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HDFC ERGO Koti Suraksha is a health insurance plan that provides a sum insured of up to INR 1 crore. The Koti Suraksha Plan by HDFC ERGO Insurance Company is divided into two sections. Section A offers health cover with an add-on critical illness cover, while Section B provides a separate health cover with a floater option and Hospital Cash Benefit. Koti Suraksha offers a cover of Rs. 1 crore at affordable premiums. Investing in a one-crore insurance plan is crucial to combat rising medical inflation and protect yourself and your family.
HDFC ERGO Koti Suraksha covers medical expenses such as COVID-19, hospitalization, surgery, daycare procedures, AYUSH treatment, and more. It is not just a simple healthcare plan but also a wellness partner, providing value-added services like access to nutrition, fitness, and psychological counseling via a health coach, along with discounts on OPD, pharmacy bills, and diagnostic centers.
HDFC ERGO Koti Suraksha is available in Platinum and Titanium options, offering different coverage choices. It also provides optional covers like overseas treatment and emergency worldwide coverage to support policyholders in times of adversity.
| PLAN DETAILS |
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Koti Suraksha Plan |
Critical Care Plan |
| Product Type | Individual and Family Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Covered | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Not Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Not Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Not Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Not Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Not Covered |
| Hospital_network (Number of Hospital Network in city) |
15000 | 15000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Not Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Not Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Covered | Not Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | Not Covered |
| Plan Entry Age | Minimum: 18 years Maximum: 65 years | 18 to 65 years |
| Plan Premium Entry Age and S/A | 11285 | 4088 |
| Plan Waiting Period | 30 | 90 |
| Plan Coverage | Individual/Family Floater | Individual & Family floater cover |
| Plan Sample Premium | 11285 | 4088 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1/2/3 Years | 1/2/3 years |
| ICU Charges | Covered | Not Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Not Covered |
| Automatic Restoration | Covered | Not Covered |
| Ayush Treatment | Covered | Not Covered |
| Modern Treatment | Not Covered | Not Covered |
| E Consultation | Not Covered | Not Covered |
| Air Ambulance | Covered | Not Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 95.30 | 98 |
| Solvency Ratio | 2.00 | 1.76 |
|
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