NewKerala.com

Shriram Health Suraksha 2.0 Launches with No Room Rent Caps, Unlimited Cover

Shriram General Insurance has launched Shri Health Suraksha 2.0, an enhanced indemnity health plan designed to address gaps in traditional coverage. The policy removes standard room rent caps and introduces an unlimited restoration benefit for the sum insured within a policy year. It features a zero co-payment structure and covers expenses for ambulances, including air ambulances, up to the sum insured. The plan also integrates coverage for AYUSH treatments and rewards claim-free years with a cumulative bonus of up to 250%.

Key Points: Shriram Health Insurance 2.0: No Room Rent Caps, Unlimited Restoration

  • Unlimited sum insured restoration
  • No capping on room/ICU rent
  • Zero co-payment structure
  • Covers ambulance & air ambulance
2 min read

Shriram General Insurance launches 'Shri Health Suraksha 2.0'

Shriram General Insurance launches enhanced health plan with unlimited sum insured restoration, no room rent capping, and zero co-payment for complete coverage.

"We have intentionally stripped away common industry restrictions... to provide a product that is truly dependable. - Anil Aggarwal"

Mumbai, March 13

In response to evolving healthcare needs, Shriram General Insurance Company announced the launch of Shri Health Suraksha 2.0, an enhanced health insurance suite engineered for greater flexibility and 'all-inclusive' protection.

The Company says, this indemnity plan addresses critical gaps in traditional coverage by removing standard caps on room charges and adding unlimited restoration benefits. The policy also introduces a higher cumulative bonus and covers not only ambulance, but Air ambulance expenses up to the sum insured opted.

Shri Health Suraksha 2.0 integrates modern medical procedures with traditional AYUSH treatments. The plan is designed to eliminate out-of-pocket stress for policyholders through a "No Co-payment" structure and expanded coverage for medical consumables.

Key Features of Shri Health Suraksha 2.0:

- Unlimited Restoration Benefit: Automatically restores the sum insured an unlimited number of times within a policy year.

- Cumulative Bonus up to 250%: Rewards claim-free years with significant increases to the base sum insured.

- No Room Rent Capping: Removes limits on Room and ICU charges, allowing patients to choose facilities based on need rather than budget.

- Zero Co-payment: Ensures the insurer handles the full admissible claim amount without mandatory cost-sharing by the insured.

- Ambulance plus: Includes coverage of ambulance and air ambulance expenses up to sum insured

- Consumables coverage

Anil Aggarwal, MD & CEO of Shriram General Insurance said, "Shri Health Suraksha 2.0 represents a strategic leap in our retail health portfolio. We have intentionally stripped away common industry restrictions like room rent caps and co-pays to provide a product that is truly dependable. Our goal is to ensure families remain financially resilient even as medical inflation continues to climb."

According to company information, Shriram General Insurance Company (SGIC), jointly owned by Shriram Group and Sanlam Group, South Africa, offers a complete range of general insurance products, ranging from motor, home, personal accidents and health in the retail space and customized products like fire, engineering, and marine insurance solutions. Shriram General Insurance manages assets worth ₹14,249 Cr across with 69 lakh live policies. The company operates 285 branches with an employee strength of 4,219 across India, as of 31st December 2025.

- ANI

Share this article:

Reader Comments

A
Anil K
Good to see AYUSH treatments being covered. In our family, we often prefer Ayurvedic treatments for chronic issues. Integrating that with modern medicine coverage makes the policy more holistic and suited to Indian healthcare practices.
R
Rohit P
The unlimited restoration benefit and 250% cumulative bonus look impressive on paper. But the real test will be in the claim settlement ratio and the ease of the process. I hope the service matches the promises made in the brochure.
S
Sarah B
Air ambulance coverage is a critical feature, especially for those in tier-2/3 cities or remote areas where advanced medical facilities might be far. This could be lifesaving. A very thoughtful inclusion.
K
Karthik V
While the features are great, the premium will be the deciding factor for most middle-class families. Medical inflation is a real concern, but so is the affordability of such comprehensive plans. Hope they have sensible pricing tiers.
M
Meera T
Zero co-payment is a big relief. Many insurers force cost-sharing, which defeats the purpose of insurance during a medical emergency when finances are already strained. Kudos to Shriram for listening to customer pain points.

We welcome thoughtful discussions from our readers. Please keep comments respectful and on-topic.

Leave a Comment

Minimum 50 characters 0/50