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Shriram Health Insurance is offered by Shriram General Insurance Company Limited, an IRDAI-registered general insurance company with Registration No. 137. Its health insurance portfolio includes Shri Health Suraksha Insurance Policy, an indemnity-based health policy available on both individual and family floater basis. The policy covers hospitalisation expenses along with AYUSH treatment, day-care procedures and modern treatments.
Sum Insured: ₹50,000 to ₹10 lakh, available in multiples of ₹50,000.
Policy Type: Indemnity-based health insurance available on individual and family floater basis. Policy Period: 1 year.
Room Rent: Up to 2% of the sum insured, subject to a maximum of ₹5,000 per day.
ICU/ICCU Charges: Up to 5% of the sum insured, subject to a maximum of ₹10,000 per day.
Pre-Hospitalisation: Medical expenses for up to 30 days before hospitalisation.
Post-Hospitalisation: Medical expenses for up to 60 days after discharge.
AYUSH Treatment: In-patient AYUSH treatment covered up to the sum insured and cumulative bonus available under the policy.
Day-Care Treatments: Eligible procedures requiring less than 24 hours of hospitalisation are covered, subject to the policy terms.
Modern Treatments: Listed modern treatments and procedures are covered up to 50% of the sum insured.
Road Ambulance: Expenses covered up to ₹2,000 per hospitalisation.
Cumulative Bonus: 5% of the sum insured is added for every claim-free year, up to a maximum of 50%; the bonus reduces by 5% when a claim is made.
Co-payment: A 5% co-payment applies to claims under the base policy. A co-payment waiver is available as an optional cover
| Plan | Type | Key Specification | What It Covers |
|---|---|---|---|
| Shri Health Suraksha Insurance | Indemnity health insurance | Sum insured from ₹50,000 to ₹10 lakh; individual and family floater options | Hospitalisation, pre- and post-hospitalisation, AYUSH treatment, day-care procedures, modern treatments and road ambulance expenses. |
| Shri Criti Care Insurance | Critical illness benefit policy | Lump-sum benefit on diagnosis of a covered critical illness | Financial benefit following diagnosis of illnesses listed in the policy. |
| Shri Hospital Daily Cash Benefit Insurance | Hospital cash benefit policy | Daily benefit from ₹500 to ₹5,000 | A fixed daily cash amount during eligible hospitalisation rather than reimbursement of the actual hospital bill. |
| Shri Vector Care Insurance | Vector-borne disease cover | Dedicated product for specified vector-borne diseases | Financial protection for covered illnesses caused by vector-borne diseases. |
| Shri Ambulance Service for Hospital Assistance (ASHA) Insurance | Ambulance assistance cover | Ambulance assistance available up to 2 times during the policy period | Eligible ambulance transportation during medical emergencies and transfers between hospitals for better medical care. |
The add-on options differ across Shriram's health products. For the main indemnity health policy, Shri Health Suraksha, the insurer lists several optional enhancements that change specific limits or benefits.
Removes the 5% co-payment applicable under the base policy when this add-on is selected.
Extends the standard pre-hospitalisation period from 30 to 60 days and post-hospitalisation period from 60 to 90 days.
Raises the room-rent limit to 2% of the sum insured, subject to a maximum of ₹10,000 per day.
Raises the ICU/ICCU limit to 5% of the sum insured, subject to a maximum of ₹20,000 per day.
Changes the room entitlement to a single private AC room, excluding suites.
Removes the stated ICU/ICCU daily limit, subject to the applicable policy terms and sum insured.
Restores 100% of the original sum insured for subsequent admissible hospitalisation after exhaustion of the available cover.
Increases the cumulative bonus by 25% of the sum insured for each claim-free year, up to 250%.
Brings specified hospital consumables within the admissible claim, subject to the listed items and policy conditions.
Extends ambulance assistance to include road and air ambulance expenses, subject to the conditions stated in the policy.
Reduces the pre-existing disease waiting period from 36 months to 24 months.
Shriram's health portfolio is not limited to one form of medical cover. Its products address different situations: hospitalisation expenses, critical illnesses, daily hospital cash, vector-borne diseases and ambulance assistance.
The portfolio includes an indemnity health policy, critical illness cover, hospital daily cash, vector-borne disease cover and ambulance assistance.
Shri Criti Care Insurance has sum insured options from ₹50,000 to ₹3 crore, with entry from 18 years and renewal available up to age 70.
Shri Hospital Daily Cash Benefit Insurance has daily benefit choices from ₹500 to ₹5,000, with policy-duration options extending up to 180 days.
Shri Vector Care pays 100% of the sum insured when an insured person is hospitalised for more than 24 continuous hours due to a covered vector-borne disease such as dengue, malaria, chikungunya, Zika or Japanese encephalitis.
Shri Health Suraksha is available on an individual as well as family-floater basis, with a stated sum insured range of ₹50,000 to ₹10 lakh.
Shri Health Suraksha does not apply zone-based pricing to its premium structure.
If you are comparing Shriram Health Insurance with other insurers, Coverfox lets you review the available policies before choosing one.
Step 1: Enter your details: Add your age, city and the family members you want to insure.
Step 2: Compare policies: Check Shriram against other available insurers on premium, sum insured, waiting periods, co-payment, exclusions and benefits.
Step 3: Pick the appropriate product: Choose the Shriram health product that matches your requirement, whether you need hospitalisation cover, critical illness protection or a supplementary hospital cash benefit.
Step 4: Complete the proposal: Enter the requested personal and health information accurately.
Step 5: Review the quote: Check the premium, coverage, waiting periods and selected add-ons before proceeding.
Step 6: Pay online: Complete the premium payment through the available online payment options.
Step 7: Receive the policy: Once the proposal is accepted and the insurer completes its required checks, the policy document is issued digitally.
Need help deciding? The Coverfox team can help you compare Shriram's health products with policies from other insurers, explain the differences in coverage and help you through the purchase process.
Cashless Network Hospitals: 13,000+ hospitals across India.
Cashless Treatment: Eligible treatment at a network hospital can be settled directly with the hospital after the required cashless authorisation.
Hospital Locator: Customers can search for a Shriram network hospital by city and check the available hospitals before planned treatment.
Customer Care: 1800-300-30000 (Policyholders) / 1800-103-3009 (Others)
Website: Shriram General Insurance
Email: customer.feedback@shriramgi.in
Address: E-8, EPIP, RIICO Industrial Area, Sitapura, Jaipur, Rajasthan - 302022.
The sum insured under the Shri Health Suraksha health policy ranges from ₹50,000 to ₹10 lakh. The available amount depends on the product and policy option selected.
Yes. The waiting period for pre-existing diseases is 36 months under the Shri Health Suraksha policy. A waiting-period reduction add-on is available to bring this down to 24 months, subject to its terms.
A 5% co-payment applies under the base Shri Health Suraksha policy. Shriram also lists a Co-Pay Waiver as an optional add-on.
Yes. AYUSH treatment is included under Shri Health Suraksha, with the policy listing coverage up to the applicable sum insured.
The room-rent limit is 2% of the sum insured, subject to a maximum of ₹5,000 per day. An optional Room Capping add-on can increase the limit to 2% of the sum insured, subject to a maximum of ₹10,000 per day.
Yes. Shri Health Suraksha is available on an individual as well as family floater basis.
For a cashless claim, treatment needs to be taken at a network hospital and the required pre-authorisation process must be completed. For claim assistance, customers can contact Shriram's customer care at 1800-300-30000 or 1800-103-3009.
Yes. Shriram General Insurance provides online policy servicing and renewal facilities through its website. Customers can also access their policy documents and other self-service options online.
