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. This health insurance plan has a strong base coverage and a quick, and smooth claim settlement process.
Is My: Health Suraksha a Good Option for You? The answer is Yes. 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.
There are several health insurance plans available in the market but which one to choose? We at PolicyX.com will help and guide you properly regarding this. Unfortunately, very few of us make an effort to understand the key features of health insurance plans. As we have already discussed that My: Health Suraksha is one of the best health insurance plans available in the market these days. But Why are we considering this plan? Let’s explore the key features of this plan that will help you to lead a financially healthy and secure life.
Most of the people think that health insurance plans only pay for hospitalization expenses. But this is not true. My: Health Suraksha Smart plan has several benefits that most of us are not aware of. 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,
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.
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.
This benefit offers you to restore your base sum insured automatically if you exhaust the amount during the policy term.
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.
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.
The plan covers the following medical expenses,
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
It covers medical expenses incurred during organ transplantation.
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.
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.
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'
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:
Cashless facilities are available for these treatments at the network hospitals.
Under this My: health Suraksha Plans pays for domiciliary hospitalization of the insured person subjected to the following facts:
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.
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:
|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|
We all think of availing a policy that provides us more benefits over other plans. There are a number of plans available in the market, but why do you choose the My: health Suraksha smart plan. As we have discussed, this plan has robust offerings and a good base coverage which makes it a delight for individuals, families, and senior citizens who are looking for an ideal health cover ranging from 3 lakhs to 5 lakhs.
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:
HDFC Ergo has three variants under my: Health Suraksha Smart Policy,
Individuals who fulfill the eligibility criteria mentioned in the table can buy a plan of their choice.
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|
|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 lakhs||Rs. 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|
| Waiting Period|
|Optional 3 Year||Optional 3 Year||Optional 3 Year|
|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.
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|
**Last Updated on 18-03-2021
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
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.
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|
**Last Updated on 18-03-2021
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|
**Last Updated on 18-03-2021
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.
My: Health Suraksha Gold Plan - Premium payable at different ages and at different sum insured.
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. Gold and silver are almost the same kind of plans and offer equal benefits. But if you are choosing your plan based on premiums and sum insured then no doubt you can go for My: Health Suraksha Gold Insurance Plan. But the sum insured options in Gold are more in comparison to Silver.
Let's understand why to consider the Gold Plan with an example.
There is a family of four members where Shyam and Sukriti are husband and wife with a daughter of 15 years and a son of 13 years. The age of the couple is 44 years(Shyam) and 42 years (Sukriti). Sukriti advised Shyam to invest in health insurance as they are becoming aged and also have the responsibility of two children on their shoulders. Taking health insurance will save them from getting financially paralyzed due to uninvited medical issues.
Eventually, they bought the Health Suraksha Gold Plan from HDFC ERGO with a sum insured of Rs 10 lakh for one year. According to their age and number of members included in the policy, the payable premium is Rs 27,688 per year. Also, the salaried income which Shyam was taking off ranged between Rs. 7-10 lakhs. After one year of the policy, Shyam was diagnosed with a brain tumor (critical illness) for which he took critical illness benefit as an add-on cover. This step saved his family from facing a future financial crisis. He also received a discount on the sum insured by adding his wife and two children in the policy.
Aman and Aditi are newly wedded couples and both showed interest in taking health insurance to get protection from medical uncertainties. Aman is 27 years and Aditi is 26 years of age. Aman works in TCS as a software developer holding a salary between Rs. 10-15 lakhs and lives in Delhi. The sum insured taken was Rs. 10 lakhs for one year with an annual premium payment of Rs 17,997. In the policy, they are getting cashless treatment at 351 network hospitals located in their city. As they are planning to conceive in the next 3 years, this plan will give them financial help at the time of delivery of an infant.
Now you know that HDFC Ergo is a trusted brand and good service provider and HDFC Ergo offers the two most reliable health insurance plans which are My: Health Suraksha and Optima Restore. Now while searching for a good plan, every interested insurance buyer comes with a question: what basis should we opt a plan? If the same company offers two good plans then what and how to choose? We, at PolicyX.com have tried to answer all your questions and queries that came up in your mind while choosing a health insurance plan. 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|
|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|
|No. of daycare treatments covered||144||All|
|Hospital Cash Benefit||Optional||Yes|
|Tax Benefits||Yes, U/S 80(D)||Yes, U/S 80(D)|
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|
My: Health Suraksha Vs. Optima Restore
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. Above we have discussed in detail which variant will be the best option for you, so in continuation with that, which one to choose from Optima restore and My: Health Suraksha. Both plans protect you, your family and senior citizens but here are pros and cons of each plan. Optima restore offers daily hospital cash benefit, the premium payable at the age of 30, 40, and 50 years on the sum insured Rs. 10 lakh is less in comparison to My health Suraksha. But in My Health Suraksha, the sum insured options are more because of its variants.
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 like whether you want an affordable premium plan with a good coverage amount or renewability or a hassle-free claim process. This is to remind you that HDFC ERGO is a trusted insurance provider that makes schemes keeping the benefits of the customer in mind. It is always advisable to go through your insurance company policies, plans, and brochures.
*To know all the exclusions of your plan, refer to the product brochure or directly get in touch
with your respective insurer.
There are a number of options available in the market, if you want to buy HDFC Ergo My :Health Suraksha Smart Insurance plans. While some of them do not offer a good service and security that you desire. For a quick and smooth process, consider buying plans from the company. Let’s have a look at how to sign up below:
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?
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-
There are two ways to file a claim. Let's take a look at it
Cashless Claim Settlement Process
Reimbursement Claim Settlement Process
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.
We have gone through every variant of this plan in detail, now let's sum up everything in this section. This HDFC Ergo plan offers a wide range of sum insured options from which you can choose yours as per your requirement. If you want you can also go for the little higher premiums. This pocket-friendly is rich in benefits as it does not have any sub-limits on the hospital; room rent, hospital charges of a doctor. This plan also offers a 10% family discount that is a delight for everyone who avails of this plan.
*Reviews are solely based on benefits we have discussed and on our customer's experience.
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.
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Last updated on 18-03-2021
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