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HDFC ERGO my:health Suraksha Health Insurance Wordings

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Highlights
Claim Settlement Ratio86.52%
COVID-19 CoverYes
In-House Claim SettlementAvailable
Network Hospitals10,000+
Policies Sold10,66,395
Renewability Lifelong Renewability

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HDFC ERGO my: health Suraksha Brochure

  • 3.03 MB
  • PDF Document
  • Oct 29, 2019

HDFC ERGO Health Insurance Plan List

    Name of PlanSum Insured
    Optima SecureMin: 91 Days, Max: 65 Years Get Quotes Now
    Optima RestoreMin: 91 Days, Max: 65 Years3 Lakh Get Quotes Now
    Corona Kavach PolicyMin: 1 day ; Max: 65 years50,000 - 5 lakh Get Quotes Now
    my: health SurakshaMin: 91 Days; Max: No Limit3 Lakh Get Quotes Now
    Health Suraksha Top-Up Plus PolicyMin: 91 days; Max: 65 years3 Lakh - 10 Lakh Get Quotes Now
    my:Health Women Suraksha PolicyMin: 18 years; Max: 45 years1 Lakh - 1 Crore Get Quotes Now
    Dengue Care Policy Min: 91 Days; Max: 65 years50 Thousand - 1 Lakh Get Quotes Now
    Easy Health PolicyMin: 91 days; Max: 65 years1 Lakh - 50 Lakh Get Quotes Now
    my:Health Koti SurakshaMin: 18 years; Max: 65 years Get Quotes Now
    Maxima PolicyMin: 91 Days; Max: 65 years Get Quotes Now
    Day2Day Care PolicyMin: 91 Days; Max: 65 years Get Quotes Now
    iCan CancerMin: 5 Years; Max: 65 Years5 Lakh Get Quotes Now
    Health WalletMin: 91 Days; Max: 65 Years3 Lakh Get Quotes Now
    EnergyMin: 18 Years, Max: 65 Years2 Lakh Get Quotes Now
    Optima SeniorMin: 61 Years; Max: No Limit 2 Lakh Get Quotes Now
    Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years1 Lakh - 5 Lakh Get Quotes Now
    Critical Illness PlanMin: 5 Years; Max: 65 Years 5 Lakh Get Quotes Now

    HDFC ERGO Health Insurance Top Up List

      Name of PlanSum Insured
      my: Health Medisure Super Top-upMin: 3 Months; Max: 65 Years3 Lakh Get Quotes Now
      Optima SuperMin: 91 Days; Max: 65 Years5 Lakh Get Quotes Now

      1957 HDFC ERGO Cashless Network Hospitals in India

      Choose HDFC ERGO Critical Illness Plan

      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.

      • In how many variants this health insurance plan available?

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

      • Does this policy offer any discount to its policyholders?

        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

         

      • Can I pay the premium of my: health Suraksha Policy in instalments?

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

         

      • Is there any option available for the coverage of alternative treatments?

        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.

         

      • Does my: health Suraksha Policy offer any optional cover?

        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. 

      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.

      HDFC ERGO Health Insurance Contact Details

      Reach us for help anytime