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HDFC ERGO my:Health Medisure Classic Health Insurance

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HDFC ERGO Health Insurance
my:Health Medisure Classic
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 Medisure Classic Health Insurance

HDFC Ergo my: Health Medisure Classic Plan is suitable for people who are seeking a wide health coverage with smooth medical services. Selecting this policy will provide a protective cover that can easily lessen the monetary burden arising due to unpredictable medical contingencies without compromising on the quality of treatment. Among numerous benefits which are delivered under this plan, maternity coverage with the cover for a newborn baby is a major one that can only be availed after 4 years of continuous coverage. Also, Rs. 500 per day from 4th to 10th day is given when hospitalisation exceeds 3 continuous days in the form of hospital cash.

This medical insurance policy offers coverage for people above the age of 3 months. The policy has no restrictions pertaining to the age of exit as it comes with lifelong renewability. HDFC Ergo my: Health Medisure Classic provides coverage for pre hospitalisation for 30 days, post-hospitalisation for 60 days, inpatient treatment, alternative treatment, daycare procedures, hospitalisation due to an accident, domiciliary hospitalisation, and so on. In addition to its inbuilt benefits, some optional covers are also given under this plan comprising Double Sum Insured for Critical Illness and Waiver of Room Rent Sub-limits, which can be enjoyed on the payment of an additional premium.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Daycare procedures are covered up to the amount of sum insured
  • New-born baby covered for a period of 90 days from date of birth
  • Maternity cover is offered for normal and cesarean section delivery
  • Coverage for Ayurveda treatment is provided for up to Rs. 25000 yearly
  • Pre and post hospitalisation expenses are insured for 30 days and 60 days

What's Not Included

  • Injuries occurred due to the participation in adventure sports
  • Cosmetic procedures related to weight loss or any other treatment
  • Sexually transmitted diseases or venereal ailments are not covered
  • Injuries caused due to warlike operations, riots, civil war, and so on
  • Self-inflicted wounds and injuries resulted from suicidal attempts, etc.

9552 HDFC ERGO Cashless Network Hospitals in India

Choose HDFC ERGO Critical Illness Plan

my:Health Medisure Classic User Reviews

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What users are saying
  • All
  • Easy to compare policies

    Insurance Dekho is an easy to use portal with several health insurance plans available. I bought the HDFC ERGO- my: Health Medisure Classic from them and paid the premium via a secured payment gateway. Before buying it, I compared it with other similar plans and bought it as it was the most suitable option.

    J
    By Jatin Rautela
    On: Aug 02, 2023
  • Finest Health Insurance Compan...

    Had a marvelous experience with Insurance Dekho. In my opinion, this is the best platform where you can choose and buy health insurance plans conveniently. I recently bought the HDFC ERGO- my: Health Medisure Super Top-Up from their website. Every step in the process was super-cool. InsuranceDekho needs more people like us to share their amazing experiences and grow unexpectedly. I loved the services!

    A
    By Ananya Lahori
    On: Jul 17, 2023
  • Encrypted payment portal

    The payment portal on InsuranceDekho is totally encrypted. It convinced me to disclose my credit card details without any worries. I paid for the renewal of my HDFC Ergo General Insurance’s my:Health Medisure Classic plan. It did not involve any hidden charges.

    S
    By Sonakshi Ramanathan
    On: Mar 01, 2021
  • Simple policy purchase

    Purchasing HDFC Ergo General Insurance’s my:Health Medisure Classic from InsuranceDekho was simple. I generated my quotes and started to compare the premium rates using the premium calculator. I found the most befitting one and paid for it using my debit card.

    A
    By Angira Banik
    On: Feb 22, 2021
  • All-time accessible

    The all-time digital presence of InsuranceDekho is remarkable. Nowadays, physically being present to avail insurance-related services is not worth considering. I loved how I could issue HDFC Ergo General Insurance’s my:Health Medisure Classic plan from the comfort of my own home.

    L
    By Leena Bajpeyi
    On: Feb 01, 2021

Add-ons to Enhance Benefits

  • Double Sum Insured for Critical Illness

    Under this component, the Sum Insured amount gets doubled, if any insured member is diagnosed with some listed critical illness like Cancer, Kidney Failure, First Heart Attack, Stroke and so on. This empowers the policyholder to combat against life-threatening diseases. The option can be availed only up to the age of 65 years and for Sum Insured of 2 Lakh and above on payment of additional premium.

  • Waiver of Room Rent Sub-limits

    On choosing this add-on feature, the sub-limit applied on the room rent as well as ICU expenses are waived off. With this feature, one can end the restrictions of room rent expense coverage and can opt for any desired room without any limitation by paying an additional premium.

HDFC ERGO my:Health Medisure Classic Expert Review

  • Expert Review

    my: Health Medisure Classic Insurance is HDFC ERGO’s solution to ensure superior health insurance during medical emergencies. Through this plan, the insurer promises to be there in the hour of need and fulfils the same by offering every possible benefit to promote smooth medical treatment without letting any financial pressure sink in. That being said, if you have been looking for an affordable health insurance plan that doesn't let money slip through your fingers, consider my: Health Medisure Classic Insurance is highly recommended.

    While the minimum age of coverage offered under my: Health Medisure Classic Insurance is 90 days, there is no restriction on the maximum entry age. It is an extremely convenient and reliable plan which is available on both, individual and family floater basis. Under the family floater basis, the plan allows coverage for your spouse and 2 dependent children up to the age of 23 years, under a single policy and single sum insured. Lastly, its sum insured ranges between Rs. 1 Lakh to Rs. 5 Lakh.

  • Major Attractions

    my: Health Medisure Classic Insurance is the ultimate combination of distinct benefits that work in the favour of one and all, regardless of the age factor. HDFC ERGO’s affordable base plan takes care of various healthcare and hospitalisation aspects of their policyholders by covering medical expenses. my: Health Medisure Classic Insurance continues to be the perfect choice to go for by offering benefits such as:

    • In-patient hospitalisation costs
    • Pre and post hospitalisation expenses
    • Availability of many daycare procedures
    • Domiciliary hospitalisation cover is offered
    • Maternity and New-born baby coverage is given
    • Coverage for persons above the age of 80 years with 10% co-pay
    • Ambulance charges are covered up to Rs. 1,500 per hospitalization
    • Coverage of pre-existing diseases after 36 months of continuous coverage

     

  • What’s More?

    Through its various benefits, my: Health Medisure Classic Insurance offers optimum medical protection without allowing financial instability. However, the elements that make the plan complete and ready to go for include:

    • Lifelong renewal of the policy
    • Entry age is allowed for lifetime
    • Recovery Benefit of Rs. 5,000 is offered, when hospitalisation exceeds 10 continuous days or more.
    • Tax exemption on the premium paid under Section 80D of the Income Tax Act
    • Family discount of 10% on the total premium payable on covering more than two family members
    • 5% discount on opting two-year policy option and paying a combined premium for both the years
  • Conclusion

    Last but not least, the plan doesn’t require applicants up to 50 years of age to undergo checkups prior to policy purchase. To conclude, my: Health Medisure Classic Insurance doesn’t give a single reason to one to look for other alternatives and thus, comes across as the ideal choice.

    If my: Health Medisure Classic Insurance fits your needs, invest in it without giving it a second thought. The plan will meet your expectations without letting you face disappointment. Buying it online will be a better choice so that it gets issued sooner and maintains transparency related to terms and conditions. Additionally, buying the policy from InsuranceDekho will provide you with support in terms of policy portability, claim settlement, and other benefits, without leaving any scope for the inconvenience.

HDFC ERGO my:Health Medisure Classic Brochure

  • 301.32 KB
  • PDF Document
  • Oct 31, 2019

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 Medisure Classic Health Insurance Plan

  • What are the sum insured options offered under this plan?

    The my: Health Medisure Classic Plan offers the sum insured options on an individual and a family floater basis. The SI ranges between Rs. 1 Lakh to Rs. 5 Lakh under the individual plan and between the range of Rs. 2 Lakh and Rs. 5 Lakh under the floater policy. Under both the sections, the SI is available in the multiples of 1 Lakh.

  • What are the entry and exit age applicable under this health insurance plan?

    The policy has the entry age of 18 years with no exit age. However, it provides coverage for dependent children from the age of 3 months to 18 years. 

  • Does my: Health Medisure Classic Plan offer any discount to its customers?

    Yes, if you opt for individual sum insured option to cover more than 2 family members instead of family floater option, a family discount of 10% on the total premium payable. The family discount will be available for a maximum of 6 persons only.

  • Is there any requirement for a pre-policy check-up to buy my: Health Medisure Classic Plan?

    Yes, for the age group, 51-65 years (age last birthday as at policy inception date), the Individuals would be required to undergo pre-acceptance medical tests  - Medical Examination Report, Treadmill Test, Lipid Profile, HbA1C, Serum Creatinine, Complete Blood Count, Urinalysis.

  • Is there any availability of co-payment option under this health insurance plan?

    Yes, the insured members above the age of 80 years will have to bear a co-pay of 10% for each and every claim. 

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