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Shri Health Suraksha Plan
Shriram General Health Insurance has launched its first-ever indemnity health plan, Shri Health Suraksha Insurance. This comprehensive plan…
- Multiple sum insured
- Family cover
- Ambulance cover
Shriram Health Insurance
Shriram Health Insurance
Shriram General Insurance, founded in 2006, is a joint venture between Shriram Group and Sanlam Limited. This leading ...Read More
13,000+
Cashless hospitals
86.86%
Claim settlement
3 Crore
Max sum insured
1
Active plans
🛡️ IRDAI Approved
⭐ 4.8/5 · 65 reviews
🏥 13,000+ hospitals
📊 3.51x solvency ratio
✅ 86.86% claim settlement
What you get with Shriram Health Insurance
The headline features and policy mechanics, at a glance.
Sum insured up to 3 Crore
Coverage scales from entry-level individual plans to high-end family-floater protection.
13,000+ cashless hospitals
Direct billing at network hospitals across 537 presence — no out-of-pocket payment at admission.
86.86% claim settlement
Industry-leading approval rate on eligible claims received in the most recent fiscal year.
3.51x solvency ratio
Well above IRDAI's 1.5× floor — strong indicator of long-term claim-paying ability.
1 active plans
Choose from individual, family floater and senior-citizen variants to match your household.
About Shriram Health Insurance
A quick overview of the insurer — parent group, brand history, and where they sit in the Indian health-insurance market.
Shriram Health Insurance Overview
Shriram General Insurance Company, founded in 2006, is a joint venture between Shriram Group and Sanlam Limited. The company's main aim is to provide individual customers with commercial and personal insurance solutions. They have supported national growth and development by collaborating closely with marginalized communities. Although Shriram General Insurance Company offers house, health, travel, motor, car, and life insurance products, their major focus is on serving the needs of the common people.
Shriram General Insurance offers a few plans that provide complete protection against medical costs.
Key Highlights
- 95,000+ Healthcare Providers
- 2.17 Crore Policies Issued
- 1.6 Million Claims Settled
- Sum Insured: Up to 3 Cr
- 24x7 Customer Support
Features of Shriram Health Insurance
- Over 60 Lakhs Happy Customers.
- Claim settlement ratio of 51.53%.
- Seamless claim operations.
- Dedicated 24/7 customer support.
- Fastest claim process.
Shriram Health Insurance Awards and Accolades
- Best Claim Settlement Non-Life Insurance Award 2022.
- Best Product Innovation Non-Life Insurance Award 2022.
- Best General Insurance Company of the Year 2019.
- Amiable Insurer in the Non-Life Insurance 2018.
- Excellence in Growth Award 2012.
Choose Shriram Health Insurance Coverage of Your Choice
Select a sum insured option below to compare health plans matching your coverage need.
All 1 Shriram Health Insurance plans
Every plan currently being sold by Shriram Health Insurance, shown side-by-side so you can shortlist quickly.
What's covered — and what's not
The standard inclusions and exclusions across Shriram Health Insurance plans. Specific plans may add benefits — always check the policy wording before purchase.
✓ Inclusions
- Shriram Health Insurance understands the impact of rising medical expenses; thus, their insurance products cover pre and post-hospitalization expenses related to in-patient hospitalization.
- The Shri Criti Care plan covers major critical illnesses and related expenses.
- Shriram health insurance plans cover hospital expenses like room rent, ICU charges, surgery expenses, doctor consultations, and other such expenses.
- The plan provides complete coverage for surgeries.
- On a doctor’s recommendation, a policyholder can avail of medical care in the comfort of their home. Shriram health insurance plans cover domiciliary hospitalization up to specified sub-limits.
✗ Exclusions
- Shriram Health policies will not cover injuries or hospitalization caused by self-harm.
- Shriram Health Insurance plans do not cover treatments related to obesity and weight management such as bariatric surgeries.
- Shriram Health Insurance plans do not cover any kinds of cosmetic surgeries or treatments.
- Shriram Health Insurance plans will not cover hospitalizations or accidents caused due to adventure sports.
- Shriram Health Insurance plans do not cover individuals or families for hospitalization or injuries caused due to unlawful activities.
Documents required
For policy purchase and claim submission. Have these ready before you start.
- Duly completed and signed original claim form.
- Valid photo-ID proof.
- Medical practitioner's referral letter and prescription.
- Original bills, receipts, and discharge cards from the hospital/medical practitioner.
- Original bills from pharmacy/chemists.
- Original pathological/diagnostic test reports/radiology reports and payment receipts.
- Indoor case papers.
- First Information Report (FIR) and final police report, if applicable.
- Post-mortem report, if conducted.
- Any other document as required by the company to assess the claim.
Waiting periods
When specific benefits become claimable after policy start.
What Are The Different Waiting Periods In Shriram Health Insurance Plans?
Initial Waiting Period
Begins from the date of purchase and lasts for up to 30 days for most Shriram Health Insurance plans.
Pre-existing Disease Waiting Period
Shriram Health Insurance plans require you to serve specific waiting periods if you are diagnosed with PEDs (Pre-existing Diseases) such as hypertension, diabetes, or others.
Survival Period
Like waiting periods, Shriram health insurance plans with critical illness coverage have a survival period. During this period, policyholders diagnosed with any listed critical illness must outlive the survival period to enjoy coverage benefits.
Buy, claim, renew, port — step-by-step
Step-by-step guides for the four moments that matter most in your policy lifecycle. Click a tab to switch.
If you are looking forward to purchasing Shriram Health Insurance online, follow these simple steps:
- Step 1
Visit the PolicyX health insurance page and enter your details such as name, age, number of members to be covered, and city.
- Step 2
Click on 'Get free quotes' and compare Shriram Health Insurance Plans as per your needs.
- Step 3
Select and pay premiums online for the Shriram health insurance plan of your choice.
- Step 4
Our team of insurance experts at PolicyX will provide you with all the assistance required regarding claims and other queries post-purchase of your Shriram Health Insurance plan.
You can file for cashless as well as reimbursement claims for your Shriram Health Insurance Plans by following these easy steps:
- Step 1
Visit the website of Shriram Health Insurance, select the "Claim" option, then click on "Claim Intimation" to access the form.
- Step 2
Select "health claim" and enter the required information such as policy number, date of birth, and other details.
- Step 3
Select the "claim type" (cashless or reimbursement). Click 'Authorize' to receive an OTP on your verified number.
- Step 4
Verify with the OTP and fill in the required hospital admission information. Select the hospital, and provide hospital details if it's a non-network hospital.
- Step 5
Upload the requested documents and click 'Review'.
- Step 6
After reviewing, submit the intimation for the company's review. You will receive a claim intimation number, which should be noted for future reference.
Follow these steps for Shriram Health Insurance policy renewal:
- Step 1
Visit the official website of Shriram Health Insurance Company.
- Step 2
Click on the ‘Renew’ tab.
- Step 3
Enter your ‘Policy Number’ and ‘Date Of Birth’.
Connect with our insurance experts for Shriram health insurance policy renewal at 1800-4200-269.
Frequently asked questions
The 5 most-asked questions about Shriram Health Insurance, answered.
Shriram Health offers insurance protection against vector-borne diseases, critical illness, and accident coverage.
You can call them on their toll-free number, email them or visit their official website.
Yes, you can buy Shriram health insurance online through a very user-friendly process.
They have an easy claim settlement process. You can file a claim online or just call their customer support for the claim procedure.
You need to fill out the claim form and show a copy of the hospital discharge summary, medical bills, receipts, and doctor’s prescription.
Compare Health Insurance Companies
Pick any two insurers to see a detailed side-by-side comparison.
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Customer satisfaction
Aggregate ratings from 65 verified PolicyX customers who bought a Shriram Health Insurance plan.
Health Insurance Premium Calculator
PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. Input your details and find the most suitable health insurance policies for your requirements.
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Written and reviewed by
PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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