HDFC ERGO My:health Suraksha Plan

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      HDFC ERGO My:health Suraksha Plan

      HDFC ERGO My:health Suraksha is a comprehensive mediclaim policy that offers coverage for a wide range of medical expenses. It not only covers the cost of hospitalization and domiciliary treatments but also pays for mental healthcare, OPD expenses, infertility treatment and 11 major illnesses. Additionally, it comes with a few attractive benefits, such as global health cover, non-medical expenses cover, recovery benefit, preventive health check-ups, etc.

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      HDFC ERGO My:health Suraksha Plan: Key Highlights

      Categories Specifications
      Sum Insured Rs 1 lakh to Rs 5 crore
      Policy Tenure 1 year, 2 years, 3 years
      Plan Types Silver Smart, Gold Smart and Platinum Smart
      Incurred Claim Ratio (2021-22) 97.47%
      Pre-Policy Medical Check-ups May be required depending on the age and sum insured
      Pre-existing Diseases Waiting Period 4 years
      Discount 10% Family discount
      5% Online policy discount
      Up to 10% Long term policy discount
      10% Loyalty discount

      Benefits of HDFC ERGO My:health Suraksha Plan

      The HDFC ERGO my:health Suraksha plan comes with the following key benefits:

      1. Global Hospitalization

      This HDFC ERGO health insurance policy covers the cost of hospitalization worldwide, provided this benefit has been opted for at the time of policy purchase.

      2. Preventive Health Check-ups

      Policyholders can avail preventive health check-up facilities after every 4 consecutive claim-free years.

      3. Cumulative Bonus

      The HDFC ERGO General Insurance Company will pay a cumulative bonus of 5% on every renewal if no claims have been raised in the previous policy year.

      4. My:health Active Benefit

      Policyholders can avail my:health Active benefit under this policy in the form of a health coach, fitness discount on renewal, health incentives and wellness services.

      5. Tax Benefits

      The premium paid to buy an HDFC ERGO my:health Suraksha plan can be used to avail tax benefits under Sec 80D of the Income Tax Act.

      HDFC ERGO My:health Suraksha Plan Eligibility Criteria

      Take a look at the eligibility criteria to buy an HDFC ERGO my:health Suraksha plan:

      Parameters Eligibility Criteria
      Minimum Entry Age Adult – 18 years
      Child – 91 days
      Maximum Entry Age Adult – No age limit
      Child – 25 years
      Coverage Type Individual/ multi-individual/ family floater
      Renewability Lifetime

      Inclusions of HDFC ERGO My:health Suraksha Plan

      The following medical expenses are included in an HDFC ERGO my:health Suraksha plan:

      • In-patient Hospitalization – It pays for the medical costs resulting from a hospitalization of at least 24 hours, including room rent, diagnostic procedures costs, ICU charges, medicine costs, etc.
      • Mental Healthcare – It covers the healthcare expenses incurred on hospitalization due to mental illnesses.
      • Home Healthcare – It pays for the medical expenses arising from home hospitalization to treat an illness on the advice of a qualified doctor.
      • Domiciliary Hospitalization – It covers the cost of domiciliary hospitalization taken at home on the advice of a qualified doctor if hospital admission is not possible.
      • Pre-hospitalization Cover – It pays for healthcare expenses incurred at least 60 days before hospitalization.
      • Post-hospitalization Cover – It covers the cost of follow-up consultations and diagnostic services for a maximum of 180 days after hospital discharge.
      • Day Care Procedures – It pays for the cost of day care procedures and treatments requiring hospitalization of less than 24 hours.
      • Road Ambulance Cover – It covers the medical costs of availing road ambulance services to transport the insured patient to the hospital.
      • Organ Donor Expenses – It pays for the medical expenses incurred on harvesting a donated organ for the transplant surgery of the insured.
      • Alternative Treatment Hospitalization Expenses – It covers the cost of hospitalization incurred at a recognized AYUSH hospital.

      Optional Covers:

      • Preventive Health Check-up – Booster – It enables the insured to avail preventive health check-up facilities every year regardless of the claims made under the policy.
      • Parent and Child Care Cover – Basic – It pays for the maternity expenses incurred by the insured, including pre-natal & post-natal expenses and newborn baby expenses.
      • Parent and Child Care Cover – Booster – This HDFC ERGO health insurance provides the coverage available under ‘parent & child care cover – basic’ along with infertility treatment cover and newborn baby vaccination cover.
      • Air Ambulance Cover – It pays for the cost of ambulance transportation in a helicopter or aeroplane for emergency medical assistance on the advice of a qualified doctor.
      • Recovery Benefit – It provides a lump sum amount if the insured is hospitalized for more than 10 consecutive days.
      • Sum Insured Rebound – It restores the sum insured to the original amount after a claim has been paid. However, this cover is available for policies of more than 1 year.
      • Outpatient Dental Treatment – It pays for the medical expenses incurred on dental treatment availed at an OPD basis, including tooth extraction, root canal treatments, X-rays, composite fillings, etc.
      • External Medical Aids – It covers the medical expenses incurred on buying a pair of spectacles, contact lenses or a hearing aid.
      • Major Illness Hospitalization Expenses – It pays for the cost of hospitalization resulting from any of the 9 listed major illnesses, including cancer and stroke.
      • Non-Medical Expenses Cover – It provides coverage for non-medical expenses incurred during the hospitalization of the insured.
      • Waiting Period Modification Option – It reduces the waiting period applicable on pre-existing disease coverage from 48 months to 36 months/ 24 months.
      • Extended Cumulative Bonus – It increases the percentage of cumulative bonus offered under the policy from 5% to 10%/25%/50% for every claim-free year.
      • Room Rent Modification Option – It modifies the hospital room rent limit to 1% of the sum insured and the ICU limit to 2% of the sum insured. This enables the insured to get a discount on the premium.
      • Co-Payment – It levies a mandatory co-payment of 10%/15%/20%/25% on all claims as chosen by the policyholder to reduce the premium amount.
      • Major Illness – Benefit – It pays a lump sum amount if the insured is diagnosed with any of the 11 listed major illnesses for the policy year. However, the coverage is subject to a survival period of 30 days.
      • E-Opinion – It covers the cost of availing second medical opinion from a qualified doctor for any of 11 major illnesses.
      • Hospital Cash – It provides a daily cash benefit of Rs 500 to Rs 2500 per day to the insured for each day spent in a hospital. The coverage is available for up to 30/60 days.
      • Global Health Cover – It pays for the medical expenses incurred outside India, including hospitalization, ambulance services, day care procedures, etc.

      Exclusions of HDFC ERGO My:health Suraksha Plan

      The HDFC ERGO my:health Suraksha plan excludes the following:

      • Treatments to control obesity
      • Hospitalization due to alcohol or drug abuse
      • Cosmetic or plastic surgery
      • Sterility and infertility
      • Hospitalization due to adventure sports
      • Investigative and unproven treatments
      • Hospitalization due to breach of law

      HDFC ERGO my:health Suraksha Plan Waiting Periods

      Check out the various waiting periods for the HDFC ERGO my:health Suraksha policy:

      Category Waiting Period
      Initial Waiting Period 30 days
      Specific Illness Waiting Period 24 months
      Pre-existing Diseases Waiting Period 48 months
      Parent and Child Care Cover (Basic & Booster) Waiting Period 48 months
      Outpatient Dental Treatment Waiting Periods 36 months
      External Medical Aids Waiting Periods 24 months
      Major Illness Waiting Period 90 days


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