my: health Suraksha Smart Plan
  • Key Features Of My: Health Suraksha Smart Plan
  • Eligibility & Age Restrictions
  • Types of My: Health Suraksha Smart Plans

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HDFC Ergo My: Health Suraksha Smart Plan

My: Health Suraksha Smart Plan, a comprehensive plan has been recently launched by the HDFC Ergo Health Insurance company, that aims at providing 360-degree protection against the rising medical expenses. This plan offers you the best returns to serve your needs. This plan is specifically designed for individuals, families, and senior citizens. With this plan, you can protect your family against any unforeseen illnesses and accidental injuries.

The cashless hospitalization in network hospitals and the facility of reimbursement of medical bills or expenses incurred on treatments done in non-network hospitals is the amazing benefit offered by this plan . It also covers the in-patient treatment cost, pre and post medical expenses on hospitalization along with no sub-limits on illness, hospital room rents, a fee of the doctor, and charges of the hospital.

Key Features of My: Health Suraksha Smart Insurance Plan

There are several health insurance plans available in the market but which one to choose? We at will help and guide you properly regarding this. So let’s explore the key features of this plan that will help you to lead a financially healthy and secure life.

  • The Plan offers you multiple sum insured options which range between Rs. 3 lakhs and Rs. 75 lakhs.
  • Any entry age with a lifetime renewal offer is available.
  • Exclusive covers like an air ambulance, recovery benefit, and infertility benefits are provided under the plan.
  • Wellness features like fitness discounts at renewal, health incentives for the maintenance of health.
  • A long-term policy tenure of 3 years at a reasonable premium amount.
  • Option to pay the yearly premium in 3, 6, and 12 equal installments.
  • Flexible discounts like choosing room rent capping and co-pay to avail discounts on premium. It also offers a family discount of 10%, if you want to cover 2 or more family members under the plan on an individual sum insured basis.
  • Various discount options are available like a family discount, long-term family discount and loyalty discount.
  • This plan also offers wellness features such as health incentives for maintaining health and fitness discounts at renewal.
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Benefits of My: Health Suraksha Smart Insurance Plan

Remember that the utility of medical coverage of health insurance plans not only depends on the key features but also on how well aware you are about its usage. Let's understand the benefits of My: Health Suraksha in detail:

  1. Day Care Treatments

    This plan offers daycare treatments as some surgeries or medical treatments do not require you to be hospitalized for a minimum of 24 hours to raise a claim. Insured gets coverage for all the daycare procedure expenses within the policy tenure.

  2. Pre and Post Hospitalization Cover

    All the medical expenses incurred in the treatment of the insured 60 days before the hospitalization get coverage under the HDFC my: health Suraksha Plan. And the Post-Hospitalization Covers, all the treatment expenses incurred in 180 days after the insured is discharged from the hospital are covered under this plan.

  3. Restore benefits

    This benefit offers you to restore your base sum insured automatically if you exhaust the amount during the policy term.

  4. Recovery Benefit-

    A specific amount is paid in case of medically necessary hospitalization of the insured exceeding 10 continuous days of illness. This benefit is not provided in case the medical treatment is taken under home healthcare and domiciliary hospitalization.

  5. Medical Checkup

    If you want to have a health check-up for consecutively 4 claim-free years, then you can get up to 1% of the sum insured i.e. up to Rs. 5000.

  6. Medical Expenses

    The plan covers the following medical expenses,

    • Room rent cover, boarding, and nursing charges
    • Doctor's consultation fee
    • Diagnostic procedures
    • Intensive care unit charges
    • Anesthesia, blood, oxygen, operation theatre charges, surgical appliances
    • Medicines, drugs, and consumables
    • The cost of prosthetics and other devices or equipment if implanted internally during a surgical procedure.

    In case the insured has opted for copayment at the time of buying the policy, then he/she is subject to certain payments at the time of taking a medical facility for each cover mentioned above

  7. Cover for Organ Donor

    It covers medical expenses incurred during organ transplantation.

  8. Road Ambulance Cover

    The ambulance cover includes three incidents like transfer of the insured from home to the nearest hospital in the case of emergency, transfer of insured from one hospital to another hospital, and final transfer of the insured from the hospital to respective home. All the expenses incurred in these transfers are covered under my: health Suraksha insurance policy.

  9. Air Ambulance

    In case of emergency or accident, the insured is provided with an air ambulance either in the form of an airplane or helicopter, subjected to the condition suggested by the medical practitioner about the urgent treatment of the patient.

    Note: Return transportation cost is not covered by the insurance company.

  10. Mental Health Care

    The insured is paid for medical expenses for any sort of mental disease contracted during the policy period under the mental healthcare act 2017. The regular amendments and other applicable rules and laws mention that: 'The hospitalization is advised by a medical practitioner for mental illness.The hospitalization process is done in the mental health establishment'

  11. Home Health Care

    Under this coverage, the insured is provided with a hospitalization facility at home in case s/he is not in a condition to travel to the network hospital. My: health Suraksha Plans provides this facility to its insured only in case of the following illnesses:

    • Gastroenteritis
    • Bronchopneumonia
    • Respiratory tract infection
    • Chemotherapy
    • Pancreatitis
    • Dengue
    • COPD management
    • Hepatitis
    • Fever management

    Cashless facilities are available for these treatments at the network hospitals.

  12. Domiciliary Hospitalization

    Under this My: health Suraksha Plans pays for domiciliary hospitalization of the insured person subjected to the following facts:

    • A recognized medical practitioner has suggested the treatment.
    • The insured is not in a condition to be moved or traveled to any of the nearest hospitals.
    • The treatment at home is done under the condition that there is no availability of room in the hospitals.
  13. Organ Donor Expenses

    In the case of organ donation, the treatment expense incurred is covered under My: health Suraksha Plans. All the procedures relating to the treatment of the insured are paid off to the policyholder under this plan.

  14. Alternative Treatment

    HDFC My: health Suraksha Policy has a special coverage for the insured i.e. AYUSH/Non-Allopathic Treatment Cover. This plan offers for the non-allopathic expense incurred for in-patient treatment. This includes ayurvedic, Unani, Siddha, and homeopathy treatment. There are a few conditions applied to this coverage:

    • The treatment performed should only be on an inpatient basis.
    • The treatment should be taken from any of the government hospitals, or a recognized medical institution, failing which the insured is not eligible for the coverage.
    • There can be no claim for the same illness under allopathic treatment. If the insured has already claimed for the particular illness then it is subjected to rejection.
  15. Eligibility and other Age Restrictions

    Proposer Adult Dependant  Child/ Children 
    Minimum Entry Age: 18 Years Minimum Entry Age: 18 Years Minimum Entry Age: 91 Days
    Maximum Entry Age: Lifetime Entry Maximum Entry Age: Lifetime Entry Maximum Entry Age: 25 Years
    Maximum Age Entry For Add on Covers Maximum Entry Age: 65 Years Maximum Entry Age: 65 Years
    Parents & Child Care Cover - Basic & Booster - Entry Age up to 45 Years Parents & Child Care Cover - Basic & Booster - Entry Age up to 45 Years N/A

    Why Should I Choose My: health Suraksha Smart Plan?

    There are several facilities provided under my: health smart plans that will give you the reasons to buy the policy. A few of them have been mentioned below:

    • No Room Rent Capping - This plan helps you to afford a room of your comfort.
    • Insured Rebound - Get the benefit of the sum insured rebound, get the additional sum insured up to the base sum insured even in case your existing sum insured exhausts. 
    • Free health check-up every year- This plan provides coverage against free health check-up.
    • Cashless home healthcare - Some illnesses require home healthcare. And the plus point with this plan is that it provides you a cashless care facility for treatments at home without paying. 

    Types of my: Health Suraksha Smart Plans

    HDFC Ergo has three variants under my: Health Suraksha Smart Policy,

    • Silver Smart Plan
    • Gold Smart Plan
    • Platinum Smart Plan

    Individuals who fulfill the eligibility criteria mentioned in the table can buy a plan of their choice.

    Comparison Between HDFC Ergo My :Health Suraksha : Silver, Gold and Platinum Smart Health Plans 

    All three variants of my: health suraksha smart plan can easily meet your requirements but it becomes equally important to know which one suits your requirement the most out of three. We have prepared a table of comparison for your reference given below. Check out this table carefully and choose your plan wisely.

    Covers  Silver Smart Plan  Gold Smart Plan  Platinum Smart Plan 
    Sum Insured  5 lakhs 7.5 lakhs
    10 lakhs
    15 lakhs 
    Rs. 20 Lakhs
    Rs. 25 Lakhs
    Rs. 50 Lakhs
    Rs. 75 Lakhs
    Pre hospitalization  60 days  60 days  60 days 
    Post hospitalization  180 days 180 days 180 days
    Road Ambulance  Rs. 2000 For Sum Insured 3 Lacs - 5 lacs Rs. 3,500 for sum insured 7.5 lakhs - 15 lakhsRs. 3,500 for sum insured 20 lakhs - 50 lakhs
    Rs. 15,000 for sum insured above 50 lakhs
    Air Ambulance Cover Not covered Max. up to 2 Lacs Max. up to 5 Lacs
    Recovery Benefit Rs. 5,000 Rs. 15,000 Rs. 25,000
    Cumulative Bonus For every claim-free year - 10% and a maximum up to 100% For every claim-free year - 10% and a maximum up to 100% For Every claim-free year - 25% and maximum up to 200%
    Parent and Child Care Cover Booster Cover 1: Normal Delivery - Rs. 15,000, C-Section Delivery - Rs. 25,000
    Cover 2: Normal Delivery - Rs. 25,000, C-Section Delivery - Rs. 40,000
    Cover 1:Normal Delivery - Rs. 15,000, C-Section Delivery - Rs. 25,000
    Cover 2: Normal Delivery - Rs. 25,000, C-Section Delivery - Rs. 40,000
    Cover 1: Normal Delivery - Rs. 25,000, C-Section Delivery - Rs. 40,000, Termination of Delivery - 25,000
    Cover 2: Normal Delivery - Rs. 50,000, C-Section Delivery - Rs. 75,000, Termination of Delivery - 50,000
    Pre and Post Natal Expense Max limit - Parent care sum insured Max limit - Parent care sum insured Max limit - Parent care sum insured
    Infertility Treatment Max limit - 50% of the normal delivery sum insured Max limit - 50% of the normal delivery sum insured Max limit - 50% of the normal delivery sum insured
    New Born baby care Max limit - Parent care sum insured Max limit - Parent care sum insured Max limit - Parent care sum insured
    Vaccination Charges Rs. 5,000 Rs. 5,000 Rs. 5,000
    Rs. 15,000
    Waiting Period
    Modification Option
    Optional 3 Year Optional 3 Year Optional 3 Year
    Expenses Cover
    Optional Optional Optional
    Extended Cumulative Bonus Optional:25% and max 200%, 50% and max 200% Optional: 25% and max 200%, 50% and max 200% Optional: 50% and max 200%
    Room Rent Modification Option OptionalN/A N/A N/A
    My: health Hospital Cash add on Rs.1,000, 2,000 on daily basis Rs.3,000, 5,000 on daily basis Rs.3,000, 5,000, 7,500 on daily basis
    My: health Critical Illness add on Optional Optional Optional
    Co-payments 10% or 20% 15% or 25% 15% or 25%

    We suggest you go through this table for comparison and be aware of your plan. Now let's discuss sample rates of premium of these variants that will provide you a good idea about the selection of your plan on the basis of premiums.

    Sample rates of premium

    1. My: Health Suraksha Silver Plan

      This table illustrates the premium payable by individuals under HDFC Ergo My: Health Suraksha at different ages. 

        Policy Premium (without taxes)
      Age 1 year 2 year 3 year
      30 9138 16906 23988
      35 9138 18453 26917
      40 10812 20002 28380

      **Last Updated on August, 2021

      Let's have a quick and smooth understanding about the Silven plan  with the help of the graph,

      1 year Premium payable at different ages

      Premium rates for 1 year policy at different ages under My: Health Silver Plan

      At the age of 30 years, you are required to pay Rs. 9138 under the My: Health Suraksha Silver plan for 1 year Policy Premium, then at the age of 35 years, it is constant but at 40 years of age, the premium increases to Rs. 10812 annually. The premium increases along with age as it is believed that with an increase in age, the chances of problems associated with health also escalates and accordingly the premium amount increases.

    2. My: Health Suraksha Gold Plan

      This table illustrates the premium payable by individuals under HDFC Ergo My: Health Suraksha Gold Plan at different ages and sum insured.

        Sum Insured options 
      Age 7.5 lakh 10 lakh 15 lakh
      30 10752 11768 14167
      40 12761 13969 16819
      50 16636 18213 21937

      **Last Updated on August, 2021

    3. My: Health Suraksha Platinum Plan

      This table illustrates the premium payable by individuals under HDFC Ergo My: Health Suraksha Platinum Plan at different ages and sum insured. 

        Sum Insured options
      Age 20 lakh 25 lakh 50 lakh 75 lakh
      30 17112 19544 31123 37975
      35 20345 23235 36995 45137
      40 34410 39304 62605 76392

      **Last Updated on August, 2021

    My:Health Suraksha Gold Vs Silver Smart Plan

    After seeing these tables of premium payable at different ages and sum insured, What do you think? Which is the best option for you and your family. Let's compare My: Health Suraksha Silver and Gold  Insurance Plan.

    My: Health Suraksha Silver Plan - Premium Payable in 1, 2 and 3 years at different ages.

    Premium Rates for my: Health Suraksha Silver Plan at different ages

    My: Health Suraksha Gold Plan - Premium payable at different ages and at different sum insured.

    Premium Rates At Different Ages Under My Health Suraksha Silver Plan

    Though, both plans are considered to be ideal plans for an individual, families, and senior citizens. The sum insured in the case of the Silver plan is Rs. 5 lakh whereas in the case of Gold, there are different options for sum insured are available, such as Rs. 7.5 lakhs, Rs. 10 lakhs, and Rs. 15 lakhs. Accordingly, the premium for 1 year, 2 years, and 3 years varies based on different factors such as age, location, illness, etc. At the age of 40, the premium amount for silver plan in 1 year is Rs 10812 annually increases to Rs. 10752 annually in the case of the Gold plan. Therefore, you can choose your preferred variant as per your needs and requirments.

    HDFC Ergo Health Suraksha Individual Vs. Optima Restore

    A comparison table of My: Health Suraksha Vs. Optima Restore is prepared. We suggest you go through this table once for a better selection.

    Factors  My: Health Suraksha  Optima Restore 
    Policy Term  1,2,3 1,2
    Minimum Entry Age Adults - 18 years 
    Child - 91 days 
    Adults - 18 years 
    Child - 91 days 
    Maximum Entry Age Adults - Lifetime
    Child - 21 years 
    Adults - 65 years 
    Child - 25 years
    Sum Insured  5 lakh - 75 lakh  Rs. 5 lakhs - 50 lakhs 
    Renewability  Lifelong Lifelong 
    No. of daycare treatments covered  144 All 
    Hospital Cash Benefit  Optional  Yes
    Ayurvedic treatments  Covered  Covered 
    Co-payments  No No
    Tax Benefits  Yes, U/S 80(D) Yes, U/S 80(D)

    Comparison of Sample Rates of Premium 

    This table illustrates the premium payable by individuals under HDFC Ergo My: Health Suraksha and Optima Plan at different ages and 10 lakh sum insured.

    Age  My: Health Suraksha  Optima Restore 
    30 11768 11575
    40 13969 13360
    50 18213 19877

    My: Health Suraksha Vs. Optima Restore

    My Health Suraksha Vs Optima Restore Plan

    Based on certain factors such as age, medical expenses, treatment cost, medical history, gender, profession, and any addiction, the insurer develops a profile of clients and offers various benefits through insurance plans.

    So, based on all these factors discussed in the table, we can say that both are the ideal plans but what to choose, solely depends on your requirements. However, before buying, it is always advisable to go through your insurance company policies, plans, and brochures.

    What is not covered in HDFC Ergo My: Health Suraksha - Permanent Exclusions ?

    • The plan does not cover accidents encountered while participating in sports. Sports can give you an adrenaline rush, but along with accidents, they can be hazardous.
    • Use and abuse of intoxicant or hallucinogenic substances such as consuming drugs and alcohol lead to self-inflicted wounds.
    • This policy does not cover any claim caused due to war or likable conditions.
    • The plan does not provide coverage for Venereal or sexually transmitted diseases.
    • Insanity, congenital disease, mental disorders, cosmetic surgery, or treatment of obesity is not covered under this insurance policy.
    • Expenses incurred for the treatment of HIV or AIDS or its related illnesses.
    • Violating any law with the intent of doing crime. 
    • Self inflicted injuries 
    • Dental surgeries 
    • Congenital disease 
    • Plastic surgery or cosmetic surgery unless it will be performed as an internal part of the treatment. 

    *To know all the exclusions of your plan, refer to the product brochure or directly get in touch

    with your respective insurer.

    How to buy HDFC Ergo Health Insurance?

    For a quick and smooth process, consider buying plans from the company. Let’s have a look at how to sign up below:

    Company's website

    • Visit the official website of HDFC Ergo and click on ‘Health Insurance'.
    • Fill in all the required details and choose the sum insured. Click on the option ‘Buy Now'.
    • Once you have filled in all the necessary details in the proposal form of HDFC Ergo, select the premium amount of your choice.
    • Pay the premium online and your policy document will be mailed to your registered email address.

    You can also visit the nearest HDFC ERGO branch to buy health insurance.

    What personal details and Documents are required for buying HDFC Ergo Health Insurance Policies?

    • KYC Documents
    • 1 Passport size photograph
    • Medical records
    • Family medical history and all the current medical records
    • Application form

    How can I renew HDFC Ergo My : Health Suraksha Plan?

    Online process for Renewal - Online process is a hassle free and easy process. Here's a step by step guide for a smooth renewal process- 

    • Visit the official website of HDFC Ergo www[dot]hdfcergo[dot]com and click on "instant renewal".
    • After this, enter all details about your policy. 
    • You can look for add on covers that increase your coverage for protecting your asset. 
    • Fill all the required details, and your premium for renewal shall get produced. 
    • Now, the last step is to make the payment and renewal for your policy. 
    • When doing it offline, you are required to visit the branch office or can approach an agent to do all the formalities on your behalf. 
    • In online you can pay using debit and credit card whereas in offlines premiums can be paid through cheques.

    What is the claim procedure of HDFC Ergo Health Suraksha Plan?

    There are two ways to file a claim. Let's take a look at it

    Cashless Claim Settlement Process

    • One can avail of the cashless facility only at network hospitals of HDFC ERGO.
    • Reach the insurance desk of the hospital and show your health card.
    • Download the pre-authorization form from the company's website. Fill in the details and submit the form. The hospital will share the details with HDFC ERGO.
    • The company will then scrutinize all the documents and convey their judgment.
    • On successful verification and acceptance of the claim, the insured can enjoy a cashless treatment facility.

    Reimbursement Claim Settlement Process

    • Reach the nearest non-network hospital and get the treatment done.
    • Pay all the bills by yourself and then file a claim for reimbursement.
    • Submit all the required documents.
    • The company will verify all the information and process the claim.
    • If approved, you will receive the amount in your registered bank account.

    Note : Do not forget to carry your Identity proof or photo ID proof. If in case, the documents are not submitted, the claim can not be processed. This will not stop the treatment process as the insured can pay to the hospital by reimbursement process.

HDFC ERGO Important Links


Yes, the maximum age limit to buy a policy is 65 years.

Yes, my: health Gold smart plan and the platinum plan provide the insured with an air ambulance facility.

Yes, this plan provides number of discounts to its customers such as,

Family discount - In this, 10 % discount on the premium is offered if two or more of any eligible family members are covered.

Loyalty discount - If an insured has more than one product, a 2.5% discount on premium is offered on my: health Suraksha

Long Term Discount - A discount of 7.5% and 12.5% shall be offered on premium, in case a policy is purchased for 2 and 3 year duration respectively along with the Annual Premium Payment option.

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

Yes, the plan will pay for the medical expenses on the hospitalisation of insured persons for some non -allopathic treatments prescribed by a health care provider such as Ayurveda, Unani, Siddha and Homeopathy.

  1. By renewing your policy timely, you can avail the benefits of coverage provided without any procrastination. If you got late then you have to wait for 30 days to get off the coverage.
  2. Another benefit that is added to your insurance on renewal is 5% of No Claim Bonus (NCB) if you haven't registered any claim on each renewal.
  3. Some coverages like maternity and critical illness have a waiting time of 4 years. If you haven't applied for up-to-date renewal, then the waiting period begins again with the scratch.

Find Out What Customers Says

- 4.6/5 (1157 Total Rating)


Akhilesh Yadav


One of the best health care companies with the best team. They help you as their own brother and sister.


Amit Kumar


Nice company with helpful and supportive staff members. I am very happy with the way the company helps me with my claim settlement

1 days ago



good decsion approaching this company...they are very knowlegeable with their suggestions! I am thnkful!

1 days ago

Simran C


happy with the claim settling speed....they responded within no time and were super efficient during the whole process

1 days ago

Dilpreet Singh


very vast range of plans! the premiums are decent for anybody s budget. I would 1000% recommend the comapny

Last updated on August, 2021

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