Health Surplus
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Health Surplus is a high deductible health insurance plan which can also act as a top up plan to your existing health insurance cover. This policy covers medical expenses incurred during hospitalization due to accident or illness.


  • This plan supplements your existing health insurance where you can go for higher sum insured over and above a deductible limit
  • It can be bought by those also who do not have any health policy
  • No Medical tests required up to the age of 55 years
  • No loading on renewal premium in case of a claim
  • Attractive family discount is available
  • Tax rebate available as per provision of Income Tax Rules under section 80-D
Title Description
Room Rent Limit No Limit
ICU Daily Rent Limit No Limit
Pre-Hospitalization Expenses 60 days
Post Hospitalization Expenses 90 days
Pre-Existing Disease / Illness coverage After 48 months
Waiting Period for New Policy 30 days
Medical Screening Above age 55 years
Nursing Allowance 24 hours