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TPA Information

Health Suraksha Floater


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


  • Room rent, Board & Nursing Expenses as provided by the Hospital/ Nursing Home.
  • Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialists Fees.
  • Anaesthesia, Blood, Oxygen, Operation Theatre Charges, Surgical Appliances, Medicines & Drugs, Diagnostic Materials and X-ray,
  • Day Care expenses.
  • Ambulance charges
  • Free medical check-up.
  • Patient Care.
  • Accidental Hospitalisation.
  • Hospital Cash.
  • Accompanying Person.
  • Organ Donor Expenses.
  • Recharge of Sum Insured.


Room Rent Limit
Gold Plan SI 50K,1 Lakh,1.5 Lakh 1% of SI per day, For other SI under Gold Plan actual.
ICU Daily Rent Limit
Gold Plan SI 50K,1 Lakh,1.5 Lakh 2% of SI per day, For other SI under Gold Plan actual.
Pre-Hospitalization Expenses
60 days. For Topaz and Ruby Plan 1% oF SI upto 60 days.
Post Hospitalization Expenses
90 days. For Topaz and Ruby Plan 1% oF SI upto 90 days.
Minimum Hospitalization Period
24 hours
Day Care Procedure Coverage
Automatic Restoration of Sum Insured
This benefit is available for sum insured of ? 300000 and above. Recharge shall beavailable only for future claims irrespective of whether the claim is for the same ailment for which insured has claimed.
Pre-Existing Disease / Illness coverage
Covered after4 years of continuous Coverage
Waiting Period for New Policy
30 days
Co-payments are applicable in case of admission in room with higher room rent than the eligible limit in case of Topaz and Ruby Plans
Free Health Checkup
Medical Checkup - At the end of every continuous period of 4 claim-free years
Ambulance Expenses
Maximum ? 2000 for Gold and Platinum Plan, Maximum ? 750 for Topaz and Ruby Plan, Overall limit of ? 1500 per policy year.
Daily Hospitalization Allowance
500 per day, up to 60 days under Platinum plan
Donor Expenses
Attendant Allowance
Not covered
Nursing Allowance
No Claim Bonus
10% for every claim-free year to Max 50%
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