my: health Suraksha Smart Plan
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  • Medical Expenses Coverage
  • Home Health Care
  • Road Ambulance Cover
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HDFC ERGO my: health Suraksha Smart Plan

my: health Suraksha Smart plan has been recently launched by the HDFC ERGO health insurance company. The plan is best to serve your needs. This health insurance plan has strong base coverage and a smooth claim settlement process. Now, let us explore more about my: health Suraksha Plans.


ProposerAdult DependantChild/ Children
Minimum Entry Age: 18 YearsMinimum Entry Age: 18 YearsMinimum Entry Age: 91 Days
Maximum Entry Age: Lifetime EntryMaximum Entry Age: Lifetime EntryMaximum Entry Age: 25 Years
Maximum Age Entry For Add on Covers:Maximum Entry Age: 65 YearsMaximum Entry Age: 65 Years
Parents & Child Care Cover - Basic & Booster - Entry Age up to 45 YearsParents & Child Care Cover - Basic & Booster - Entry Age up to 45 Years

Types Of my: health Suraksha Smart Plans

HDFC 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 Silver, Gold & Platinum Smart Plans

The three variants of my: health Suraksha Smart Plan can easily meet your requirements but its very important to check which among the three suits your requirements the most. A table of comparison has been presented below for your reference and help:

CoversSilver Smart PlanGold Smart PlanPlatinum Smart Plan
Basic Sum Insured Options
  • Rs. 3 Lakhs
  • Rs. 4 Lakhs
  • Rs. 5 Lakhs
  • Rs. 7.5 Lakhs
  • Rs. 10 Lakhs
  • Rs. 15 Lakhs
  • Rs. 20 Lakhs
  • Rs. 25 Lakhs
  • Rs. 50 Lakhs
  • Rs. 75 Lakhs
Pre-Hospitalization60 Days60 Days60 Days
Post-Hospitalization180 Days180 Days180 Days
Road AmbulanceRs. 2000 For Sum Insured 3 Lacs - 5 lacsRs. 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 CoverNot coveredMax. 2 LacsMax. 5 Lacs
Recovery BenefitRs. 5,000Rs. 15,000Rs. 25,000
Cumulative BonusFor 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 BoosterCover 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 ExpenseMax limit - Parent care sum insuredMax limit - Parent care sum insuredMax limit - Parent care sum insured
Infertility TreatmentMax limit - 50% of the normal delivery sum insuredMax limit - 50% of the normal delivery sum insuredMax limit - 50% of the normal delivery sum insured
New Born baby careMax limit - Parent care sum insuredMax limit - Parent care sum insuredMax limit - Parent care sum insured
Vaccination ChargesRs. 5,000Rs. 5,000Rs. 5,000Rs. 5,000
Rs. 15,000
Waiting Period
Modification Option
Optional 3 YearOptional 3 YearOptional 3 Year
Expenses Cover
Extended Cumulative Bonus Optional
  • 25% and max 200%
  • 50% and max 200%
  • 25% and max 200%
  • 50% and max 200%
  • 50% and max 200%
Room Rent Modification OptionOptionalN/AN/AN/A
Co-payments10% or 20%15% or 25%15% or 25%
My: health Critical Illness add onOptionalOptionalOptional
My: health Hospital Cash add onRs.1,000, 2,000 on daily basisRs.3,000, 5,000 on daily basisRs.3,000, 5,000, 7,500 on daily basis

Key Features

  • The plans offer you multiple sums 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 discount 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.
my: health Suraksha Smart Plan
  • Flexible discounts like choosing room rent capping, co-pay to avail discounts on premium.
  • Various discount options are available like a family discount, long term family discount, loyalty discount.

Coverage/Benefits of my: health Suraksha Smart Plan

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 is subjected to ceratin payments at the time of taking a medical facility for each cover mentioned above.

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.

Home Health Care

Under this coverage, the insured is provided with 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 managemen
  • Hepatitis
  • Fever management

Cashless facility is available for these treatments at the network hospitals.

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.

Pre-Hospitalization Cover

All the medical expenses incurred in the treatment of the insured 60 days before the hospitalization get coverage under HDFC my: health Suraksha Plans.

Post-Hospitalization Cover

All the treatment expenses calculated in the treatment of the insured 180 days after the insured is discharged from the hospital are covered under the post-hospitalization expense.

DayCare Procedures

Insured gets coverage for all the daycare procedure expenses within the policy tenure.

Road Ambulance Cover

The ambulance cover includes the three incidents like transfer of the insured from home to the nearest hospital in the case 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.

Organ Donor Expenses

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

Alternative Treatment

HDFC my: health Suraksha Policy has special coverage for the insured. It also covers non-allopathic treatment. This includes ayurvedic, Unani, Siddha and homeopathy treatment. There are few conditions applied to this coverage that:

  • 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.

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.

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 that it has been suggested by the medical practitioner about the urgent treatment of the patient.

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

Renewal Benefits of my: health Suraksha Smart Policy

Cumulative Bonus

A cumulative bonus of 10% to 25% of the basic sum is provided to the insured if:

  • The insured has not made any claim in the expiring year.
  • Cumulative bonus is reduced at the same rate as accrued in the event of an admissible claim.
  • Cumulative bonus is provided only on continuous policy renewal.
  • In case the policy bought by the insured is for multiple years then in that case cumulative bonus accrued from the second and third year will be credited on renewal.

Preventive Health Check-up - booster

The health check-up facility is provided only within 60 days of policy anniversary/ renewal date, failing which the insured can not take the benefit of the health checkup. Other than this the insured can take health tests only for the mentioned list of tests like chest X-Ray, 2D Echo/ stress test, PSA for males, PAP smear for females, Medical Examination Report, Complete blood count, Urine R, fasting blood sugar, serum creatinine, lipid profile, and electrocardiogram.

My: Health Active

  • Fitness Discount At renewal:

    The plan also rewards the insured for keeping fit. It applies to an adult insured only. No children can get this benefit. All the healthy activities are needed to be stored in any of the health-related wearable devices which are further connected to the health application of HDFC and all the data is transferred to the insurance company for further reference and calculation

    Steps To Accumulate Healthy Weeks:

    Step 1: Download my: Health mobile App on your phone.

    Step 2: start accumulating healthy weeks by tracking physical activities through the wearable device linked to the company’s App.

    They pay the insured based on the number of healthy weeks spent after the calculations are done. Here is a table showing the range of percent discount:

    Healthy Weeks Discount

    No. of Healthy Weeks Accumulated Discount On Renewal Premium
    Above 3610.00%
  • Health Incentive:
    The insured person having pre-existing diseases or obesity will be eligible for a reduction in Medical Underwriting Loading applied on the first inception of the policy.
    • The insured person shall undergo medical tests three months before the policy year or before renewal. The required list of tests can be found in the plan brochure.
    • The cost of medical tests is to be borne by the insured and the test should be updated on my: health mobile app.
    • According to the test results, if the test parameters are within normal limits, the insured gets a 50% discount on the Medical Underwriting Loading for corresponding Pre-existing disease or obesity as applicable at the time of renewal of the policy.
  • Wellness services:
    The insured can avail the facility of wellness coach who will keep track of the nutrition, fitness, and exercise of the insured.

Optional Covers of my: health Suraksha Smart

The section comprises of cover for Maternity expenses, OPD treatment, Infertility treatment, Newly born bay care, and Vaccination cover of a newly born baby for the first year.

Waiting Periods

  • General Waiting Period: A general waiting period of 30 days is applied from the date of the inception of the policy and no claim other than an accidental is accepted during that period.
  • First 24 Months From Policy Inception: A waiting period of 24 months is applied for illnesses and surgical procedures like cataract, pancreatitis, skin tumors, all form of cirrhosis, tonsilitis surgery, perianal abscesses, etc.
  • First 36 Months From Policy Inception: For all the pre-existing conditions/ illnesses there is a waiting period of 3 years.


  • Adventure sports Injury
  • Self Inflicted Injury
  • War
  • Participation In Defence Operation
  • Venereal or Sexually Transmitted Diseases
  • Treatment Of Obesity/ Cosmetic Surgery
  • Exclusion for certain illnesses mentioned in the policy

Reasons To 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. Few of them have been mentioned below:

  • No Room Rent Capping
  • Insured Rebound
  • Free health check-up every year
  • Cashless home healthcare

HDFC my: health Suraksha Plans Review

The HDFC my: health smart plans have been preferred by all age groups whether a newly born baby, an individual, a senior citizen or an entire family. Its terms and conditions are flexible and meet the requirements of the policyholders. The three silver smart, gold smart and platinum smart does not leave any of your family members uncovered. You can buy a plan with full trust for coverage.


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

The maximum sum insured limit under the HDFC my: health platinum smart plan is Rs. 75 Lakhs.

The minimum entry age limit to be included in the family floater is 91 days.

The insured can include the self, spouse, children, dependent parents, and dependent parents-in-law in the family floater plan.

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

Last updated on 18-12-2020