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Shriram General · SGLHLIP26035V022425

Shriram General Shri Health Suraksha Insurance Policy

Shriram General Shri Health Suraksha Insurance Policy (IRDAI UIN SGLHLIP26035V022425) is an individual and family floater health insurance plan with sum insured from 0.5 lakh to 10 lakh (20 options). Pre-existing diseases are covered after 3 years.

Premiums depend on age, cover, city, health and the options you choose. Where the insurer published a premium, the figure shown is for the exact profile stated next to it; your premium will differ. Comparezi does not sell insurance or give advice: check the insurer's prospectus and policy wording, which prevail.

In short

Shriram General Shri Health Suraksha Insurance Policy is a health insurance plan from Shriram General. Key specifications: plan type Individual and family floater, room rent Up to 2% of the sum insured subject to maximum of Rs.5000/- per day (base), pre-existing disease waiting 36 months.

Sample premium ₹7,632 a year*

*For: Individual, age 26-30, Sum Insured 10 Lacs, 1-year, base premium table (Zone 1, 0% zone discount), no add-ons, excluding tax. Your premium will differ.

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Plan type
Individual and family floater
Room rent
Up to 2% of the sum insured subject to maximum of Rs.5000/- per day (base)
Pre-existing disease waiting
36 months
Sample annual premium
₹7,632

Cons

  • Shorter pre-hospitalisation cover than 85% of the 49 health insurance plans on Comparezi that state it (30 days)
  • Shorter post-hospitalisation cover than 85% of the 49 health insurance plans on Comparezi that state it (60 days)
  • Lower maximum sum insured than 90% of the 52 health insurance plans on Comparezi that state it (₹10 lakh)
  • Co-payment: 5% on each and every claim (base; waivable by add-on)

Who should avoid it

  • Not ideal for High sum insured available · What matters most? (pick any) #48 of 53
  • Not ideal for Longer pre- and post-hospital cover · What matters most? (pick any) #43 of 53

Full specifications

Cover

Plan type Individual and family floater
Sum insured options 0.5 lakh, 1 lakh, 1.5 lakh, 2 lakh, 2.5 lakh, 3 lakh, 3.5 lakh, 4 lakh, 4.5 lakh, 5 lakh, 5.5 lakh, 6 lakh, 6.5 lakh, 7 lakh, 7.5 lakh, 8 lakh, 8.5 lakh, 9 lakh, 9.5 lakh, 10 lakh
Highest sum insured 10 lakh
Entry age From 3 months (no maximum stated)
Room rent Up to 2% of the sum insured subject to maximum of Rs.5000/- per day (base)
Co-payment 5% on each and every claim (base; waivable by add-on)

Waiting periods

Initial waiting period 30 days
Pre-existing disease waiting 36 months

Benefits

Pre-hospitalisation 30 days
Post-hospitalisation 60 days
Day-care treatment Yes
AYUSH treatment Yes
Restore benefit Not in base policy; optional 'Restoration Benefit' add-on: restores unlimited times, maximum 100% of Sum Insured each time, for unrelated disease
No-claim bonus Cumulative Bonus 5% per claim free policy year up to maximum of 50% of sum insured, reduced at same rate on claim (or renewal discount option)
Maternity Not covered
OPD Not covered

Premium

Sample annual premium ₹7,632
Sample premium is for Individual, age 26-30, Sum Insured 10 Lacs, 1-year, base premium table (Zone 1, 0% zone discount), no add-ons, excluding tax

Insurer

Health incurred claim ratio (insurer) 74.55%
Claims figures for FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
Network hospitals (insurer) 15,000+
IRDAI UIN SGLHLIP26035V022425

About the Shri Health Suraksha Insurance Policy

Shriram General Shri Health Suraksha Insurance Policy (IRDAI UIN SGLHLIP26035V022425) is an individual and family floater health insurance plan with sum insured from 0.5 lakh to 10 lakh (20 options). Pre-existing diseases are covered after 3 years. It is one of 53 health insurance plans on Comparezi, from Shriram General.

Information only. Comparezi does not sell insurance, does not give advice and is not paid by insurers. The policy wording issued by the insurer prevails over this summary.

Cover and limits

  • Plan type: Individual and family floater
  • Sum insured options: 0.5 lakh, 1 lakh, 1.5 lakh, 2 lakh, 2.5 lakh, 3 lakh, 3.5 lakh, 4 lakh, 4.5 lakh, 5 lakh, 5.5 lakh, 6 lakh, 6.5 lakh, 7 lakh, 7.5 lakh, 8 lakh, 8.5 lakh, 9 lakh, 9.5 lakh, 10 lakh
  • Entry age: From 3 months (no maximum stated)
  • Room rent: Up to 2% of the sum insured subject to maximum of Rs.5000/- per day (base)
  • Co-payment: 5% on each and every claim (base; waivable by add-on)

Waiting periods

  • Initial waiting period: 30 days
  • Pre-existing diseases: 3 years

Benefits

  • Pre-hospitalisation: 30 days
  • Post-hospitalisation: 60 days
  • Day-care treatment: Covered
  • AYUSH treatment: Covered
  • Restore benefit: Not in base policy; optional 'Restoration Benefit' add-on: restores unlimited times, maximum 100% of Sum Insured each time, for unrelated disease
  • No-claim bonus: Cumulative Bonus 5% per claim free policy year up to maximum of 50% of sum insured, reduced at same rate on claim (or renewal discount option)
  • Maternity: Not covered
  • OPD: Not covered

How it compares on Comparezi

Of the 50 health insurance plans on Comparezi with a stated pre-existing disease waiting period, 9 have a shorter one and 40 have the same. Of the 49 health insurance plans on Comparezi with a stated post-hospitalisation period, 42 have a longer one and 6 have the same.

Premium

It depends on your age, cover, city and options. Shriram General's own published premium table gives ₹7,632 a year for this profile: Individual, age 26-30, Sum Insured 10 Lacs, 1-year, base premium table (Zone 1, 0% zone discount), no add-ons, excluding tax. Your premium will differ; get a quote from the insurer.

About the insurer

Shriram General's health incurred claim ratio was 74.55% in FY 2024-25 (IRDAI Annual Report; includes personal accident). An incurred claim ratio compares claims with premiums earned; it is not the share of claims paid. Shriram General states a network of 15,000+ hospitals.

Similar plans from other insurers

Sources

Checked 6 November 2026. Values the documents do not state are left out rather than estimated. See how Comparezi checks data.

Alternatives

Alternatives to the Shri Health Suraksha Insurance Policy

All health insurance →
  • Individual and family floater Plan type
  • 1% of SI per day (max Rs 7,500 for SI Rs 5-10 lakh; max Rs 10,000 for SI Rs 15 lakh and above) Room rent
  • 36 months Pre-existing disease waiting
Sample premium ₹7,722 a year*

Generali Central

Health Absolute - Classic

  • Individual and family floater Plan type
  • No sub-limit stated (Reasonable and Customary room rent, up to Sum Insured) Room rent
  • 24 months Pre-existing disease waiting
Sample premium ₹13,986 a year*

New India Assurance

Arogya Sanjeevani Policy

  • Individual and family floater Plan type
  • 2% of sum insured subject to maximum of Rs.5000/- per day Room rent
  • 36 months Pre-existing disease waiting
Sample premium ₹8,836 a year*

Head to head

Compare the Shri Health Suraksha Insurance Policy

Questions

Shri Health Suraksha Insurance Policy FAQs

It depends on your age, cover, city and options. Shriram General's own published premium table gives ₹7,632 a year for this profile: Individual, age 26-30, Sum Insured 10 Lacs, 1-year, base premium table (Zone 1, 0% zone discount), no add-ons, excluding tax. Your premium will differ; get a quote from the insurer.

SGLHLIP26035V022425. The UIN identifies the exact product version filed with IRDAI; check it on your policy documents.

3 years, as stated by the insurer.

Room rent as stated by the insurer: Up to 2% of the sum insured subject to maximum of Rs.5000/- per day (base).

Co-payment as stated by the insurer: 5% on each and every claim (base; waivable by add-on).

Maternity as stated by the insurer: Not covered.

30 days before and 60 days after hospitalisation.

0.5 lakh, 1 lakh, 1.5 lakh, 2 lakh, 2.5 lakh, 3 lakh, 3.5 lakh, 4 lakh, 4.5 lakh, 5 lakh, 5.5 lakh, 6 lakh, 6.5 lakh, 7 lakh, 7.5 lakh, 8 lakh, 8.5 lakh, 9 lakh, 9.5 lakh, 10 lakh.

Data sources

  • Manufacturer official pages

Last updated

Product details

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