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HDFC ERGO my:health Suraksha Health Insurance

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HDFC ERGO Health Insurance
my: health 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 Suraksha Health Insurance

When it comes to health insurance plans, my: health Suraksha Policy by HDFC Ergo is an option you can’t shun easily. It is a plan that offers multiple sum insured options ranging from Rs. 3 Lakh to Rs. 75 Lakhs and is available under three variants named as Silver Smart, Gold Smart & Platinum Smart Plans. As the name suggests, this plan is designed to provide protection to people with any age entry option and lifetime renewability. The policy is available with comprehensive benefits at competitive premiums with an option to pay a yearly premium in 3, 6 and 12 equal installments. The long-term medical insurance policy option up to 3 years with an attractive premium rate is also offered under this plan.

For delivering proper and comprehensive coverage to its policyholders, the plan delivers several features like in-patient hospitalisation, pre and post hospitalisation, domiciliary hospitalisation, daycare treatment, and so on. Besides these benefits, the plan holds some beneficial elements to offer as well which comprise Exclusive covers like Air ambulance cover, Recovery benefit, Infertility cover and Wellness features like fitness discount during renewal, Health incentives for maintenance of health. Also, Flexi benefits like choosing room rent capping and co-pay to avail discounts on premium. Some discount options are also offered like a family discount, long-term policy discount, and loyalty discount.

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Key Inclusions and Exclusions of the Plan

What's Included

  • In-patient hospitalisation cover
  • Pre and post hospitalisation cost
  • Coverage for organ donor expenses
  • Expenses incurred on road ambulance
  • Availability of sum insured rebound option

What's Not Included

  • Treatment of intentional or self-injury
  • Plastic surgery or cosmetic surgery cost
  • Treatment related to pregnancy, miscarriage etc.
  • Treatment of obesity and weight control program
  • Experimental or unproven treatments

9552 HDFC ERGO Cashless Network Hospitals in India

Choose HDFC ERGO Critical Illness Plan

my: health Suraksha User Reviews

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Add-ons to Enhance Benefits

  • Parent and Childcare Cover – Booster

    Under this optional cover, the plan pays for the expenses arising out of pregnancy, infertility treatment and childbirth. This offering is segregated under three parts:

    • Parent Care – This benefit comprises the coverage of maternity costs, OPD treatment and infertility-related expenses 
    • Child Care – Under this section, newborn baby cover and vaccination charges are involved 
    • Waiting Period Modification Option – Here, the cover offers the option to modify Waiting Period for Parent and Child Care Booster to 3 years
  • Non-Medical Expenses Cover

    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. 

     

  • Extended Cumulative Bonus

    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. 

     

  • Room Rent Modification Option

    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.

     

HDFC ERGO my: health Suraksha Expert Review

  • Expert Review

    With an abundance of benefits, this plan has the ability to avert any monetary crisis during a medical emergency. The my: health Suraksha Policy attains the coverage features like in-patient treatment expenses, pre and post hospitalisation costs, road and air ambulance fare coverage, daycare procedures, domiciliary hospitalisation, and so on. Its diverse range of offerings never let the policyholders worry about the medical expenses. The customers are also provided with optional covers that can be enjoyed by paying a little extra premium which comprises Parent and Childcare Cover – Booster, Non-Medical Expenses cover, Extended Cumulative Bonus, Room Rent Modification Option.

    This my: health Suraksha Plan is a plan for individuals as well as families. It is available in 3 different variants and committed to offering coverage to Self, Spouse, Dependent Children and Dependent Parents and Dependent Parents-in-law and many other relations within the sum insured amount ranging from Rs. 3 Lakh to Rs. 75 Lakh. This wide range of coverage is a huge benefit for people. This policy can be issued for 1 year, 2 years and 3 years which not only offer a hassle-free coverage but also make the customers gain a lot of profits in the form of discounts like Family Discount, Loyalty Discount and Long Term Policy Discount. In short, it has everything a policyholder can desire. 

  • Major Attractions

    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
  • What’s More?

    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
  • Conclusion

    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.

HDFC ERGO my: health Suraksha Brochure

  • 3.03 MB
  • PDF Document
  • Oct 29, 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 Suraksha Health Insurance Plan

  • What are the sum insured options available under my: health Suraksha Policy?

    The my: health Suraksha Policy offers the sum insured options on an individual and family floater basis. The SI ranges between Rs. 3 Lakh to Rs. 75 Lakh under both types of policies. 

  • 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 25 years. 

     

  • Who all can get the coverage under this my: health Suraksha Policy?

    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.  

     

  • How many types of policies are offered under my: health Suraksha Plan?

    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
     

  • What is the policy period or coverage term applicable under this health plan?

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

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