HDFC ERGO My:health Suraksha Plan

(3 Reviews)
Insurer Highlights

People trust Policybazaar^
6.7 crore
Registered consumers
Insurance partners
3.4 crore
Policies sold
Policybazaar is one of India's leading digital insurance platform


Find affordable plans from HDFC ERGO

Select members you want to insure

  • More Members
  • Back
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Maximum child sum can be 4
    This will help us calculate the premium & discounts for your family
    Previous step
    This will help us to find the network of Cashless Hospitals in your city

      Popular Cities

      Previous step
      Get to plans directly next time you visit us
      Please provide your active international number
      Previous step
      We will find you the plans that cover your condition.

      Do any member(s) have any existing illnesses for which they take regular medication?

      Get updates on WhatsApp

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium
      Advantages of entering an International Number
      Prompt connectivity
      Find the right plan in under 20 minutes
      Get best discounts
      Ensure smooth issuance

      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.

      Read More

      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


      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      Health insurance Articles

      • Recent Article
      • Popular Articles
      01 Jul 2024

      Surgeries Covered Under ICICI Lombard Health...

      Life can throw unexpected medical emergencies your way, making

      Read more
      27 Jun 2024

      Is LASIK Surgery Covered by ICICI Lombard Health...

      Waking up with a clear vision is a dream for many. LASIK surgery

      Read more
      21 Jun 2024

      Does ICICI Lombard Health Insurance Cover...

      Cataract surgery is an essential procedure for people seeking to

      Read more
      14 Jun 2024

      Father’s Day 2024: Gift Your Father Health...

      Father’s Day is celebrated every year on the third Sunday of

      Read more
      05 Jun 2024

      Does SBI Health Insurance Cover Dental Treatments?

      SBI General Insurance Company provides comprehensive coverage

      Read more

      How to Apply for Ayushman Bharat Pradhan Mantri...

      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal

      Read more

      10 New IRDAI Health Insurance Guidelines in 2024

      Health insurance penetration in India is far lower than it should be. A significant chunk of the Indian population

      Read more

      10 Major Benefits of Ayushman Bharat Yojana

      Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi

      Read more

      Best Health Insurance Plans for Senior Citizens

      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance

      Read more

      Does Health Insurance Provide Coverage for LASIK...

      A vast majority of the Indian population is suffering from vision problems. For some of them, LASIK eye surgery is

      Read more

      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:-

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker (Life & General)| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

      © Copyright 2008-2024 All Rights Reserved.

      Download the Policybazaar app
      to manage all your insurance needs.