Network hospitals
12000+
Claim settlement ratio
98.49%
Sum insured
2 CR
No. of Plans
7
Solvency Ratio
1.68
Pan India Presence
200+
Network hospitals
12000+
Claim settlement ratio
98.49%
Sum insured
2 CR
No. of Plans
7
Solvency Ratio
1.68
Pan India Presence
200+
HDFC Ergo Health Suraksha Plan is a comprehensive plan that aims at providing 360-degree protection against the rising medical expenses. This plan offers you the best and is specifically designed for individuals, families, and senior citizens. With this plan, you can protect your family against any unforeseen illnesses and accidental injuries. HDFC Ergo Health Suraksha offers multiple Sum Insured options ranging from Rs. 3 Lakh to Rs. 75 Lakhs and is available under three variants named Silver Smart, Gold Smart & Platinum Smart Plans.
HDFC Ergo Health Suraksha delivers several features like in-patient hospitalization, pre and post-hospitalization, domiciliary hospitalization, daycare treatment, and more. Moreover, it offers exclusive benefits such as Air ambulance cover, Recovery benefit, and Infertility cover, along with Wellness benefits like fitness discount during renewal, Health incentives for maintenance of health. Also, Flexi benefits like choosing room rent capping and co-pay to avail discounts on premium. Some discount options are also offered like a family discount, long-term policy discount, and loyalty discount.
HDFC Ergo Health Insurance Plan Detailed Review
Child Entry Age
91 days to 25 years
Adult Entry Age
18 to No age bar
Plan Type
Individual/Family Floater
Policy Term
1/2/3 years
Initial Waiting Period
30 days
Sum Insured
3 L | 4 L | 5 L | 7.5 L | 10 L| 15 L | 20 L | 25 L | 50 L | 75 L
*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 wide coverage options, HDFC Ergo My Health Suraksha Plan lets you customize your health insurance plan as per your requirements
SI OPTIONS: 3L-5L
Room Rent
Available
ICU Charges
Available
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
Not Covered
Cataract
Not Covered
No Claim Bonus
Up to 100% of SI
Automatic Restoration
Available
Daily Hospital Cash
Up to 2K
Organ Donor
Covered
Maternity Cover
Not Available
New Born Baby Cover
Not Available
AYUSH Treatment
Covered
IVF Treatment
Not Available
Modern Treatment
Not Available
Ambulance
Covered up to 2K
Air Ambulance
Not Available
Compassionate Travel
Not Available
Global Coverage
Not Available
E-Consultation
Not Available
Health Check-Up
Available
Second Medical Opinion
Not Available
Vaccination
Not Available
Limitations
Co-payment
Not applicable
Sub-limits
Not available
SI OPTIONS: 7.5L-15L
Room Rent
Available
ICU Charges
Available
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
Not Covered
Cataract
Not Covered
No Claim Bonus
Up to 100% of SI
Automatic Restoration
Available
Daily Hospital Cash
Up to 5K
Organ Donor
Covered
Maternity Cover
Not Available
New Born Baby Cover
Not Available
AYUSH Treatment
Covered
IVF Treatment
Not Available
Modern Treatment
Not Available
Ambulance
Covered up to 3.5K
Air Ambulance
Covered Up to 2L
Compassionate Travel
Not Available
Global Coverage
Not Available
E-Consultation
Not Available
Health Check-Up
Available
Second Medical Opinion
Not Available
Vaccination
Not Available
Limitations
Co-payment
Not applicable
Sub-limits
Not available
SI OPTIONS: 20L-75L
Room Rent
Available
ICU Charges
Available
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
Not Covered
Cataract
Not Covered
No Claim Bonus
Up to 200% of SI
Automatic Restoration
Available
Daily Hospital Cash
Up to 7.5K
Organ Donor
Covered
Maternity Cover
Not Available
New Born Baby Cover
Not Available
AYUSH Treatment
Covered
IVF Treatment
Not Available
Modern Treatment
Not Available
Ambulance
Covered up to 15K
Air Ambulance
Covered Up to 5L
Compassionate Travel
Not Available
Global Coverage
Not Available
E-Consultation
Not Available
Health Check-Up
Available
Second Medical Opinion
Not Available
Vaccination
Not Available
Limitations
Co-payment
Not applicable
Sub-limits
Not available
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:
Status under HDFC Ergo My Health Suraksha Plan?
Under HDFC Ergo My Health Suraksha Plan, the room rent is covered at the actual price.
It is a special department in the hospitals where patients with serious medical conditions are treated.
Status under HDFC Ergo My Health Suraksha Plan?
Under this plan, ICU charges coverage is available covered at the actual price.
Medical expenses incurred before the hospitalization of the policyholder.
Status under HDFC Ergo My Health Suraksha Plan?
This plan covers medical expenses incurred during pre-hospitalization for up to 60 days.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Status under HDFC Ergo My Health Suraksha Plan?
This plan covers medical expenses incurred during post-hospitalization for up to 180 days.
Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get the financial coverage.
Status under HDFC Ergo My Health Suraksha Plan?
Under HDFC Ergo My Health Suraksha Plan, domiciliary hospitalizations are covered.
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Status under HDFC Ergo My Health Suraksha Plan?
This plan covers expenses of daycare procedures.
The cost of doctor consultation and prescribed medical tests that may not require hospitalization.
Status under HDFC Ergo My Health Suraksha Plan?
Not covered under the plan.
Covers the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.
Status under HDFC Ergo My Health Suraksha Plan?
COVID-19 treatment cover is not available under this plan.
A common eye condition in which your vision gets blurred.
Status under HDFC Ergo My Health Suraksha Plan?
The plan does not cover Cataract Treatment.
For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as no-claim bonus on policy renewal. However, in the case of claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.
Status under HDFC Ergo My Health Suraksha Plan?
The plan offers a maximum of up to 200% of the sum insured.
Automatic restoration is a benefit in which the insurance company restores the total sum insured after it gets fully exhausted in treatments.
Status under HDFC Ergo My Health Suraksha Plan?
The plan does offer automatic restoration as an add-on cover offering instant addition of 100% basic sum insured on complete or partial utilization of your sum insured.
It is a cash amount that you will get each day during the time of hospitalization.
Status under HDFC Ergo My Health Suraksha Plan?
The daily hospital cash is available under this policy but has a limit of room rent per day explained in the given table.
Your health plan will cover the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Status under HDFC Ergo My Health Suraksha Plan?
Under the plan, Organ Donor expenses are covered.
It refers to the cover that includes expenses for normal and c-section procedures deliveries.
Status under HDFC Ergo My Health Suraksha Plan?
The maternity cover is unavailable in this plan.
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 new born cover and these common treatments can vary from plan to plan:
Status under HDFC Ergo My Health Suraksha Plan?
Not covered under this plan
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Status under HDFC Ergo My Health Suraksha Plan?
AYUSH treatment is covered under this plan up to 5 L depending on the opted SI explained in the table.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Status under HDFC Ergo My Health Suraksha Plan?
Not available
Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.
Status under HDFC Ergo My Health Suraksha Plan?
Modern Treatment is not covered.
An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.
Status under HDFC Ergo My Health Suraksha Plan?
This plan covers ambulance charges as given below:
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Status under HDFC Ergo My Health Suraksha Plan?
Covered up to 5L depending on the SI opted by policyholder explained in the table
Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.
Status under HDFC Ergo My Health Suraksha Plan?
Not available
Any kind of medical/health emergency when you are outside of India.
Status under HDFC Ergo My Health Suraksha Plan?
Not available
If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
Status under HDFC Ergo My Health Suraksha Plan?
The plan does not cover the expenses for E-consultation.
A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.
Status under HDFC Ergo My Health Suraksha Plan?
The plan offers a Health Check-up benefit annually.
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.
Status under HDFC Ergo My Health Suraksha Plan?
The plan does not cover expenses for Second Medical Opinion.
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Status under HDFC Ergo My Health Suraksha Plan?
The plan does not offer vaccination coverage.
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.
Coverage status under HDFC ERGO Optima Restore Plan?
Not applicable
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 pay by the policyholder.
Coverage status under HDFC ERGO Optima Restore Plan?
No sub-limits are available.
Permanent Exclusions | Coverage after Waiting Period
Permanent diseases or health conditions that are not included under My Health Suraksha Plan are:
Hospitalization out of war, riot, strike, and 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 certain time period. Read the details below:
Listed ailments after 2 Years
Pre-existing diseases after 3 Years
Earn rewards by staying fit
Avail enhanced protection with additional coverage options
Get tax relief under section 80D
Avail Family and Long-Term Discounts
The plan lets policyholders accumulate healthy weeks and earn up to a 10% discount on renewal premiums if they follow a healthy lifestyle and stay fit.
The plan offers several optional covers that allow you to get enhanced coverage and help you to customize your plan as per your needs and requirements.
Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.
The plan offers several discounts if one chooses to opt for a long-term policy or add more than 1 family member to their policy. The discounts available under the plan are as follows:Avail 10% on the premium if 2 or more of any of eligible family members are covered under an individual sum insured policy Avail 10% on lower of the premium amongst all of the active policies held by the customer as loyalty discount on owning more than 1 product. A discount of 7.5% and 10% will be offered in case a policy is purchased for a 2-year and 3-year tenure respectively.
There are 9 other plans offered by the HDFC ERGO Health Insurance along with HDFC ERGO My Health suraksha Health Insurance. Take a look below to explore them:
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
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
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
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
An individual and family health plan providing SI of up to 1 crore to prepare you to meet constantly increasing medical inflation.
Unique Features
Avail of extra cover to meet medical expenses without any limitations by purchasing this deductible-based top-up plan.
Unique Features
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
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
Provides comprehensive medical coverage to individuals and families with different budgets by offering SI options ranging from 5 Lakhs to 50 Lakhs.
Unique Features
Get 4X coverage* without any extra cost under this comprehensive health plan for individuals and families.
Unique Features
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.
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 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&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.
See More Health Insurance Articles
See More Health Insurance Articles
Aadhya Kapoor
Agra
October 4, 2023
I trust Policyx.com for insurance advice, and HDFC Ergo Health Insurance was the right choice for my family.
Yashika Khanna
Pune
October 4, 2023
Policyx.com s partnership with HDFC Ergo Health Insurance is a winning combination for anyone seeking quality coverage.
Vrinda Chauhan
Patna
October 4, 2023
HDFC Ergo Health Insurance, suggested by Policyx.com, offers comprehensive coverage at a reasonable price.
Vidyut Sharma
Rajkot
October 4, 2023
Policyx.com s expertise in insurance guided me towards HDFC Ergo Health Insurance, a wise investment.
Vidisha Gupta
Pune
October 4, 2023
I couldn t have chosen a better health insurance provider than HDFC Ergo, and Policyx.com led me to them.
Veer Singh
Patna
October 4, 2023
Policyx.com s services, combined with HDFC Ergo Health Insurance, have ensured our health and well-being.
Varsha Verma
Agra
October 4, 2023
Thanks to Policyx.com, I made an informed decision by choosing HDFC Ergo Health Insurance for my family.
Vaishali Sahu
Raipur
October 4, 2023
Policyx.com is where I found HDFC Ergo Health Insurance, and I ve been a satisfied customer ever since.
You May Also Know About
*T&C Apply