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Home Credit Assure Shakti + Bharat Griha Raksha Plus - Long Term Insurance

HDFC ERGO General Insurance Company Limited

Health Insurance

UIN: HDFHLGP26053V012526 Updated: May 2026 Score: 66 / 100
Broucher-1 1.3 MB
Broucher-2 1.2 MB
wording 1.7 MB

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Quick Information

Basic Details

Entry Age 18 years to 65 years
Coverage Amount ₹3 Lakh to ₹25 Lakh
Policy Term 1 year (annual renewal)
Co-payment 20% for age 60+
Network Hospitals 14,000+ cashless hospitals
Claim Settlement 92% (FY 2023–24)

Best For

Families needing comprehensive coverage
People who want no room rent restrictions
Those preferring cashless treatments
Individuals looking for AYUSH coverage
Senior citizens seeking reliable cover

What Works Well

Very high maximum sum insured up to INR 4 crore

Long tenure property protection up to 30 years

Strong critical illness coverage options

No survival period for critical illness claims

Covers disappearance and comatose under accidental death

Multiple policy structures including floater and multi-individual

Watch Out For

Coverage restricted to loan-linked customers

No cumulative bonus structure

No maternity benefits

No restoration/recharge benefit

Several sections applicable only for salaried individuals

Hidden Clauses — Read Very Carefully!

These clauses are often buried in fine print. InsureBuddy surfaces them so you're never surprised at claim time.

If 100% claim is paid under Major Medical Illness or Personal Accident section, corresponding linked section terminates
Reducing balance sum insured applies for older ages and longer loan tenures
Loss of Job benefit payable only once during policy period
Claim must generally be reported within 30 days from date of loss
Angioplasty covered only under Platinum 52 illness option
EMI benefit applicable only for salaried insured persons

⚡ At a Glance

✅ Cashless Available

💚 Wellness Benefits

•Unlimited teleconsultations
•Preventive health check-up vouchers
•Doctor consultations on cashless basis

➕ Optional Add-ons

•HDFC ERGO Group OPD Care Add-on
•Doctor consultation cover
•Preventive health check-up vouchers

⚠️ Drawbacks

•No restoration benefit
•No maternity coverage
•No air ambulance benefit mentioned
•Angioplasty sub-limit capped at 25% of SI or INR 10 lakh
•Coverage linked strictly to loan products
•Critical illness and personal accident sections may terminate after full claim payout

🚫 Domiciliary Exclusions

•Non-medically necessary treatment
•Unproven or experimental treatment

🤖 AI Policy Analysis

Powered by InsureBuddy AI — Automatically analysed from official IRDAI documents.

Overall Verdict
A strong bundled protection solution for home loan borrowers combining long-term property cover with critical illness, personal accident and EMI support benefits. Best suited for salaried borrowers seeking integrated protection against medical and financial shocks.
Strength Level
Strong

Official Policy PDF

Download the official IRDAI-filed brochure from HDFC ERGO General Insurance Company Limited.

Download (1.3 MB)

InsureBuddy Score

66
Good Choice
Solid option in its category
Claim Settlement 90%
Coverage Quality 20%
Policy Terms 100%
Value for Money 75%
Network & Features 48%
Risk Level Low Risk (3/10)

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