Buy Shri Health Suraksha Insurance Policy Online

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.

Highest Claims Payout

Nil Pending Complaints

Over 60 Lakh Happy Customers

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

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

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

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

Prompt Customer Support

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

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%.

How to buy/renew Shri Health Suraksha Insurance Policy?

Buy Shriram Health Suraksha InsuranceOnline
Renew Shriram Health Suraksha InsuranceOnline

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

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

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.

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.