Shriram Shri Health Suraksha Plan: Coverage & Benefits | PolicyX
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Shriram Shri Health Suraksha Plan

Shriram's Shri Health Suraksha Plan is a comprehensive indemnity healt ...Read More

Up to 3 Crore
Sum insured
537+
Pan India presence
86.86%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.8/5 · 67 reviews
🏥 13,000+ hospitals
📊 3.51 solvency ratio
✅ 86.86% claim settlement
Written by Simran Kaur Vij
Reviewed by Anchita Bhattacharyya
Published: 7 Mar 2025
Updated: 27 Jul 2026
Expert Verified
IRDAI Licensed

Overview

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

With nationwide access to 13,000 network hospitals, individuals can choose a plan that best suits their healthcare needs and enjoy cashless treatments. Introducing the plan, Anil Aggarwal, MD & CEO, said:

“It enables the customer to provide medical treatment to their loved ones, unhindered by any financial challenges. We have priced premiums competitively for a family floater plan. The offering aligns with our vision to allow every Indian to access comprehensive and quality medical care.”

Let's learn more about the plan.

Benefits of Shri Health Suraksha Plan

Comprehensive Coverage

Covers a wide variety of treatments, including modern procedures and AYUSH treatments, accessible for all policyholders.

Cashless Treatments

Access to 13,000+ network hospitals with the Shri Health Suraksha plan.

Sum Insured Options

Offers multiple sum insured options from Shriram Health Insurance.

Individual and Family Cover

Shri Health Suraksha is available as individual and family coverage, covering children aged 3 months or above, as well as parents and in-laws. Select a variant suitable for you and your family.

Impressive Cumulative Bonus

Receive an impressive cumulative bonus for every claim-free year.

Exclusions

  • Hospitalization due to war, riot, strike, or nuclear weapons
  • Intentional self-injury
  • AIDS
  • Miscarriage and abortion
  • Congenital diseases
  • Infertility and in-vitro fertilization

Conclusion

The Shri Health Suraksha Plan is a competitively priced affordable health insurance plan. It offers affordable premiums, especially for those interested in family floater plans. Shriram General Insurance aims to make quality healthcare accessible to all with the launch of the Shri Health Suraksha plan. Additionally, this plan provides financial support for out-of-pocket costs that may exceed the coverage.

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 Shriram 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.

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