HDFC ERGO Koti Suraksha

Overview

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.
• 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.

HDFC ERGO Koti Suraksha Plan 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.

• 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.

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

HDFC ERGO Koti Suraksha Premium Illustration

To understand the premium structure, refer to the sample premiums illustrated below.

Platinum Plan

*Premium calculated for Sum Insured INR 50 L*

Titanium Plan

*Premium calculated for Sum Insured INR 50 L*

Super Top Up Plan

*Premium calculated for Sum Insured INR 40 L in Excess of 10 Lakhs*