HDFC ERGO My Health Suraksha
About the HDFC ERGO My Health Suraksha
HDFC ERGO is a joint venture between HDFC and ERGO International AG. ERGO International AG is an insurance subsidiary of the Munich Re Group of Germany that is present in the same domain in Germany under the BFSI sector. HDFC owns a 51% share and ERGO International AG owns a 49% share.
One can get several insurance products from HDFC Smart, including health insurance, motor, home, personal, travel, personal accident, and cybersecurity. These insurances are also designed for individuals, retail, corporates, rural sectors, and families.
According to the official reports, the claim settlement ratio reported by HDFC ERGO is 86.52%. The organization also provides coverage for the treatment of COVID-19. There is an in-house claim settlement team available with a hospital network of over 10,000 hospitals. The policy also comes with a lifetime renewability feature.
One of the most popular health insurance products by HDFC ERGO is its HDFC ERGO Health Suraksha policy. This My Health policy provides several sum insured options that range from Rs.3 lakh to Rs.75 lakh.
There are also three variants available of this policy, including Silver Smart, Gold Smart, and Platinum Smart. These plans provide protection to individuals of all ages and with lifetime renewability. The plan has comprehensive coverage advantages.
Customers can also choose to pay the yearly premium in 3, 6, or 12 equal installments. The long-term policy option of up to 3 years comes with an affordable premium amount and amazing benefits. We will look at this plan in detail in the upcoming sections.
The HDFC ERGO My Health Suraksha health insurance plan provides proper and comprehensive coverage to its policyholders. The plan includes several features and benefits, including in-patient hospitalization, pre-hospitalization, post-hospitalization, domiciliary hospitalization, and daycare treatment coverage.
Apart from these advantages, one can also get several other features like air ambulance cover, infertility cover, recovery benefit, wellness feature, and fitness discount. The fitness discount can be used at the time of renewing the policy.
To get further discounts on the policy premium, one can also choose to get a room rent capping feature or a co-payment option. Other discounts available with this policy are family discount, loyalty discount, and long-term policy discount.
If an individual decides to purchase this policy, then he or she would get rid of medical treatment worries, opt for 360-degree protection, and can live a comfortable life. This policy is ideal for individuals, families, and senior citizens.
As mentioned above, there are three variants of this policy. We will now look at the features of all these variants in detail. You can go through the table that is mentioned below to learn more about the HDFC ERGO My Health Suraksha plan variants.
|
Parameter |
My Health Silver Smart Suraksha Health Insurance |
My Health Gold Smart Suraksha Health Insurance |
My Health Platinum Smart Suraksha Health Insurance |
|
Total Sum Insured |
Rs.3 lakh, Rs.4 lakh, and Rs.5 lakh |
Rs.7.5 lakh, Rs.10 lakh, and Rs.15 lakh |
Rs.20 lakh, Rs.25 lakh, Rs.50 lakh, and Rs.75 lakh |
|
Lifetime Renewability |
Yes |
Yes |
Yes |
|
Health Incentives for Maintaining Good Health |
Yes |
Yes |
Yes |
|
Long Term Policy Options with Affordable and Attractive Premium Rates |
Yes, up to 3 years |
Yes, up to 3 years |
Yes, up to 3 years |
|
Number of Installments for Paying Premium |
3, 6, and 12 equated installments |
3, 6, and 12 equated installments |
3, 6, and 12 equated installments |
|
Co-Payment (Optional for Discounts on Premium) |
Yes |
Yes |
Yes |
|
Family Discount |
Yes |
Yes |
Yes |
|
Long-Term Policy Discount |
Yes |
Yes |
Yes |
|
Loyalty Discount |
Yes |
Yes |
Yes |
|
Fitness Discount at Renewal |
Yes |
Yes |
Yes |
|
Recovery Benefit |
Yes |
Yes |
Yes |
|
In-Patient Hospitalization Benefit (Including Medical Expenses, Room Rent, Nursing Charges and Boarding Charges) |
Yes |
Yes |
Yes |
|
Intensive Care Unit or ICU Coverage |
Yes |
Yes |
Yes |
|
Consultation Fee Coverage |
Yes |
Yes |
Yes |
|
Anesthesia, Blood, Oxygen, Operation Theatre, and Surgical Appliance Charges Cover |
Yes |
Yes |
Yes |
|
Medicines, Drugs, and Consumables Cover |
Yes |
Yes |
Yes |
|
Diagnostic Procedure Cover |
Yes |
Yes |
Yes |
|
Mental Healthcare Cover |
Yes |
Yes |
Yes |
|
Home Healthcare Coverage |
Yes |
Yes |
Yes |
|
Domiciliary Hospitalization Cover |
Yes |
Yes |
Yes |
|
Pre-Hospitalization Cover |
Yes, up to 60 days |
Yes, up to 60 days |
Yes, up to 60 days |
|
Post-Hospitalization Cover |
Yes, up to 180 days |
Yes, up to 180 days |
Yes, up to 180 days |
|
Day-Care Treatment Cover |
Yes |
Yes |
Yes |
|
Road Ambulance Cover |
Yes |
Yes |
Yes |
|
Organ Donor Cover |
Yes |
Yes |
Yes |
|
Alternative Treatment Cover |
Yes |
Yes |
Yes |
|
Ayurveda, Yoga, Unani, Siddha and Homeopathy (AYUSH) Cover |
Yes |
Yes |
Yes |
|
Recovery Benefit |
Yes |
Yes |
Yes |
|
Cost of Prosthetics and other Devices or Equipment, if Implanted during Surgical Operation |
Yes |
Yes |
Yes |
|
Sum Insured Rebound |
Yes |
Yes |
Yes |
|
Preventive Health Check-Up Booster |
Yes |
Yes |
Yes |
|
Access to My Health Active |
Yes |
Yes |
Yes |
|
Wellness Services |
Yes |
Yes |
Yes |
|
Cumulative Bonus |
10% or 25% of the Basic Sum Insured |
10% or 25% of the Basic Sum Insured |
10% or 25% of the Basic Sum Insured |
|
Access to My Health Coach through My Health Mobile Application |
Yes |
Yes |
Yes |
|
Optional Cover for Parent and Child Care |
Yes |
Yes |
Yes |
|
Maternity Expenses Cover |
Yes |
Yes |
Yes |
|
OPD Treatment Cover |
Yes |
Yes |
Yes |
|
Infertility Treatment Cover |
Yes |
Yes |
Yes |
|
New Born Baby Cover |
Yes |
Yes |
Yes |
|
Vaccination Charges Cover |
Yes |
Yes |
Yes |
|
Non-Medical Expense Coverage |
Yes |
Yes |
Yes |
|
Option to Modify Waiting Period |
Yes |
Yes |
Yes |
|
Extended Cumulative Bonus |
Yes |
Yes |
Yes |
|
Option to Modify Room Rent |
Yes |
Yes |
Yes |
|
My Health Critical Illness Add-On |
Yes |
Yes |
Yes |
|
Proportionate Deduction |
Yes |
Yes |
Yes |
|
Premium Calculation Factors |
Depends on Entry Age, Sum Insured, Additional Child, and City of Residence |
Depends on Entry Age, Sum Insured, Additional Child, and City of Residence |
Depends on Entry Age, Sum Insured Option, Additional Child Inclusion, and City of Residence |
There are several reasons why an individual might be interested in purchasing this health insurance policy. Some of those reasons are:
- No capping of room rent
- Sum insured rebound benefit
- Free health check-ups every year
- Getting cashless home health care treatments
HDFC ERGO My Health Suraksha Health Insurance policy is a very comprehensive policy. However, there are still some inclusions in this policy that stand out. These features are:
- In-patient hospitalization cover
- Pre-hospitalization cover
- Post-hospitalization cover
- Organ donor expenses coverage
- Road ambulance expenses
- Sum insured rebound option available
Till now, we have seen what this policy provides you with. The next step is to see what is not included in this policy. You can go through the list for the same below.
- Treatment of self-inflicted or intentional injury
- Cosmetic surgery or plastic surgery cost
- Treatments related to miscarriage or pregnancy
- Treatments related to weight control program and obesity
- Unproven or experimental treatments
- Injuries caused due to participating in defense operations
- Treatment for sexually transmitted or venereal diseases
- Injuries caused due to riot, war, revolt, revolution and rebellion
- Injuries related to adventure sports
- There is a waiting period of 48 months in case parent and child care cover booster
- To avail of treatment for pre-existing conditions, a waiting period of 36 months is applicable
- There are some illnesses and procedures that have a waiting period of 24 months from the date of issuance of the policy
- There is also a general waiting period of 30 days applicable from the date of issuance of the policy
The HDFC ERGO My Health Suraksha Health insurance is one of the best plans that you can buy right now. This plan provides excellent coverage in times of need and has comprehensive coverage with several benefits.
There are also different medical add-on features and booster benefits that policyholders can get to enhance the coverage of their plan. The coverage under this plan can be provided to self, spouse, dependent children, dependent parents, dependent parents-in-law, and other familial relationships. This is only valid for a family floater plan.
One of the major benefits of purchasing this policy is that it doesn’t just provide coverage during medical emergencies but can also help policyholders gain profit over time. On top of all this, there are several types of discounts that one can get to lower the premium amount without hampering the kind of services that they will be receiving in the future.
Till now, thousands of customers have bought the HDFC ERGO My Health Suraksha insurance plan. Most of those customers have loved the policy and given it quite a high rating. You can go through some of those reviews given below.
- Online Services by Mithun Bhatt (5 stars / 5 stars): I am a huge advocate for protecting the environment in whatever way we all can. And it makes me very happy to see the kind of steps that HDFC ERGO is taking to work towards the same goal while providing excellent insurance policies to its customers. I have been a policyholder of HDFC ERGO My Health Suraksha plan for years now and I will be renewing the policy for a long time to come.
- Affordable Premium and Excellent Facilities, says Nayan Mar (5 stars / 5 stars): I became an HDFC ERGO My Health Suraksha policyholder two years back and this policy has been a lifesaver for me since then. Sadly, I went through a medical emergency a few months ago and HDFC ERGO came through. Not once did I have to fret about the medical bills or the treatments that I would be receiving. Everything was handled efficiently. I couldn’t ask for better services. Good job!
- Amazing Hospital Network, says Rahul Choksi (5 stars / 5 stars): I have motor insurance by HDFC ERGO which is why I didn’t hesitate to buy the HDFC ERGO My Health Suraksha plan. And I have to say that HDFC ERGO again did not disappoint. I have opted for cashless services till now and all of that has been very good and easy for me. I would definitely recommend you to purchase this policy too.
HDFC ERGO My Health Suraksha FAQs
What are some add-on enhancement features that I can buy with my HDFC ERGO My Health Suraksha health insurance?
Some add-on benefits that you can get with your HDFC ERGO My Health Suraksha health insurance plan are:
Parent and child care cover booster: This would include coverage for pregnancy, infertility treatments, and childbirth
Non-Medical Expenses Additional Cover: All non-medical expenses during hospitalization will be covered
Extended Cumulative Bonus: This add-on benefit would enhance the effectiveness of the cumulative bonus cover at just a little extra premium amount
Room Rent Modification Option: The limits associated with the HDFC ERGO My Health Suraksha health insurance plan can be modified up to two limits. In the first limit, the sum insured for room rent is up to Rs.5,000 per day, and in the second limit, the sum insured for room rent is up to Rs.10,000 per day
What are the sum insured options available under the HDFC ERGO My Health Suraksha policy?
The sum insured value can range from Rs.3 lakh to Rs.75 lakh in the HDFC ERGO My Health Suraksha policy. There are also different variants of this policy.
What are the minimum and maximum entry age applicable for the HDFC ERGO My Health Suraksha health insurance plan?
The minimum entry age for HDFC ERGO My Health Suraksha health insurance policy is 18 years. There is no maximum entry age limit. Further, coverage provided for dependent children can only be provided if the child is between 3 months to 25 years of age.
I want to get a family floater coverage for my HDFC ERGO My Health Suraksha health insurance plan. Who all can get covered in my family regarding the same?
Under the family floater option of the HDFC ERGO My Health Suraksha plan, the following family relations can be insured under the plan.
Proposer
Spouse
Dependent children
Dependent parents
Dependent parents-in-law
Grandmother
Grandfather
Grandson
Granddaughter
Daughter-in-law
Son-in-law
Sister
Brother
Sister-in-law
Brother-in-law
Nephew
Niece
