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Optima Lite Health Insurance Plan
HDFC ERGO Optima Lite Health Insurance Plan is an affordable health insurance policy that provides necessary health insurance coverage to i…
- Affordable premiums
- Unlimited restore benefit
- No disease-wise sub-limits
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HDFC ERGO Health Insurance
HDFC ERGO Koti Suraksha Plan
A health insurance policy that offers healthcare coverage is categoriz ...Read More
Up to 2 Cr
Sum insured
1
No. of plans
200+
Pan India presence
95.30%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,716 reviews
🏥 15,000+ hospitals
📊 2.00 solvency ratio
✅ 95.30% claim settlement
About HDFC ERGO Koti Suraksha Plan
A quick read on what this HDFC ERGO Health Insurance plan covers and why it might be a fit for you.
HDFC ERGO Koti Suraksha is a health insurance plan that provides a sum insured of up to INR 1 crore. The Koti Suraksha Plan by HDFC ERGO Insurance Company is divided into two sections. Section A offers health cover with an add-on critical illness cover, while Section B provides a separate health cover with a floater option and Hospital Cash Benefit. Koti Suraksha offers a cover of Rs. 1 crore at affordable premiums. Investing in a one-crore insurance plan is crucial to combat rising medical inflation and protect yourself and your family.
HDFC ERGO Koti Suraksha covers medical expenses such as COVID-19, hospitalization, surgery, daycare procedures, AYUSH treatment, and more. It is not just a simple healthcare plan but also a wellness partner, providing value-added services like access to nutrition, fitness, and psychological counseling via a health coach, along with discounts on OPD, pharmacy bills, and diagnostic centers.
HDFC ERGO Koti Suraksha is available in Platinum and Titanium options, offering different coverage choices. It also provides optional covers like overseas treatment and emergency worldwide coverage to support policyholders in times of adversity.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
Minimum: 18 years Maximum: 65 years
Plan type
Individual and Family Health Insurance
Sum insured options
₹50 L, ₹1 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1/2/3 Years
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Air ambulance
- OPD cover
- Domiciliary hospitalization
- Emergency global coverage
Cons
- Vaccination not covered
- Modern treatment unavailable
- Maternity & newborn baby care unavailable
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Covered
- Day-care treatment Covered
- OPD charges Covered
- Covid-19 treatment Covered
- Cataract Covered
Bonuses & restoration
- No-claim bonus Covered
- Automatic restoration of SI Covered
- Daily hospital cash Covered
Family & special care
- Maternity cover Not covered
- New-born baby cover Not covered
- IVF treatment Not covered
- AYUSH treatment Covered
- Organ donor expenses Covered
Modern & preventive care
- Modern treatment Not covered
- Road ambulance Covered
- Air ambulance Covered
- E-consultation Not covered
- Health check-up Covered
- Second medical opinion Not covered
- Vaccination Not covered
Conditions & global
- Co-payment Covered
- Sub-limits Covered
- Compassionate travel Not covered
- Global coverage Not covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
HDFC Ergo Health Insurance Plan Detailed Review
This review video of the HDFC ERGO health insurance plan discusses various options & variants this plan offers in India.
HDFC ERGO Koti Suraksha Plan Benefits
The HDFC ERGO Koti Suraksha Plan offers the following benefits:
-
Tax Benefits
Premiums paid for this plan are eligible for tax benefits under Section 80D of the Income Tax Act, 1961.
-
Discounts
Policyholders can avail of multiple discounts, including long-term and family discounts (up to 10% savings), as well as fitness discounts at the time of renewal.
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Unlimited Daycare Procedures
HDFC ERGO Koti Suraksha covers unlimited daycare procedures that require less than 24 hours of hospitalization.
-
Home Health Care
If a doctor recommends medical treatment at home, the HDFC ERGO Koti Suraksha plan offers coverage for home hospitalization expenses.
-
Wellness Partner
HDFC ERGO is not only a health cover provider but also a wellness partner, encouraging policyholders to live an active life. It offers access to health coaching services like nutrition, fitness, and psychological counseling, along with discounts on OPD consultations, pharmacy purchases, and diagnostic centers.
HDFC ERGO Health Insurance Network Hospital List
HDFC ERGO Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, HDFC ERGO Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Permanent diseases or health conditions not included under HDFC ERGO Koti Suraksha are:
- Hospitalization due to war, riot, strike, or nuclear weapons
- Intentional self-injury
- AIDS
- Miscarriage and abortion
- Congenital disease
- Infertility and in vitro fertilization
- Certain diseases and treatments are covered under this plan after a specific waiting period:
- Specific ailments: 24 Months
- Pre-existing diseases: 48 Months
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Entry age: 18 to 65 years
- Sum insured: 50 Lakhs & 1 Crore
- Waiting period: 30 days
- Policy term: 1/2/3 years
Other features & benefits
- In-patient hospitalization
- Daycare procedures
- Health check-up cover
HDFC ERGO Koti Suraksha: FAQs
The 5 most-asked questions about HDFC ERGO Koti Suraksha Plan, answered.
Hdfc Ergo Koti Suraksha plan age eligibility criteria is 91 days to 25 years for dependent children and 18 years to 65 years.
The value-added services offered by hdfc ergo koti suraksha are Health Coach: It provides a health coaching facility to help insurance holders with disease management, nutrition, activity and fitness, weight management, and psychological counselling. Wellness Services: Insurance holders are provided with discounts on OPD expenses, diagnostics, and pharmacy, along with a monthly newsletter, diet-related consultations, and health tips. These value-added services can be availed via the Hdfc Ergo mobile app.
Hdfc Ergo Koti Suraksha is a 1 crore plan that offers multiple benefits to insurance holders: In case you are the sole breadwinner of the family you must invest in a 1 crore health plan as you are responsible for the health and wellness of your family. If there are any liabilities on you it is possible that you might need a higher sum insured and a 1 crore health plan, like hdfc ergo koti suraksha might be helpful. In case you select a low-coverage health plan, there is a big possibility that you will have to pay medical treatment bills out of your hard-earned savings. 1 Crore health insurance plan can take care of your medical expenses allowing your savings to be used for your liabilities
Hdfc ergo koti suraksha offers emergency worldwide coverage and overseas treatment as optional coverage under section A of the health insurance plan. Emergency worldwide coverage pays medical expenses on medically necessary hospitalization of an insured person outside India due to a life-threatening situation where such treatment cannot be postponed until the Insured has returned to India. Whereas, Overseas treatment pays for medical expenses incurred outside India for the treatment of Major Illnesses like Cancer, Kidney failure, Major organ/bone marrow transplants, and more.
No, maternity cover or newborn baby cover is not available under hdfc ergo koti Suraksha.
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