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HDFC ERGO Health Insurance HDFC ERGO Health Insurance ★ 4.4

My:Health Suraksha Smart Plan

HDFC ERGO My: Health Suraksha Smart Plan offers comprehensive health p ...Read More

Up to 2 Cr
Sum insured
200+
Pan India presence
95.30%
Claim settlement ratio
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,720 reviews
🏥 15,000+ hospitals
📊 2.00 solvency ratio
✅ 95.30% claim settlement
Written by Simran saxena
Reviewed by Raj Kumar
Published: 4 Nov 2024
Updated: 27 Jul 2026
Expert Verified
IRDAI Licensed

Overview

HDFC ERGO Health Suraksha Plan is a comprehensive plan from HDFC ERGO Insurance Company, providing 360-degree protection against rising medical expenses. It is specifically designed for individuals, families, and senior citizens. This plan protects your family against unforeseen illnesses and accidental injuries. HDFC ERGO Health Suraksha offers multiple Sum Insured options, ranging from Rs. 3 Lakh to Rs. 75 Lakh, and is available in three variants: Silver Smart, Gold Smart, and Platinum Smart Plans.

Core Features

Exclusive Benefits

  • Air ambulance cover
  • Recovery benefit
  • Infertility cover

Wellness Benefits

  • Fitness discounts during renewal
  • Health incentives for maintaining health

Flexible Benefits

  • Option to choose room rent capping
  • Option to choose co-pay to avail premium discounts

Discount Options

  • Family discount
  • Long-term policy discount
  • Loyalty discount

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

HDFC ERGO My Health Suraksha Plan

HDFC ERGO My Health Suraksha Plan

HDFC Ergo Health Insurance Plan Detailed Review

HDFC Ergo Health Insurance Plan Detailed Review

HDFC Ergo My:Health Suraksha Plan Benefits

Health Returns

Policyholders can accumulate healthy weeks and earn up to a 10% discount on renewal premiums by maintaining a healthy lifestyle.

Optional Covers

The plan offers several optional covers for enhanced and customized coverage.

Tax Benefits

Premiums paid for this plan are eligible for tax benefits under Section 80D of the Income Tax Act, 1961.

Discounts

The plan offers several discounts for long-term policies or for adding multiple family members. Discounts available:

  • Family Discount: 10% on the premium if two or more eligible family members are covered under an individual sum insured policy.
  • Loyalty Discount: 10% on the lower premium among all active policies held by the customer when owning more than one product.
  • Long-Term Policy Discount: 7.5% for a 2-year tenure and 10% for a 3-year tenure.

Exclusions

Permanent diseases or health conditions not included under My:Health Suraksha Plan are:

  • Hospitalization due to war, riot, strike, or nuclear weapons
  • Intentional self-injury
  • HIV/AIDS
  • Miscarriage and Abortion
  • Congenital diseases
  • Infertility and In-vitro Fertilization

Certain diseases and treatments are covered under this plan after a specific waiting period:

  • Listed ailments: After 2 years
  • Pre-existing diseases: After 3 years

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
18 Years to No age limit
Plan type
Individual and Family Health Insurance
Sum insured options
₹3 L, ₹5 L, ₹10 L, ₹20 L, ₹25 L, ₹50 L, ₹75 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 cover
  • Recovery benefit
  • Infertility cover

Cons

  • Vaccination cover unavailable
  • Second medical opinion not available
  • Maternity cover unavailable
  • Newborn baby cover unavailable

What's covered

A quick look at what this plan covers — and what it doesn't.

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 Not covered
  • Sub-limits Not covered
  • Compassionate travel Not covered
  • Global coverage Not covered

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.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry age: 18 years to no upper age limit
  • Sum insured: 3 Lakh to 75 Lakh
  • Policy term: 1/2/3 years
  • Initial waiting period: 30 days

Frequently Asked Questions

The 12 most-asked questions about My:Health Suraksha Smart Plan, answered.

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
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.
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. Another benefit that is added to your insurance on a renewal is a 5% No Claim Bonus (NCB) if you haven’t registered any claim on each renewal. 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 scratch.
By renewing your policy timely, you can avail the benefits of coverage provided without any interruption. 1. A benefit that is added to your insurance on a renewal is 10%/25% of No Claim Bonus (NCB) and the percentage of no claim bonus is based on the plan variant you choose. 2. Some coverages like maternity and critical illness have a waiting time of 4 years. If you haven’t applied for an up-to-date renewal, then the waiting period begins again with the scratch.
Yes, the plan allows the option of premium payment on a monthly, quarterly, half-yearly, and annual basis.
pre-policy medical checkup varies on the age and sum insured opted by the policyholder. Generally, a pre-policy medical checkup typically has a few blood and urine tests, ECG reports, TMT, 2D echo, Sonography, etc.
The HDFC Health Suraksha plan allows for a younger spouse to be a proposer. However, the premium calculation is based on the age of the eldest family member proposed.
Donor expenses such as screening, organ harvesting, and donor hospitalization are covered in the case of organ transplantation.
The initial waiting period under HDFC Health Suraksha is for 30 days in which the policyholder will not get any benefit from the policy.

Conclusion

A comprehensive and flexible health plan with high coverage and global benefits, suitable for famili

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