One hospital bill shouldn't undo years of savings.
Cashless claims at 15,000+ network hospitals
Affordable premiums
No
co-payment
Medical emergencies can arise from both illnesses and accidents.Ask yourself : Can I comfortably manage this cost tomorrow?
Average ICU stay
₹2 - 5 lakhs
Cancer treatment
₹8 - 25 lakhs
Heart surgery
₹3 - 10 lakhs
Cost is for illustrative purposes only. Actual treatment costs may vary.
If this question makes you pause...
You've already answered why health insurance matters.
Medical emergencies are not always the result of illness. Accidents, injuries, and sudden health conditions can lead to unexpected hospital bills. Health insurance helps ensure that medical decisions are based on treatment needs—not financial limitations.
How it works
You pay a small yearly amount.
If you're hospitalized, major costs are covered.
You avoid dipping into savings or taking loans.
Why millions trust Shriram General Insurance
The Shriram advantage
Built on trust. Backed by experience.
As part of the 50-year-old Shriram Group, one of India's leading financial services conglomerates, we are backed by a legacy of trust, integrity and customer-first values.
Protection beyond health
With 19 years of insurance expertise, we offer comprehensive protection across health, motor, home and commercial insurance—providing trusted solutions under one umbrella.
Customer-first, always
We believe insurance should be simple, transparent and dependable. Our customer-centric approach, straightforward products and dedicated support ensure a seamless experience at every step.
Strength you can depend on
Financially strong & future-ready
Backed by a strong solvency position, we remain committed to honouring our promises and protecting our customers.
Fast & hassle-free claims support
When you need us most, we're there. Our efficient claims process is designed to deliver speed, transparency and a hassle-free experience.
70+ lakh active customers
One of India's fastest-growing general insurers
Customer-first claims & service
Part of the trusted Shriram Group
Solvency margin of 3.02(Data as on 30 June 2026)
What is Shri Health Suraksha Insurance?
It's health insurance that's designed to actually support you – not confuse you. at SGI, we believe health insurance should be more than just paperwork.
It should give you peace of mind, protect your loved ones, and still be easy on your pocket.
That's exactly why we created shri health suraksha insurance a plan that's simple, affordable, and dependable.
Built for real-world healthcare
Cashless at India's most trusted hospitals
Through our TPA network
Shri Health Suraksha Insurance
Solid cover, solid suraksha.
No cap on ICU or room charges
Serious situations demand serious support.
Your Shri Health Suraksha policy has no capping on ICU or room charges. Single private AC room included in your cover.ICU covered upto actuals.
Consumables covered
Small items. Big relief.
This cover ensures that those small but essential medical items such as gloves, bandages and masks are included in your policy, reducing your out-of- pocket expenses!
Unlimited sum insured restoration
Used it once? Use it again and again and again....
Your cover never clocks out! When your Sum Insured (and cumulative bonus) is fully exhausted, it automatically restores (up to 100%) unlimited times in the same policy year for new illnesses or accidents.
No co-payment
No more surprises in your hospital bill.
Time to make a claim? Keep your cash we take care of the bill.
Enjoy complete Peace of mind with zero co-Payment on claims.
Bonus boost
Super benefit, super bonus.
For every claim free year, your sum insured will increase by 25% in the form of a cumulative bonus. This total bonus can increase up to 250% of Sl!
Air + road ambulance
In emergencies, focus on care, not costs.
Both road & air ambulance expenses covered as per actuals (upto sum insured) so you can act fast in emergencles without worrying about costs.
Always refer to policy wording for complete details.
Here's what actually happens
Imagine you're admitted tomorrow.
You choose any network hospital and begin treatment.
Cashless approval begins.
Consumables included (gloves, masks, bandages).
You don't worry about splitting bills.
Coverage restores if sum insured is exhausted.
You recover—your savings remain intact.
Key benefits of Shri Health Suraksha
| Key features | Description |
|---|---|
Minimum entry Age | Adult: 18 years – dependent child: 03 months to 25 years. |
Maximum entry Age | No limit. |
Who can you include | Self, spouse, children, parents, parents-in-law. One plan. One family. One safety net. |
Sum insured | Sum insured: ₹50,000 to ₹10,00,000 in multiples of ₹50,000. |
Renewability | Lifelong |
Policy term | 1 year, 2 years (5% discount), 3 years (10% discount) |
Free look period | 30 days from the date of receipt of the policy document. |
Tax benefit | Eligible for tax benefits under Section 80D of the Income Tax Act. |
Online discount | 5% |
Family discount | 10% |
*Please ensure you read the policy terms and conditions in detail before buying your plan.
Tax benefits
Protect your health. And your taxes. Income tax benefits are available under Section 80D of the Income Tax Act, 1961 / Section 126 of the Income-tax Act, 2025 (applicable only under the old tax regime).
What this means in real terms
Lower taxable income
Savings while securing your future
Extra benefit when covering parents
Important timelines you should know
No surprises. Just clarity on how your Shri Health Suraksha insurance policy works.
Free look period - 30 days
- Get 30 days from the date of policy receipt to review your policy.
- Cancel the policy during this period if you're not satisfied, provided no claim has been made.
- Applicable deductions may include medical examination costs, stamp duty and policy administration charges.
- A proportionate premium may be deducted if coverage has already commenced.
- The free look period is not applicable at renewal.
- Eligible refunds will be provided within 7 days of cancellation.
Waiting period
Some coverages take a little time - and that's standard.
Your policy starts immediately, but:
- Accidents → covered from day 1.
- Illnesses → covered after 30 days.
- Specific chronic conditions → covered after 2 and 3 years.
- Pre-existing diseases → covered after 3 years.
The earlier you start, the sooner you're fully covered.
Grace period
Missed a payment? You're still protected.
If your premium due date passes, you still get time to pay:
- 15 days (monthly payments).
- 30 days (all other plans).
Pay within this window and your policy continues without any break.
Moratorium period - 5 years
Stay covered consistently, and your policy becomes stronger.
After 5 continuous years with us:
- Your policy becomes more secure.
- Claims won't be questioned for past disclosures.
- Unless there's proven fraud.
How to make a claim
Simple steps. Clear process. Full support when you need it most.
In case of emergency → inform within 24 hours of admission.
For planned hospitalization → inform at least 48 hours in advance.
Early intimation helps us speed things up for you.
No upfront payment. We settle directly with the hospital.
In case of emergency → inform within 24 hours of admission.
For planned hospitalization → inform at least 48 hours in advance.
Early intimation helps us speed things up for you.
Pay first, claim later - simple and straightforward.
Inform the insurer 48 hours before planned hospitalization or within 24 hours of emergency hospitalization.
You can notify via email or the toll-free helpline.
Cancellation process
Downloads
To get more details about Health Insurance, click here to get the policy documents.
