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What is Shri Health Suraksha Insurance Policy?

Health Insurance can be a safety net during unpredictable instances. It provides financial assistance and peace of mind, while you can take care of your loved ones. Nowadays, Health Insurance has become a crucial financial investment as healthcare costs are increasing every day. Unexpected injuries and illnesses can lead to hefty medical bills, which can cause a financial burden.


Health Insurance provides coverage for medical expenses like surgery, room rent and ambulance. Beyond the financial aspect, Health Insurance ensures access to necessary medical care. Without it, people might delay or forgo essential treatments due to cost concerns, potentially leading to worse health outcomes in the long-run.


Shri Health Suraksha Policy provides comprehensive Health Insurance for individuals and families. The key features of Shri Health Suraksha Insurance Policy also provides coverage for Ayush treatment or hospitalisation.

What is Car Insuance
Highest Claims

Highest Claims Payout

Nil Pending Complaints

Nil Pending Complaints

Over 60 Lakh Happy Customers

Over 60 Lakh Happy Customers

Why choose sri suraksha health

Why Choose Shri Health Suraksha Insurance Policy?

  • Shri Health Suraksha Insurance has a wide-range of network hospitals.
  • Shriram General Insurance provides prompt customer support and claims settlement in the least specified time.
  • No Zone Wise Premiums
  • Shri Health Suraksha covers Room rent charges up to 2% of the policy's sum insured, with a daily maximum of Rs. 5000.
  • Shri Health Suraksha covers ICU charges up to 5% of the policy's sum insured, with a daily maximum of Rs. 10,000.
  • AYUSH Coverage upto Sum Insured
  • Covers Modern Treatment.

Features of Shri Health Suraksha Insurance

The features of Shri Health Suraksha Insurance are listed below.

Affordable premium

Affordable premium

Shri Health Suraksha Insurance provides affordable premiums and is designed to benefit urban and semi-urban residents.

Minimal Paperwork

Easy and Quick Purchase

You can purchase the Shri Health Suraksha in a single call. Our customer care executive will guide you to purchase the Health Insurance. Additionally, it requires minimal paper work.

Tax-Saving Benefit

Tax-Saving Benefit

Shri Health Suraksha Insurance provides tax benefits under Section 80D.

Prompt Customer Support

Prompt Customer Support

Shriram General Insurance provides prompt customer support with an easy claim initiation and approval process.

Comprehensive Protection

Comprehensive Protection

Shri Health Suraksha Insurance provides Comprehensive protection at an affordable premium.

Benefits of Health suraksha insurance online

Benefits of Shri Health Suraksha Insurance Policy

The benefits of Shri Health Suraksha Insurance are listed below.

  • The coverage starts immediately for hospitalisation caused by accidents, and after a minimum of 30 days waiting period, the coverages are provided for diseases mentioned in the policy.
  • Hassle free Health Insurance purchase and claims settlement process.
  • Your coverage increases by 5% each year you don't file a claim, up to a maximum 50% increase, as long as you renew your policy continuously.
  • The cumulative bonus will increase a minimum of 5% with every claim-free year up to a maximum of 50%.
Benefits of Health suraksha insurance

How to buy/renew Shri Health Suraksha Insurance Policy?

  • Buy Shriram Health Suraksha Insurance Online
  • Renew Shriram Health Suraksha Insurance Online

You can purchase Shri Health Suraksha Health Insurance with these steps.

1
  • Visit the official Shriram General Insurance website.
2
  • Input your details like name and contact number.
3
  • Our customer care executive will call you and assist you in purchasing the Health Insurance policy.

You can renew the Shri Health Suraksha Insurance with these simple steps.

1
  • Visit the official Shriram General Insurance website.
2
  • Provide the required details like name and contact number.
3
  • Customer care executive will contact you in assisting to renew your Shri Health Suraksha Insurance policy.

Cumulative Bonus in Shri Health Suraksha Insurance Policy

A Cumulative Bonus is awarded annually to policyholders who do not file claims during the policy year. This bonus increases by 5% each claim-free year, up to a maximum of 50% for continuous policy renewals. Filing a claim reduces the bonus proportionally.

Which add-ons are included in the Shri Health Suraksha Insurance Policy?

Co-payment waiver

If Co-payment waiver is opted, the policyholder need not pay 5% of the co-payment during the time of claims.

Inclusions/Exclusions of Shri Health Suraksha Insurance Policy

The coverages of Shri Health Suraksha Insurance are listed below.

  • Inclusions
  • Exclusions
01

The policy provides coverage for hospital expenses including room rent up to Rs. 5000/day, or 2% of the sum insured.

02

ICU/ICCU charges up to Rs. 10,000/day, or 5% of the sum insured), doctor and specialist fees (as part of the hospital bill), anaesthesia, blood, oxygen, operating room charges, surgical supplies, medications, diagnostic tests, and other related expenses are also covered.

03

Dental injury caused due to an accident is covered.

04

Plastic surgery caused due to an injury is covered.

05

Road ambulances are covered by a maximum of Rs. 2000 per hospitalisation.

01

Medical expenses related to diagnostic purposes will not be covered.

02

Surgical treatment for obesity and weight control purposes will not be covered.

03

Cosmetic, plastic surgery and gender-related surgery will not be covered.

04

Medical expenses caused due to participation in adventurous sports will not be covered.

05

Medical expenses involving treatment for alcohol, drug or substance abuse will not be covered.

06

Maternity expenses will not be covered.

How to make a claim in three simple steps?

Follow these simple steps to initiate a cashless claim.

  • Cashless Claim
  • Reimbursement Claim
  • Step 1
  • Step 2
  • Step 3
Register your Claim

The first step is to notify the insurance provider about the claim within 24 hours of emergency hospitalisation or 48 hours before planned hospitalisation.

Submit the Required Documents

For cashless claims, the cashless request form will be available in the network hospital. After filling in the required details, the insurance provider will send a pre-authorisation letter to the network hospital.

Claim Settlement

The policyholder should sign the discharge papers. If the cashless option is rejected, the person can follow the doctor’s advice and submit all the claim documents for reimbursement.

  • Step 1
  • Step 2
  • Step 3
Register your Claim

The policyholder should submit all the necessary documents within the prescribed time.

Submit the Required Documents

The medical bills should be submitted to the insurance provider within 15 days of the date of discharge.

Claim Settlement

After reviewing, the claims will be settled.

Must Know Terms

Cashless Garage

Free Look Period

When the policy starts, the policyholder will have 30 days to review the terms and conditions. If they are not satisfied, they can request for a refund, subject to the following conditions.
No Claims Made: If no claims are made during this period, the premium paid will be refunded minus the cost of medical tests, stamp duty, and administrative charges.
If Coverage Has Started: A deduction will be made for the premium corresponding to the period of coverage.
Partial Coverage: If only part of the coverage has started, the refund will be adjusted for that portion of the coverage.
Exceptions: This free look period does not apply during policy renewal. It is only available for policies with a term of one year or more.

Insured Declared Value (IDV)

Waiting Period

The waiting period is the time when the coverage starts. However, certain diseases will not be covered. After the waiting period, the insurance will provide coverage for all the diseases specified in the insurance.

Deductibles

Grace Period

A Grace Period is the time given to continue coverage after the policy expires without the insurance lapsed. A 15-day grace period applies to monthly premium payments, while a 30-day grace period applies to all other payment frequencies.

No Claim Bonus (NCB)

Moratorium Period

On completion of five years of continuous coverage, the insurance company can't challenge your policy or claims due to undisclosed information or misrepresentations, except in cases of proven fraud. These five years are called the moratorium period. If you increase your coverage, the five-year period restarts for the increased amount.

How to download your Health Suraksha insurance policy copy

How to download your Health Insurance Policy copy?

You can download your Health Insurance policy by following these simple steps.

Step 01

Log in to your MySGI app or visit the official website of Shriram General Insurance.

Step 02

Input your policy details.

Step 03

Now click download, and the policy will be downloaded.

Cancellation Process

Policyholder Cancellation: Policyholders can cancel their policy with written notice within 7 days of purchase. For policies under one year with no claims, a proportional refund is issued for the unexpired period. For policies over one year where coverage hasn't begun, a full refund is given for the unexpired portion.

Insurer Cancellation: The insurer may cancel a policy with 7 days of written notice due to misrepresentation, non-disclosure of material facts, or fraud. If the policyholder is found to be involved in such activities no refund will be provided in such cases.

Why Compare Health Insurance Plans Online?

By comparing Health Insurance Online, you can get free quotes from various insurance providers, can do it at the convenience of your home and choose the plan that suits your budget. The reasons for comparing Health Insurance plans online are listed below.

To make an informed decision

To make an informed decision

You can compare policies online and make an informed decision. You can purchase a Health Insurance plan that meets your budget and coverage. You can also choose a family floater policy that will provide coverage for the family.

Compare Premiums Online

Compare Premiums Online

You will be able to compare the Health Insurance premiums of different insurance providers. Apart from the premium, you will be able to get the coverage details and the waiting period for the diseases.

Network Hospital List

Network Hospital List

Choosing an insurance provider with a wide range of network hospitals will benefit you. With network hospitals, you can make cashless claims, and locating a network hospital in your vicinity will help during emergency situations.

Customisation

Customisation

Comparing and purchasing Health Insurance online will help you customise your policy. Apart from the health coverage, you can also opt for add-ons that customise your plan.

Claim Settlement

Claim Settlement

When you compare claims settlement ratios online, it will help you to choose the insurance provider with quick and hassle-free claims. Additionally, insurance providers with a good claim settlement ratio will have a vast customer base.

Downloads

To get more details about Health Insurance, click here to get the policy documents.

Frequently Asked Questions

Is it better to buy Health Insurance Online?

faq-arrow

Purchasing Health Insurance Online has many benefits, such as convenience, minimal paperwork, flexibility, the ability to compare online policies, and time savings.

Can I save money by comparing Health Insurance online and then purchasing it?

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Yes, you can save money by purchasing Health Insurance online. It will help you compare various coverages and insurance providers with a wide range of network hospitals, which will help you save more in the long run.

Is Health Insurance mandatory in India?

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Health Insurance is not mandatory in India. However, considering the increase in medical expenses, it is recommended that you purchase it.

Are add-ons provided in Health Insurance?

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Yes, you can opt for add-ons by paying extra premium. These add-ons will help you cater your policy according to your requirement.

What is waiting period in Health Insurance?

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The waiting period is the time a policyholder has to wait before getting the coverage benefits of Health Insurance. Certain diseases have a waiting period of 30 days, and it differs from one insurance provider to another.

Can I make a claim for Health Insurance after 1 month?

faq-arrow

In most cases, insurance providers have 30-days waiting period, but it differs from one provider to another. So, before claiming, read the policy document.

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IRDAI Consumer Education:- Insurance is the subject matter of solicitation. IRDAI Registration Number - 137. CIN No. U66010RJ2006PLC029979. BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS. IRDAI clarifies to public that IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums. IRDAI does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.

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