My Health Suraksha Smart Plan
vs
Bajaj Allianz Herizon Care
- 100+ top health insurance plans
- Premium starting @Rs. 19/day*
- No medical check-ups required
| PLAN DETAILS |
3128-1730267377.webp){kind=logo} My Health Suraksha Smart Plan |
 Bajaj Allianz Herizon Care |
| Premium Including GST | ||
| Product Type | Individual and Family Health Insurance | Individual |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Covered | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
12000 | 18400 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Not Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | Available |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Covered | Available |
| Plan Entry Age | 18 Years to No age limit | Adult 18 – 80 years, Child Day 90 to 35 years |
| Plan Premium Entry Age and S/A | NA | 2845 |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | Individual/Family floater | - |
| Plan Sample Premium | NA | 2845 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1, 2, 3 years | 1/2/3/4/5 year/s |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Covered | Not Covered |
| Ayush Treatment | Covered | Not Covered |
| Modern Treatment | Not Covered | Covered |
| E Consultation | Not Covered | Covered |
| Air Ambulance | Covered | Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 98.59 | 93.54 |
| Solvency Ratio | 1.7 | 3.6 |
HDFC ERGO Health Suraksha Plan is a comprehensive plan from the house of HDFC ERGO Insurance Company that aims at providing 360-degree protection against 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 discounts during renewal and health incentives for the 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.
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