Shriram Health Insurance Review Guide 2026

What if we told you a health insurer linked to Rahul Dravid’s trusted Shriram legacy is quietly putting together a solid innings in Bharat’s insurance space? Shriram General Insurance has quietly expanded its health portfolio to serve customers who prefer straightforward, budget-friendly plans.

Ditto experts analyzed claim performance, complaint trends, and financial data across 25 insurers, and Shriram did show potential in a few areas. But, like any cricket scorecard, the details matter.

Is Shriram Health Insurance a dependable pick for your family, or should you look at more established players?

Popular Shriram Health Insurance Plans

Shriram’s health products fall into two broad categories: fixed-benefit plans that pay a lump sum and indemnity plans that reimburse actual medical expenses.

A. Fixed / Benefit-Based Plans

These act as supplements and are not replacements for a full health insurance plan.

1. Shri Criti Care Insurance

• Pays a lump sum on diagnosis of up to 22 major critical illnesses listed in the policy.
• Sum insured ranges from ₹50,000 to ₹3 crore (subject to underwriting).
• Entry age: 18 to 65 years. Children above 5 years can be covered only if at least one parent is insured.
• Maximum renewal age: 70 years.
• Ideal for individuals who want an additional financial safety net against serious illnesses that may lead to loss of income.

2. Shri Hospital Daily Cash Benefit Insurance

• Gives a fixed daily cash benefit for each day of hospitalization, helps cover incidental costs (food, travel, attendant).
• Daily benefit ranges from ₹500–₹5,000/day, plan duration: 15–180 days (depending on variant).
• Requires a minimum 24-hour hospital stay; for maternity-related hospitalisation, a 2-year waiting period applies if a spouse is added.
• Ideal as a supplement to a standard health plan for those wanting added cash support during hospital stays.

3. Shri Ambulance Service for Hospital Assistance Insurance

• Covers or reimburses ambulance and emergency transport expenses when hospitalization is required.
• Helpful during emergencies, especially in regions where ambulance charges are high.
• Works as a supportive add-on to existing health insurance by reducing out-of-pocket transport costs.

4. Shri Vector Care Insurance

• Offers a lump-sum payout on diagnosis of covered vector-borne diseases such as dengue, malaria, and chikungunya.
• Sum insured options range from ₹10,000 to ₹75,000.
• Entry age: 91 days to 65 years.
• A good fit for families living in vector-prone regions who want low-cost protection during seasonal outbreaks.

B. Indemnity-Based Plan

This plan covers actual medical expenses and serves as health insurance.

1. Shri Health Suraksha Insurance

Its an indemnity-based hospitalization policy available for individuals and family floaters.)

The policy can cover adults aged 18 years and above, children from 91 days onwards, and family members, including the proposer, spouse, children, parents, and parents-in-law, with no upper entry age limit for adults.

The policy offers sum insured options of ₹5 lakh, ₹7.5 lakh, and ₹10 lakh.

Key Coverage (High-Level)

• In-patient hospitalization, including room charges, ICU, nursing, doctors’ fees, surgery, OT expenses, blood, oxygen and related costs
• Pre-hospitalization: Up to 30 days (60 days in the Value Pack)
• Post-hospitalization: Up to 60 days (90 days in the Value Pack)
• AYUSH treatments (Ayurveda, Yoga, Unani, Siddha, Homoeopathy) are covered up to the sum insured
• All daycare procedures requiring less than 24 hours of hospitalisation, with a separate cap for cataract
• Modern/advanced treatments covered up to 50% of the sum insured
• Road ambulance cover up to ₹2,000 per hospitalization
• Accident-related dental and plastic surgery treatments within the sum insured
• Cumulative bonus: 5% of SI added each claim-free year, up to 50%

Room Rent & ICU Limits

• Base Plan: Room rent is limited to 2% of the sum insured (maximum ₹5,000 per day) and ICU charges to 5% of the sum insured (maximum ₹10,000 per day).
• Value Pack: Room rent is allowed up to ₹10,000 per day, and ICU charges go up to ₹20,000 per day.
• Co-pay
  • The standard plan has a 5% co-pay applicable to all claims.
  • You can opt for a co-payment waiver add-on to remove this 5% co-pay.
• Waiting Periods:
  • A 30-day initial waiting period applies, except for accident-related claims, which are covered from day one.
  • Specific listed illnesses have a 24-month waiting period.
  • Pre-existing diseases are covered after a 36-month waiting period.

Note: This plan is not fully comprehensive. It includes a co-pay, disease-wise limits, room rent caps, a low cumulative bonus, no restoration benefit, and no option to reduce waiting periods.

Here are the sample premiums with a ₹10 lakh sum insured:

Here’s how it has fared over the past five years across key metrics.

Key Insight: Shriram shows improvement in claim settlement, but inconsistencies in ICR and complaint volumes remain noticeable. The business volumes (premiums collected) are also relatively low, as is common with any new product division.

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Ditto’s Take on Shriram General Insurance

Shriram General has only just stepped into the indemnity health insurance space, and its business scale and experience are still limited. The product is young, the numbers are small, and the track record is too early to judge. Until the insurer builds a more consistent footprint, buyers may find better stability and coverage depth with well-established insurers in the market.

Note: Shriram is not among Ditto’s partner insurers. This review relies entirely on publicly available data from the insurer and regulatory disclosures. Here’s how Ditto assesses insurers.