Network hospitals
12000+
Incurred claim ratio
79.04%
Sum insured
Up to 2 CR
No. of Plans
11
Solvency Ratio
1.7
Pan India Presence
200+
Network hospitals
12000+
Incurred claim ratio
79.04%
Sum insured
Up to 2 CR
No. of Plans
11
Solvency Ratio
1.7
Pan India Presence
200+
HDFC Ergo Koti Suraksha is a health insurance plan that provides a sum insured of up to INR 1 crore. HDFC Ergo is divided into two sections wherein section A is a health cover with add-on critical illness cover and a seperate health cover which is a floater option with Hospital Cash Benefit. HDFC Ergo is a policy that gives you a cover of Rs. 1 crore at affordable premiums. Investing in one crore insurance is imperative to beat the ever-rising medical inflation and protect yourself and your family. Hdfc ergo Koti Suraksha covers medical expenses such as COVID-19, hospitalization expenses, surgery expenses, daycare procedures, AYUSH treatment, and more.
Hdfc ergo koti suraksha is not just a simple health care plan but also a wellness partner, providing value-added services like access to nutrition, fitness, and psychological counseling via a health coach and discounts on OPD, pharmacy bills, and diagnostic centers. Hdfc ergo Koti Suraksha is divided into platinum and titanium options offering different coverage options. Hdfc ergo koti suraksha provides optional covers like overseas treatment and emergency worldwide coverage to support insurance holders in the face of adversity.
HDFC Ergo Health Insurance Plan Detailed Review
Minimum: 91 Days to 25 years
Minimum: 18 years
Maximum: 65 years
50 L | 1 Cr
Individual/Family Floater
1/2/3 Years
30 Days*
*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
With comprehensive coverage options, Hdfc ergo koti suraksha lets you customize your health insurance plan as per your requirements:
Coverage for SI: Platinum
Room Rent
Single Standard AC Room
ICU Charges
Covered
Pre-Hospitalization
Covered up to 60 days
Post-Hospitalization
Covered up to 180 days
Domiciliary Hospitalization
Covered
Daycare Treatment
Covered
OPD Charges
Covered
COVID-19 Treatment
Covered
Cataract
Covered
No Claim Bonus
Applicable up to 100% of SI
Automatic Restoration
Applicable
Daily Hospital Cash
Available
Organ Donor
5% of Sum Insured
Maternity Cover
Not Covered
New Born Baby Cover
Not Available
AYUSH Treatment
Covered up to Rs. 50,000
IVF Treatment
Not Available
Modern Treatment
Not Covered
Ambulance
Up to Rs. 2,000
Air Ambulance
Optional Upto 5 lac
Compassionate Travel
Not Covered
Global Coverage
Not Covered
E-Consultation
Not Covered
Health Check-Up
Covered
Second Medical Opinion
Not Covered
Vaccination
Not Covered
Co-payment
Applicable, 20% co-payment for all lives with PED
Sub-limits
Available
Coverage for SI: Titanium
Room Rent
Actuals
ICU Charges
Covered
Pre-Hospitalization
Covered up to 60 days
Post-Hospitalization
Covered up to 180 days
Domiciliary Hospitalization
Covered
Daycare Treatment
Covered
OPD Charges
Covered
COVID-19 Treatment
Covered
Cataract
Covered
No Claim Bonus
Not Applicable
Automatic Restoration
Applicable
Daily Hospital Cash
Available
Organ Donor
At Actuals
Maternity Cover
Not Covered
New Born Baby Cover
Not Available
AYUSH Treatment
At Actuals
IVF Treatment
Not Available
Modern Treatment
Not Covered
Ambulance
Up to Rs. 10,000
Air Ambulance
Covered Upto 5 lac
Compassionate Travel
Not Covered
Global Coverage
Covered
E-Consultation
Not Covered
Health Check-Up
Covered
Second Medical Opinion
Not Covered
Vaccination
Not Covered
Co-payment
Applicable, 20% co-payment for all lives with PED
Sub-limits
Available
Coverage for SI: Super top up
Room Rent
Actuals
ICU Charges
Covered
Pre-Hospitalization
Covered up to 60 days
Post-Hospitalization
Covered up to 180 days
Domiciliary Hospitalization
Covered
Daycare Treatment
Covered
OPD Charges
Covered
COVID-19 Treatment
Covered
Cataract
Covered
No Claim Bonus
Not Applicable
Automatic Restoration
Applicable
Daily Hospital Cash
Available
Organ Donor
At Actuals
Maternity Cover
Not Covered
New Born Baby Cover
Not Available
AYUSH Treatment
At Actuals
IVF Treatment
Not Available
Modern Treatment
Not Covered
Ambulance
Up to Rs. 10,000
Air Ambulance
Covered Upto 5 lac
Compassionate Travel
Not Covered
Global Coverage
Covered
E-Consultation
Not Covered
Health Check-Up
Covered
Second Medical Opinion
Not Covered
Vaccination
Not Covered
Co-payment
Applicable, 20% co-payment for all lives with PED
Sub-limits
Available
The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.
Common Room categories covered under room rent are:
Coverage status under Hdfc Ergo Koti Suraksha?
Under Hdfc ergo koti suraksha Plan, the room rent is covered
It is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under Hdfc Ergo Koti Suraksha?
Under the Hdfc Ergo Koti Suraksha Plan, ICU charges are covered at actuals.
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under Hdfc Ergo Koti Suraksha?
Under the Hdfc Ergo Koti Suraksha Plan medical expenses incurred during pre-hospitalization are covered up to 60 days.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under Hdfc Ergo Koti Suraksha?
Under Hdfc ergo koti suraksha Plan, medical expenses incurred during post-hospitalization are covered for up to 180 days.
Home hospitalization arrangements for the insured person due to the unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.
Coverage status under Hdfc Ergo Koti Suraksha?
Under Hdfc Ergo Koti Suraksha, domiciliary hospitalization is covered.
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under Hdfc Ergo Koti Suraksha?
Under Hdfc Ergo Koti Suraksha Plan daycare procedures are covered.
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization.
Coverage status under Hdfc Ergo Koti Suraksha?
Hdfc Ergo Koti Suraksha does cover OPD expenses as value-added services.
COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.
Coverage status under Hdfc Ergo Koti Suraksha?
COVID-19 treatment is covered by Hdfc Ergo Koti Suraksha Plan.
A common eye condition in which your vision gets blurred.
Coverage status under Hdfc Ergo Koti Suraksha?
Hdfc Ergo Koti Suraksha Plan covers Cataract Treatment with sub-limit of Rs. 75,000 per eye.
For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a percentage that varies from plan to plan.
Coverage status under Hdfc Ergo Koti Suraksha?
The no-claim Bonus is available under section A of Hdfc Ergo Koti Suraksha. On each claim free year policyholders get 10% of sum insured up to a maximum of 100% of the basic sum insured.
Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.
Coverage status under Hdfc Ergo Koti Suraksha?
Under Hdfc Ergo Koti Suraksha automatic restoration is available under Section A.
It is a cash amount that you receive each day during the time of hospitalization.
Coverage status under Hdfc Ergo Koti Suraksha?
The daily hospital cash is available under Hdfc Ergo Koti Suraksha only in case of an accident up to Rs. 20,000 per day.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under Hdfc Ergo Koti Suraksha?
Under Hdfc Ergo Koti Suraksha, organ donor expenses are covered
It refers to the cover that includes expenses for normal and c-section procedure deliveries.
Coverage status under Hdfc Ergo Koti Suraksha?
Under the Hdfc Ergo Koti suraksha Plan maternity expenses are not covered.
It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Coverage status under Hdfc Ergo Koti Suraksha?
Under Hdfc Ergo Koti Suraksha Plan the newborn baby cover is not available.
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under Hdfc Ergo Koti Suraksha?
AYUSH Treatment is Covered Under Hdfc Ergo Koti Suraksha
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under Hdfc Ergo Koti Suraksha?
Under the Hdfc Ergo Koti Suraksha IVF treatment is not covered.
Medical treatments that demand modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under Hdfc Ergo Koti Suraksha?
Under Hdfc Ergo Koti Suraksha modern treatments are not covered.
An ambulance is used to move the patient from home to the hospital, transfer to another hospital, and take them for different tests outside the hospital.
Coverage status under Hdfc Ergo Koti Suraksha?
Under Hdfc Ergo Koti Suraksha Plan, Ambulance expenses are covered
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Coverage status under Hdfc Ergo Koti Suraksha?
Under Hdfc Ergo Koti Suraksha Plan, Air Ambulance cover is available up to a maximum of Rs. 5 lacs. under emergency worldwide coverage which is an optional cover.
Refers to the traveling expenses of a family member of the insured person in case the policyholder gets admitted to a hospital outside his/her residential city.
Coverage status under Hdfc Ergo Koti Suraksha?
Under the Hdfc Ergo Koti Suraksha compassionate plan is not covered.
Any kind of medical/health emergency when you are outside of India.
Coverage status under Hdfc Ergo Koti Suraksha?
Under Hdfc Ergo Koti Suraksha Global coverage is available for treatment of Major Illnesses as an optional cover.
If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
Coverage status under Hdfc Ergo Koti Suraksha?
Under Hdfc Ergo Koti Suraksha, e-consultation is not covered.
A facility where the policyholder can avail of free health check-ups after fulfilling the company's policies.
Coverage status under Hdfc Ergo Koti Suraksha?
Under Hdfc Ergo Koti Suraksha, a health checkup is covered as a value-added service after each policy year.
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
Coverage status under Hdfc Ergo Koti Suraksha?
Under Hdfc Ergo Koti Suraksha second medical opinion is not covered.
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under Hdfc Ergo Koti Suraksha?
Under the Hdfc Ergo Koti Suraksha Plan, vaccination expenses are not covered.
In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.
Status under Hdfc Ergo Koti Suraksha?
Co-pay of 20% of each and every claim amount for fresh as well as renewal policies applicable under Hdfc Ergo Koti Suraksha.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.
Status under Hdfc Ergo Koti Suraksha?
Applicable under Hdfc Ergo Koti Suraksha.
HDFC Ergo entails a wide network of cashless Hospitals that impact millions of lives PAN India. A well connected network of over 13,000+ cashless hospitals, HDFC Ergo ensures that you are medically secured, irrespective of the city you reside in.
To understand how much one needs to pay, let us go through the example below wherein we have illustrated the sample premiums.
Age (in years) | 10 | 35 | 40 |
Premium Payable | 11,285 | 14,456 | 14,456 |
*Premium calculated for Sum Insured INR 50 L*
Age (in years) | 10 | 35 | 40 |
Premium Payable | 34,464 | 47,269 | 64,194 |
*Premium calculated for Sum Insured INR 50 L*
Age (in years) | 10 | 35 | 40 |
Premium Payable | 5,113 | 6,893 | 9,246 |
*Premium calculated for Sum Insured INR 40 L in Excess of 10 Lakhs*
Age (Male) | SI - 5 Lakhs | SI - 10 Lakhs | SI - 20 Lakhs | SI - 50 Lakhs |
30 years | 17342 | 20036 | 26328 | 34407 |
60 years | 36191 | 43319 | 59971 | 81350 |
Age (Male) | SI - 5 Lakhs | SI - 10 Lakhs | SI - 20 Lakhs | SI - 50 Lakhs |
30 years | 15086 | 17216 | 22252 | 28719 |
60 years | 30357 | 35903 | 49256 | 66397 |
Below-mentioned are the benefits that come under the Koti Suraksha Plan HDFC ERGO.
Get tax relief under section 80D
Avail multiple discounts
Get covered for daycare procedures
Avail medical attention at home
Health and wellness value-added services
Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.
With Hdfc ergo koti suraksha policyholders can avail of multiple discounts like Long-term discounts and family discounts where you can save up to 10%, as well as fitness discounts which you can avail at the time of renewal.
Hdfc Ergo Koti Suraksha covers insurance holders for unlimited daycare procedures which require less than 24 hours of hospitalization.
If a doctor recommends the insurance holder to avail medical treatments at home Hdfc Ergo Koti Suraksha plan offers coverage for home hospitalization expenses too.
Hdfc Ergo offers not only cover hospitalization expenses amongst many others, but it is also your wellness and health partner encouraging insurance holders to live an active life. Hdfc ergo koti suraksha offers access to health coaching services like nutrition, fitness, and psychological counseling along with discounts on OPD consultations, pharmacy purchases & diagnostic centers.
Permanent diseases or health conditions that are not included under HDFC Ergo Koti Suraksha are:
Hospitalization out of war, riot, strike, and nuclear weapons
Intentional self-injury
Miscarriage, and abortion
Congenital disease
Infertility and in vitro fertilization
Pre-existing diseases 48 months
Listed Ailments 24 months
HDFC ERGO provides myriads health plans to cater to the different needs of different customers. You can read about HDFC ERGO health plans for individuals, families, senior citizens, etc, below:
Comprehensive
Get 4X coverage* without any extra cost under this comprehensive health plan for individuals and families.
Unique Features
Comprehensive
This plan is designed to provide you with alternate and basic healthcare facilities at affordable premium options.
Unique Features
Comprehensive
Provides comprehensive medical coverage to individuals and families with different budgets by offering SI options ranging from 5 Lakhs to 50 Lakhs.
Unique Features
Flexible
Offers 360 degrees protection to you and your family with multiple SI options of 3 to 75 Lakhs. Comes with EMI and lifelong entry option.
Unique Features
Disease-specific plan
Designed especially for people with pre-existing diabetes or hypertension. Get coverage for diabetes and hypertension from Day 1 without any waiting period.
Unique Features
Disease-specific plan
Covers all types of cancer at all stages with lifelong renewability option. If diagnosed with IV stage cancer or relapse, this plan pays 100% of SI as a lump sum.
Unique Features
Critical Illness
An ideal health plan for people with a pre-existing critical illness or a family history of critical illnesses. Get comprehensive coverage for 15 critical illnesses.
Unique Features
Bonus-oriented health plan
A flexible and comprehensive health plan, securing your today & tomorrow. With 'Reserve Benefit' features, this plan grows unused policy amount @6% interest rate.*
Unique Features
Top-Up
Avail of extra cover to meet medical expenses without any limitations by purchasing this deductible-based top-up plan.
Unique Features
Women-oriented health
Women-oriented health plan providing comprehensive medical insurance with major illnesses cover, and cancer cover all under a single plan but different variants.
Unique Features
Comprehensive
This plan covers the policyholder with basic to advanced healthcare benefits not only within the Indian subcontinents but globally as well.
Unique Features
Comprehensive
Safeguard your financial savings with HDFC Personal Accident Insurance as it covers you against accidental medical expenditures.
Unique Features
See More Health Insurance Articles
See More Health Insurance Articles
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
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:
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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Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.
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