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.
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 |
HDFC 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.
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:
Covers | Silver Smart Plan | Gold Smart Plan | Platinum Smart Plan |
Basic Sum Insured Options |
|
|
|
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 |
|
Air Ambulance Cover | Not covered | Max. 2 Lacs | Max. 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 ChargesRs. 5,000 | 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 |
Non-Medical Expenses Cover | Optional | Optional | Optional |
Extended Cumulative Bonus | Optional
| Optional
| Optional
|
Room Rent Modification Option | OptionalN/A | N/A | N/A |
Co-payments | 10% or 20% | 15% or 25% | 15% or 25% |
My: health Critical Illness add on | Optional | Optional | Optional |
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 |
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.
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:
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:
Cashless facility is 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:
All the medical expenses incurred in the treatment of the insured 60 days before the hospitalization get coverage under HDFC my: health Suraksha Plans.
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.
Insured gets coverage for all the daycare procedure expenses within the policy tenure.
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.
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.
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:
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.
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.
A cumulative bonus of 10% to 25% of the basic sum is provided to the insured if:
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.
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 |
1-4 | 0.50% |
5-8 | 1.00% |
9-12 | 2.00% |
13-16 | 3.0% |
17-26 | 6.00% |
27-36 | 7.50% |
Above 36 | 10.00% |
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.
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:
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