My: health Suraksha Smart Plan
  • Key Features Of My: Health Suraksha Smart Plan
  • Eligibility & Age Restrictions
  • Types of My: Health Suraksha Smart Plans
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HDFC Ergo My Health Suraksha Plan

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 My Health Suraksha Plan Specifications

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.

Choose your HDFC Ergo My Health Suraksha 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

In-patient & Out-patient Coverage

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

Coverage Terms

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

Alternative Treatments

AYUSH Treatment

Covered

IVF Treatment

Not Available

Modern Treatment

Not Available

Emergency Coverage

Ambulance

Covered up to 2K

Air Ambulance

Not Available

Compassionate Travel

Not Available

Global Coverage

Not Available

Wellness Programmes

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

What is Room Rent?

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:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Status under HDFC Ergo My Health Suraksha Plan?

Under HDFC Ergo My Health Suraksha Plan, the room rent is covered at the actual price.

What are ICU Charges?

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.

What is Pre Hospitalization?

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.

What is Post Hospitalization?

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.

What is Domiciliary Hospitalization?

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.

What is Daycare Treatment?

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.

What are OPD charges?

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.

What is COVID-19 Treatment?

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.

What is Cataract Treatment?

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.

What is a No-Claim Bonus?

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.

What is Automatic Restoration?

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.

What is Daily Hospital Cash?

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.

What is an Organ Donor Cover?

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.

What is a Maternity Cover?

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.

What is a New Born Baby Cover?

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:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Pre-mature delivery
  • Birth asphyxia
  • Day care treatment

Status under HDFC Ergo My Health Suraksha Plan?

Not covered under this plan

What is AYUSH Treatment?

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.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Status under HDFC Ergo My Health Suraksha Plan?

Not available

What is a Modern Treatment?

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.

What is an Ambulance Cover?

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:

  1. SI 3 lakhs to 5 lakhs - Rs. 2,000
  2. SI 7.5 lakhs to 15 lakhs - Rs. 3,500
  3. SI 20 lakhs to 50 lakhs - Rs. 3,500
  4. Above 50 lakhs - Rs.15,000
What is an Air Ambulance?

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

What is Compassionate Travel?

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

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Status under HDFC Ergo My Health Suraksha Plan?

Not available

What is E-Consultation?

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.

What is a Health Checkup?

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.

What is a Second Medical Opinion?

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.

What is Vaccination cover?

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.

What is Co-payment?

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

What is the Sub limit?

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.

HDFC Ergo My Health Suraksha Plan Exclusions

Permanent Exclusions | Coverage after Waiting Period

Permanent Exclusions

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

Coverage after Waiting Period

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

HDFC Ergo My Health Suraksha Plan Benefits

Health Returns

Earn rewards by staying fit

Optional Covers

Avail enhanced protection with additional coverage options

Tax Benefits

Get tax relief under section 80D

Discounts

Avail Family and Long-Term Discounts

Health Returns

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.

Optional Covers

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.

Tax Benefits

Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.

Discounts

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.

Explore HDFC ERGO Health Insurance

Know more about HDFC ERGO Health Insurance plans, claim process, buying process and contact details of the company by clicking on the sections below:

Explore other HDFC ERGO Health Plans

There are 9 other plans offered by the HDFC ERGO Health Insurance along with HDFC ERGO Optima Restore 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

  • One-time lump sum payment
  • No medical checkup up to 45 years
  • Lifelong renewability

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

  • Stay fit & earn reward points
  • 100% SI restoration
  • Health coach & wellness programs

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

  • Automatic SI restoration
  • Multiplier benefit
  • Free preventive health checkup

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

  • Coverage for modern treatments
  • Second opinions available
  • Coverage for follow-up care

HDFC ERGO Koti Suraksha

An individual and family health plan providing SI of up to 1 crore to prepare you to meet constantly increasing medical inflation.

Unique Features

  • Free preventive health checkup
  • Multiple wellness services
  • Up to 10% of fitness discount

Avail of extra cover to meet medical expenses without any limitations by purchasing this deductible-based top-up plan.

Unique Features

  • Constant premiums post 61 years
  • No medical checkup up to 55 years
  • 5% discount on 2-year policy term

Offers 360-degrees protection to individuals & families along with utmost flexibility by providing multiple SI options (3-75l), EMI facilities, and lifelong entry option.

Unique Features

  • Fitness discounts during renewal
  • Room rent capping and co-pay
  • Loyalty discounts, recovery benefits

My:health Women Suraksha

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

  • Pregnancy & newborn complications
  • SI options from 3L - 1 Cr
  • Free preventive health checkup

Provides comprehensive medical coverage to individuals and families with different budgets by offering SI options ranging from 5 Lakhs to 50 Lakhs.

Unique Features

  • Free health checkup
  • 2X multiplier benefit
  • 100% SI restoration

HDFC ERGO Optima Secure

Get 4X coverage* without any extra cost under this comprehensive health plan for individuals and families.

Unique Features

  • No room rent capping
  • 100% SI restoration
  • E-opinion for 51 illnesses

HDFC ERGO Health Insurance Network Hospital List

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.

Health Insurance Articles

HDFC Ergo iCan Cancer Insurance Plan FAQs

1. Can I buy a policy for my 60 years old father unde HDFC Ergo My: Health Suraksha Silver Smart Plan?

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

2. Is there a facility of air ambulance provided under the HDFC My: health Suraksha Smart Plans?

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

3. Does this plan offer any discount to its policyholder?

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.

4. Can I pay the premium of My: Health Suraksha in installments?

Yes, the plan allows the option of premium payment on a monthly, quarterly, half-yearly and annual basis.

5. Does this plan provide coverage of alternative treatments?

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.

6. What are the benefits of renewing the policy ?

  1. 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.
  2. Another benefit that is added to your insurance on renewal is 5% of No Claim Bonus (NCB) if you haven't registered any claim on each renewal.
  3. 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 the scratch.

7. What are the benefits of renewing the HDFC Health Suraksha?

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.

8. Can I pay the premium of HDFC Health Suraksha in installments?

Yes, the plan allows the option of premium payment on a monthly, quarterly, half-yearly, and annual basis.

9. What all tests are required in case of pre-policy medical checkups?

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.

10. Can a younger spouse be a proposer under HDFC Health Suraksha?

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.

11. Is Organ cost covered in the case of organ transplantation under HDFC ERGO Health Suraksha?

Donor expenses such as screening, organ harvesting, and donor hospitalization are covered in the case of organ transplantation.

12. How long is Initial Waiting Period in HDFC Health Suraksha plan?

The initial waiting period under HDFC Health Suraksha is for 30 days in which the policyholder will not get any benefit from the policy.

Read Reviews & Ratings

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sandeep singh

Chandigarh

January 12, 2023

Dnt buy any policy from Star health They are big fraud my father is admitted in hospital crucial stage they reject our claims without reason i will filled case against company in consumer court...

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Poonam Sinha

Surat

December 9, 2022

Mujhe khaas kar inki service best lagi. Policyx se mai hamesha services lungi. Maininki services se khush hu

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Anita srivastava

Delhi

December 9, 2022

Policyx helped me a lot in documentation process, I was skeptical at first but they made my work easy.

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Nishant

Lukhnow

December 9, 2022

Omg when i was buying the policies I was o skeptical. I contacted policyx and they solved my confusions and even helped in my documentations.. They are the best .

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Ayush Sharma

Nagpur

November 30, 2022

I bought policy for my family from policy x.com, The advisor is very knowledgable,he suggest me better comparisons of plan and helps me to purchase suitable one. The process was very smooth.

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Sanjay naraware

Pune

November 8, 2022

Sanjay nanaware here, first of all I appreciate Star Health for your punctuality, service, conversation and I really thanks to Mr.Sanchin pathavnkar who has suggest star health policy.

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Vishal Singh

Delhi

September 27, 2022

I want to thanks Atul Bhardwaj he suggested me good policy and provide me good comparison which help me to choose best plan...........

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Sagar Jain

Delhi

September 14, 2022

Very Good Organization, Very Decent Staff. Sales team is very good, they are following clients in proper manner

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