HDFC ERGO - my: Health Suraksha

my: Health Suraksha is a comprehensive health insurance plan offered by HDFC ERGO. This plan aims at providing 360 degree protection against soaring medical expenses and is designed specifically for individual, families and senior citizens.

my: Health Suraksha Plans

This plan is available in three variants - Silver Smart, Gold Smart and Platinum Smart.

All information has been sourced from the official website of HDFC ERGO.

my: Health Suraksha Silver Smart Plan

Sum Insured
  • Sum Insured Silver Smart - Rs. 3, 4 & 5 lakhs
  • Gold Smart - Rs. 7.5, 10 & 15 lakhs
  • Platinum Smart - Rs. 20, 25, 50 & 75 lakhs
  • Features
  • Any age entry option with lifetime renewal
  • Health incentives for maintenance of health
  • Long term policy options up to 3 years with attractive premium rate
  • Option to pay yearly premium in 3, 6 and 12 equal installments
  • Co-pay in order to avail discounts on premium
  • Benefits
  • Multiple sum insured options ranging from Rs. 3 lakhs to Rs. 75 lakhs
  • Various discount options - family discount, long term policy discount, loyalty discount
  • Fitness discount@ renewal
  • Recovery Benefit
  • CoverageIn-Patient Hospitalization/Medical Expenses
  • Room rent, boarding and Nursing charges
  • Intensive Care Unit charges
  • Consultation fees
  • Anesthesia, blood, oxygen, operation theatre charges, surgical appliances
  • Medicines, drugs and consumables
  • Diagnostic procedures
  • Cost of prosthetic and other devices or equipment if implanted internally during a Surgical Procedure
  • Mental Healthcare
  • Home Healthcare
  • Domiciliary Hospitalization
  • Pre Hospitalization Cover - 60 days
  • Post Hospitalization Cover - 180 days
  • Day Care Procedures
  • Road Ambulance
  • Organ Donor
  • Alternative Treatment
  • Ayurveda
  • Unani
  • Siddha
  • Homeopathy
  • Air Ambulance Cover from the site of first occurrence of the Illness/Accident to the nearest Hospital, that ground transportation cannot provide
  • Recovery Benefit
  • Sum Insured Rebound
  • Cumulative Bonus - 10%/ 25% of Basic Sum Insured
  • Preventive Health Check-Up - Booster
  • my: Health Active
  • Fitness discount @ Renewal
  • Application of Fitness discount @ Renewal
  • Multi Year Policy Option
  • Wellness Service
  • Health Coach via my: Health mobile app
  • Optional Cover Includes,
  • Parent and Child care Cover – Booster
  • Maternity Expenses
  • OPD Treatment
  • Infertility Treatment
  • New Born baby cover
  • Vaccination Charges
  • Waiting Period modification Option
  • Non-Medical Expenses cover
  • Extended Cumulative Bonus
  • Room Rent Modification Option
  • Proportionate deduction
  • Co-Payment
  • my: health Critical Illness Add on
  • PremiumDepends on Age, Sum Insured, Additional Child and City of Residence

    Reasons to Choose my: Health Suraksha

    • No Room Rent Capping - Get the right room of your choice at an affordable rate
    • Sum Insured Rebound - You get additional sum insured upto the base sum insured even if your existing sum insured exhausts
    • Free Health Check-up every year
    • Cashless Home Healthcare - avail medical attention at home without paying

      What is Not Included in my: Health Insurance?

      Here is the list of exclusions under this plan:
    • General Waiting Period - Claim arising due to condition for which appearance of signs/symptoms, consultation, investigation, treatment or admission started within 30 days from policy commencement date, except for the claims arising due to an accident.
    • Waiting Period for listed illnesses and Procedures - 24 months for all Illnesses and Surgical Procedure
    • Pre-existing Conditions - 36 months
    • Waiting Period for Parent & Child Care Cover-Booster - 48 months
    • Adventure Sports related injury
    • Self-inflicted Injury
    • War/Riot/Revolt/Rebellion/Revolution
    • Participation in defence operations
    • Venereal or Sexually transmitted diseases
    • Treatment of Obesity or Cosmetic Surgery