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HDFC ERGO My:Health Koti Suraksha Health Insurance

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HDFC ERGO Health Insurance
my:Health Koti Suraksha
Cashless Approval TAT45 mins Cashless Claim Processing
Claim Settlement Ratio100%
Network Hospitals12,000+
PED Coverage Starting From3 year
Special Benefits2X Cover from Day 1
Starting Premium Rs. 1090/month

About HDFC ERGO My:Health Koti Suraksha Health Insurance

my:Health Koti Suraksha is a medical insurance plan that comes with two sections of cover, namely hospitalisation cover and personal accident cover. You can choose from them, as per your requirements. In the Section A, you will be covered for home healthcare, domiciliary hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, road ambulance expenses, organ donor expenses, etc. Whereas in Section B, you will be covered for accidental death, permanent disablement, broken bones, temporary total disablement, chauffeur benefit, etc.

Apart from wide coverage features, the policy offers you further choice to extend the coverage by including optional covers. You can customize your My:Health Koti Suraksha Policy by choosing from several add on or optional covers such as Sum insured rebound, waiver of co-payment, cumulative bonus-booster, last rites, medical evacuation, etc. These differ with Section A and Section B. The policy offers you flexibility of paying premium on monthly, half-yearly, quarterly, and yearly premium. Also, the policy offers lifetime renewability benefits and the grace period for renewal is of 30 days from the due date.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Post-hospitalisation medical expenses incurred in 180 days after the hospitalisation
  • Domiciliary hospitalisation expenses
  • Day care procedures are covered under this plan.
  • Road ambulance cover
  • Alternative treatment and Organ donor expenses

What's Not Included

  • Abuse of drugs, alcohol, and other addictive substances
  • Expenses arising from HIV/AIDS
  • War, nuclear, chemical weapon and radiation
  • Treatment due to self-injury or attempt to suicide
  • Expenses related to non-allopathic treatment

9552 HDFC ERGO Cashless Network Hospitals in India

Choose HDFC ERGO Critical Illness Plan

Add-ons to Enhance Benefits

  • My:Health Critical Illness Add on

    The critical illness add-on cover ensures no dent on your savings. It covers you in case you get diagnosed with any of the listed critical illnesses.
  • My:Health Hospital Cash Benefit Add on

    The add-on cover of hospital cash provides you a lump sum amount daily in case of hospitalisation. You can use this amount as per your requirements.

Claim Process at HDFC ERGO Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on my:Health Koti Suraksha Health Insurance Plan

  • Are there any optional covers offered under My:Health Koti Suraksha Policy?

    Yes. Following are the optional covers available under Section A of My:Health Koti Suraksha Policy:

    • Non-medical expenses cover 
    • Aggregate deductible 
    • Emergency medical expenses 
    • Overseas treatment 
    • Waiver of disease capping
    • Waiver of room rent capping 
    • Waiting period modification option
    • Medical evacuation
    • Sum insured rebound 
    • Waiver of co-payment 
    • Cumulative bonus–Booster

    Following are the optional covers available under Section B of My:Health Koti Suraksha Policy:

    • Preventive health check-up
    • Last rites
    • Dependent children education benefit
    • Renewal premium benefit
    • Parental care benefit
    • Medical evacuation

     

  • What are the waiting periods under My:Health Koti Suraksha Policy?

    My:Health Koti Suraksha Policy comes with the following waiting periods: 

    • For all illnesses except accident: 30 days in the first year and is not applicable in subsequent renewals 
    • Specific illnesses and treatments: 24 months in the first two years and is not applicable in subsequent renewals
    • Pre-existing diseases: covered after a waiting period of 48 months.
  • Is the payment made on reimbursement basis or benefit basis, under My:Health Koti Suraksha Policy?

    Under My:Health Suraksha Policy, the payment is made on reimbursement basis for hospitalisation expenses, road ambulance expenses, domiciliary expenses, organ donor expenses, and alternative treatment; whereas on  benefit basis for accidental death, permanent disablement, temporary total disability, broken bones, burns, hospital cash, and add ons of critical illness and hospital daily cash.

  • What are the premium payment options available under My:Health Koti Suraksha Policy?

    The premiums for My:Health Koti Suraksha Policy can be paid on yearly, half-yearly, quarterly, and monthly installments. 

  • What are the renewal benefits offered under My:Health Koti Suraksha Policy?

    Following are the renewal benefits under My:Health Koti Suraksha Policy: 

    • Preventive health check-up
    • Fitness discounts at the time of renewal
    • Health incentives
    • Wellness services
    • Cumulative bonus for every claim-free year

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