*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
Who would you like to insure?
Do you have an existing illness or medical history?
This helps us find plans that cover your condition and avoid claim rejection
What is your existing illness?
Select all that apply
When did you recover from Covid-19?
Some plans are available only after a certain time
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.
|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
The HDFC ERGO my:health Suraksha plan comes with the following key benefits:
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.
Policyholders can avail preventive health check-up facilities after every 4 consecutive claim-free years.
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.
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.
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.
Take a look at the eligibility criteria to buy an HDFC ERGO my:health Suraksha plan:
|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|
The following medical expenses are included in an HDFC ERGO my:health Suraksha plan:
The HDFC ERGO my:health Suraksha plan excludes the following:
Check out the various waiting periods for the HDFC ERGO my:health Suraksha policy:
|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|
12 Sep 2023The cost of healthcare has risen threefold in the last decade
06 Sep 2023With technological advancements in India, the health insurance
23 Aug 2023Health emergencies come without a warning. Usually, people realize
11 Aug 2023In the world we live today, diseases are spreading like wildfire
26 Jul 2023Delhi witnessed its first flood in 45 years due to incessant rains