Serving your health care needs over a decade, we at HDFC ERGO now understand your medical requirements. Hence, keeping in mind your growing need to secure exhaustive medical contingencies, we’ve launched my:health Suraksha - a simplified yet wholesome health insurance plan which suits everyone. By settling One claim every minute, HDFC ERGO Health Insurance knows the importance of time. Designed with a robust thought and a strong base coverage, my:health Suraksha is a delight for individual, families and senior citizens looking for the right health cover.
Worried that you can’t afford a hospital room of your choice with your insurance plan? With my:health Suraksha you can bank in healthcare comforts.
Worried about sum insured shortage to treat illnesses? With sum insured rebound cover, you get additional sum insured upto the base sum insured even if your existing sum insured exhausts.
Free Health Check-up every yearPrevention is better than cure! For every renewal we offer free health check-ups so that you are healthier and happier always.
Cashless Home HealthcareGuess what if your doctor recommends in-home treatment, you can avail medical attention at home without paying a penny! Thanks to our ""cashless care facility for home treatments.
Get additional sum insured equivalent to the admissible claim amount upto a maximum of the basic sum insured.
Your hospitalization lasted for just a day that doesn’t mean it remains excluded. We cover 586 day care procedures.
Before hospitalisation,there are expenses towards doctor consultations,check-ups and prescriptions. We provide full coverage of such expenses 60 days prior to hospitalisation.
Get full coverage of expenses incurred on doctor consultations,rehabilitation charges etc. till 180 days after discharge from hospital.
If any of the insured member suffers from mental illness,the expenses for hospitalization gets covered.
If your doctor recommends treatment at home,you can avail the services right at your home that too with ""cashless facility.
Everything from bed-charges,nursing charges,blood tests,ICU and consultation fees gets covered effortlessly.
Transfer from hospital to home in an ambulance (within the same city) is also covered if the insured encounters life-threatening medical emergency.
For a noble deed as organ donation,we cover the organ harvesting expenses incurred to the donor in case the insured has to undergo organ transplant.
We support the healing powers of Ayurveda,Unnani,Sidha and Homeopathy treatment. No matter what type of treatment you prefer,we are always there for you in the time of need.
We pay out a lump sum amount of Rs.15000 as recovery benefit if hospitalization exceeds 10 continuous days so that taking care of household expenses doesn’t stress you out.
In case of an emergency that requires air ambulance services like airplane or helicopter to the nearest hospital,we get it covered seamlessly.
× In-Patient treatmentHospital stays can be disheartening but we make everything easy and comfortable. You can avail full coverage without any limitations of diseases covered or on room rents.
× Pre-hospitalizationBefore hospitalisation,there are expenses towards doctor consultations,check-ups and prescriptions. We provide full coverage of such expenses 60 days prior to hospitalisation.
× Emergency AmbulanceAbsence of timely help can prove fatal. Our policy pays transportation expenses to help reach the nearest hospital, if the insured encounters life-threatening injuries
× Air AmbulanceAdventure sports can give you an adrenaline rush,but when coupled with accidents, they can be hazardous. Our policy does not cover accidents encountered while participating in adventure sports.
You might think of causing injury to your precious self,but we don’t want you to hurt yourself. Our policy does not cover self-imposed injuries.
War can be disastrous and unfortunate. However,our policy does not cover any claim that are caused due to wars.
Our policy does not cover accidents while you are participating in defense (Army/Navy/Air Force) operations.
We do understand the criticality of your disease. However,our policy does not cover venereal or sexually transmitted diseases.
Treatment of obesity or cosmetic surgery is not eligible for coverage under your insurance policy.
For detailed inclusion and exclusion please refer the sales brochure/policy wordings
Few illnesses & treatments are covered after 2 years of policy issuance.
Declared and/or accepted pre-existing conditions at the time of application will be covered after first 3 years of continual renewals.
Only accidental hospitalisations shall be admitted.
× First 24 Months From Policy InceptionFew illnesses & Treatments are covered after 2 years of consecutive renewals for elaborate list refer policy wordings
× First 30 DaysExcept accidental hospitalisations no claims shall be admitted during the 1st 30 days of the trip
Our Cashless
Hospital Network
Seamless & Easy Claims! Assured
Secured Over #1.6 Crore+ Smiles!
Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.
Why HDFC ERGO?All the support you need-24x7
We understand that in times of distress, instant help is the need of the hour. With our 24x7 customer care and dedicated claims approval team, we ensure to be your constant support system in times of need.
Why HDFC ERGO?Transparency In Every Step!
Claims is the most important part of insurance policy and we attach maximum importance to seamless claims process.
Why HDFC ERGO?We go beyond health insurance, caring for your body as well as mind. my:health services application will help you embrace a healthy lifestyle. Get your health card, track your calorie intake, monitor your physical activity and enjoy well-being at its best.
Why HDFC ERGO?We don't like paperwork either. In this fast world, get your policy online with minimum documentation and easy payment methods.
Why HDFC ERGO?Secured Over 1.6 Crore+ Smiles!
Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.
All the support you need-24 x 7
We understand that in times of distress, instant help is the need of the hour. With our 24x7 customer care and dedicated claims approval team, we ensure to be your constant support system in times of need.
Transparency In Every Step!
Claims is the most important part of insurance policy and we attach maximum importance to seamless claims process.
Integrated Wellness App.
We go beyond health insurance, caring for your body as well as mind. my:health services application will help you embrace a healthy lifestyle. Get your health card, track your calorie intake, monitor your physical activity and enjoy well-being at its best.
We don't like paperwork either. In this fast world, get your policy online with minimum documentation and easy payment methods. Your policy straight-away sits in your inbox.
Although there is very little difference in the coverages of these plans,the main difference is the Sum Insured options available under each of these plans. SI options under - Silver Smart - 3,4 &5 Lacs - Gold Smart - 7.5,10 &15 Lacs - Platinum Smart - 20,25,50 &75 Lacs.
Geographical jurisdiction to avail medical treatment is India only.Home healthcare is a unique ""cashless cover whereby the insured can avail treatment at home if recommended by the treating medical practitioner towards Chemotherapy,Gastroenteritis,Hepatitis,Fever Management,Dengue etc
Immediately upon diagnosis of Illness,intimate Us with basic policy details,treatment plans and preferred date and time of initial assessment. We will inform our Home Healthcare service provider who will meet the treating medical practitioner,check if the patient requires any equipment,devices,and share the care plan and treatment cost estimation with Us. On receipt of the complete documents,we may issue an authorisation letter specifying sanctioned amount or reject the cashless request. Overall,this operates like any other ""cashless hospitalisation.
We will add to the Sum Insured,an amount equivalent to the last claim amount under the policy subject to maximum of basic sum insured only on subsequent hospitalisation of the insured person during the policy year. One can claim for same illness multiple times in the policy year,however,claim related to Chemotherapy and Dialysis will be paid only once in the lifetime of the policy. Also,balance rebound sum insured will not be carried forward to the next policy year.
No,you need not pay for pre-policy medical tests in case it is taken up at our network Diagnostic Centers. It is cashless. Only in case your policy is rejected based on adverse medical findings,50% of the pre-policy check up cost is deducted from the premium refund amount.
No,OPD is not covered under my:health Suraksha.Yes,younger spouse can be a proposer under my:health Suraksha. However,premium calculation is based on the age of eldest family member proposed.
Depending on the age and sum insured opted,pre-policy medical checkup varies. Pre-policy medical checkup typically has Medical Examination Report by the Physician,few blood &Urine tests &ECG. TMT,2D echo,Sonography etc can also be part of the PPC check up list depending on the Sum insured and age of the customer.
In case of Organ Transplantation,donor expenses like screening,organ harvesting &donor hospitalisation expenses are covered. Cost of Organ per se is not covered
Our customers have rated us with 4.4/5 Stars
I have a policy with HDFC and it has been a great experiense with HDFC team.
I have been very happy with the way my claims have been handled and resolved. Thank you!
RAJESHKUMAR KANAIYALAL MER
Hassle free claim settlment
RUPESH KUMAR SONI
KALPESHBHAI KANUBHAI BAVADIYA
Best claim settlement
VIPPERLA MALLIKARJUNA RAO
MANIK CHAND SONI
HDFC ERGO has a good health claim process. I was very happy with the claim settlement
AROGYA SANJEEVANI POLICY
I'm faizal and I want to tell you I'm very happy to got hdfc ergo service. I raised claimed which is got approved within a moments I got credited within a day.
Health Suraksha Family Policy
Very good for claim time I'm so impressed to hdfc ergo policy. intimation claim and others benefits.
Mohan Motiram Chavan
Health Suraksha Family Policy
Very good for claim time I'm so impressed to hdfc ergo policy. intimation claim and others benefits.
Karamvir Singh Sandhu
Health Suraksha Family Policy
I Am Very Happy With Hdfc Ergo Health Insuranace Since 5 Years
Lakampally Lava Kumar
my:health suraksha family
I will recommend HDFC ERGO who need health insurance.
Health Suraksha Individual Policy
Best claim stteled and Best claim document applaud my best friend and my family choose hdfc ergo health policy plans thank u
Health Suraksha Family Policy
How a car owner could "Take It Easy" with a Health insurance
AbTakeItEasy with HDFC ERGO Health Insurance" />
#AbTakeItEasy with HDFC ERGO Health Insurance
AbTakeItEasy with HDFC ERGO Health Insurance" width="200" />
