Sub limits on room rent and ICU
  • Co-Pay:
    Specific % of admissible claim amount to be borne by Insured
  1. 10% discount on base premium if the Insured opts for 10% Co-pay option
  2. 25% discount on base premium if the Insured opts for 20% Co-pay option
  • No Claim Bonus:
    Health Insurance policies may offer Cumulative Bonus wherein for every claim free year, the Sum Insured is increased by a certain percentage at the time of renewal
  1. 5 % of Basic Sum Insured per year upto a maximum of 50% for each unclaimed year in case opted for .(5 % will be reduced on claim)
  2. This plan has an options to increase the cumulative bonus to 10% up to maximum 100%(By paying extra premium)
  • Pre-Existing Diseases:
    Means any condition, ailment or injury or related condition(s) for which you had signs or symptoms, and / or were diagnosed, and / or received medical advice/ treatment, within 48 months prior to the first policy issued by the insurer
  1. This plans has a waiting period of 4 years is case of pre-existing diseases
  2. Maternity has waiting period of 4 years

Eligibility Criteria

  • Minimum Age of Entry:- 91 days
  • Maximum age of Entry:- No Limit
  • Renewal Age:- Life Long Renewal
  • Sum Insured:- 2 lakhs to 50 lakhs
  • Policy Tenure:- 1 & 2 years
  • Family Definition:-
    Individual Plan - spouse, dependent children, dependent parents.
    Family Floater - Self, Spouse,dependent children,Father, Mother
  • Premium Calculated on Basis of:- Age, (i.e. Location & sum Insured Chosen)


Add-On Description
Dental & Spectacles/Contact Lenses and/or Hearing Aid((Optional cover in by paying extra premium) Expenses incurred for Dental/ Spectacles/ Contact lens are covered under OPD treatment.
Critical Illness Lumpsum(Optional cover by paying extra premium) A lumpsum amount for the identified 11 critical illness subject to same have been diagnosed during the Policy Period and the Insured survives 30 days after the diagnosis. This benefit can be opted on payment of additional premium.
Critical Illness covered are Cancer of specified severity, Coronary Artery (Bypass) Surgery, First Heart Attack (Myocardial  Infarction), Kidney Failure requiring regular dialysis, Major Organ/Bone Marrow Transplant, Multiple Sclerosis with Persisting Symptoms, Permanent Paralysis of Limbs, Stroke resulting in Permanent Symptoms, Aorta Graft Surgery, Primary Pulmonary
Arterial Hypertension and Heart Valve Replacement.
Hospital daily cash(Optional cover by paying extra premium) Daily allowance for the each and every continuous and consecutive 24 hours as an inpatient hospitalisation. Maximum upto 30/60
Regain Benefit(Optional cover by paying extra premium) Automatic availability of the basic sum insured, if the basic sum insured inclusive of the no claim bonus has been exhausted during the policy year. Basic sum insured will be re-instated only once in a policy year.
Enhanced Cumulative Bonus(Optional cover by paying extra premium) The cumulative bonus shall automatically increase to 10% and the maximum cumulative bonus shall not exceed 100% of Base Sum Insured. Cumulative bonus thus applied would automatically decrease by 10% of the Basic Sum Insured in the event of a claim.
Co-pay (Optional Cover getting discount on base premium) If an insured opts for 10% / 20% co-pay, then it will be applicable on all claims admissible under following benefits.

Additional discounts

  • Family Discount of 10 % if 2 members or more family members are covered under the same policy on Individual sum insured basis.
  • Discount for multi-year polices-10% discount for opting 2yr policy tenure
  • (25% discount on base premium if the Insured opts for 20% Co-pay)(10% discount on base premium if the Insured opts for 10% Co-pay)


  • In case of war or any sort of armed conflicts
  • Violation of any law with an intent of crime
  • Injuries caused due to an act of self-destruction, suicide or suicide attempts
  • Radioactivity or war, terrorist activities
  • Claims for illness that may arise due to intoxication of alcohol and drugs
  • Plastic or cosmetic surgery unless performed as an internal part of the treatment
  • Vaccinations including inoculation and immunizations taken for preventive measures
  • Mental disorder or insanity, cosmetic surgery, weight control treatment
  • Experimental, investigational or unproven treatment, devices and pharmacological regimens
  • Pregnancy, dental and external aids and appliances unless covered under specific plans
  • Medical Expenses relating to any hospitalisation primarily and specifically for diagnostic, X-ray or laboratory examinations and investigations


Note: Any claims arising out of or attributable to any of the following is not covered. Please refer policy T & C for detailed list of exclusions.

Tax Benefits

The premium paid for health insurance policy is liable to get a tax rebate under section 80D of the Income Tax Act, 1961.

Claim Process

In case you would like to know about the Claim Process or would like to register a Claim please click the link below.

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Tab 2

2 burgers per month

burger₹ 700
Your yearly cost on fast food = roughly ₹ 8,400
Cost of Health Insurance for whole family with ₹ 5 lakhs cover!

Tab 3

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