HDFC Ergo My Health Suraksha Plan: No Upper Age Limit

Why Choose My Health Suraksha Plan

HDFC Ergo's health Suraksha policy is an option you can't ignore when it comes to health insurance plans. Among the three variants of the plan, Silver Smart, Gold Smart & Platinum Smart, it offers multiple sum insured options ranging from Rs. 3 lakhs to Rs. 75 lakhs. This plan is designed to provide protection to people of any age with a lifetime renewal option. You can pay a yearly premium in three, six, or twelve equal installments with the policy with comprehensive benefits at competitive premiums. This plan also offers long-term medical insurance coverage with an attractive premium rate for a period of up to three years. In order to offer comprehensive coverage to its policyholders, the plan offers features such as in-patient hospitalization, pre- and post-hospitalization, home hospitalization, and daycare treatment. Aside from these benefits, the plan also offers some beneficial elements such as air ambulance cover, recovery benefit, infertility cover, fitness discounts during renewal, and health incentives for maintaining good health. Moreover, Flexi benefits like room rent capping and co-pay to save on premiums are available. Family discounts, long-term policy discounts, and loyalty discounts are also available. Priority has always been given to health! Health Suraksha aims to protect you from soaring medical expenses. My: health Suraksha is an ideal health cover for individuals, family floater health insurance, and senior citizen health insurance with a range of 3 to 5 lacs of coverage.

Benefits of health suraksha	Explanation
Room rents are not capped	Are you concerned that your insurance plan won't cover the hospital room of your choice? You can bank on healthcare comforts with my:health Suraksha.
The rebound of the sum insured	Concerned about a shortage of sum insured to treat illnesses? If your existing sum insured exhausts, you receive an additional sum insured up to the base sum insured.
Every year, you can get a free health check-up	The best cure is prevention! In order to keep you healthy and happy, we provide free health checkups at every renewal.
Healthcare at home without cash	You can get medical attention at home without paying a dime if your doctor recommends it! The cashless care facility for home treatments is available to our patients.

Inclusions of Health Suraksha Plan

1. Rebound amount insured - You can use this magical backup to recharge your exhausted health insurance to cover the next hospitalization for a new illness or injury.
2. Bonuses cumulative - By increasing your sum insured when you do not make a claim in a policy year, we reward you with an additional sum insured.
3. Medical tests are not required for up to 45 yrs of age - HDFC ERGO offers a health insurance plan without any medical check-ups for young, healthy individuals.
4. Home health care without cash - It would be of the utmost help if your doctor recommends you can get yourself treated at home and take advantage of cashless medical services.
5. Costs associated with hospitalization - You are covered for medical hospitalization due to illnesses and injuries seamlessly by our health insurance plans.
6. Pre & post-hospitalization care - Your pre-hospitalization expenses up to 60 days after admission and post-hospitalization expenses up to 180 days after discharge are covered, including diagnostics and investigations.
7. Procedures for daycare - Today's medical advancements enable surgeries and treatments to be completed in less than 24 hours. You are also covered for that.
8. Benefits of AYUSH Treatment - As we cover hospitalization expenses for AYUSH treatment, you can continue to believe in alternate therapies like Ayurveda, Unani, Siddha, and Homeopathy.
9. Expenses associated with organ donation - The donation of organs is a noble cause, and we cover the medical and surgical costs of the organ donor
10. Benefits of Recovery - In the event that you stay in a hospital for more than 10 days at a stretch, we will cover other financial losses that may have occurred while you were away from home. During your hospitalization, it helps you cover other expenses. (Amount specified in the policy wording)
11. Healthcare for the mentally ill - Our belief is that mental health is just as important as physical illness or injury, which is why we harvest major organs for transplantation.
12. Renewal health check-up for free - When you renew your policy with HDFC ERGO, you will receive a free health check-up within 60 days.
13. Tax savings of up to 75,000 - In addition to protecting your savings, a health insurance plan can also help you save money on taxes. You can save up to 75,000 with HDFC ERGO Health Insurance plans.
14. Renewable for life - If you secure your health insurance with our health insurance plan, you will never need to look back. This health insurance plan will continue for your entire lifetime, with no need to exit at any time.

Exclusions of health suraksha	Explanation
Injuries from adventure sports	Adventure sports can give you an adrenaline rush, but when accidents occur, they can be dangerous. Adventure sports accidents are not covered by our insurance policy.
Injuries caused by oneself	We don't want you to hurt yourself, even though you might think of doing so. Self-inflicted injuries are not covered by our policy.
War	There can be disasters and unfortunate outcomes associated with war. However, war-related claims are not covered by our policy.
Operational participation in defense	It is not covered by our policy if you are involved in defense (Army, Navy, or Air Force) operations.
Veneral and sexually transmitted diseases	Your disease is critical, and we understand that. It is important to note, however, that our policy does not cover venereal diseases or sexually transmitted diseases.
Obesity treatment or cosmetic surgery	It is not covered by your insurance policy to treat obesity or undergo cosmetic surgery.

Waiting periods

During the first 24 months of the policy's existence - Several illnesses & treatments are not covered after 2 years of policy issuance.
During the first 36 months of the policy's existence - After three years of continuous renewals, pre-existing conditions that were declared and/or accepted at the time of application will be covered.
After the policy is initiated, the first 30 days are critical - Admission shall be limited to accidental hospitalizations.

FAQ

How do I apply for medical treatment under my:health Suraksha?

Medical treatment can only be obtained in India.

In case of a pre-policy medical checkup, what tests are required?

Pre-policy medical checkup varies depending on the age and sum the insured opted for. Pre-policy medical checkup consists of a Medical Examination Report by the physician, blood, urine, and electrocardiograms. In addition to TMT, 2D echo, and sonography, PPC checks can also include other services depending on the sum insured and the age of the customer.

How does home health care insurance work?

In home healthcare, the insured can receive treatment at home if recommended by a treating medical professional for conditions such as chemotherapy, gastroenteritis, hepatitis, fever management, dengue, etc.

How does sum insured rebound cover work?

On subsequent hospitalization of the insured person during the policy year, we will add to the Sum Insured an amount equivalent to the last claim amount under the policy, up to the maximum amount of the basic sum insured. A policyholder can claim multiple times for the same illness during the policy year, however, chemotherapy and dialysis claims will only be covered once during the policy's lifetime. Additionally, the balance rebound sum insured cannot be carried forward.

Under my:health Suraksha, can the younger spouse propose?

Under my:health Suraksha, younger spouses can propose. However, the premium calculation is based on the eldest family member's age.

What is the process for claiming home healthcare?

Once you have been diagnosed with an illness, inform us of your basic policy details, treatment plan, and preferred date and time for your initial assessment. Upon receiving your request, our Home Healthcare service provider will meet with the treating physician, check whether the patient requires any equipment or devices, and then share the care plan with us. We will issue a letter stating the sanctioned amount or reject the cashless request upon receipt of the complete documents. In general, this will operate in the same way as any other cashless hospitalization.

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