Claims settlement is hassle free with less documents and turnaround time. Cumulative bonus: sum insured is increased by 5 % on every claim free renewal and it can be increase up to 50% on continuous claim free renewals. Income tax benefit can be availed under section 80D. Cost of health checkup up to 1% of sum insured will be paid on 4 consecutive claim free renewals. If two or more members are covered under individual health suraksha gold policy, then a discount of 10% can be availed on HDFC Health Insurance premium.