HDFC ERGO my:health Suraksha Health Insurance

Under this add-on coverage, the plan pays for non-medical expenses on the hospitalisation of insured person for all admissible claims as per the policy. As this is an optional cover, the proposer is required to pay an additional premium to avail this coverage. 

This cover provides the option to enhance cumulative bonus cover. However, once it is opted for, it cannot be opted out at subsequent renewal. This benefit can be availed by just paying a little extra premium amount. 

On availing this option by paying a little extra premium amount, the specified limits will be modified for hospitalisation in the following manner:

• Room Rent, Boarding & Nursing – Limit of 1% of the basic sum insured subject to a maximum of Rs. 5,000 per day.
• Intensive Care Unit – Limit of 2% of the basic sum insured subject to a maximum of Rs. 10,000 per day.

The my: health Suraksha Policy delivers almost every possible medical coverage to its customers. It offers so many features which makes the customers very less to complain about and much more to enjoy. Due to the inclusion of a bunch of benefits, this plan is considered a centre of attraction when compared with the offerings of the other insurers. Here are some of the components which make this policy a worthwhile insurance product:

• In-patient hospitalisation cover
• Pre and post hospitalisation cost
• Coverage for organ donor expenses
• Cover for daycare procedure is available
• Coverage for alternative treatment is given
• Availability of road and air ambulance cover
• Availability of sum insured rebound option
• A cover is offered for domiciliary hospitalisation

The my: health Suraksha Policy is equipped with so many features, but its offerings doesn’t cease here only. It owns some additional components as well which increases its demand in the market among the customers. Here is a checklist of some of those benefits:

• 15 days free look period is available
• Long term policy discount is provided   
• Family and loyalty discounts are offered
• Availability of lifelong renewability option
• Tax benefits can be gained on the premium

This my: health Suraksha Policy is a combination of benefits and affordability. It tends to deliver its customers with both of these aspects. Apart from offering in-built beneficial elements, this plan tries to present some more features as add-ons such as maternity, newborn baby cover, and OPD treatment, etc. to allow customers enjoy every medical benefit in this policy only.  
 
Make the purchase for this health policy from insurancedekho.com. It will certainly make you experience an easy and smooth method of purchase. The team of InsuranceDekho is always indulged in providing customers with different types of support with commitment and dedication.

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 25 years. 

The plan allows the coverage for different relations under an individual as well as a family floater policy. Family members who can get covered under the individual plan of this plan include Proposer, Spouse, Dependent Children, Dependant Parents, Dependent Parents-in-law, Grand Mother, Grand Father, Grand Son, Grand Daughter, Daughter-in-law, Son-in-law, Sister, Brother, Sister-in-law, Brother-in-law, Nephew, and Niece. Whereas, under the family floater option, Self, Spouse, Dependent Children and Dependent Parents and Dependent Parents-in-law can be covered.  

There are two types of plans available under this policy which are as follows:

A) Individual Sum Insured Option under the base policy and my: health Critical Illness Add-on
B) Floater Sum Insured Option under the base policy and my: health Hospital Cash Benefit Add on
 

This my: health Suraksha Policy can be issued for 1 year, 2 years and 3 years.

The my: health Suraksha Policy is available in three variants that comprises of Silver Smart, Gold Smart & Platinum Smart Plans. 

Yes, the plan provides several types of discounts to its customers such as:

• Family Discount - Under this discount provision, a discount of 10% on the premium shall be offered if 2 or more of any of eligible family members are covered under an individual sum insured policy with the company.
• Loyalty Discount - If insured has purchased policies for more than 1 product, a 2.5% discount of my: health Suraksha premium is offered.
• Long term policy discount - A discount of 7.5% and 12.5% shall be offered on premium, in case a policy is purchased for 2-year and 3-year tenure respectively with Annual Premium Payment option

Yes, the plan allows the option of premium payment on a monthly, quarterly, half-yearly and annual basis. 

Yes, the plan will be paying for the medical expenses on the hospitalisation of insured person for some alternative treatments prescribed by a medical practitioner such as Ayurvedic, Unani, Siddha, and Homeopathy.

Yes, my: health Suraksha Policy provides some optional covers to its customers such as Parent and Child Care Cover – Booster, Non-Medical Expenses cover, Extended Cumulative Bonus, Room Rent Modification Option and Co-Payment.