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Shriram Health Insurance Shriram Health Insurance ★ 5.0

Shri Health Suraksha Plan

Shriram Health Insurance has launched its first-ever indemnity health ...Read More

Up to 3 Crore
Sum insured
1
No. of plans
537+
Pan India presence
86.86%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 5.0/5 · 55 reviews
🏥 13,000+ hospitals
📊 3.51 solvency ratio
✅ 86.86% claim settlement

Shriram Health Insurance has launched its first-ever indemnity health plan, Shri Health Suraksha Insurance. This comprehensive plan promises to offer various medical treatments, including modern procedures and traditional AYUSH therapies.

Why Do We Recommend This?
  • Covers hospitalization expenses
  • Daycare procedures
  • Tax benefits

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
NA
Plan type
Individual and Family Health Insurance
Sum insured options
₹10 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1 Year

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Multiple sum insured
  • Family cover
  • Ambulance cover

Cons

  • Illegal activities
  • Obesity treatments
  • HIV
  • Adventure sports

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Not covered
  • Day-care treatment Covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Not covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Not covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Not covered
  • Sub-limits Not covered
  • Compassionate travel Not covered
  • Global coverage Not covered

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min entry age: NA
  • Max Entry age: NA
  • Sum Insured: Multiple
  • Waiting Period: 30 days

Frequently Asked Questions

The 5 most-asked questions about Shri Health Suraksha Plan, answered.

Yes, the Shri Health Suraksha Plan is available for family members as well as individuals.
Yes, the plan offers an impressive cumulative bonus on spending claim-free years.
Yes, the Shri Health Suraksha Plan offers coverage for AYUSH treatments.
Yes, it does offer a grace period of 15/30 days as per the mode of premium installment to maintain continuity benefits.
13,000+ cashless network hospitals are available under the Shri Health Suraksha Plan.

Health Insurance Articles

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 19 May 2026 · Originally published: 7 Mar 2025

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