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With my: health Koti Suraksha, you can enjoy quality healthcare while beating ever-increasing medical inflation. In addition to hospitalization costs, critical illness treatments, major surgery costs, daycare procedures, and so much more, this health insurance covers a wide range of medical expenses. When my: health Koti Suraksha is backing you up, you can rest assured that we will cover the high cost of your healthcare while you focus on taking care of yourself. By doing so, you will be prepared in case of a medical emergency without having to worry about losing your life savings. My:health Koti Suraksha plan offers a sum insured of up to Rs 1 crore, which will help you beat medical inflation. A significant health plan like this can protect you from hospitalization costs, critical illness treatments, major surgery costs, daycare costs, and more. Stay confident knowing that while you take care of your health, we'll handle your high healthcare costs with my:health Koti Suraksha policy. Consequently, you will be prepared to deal with a medical emergency without having to sacrifice your life-long savings.
Inclusions of Koti Suraksha |
Explanation |
COVID-19 Hospitalisation |
Our health insurance plan covers hospitalization expenses due to illnesses and injuries seamlessly. The treatment for COVID-19 is also covered by my: health Koti Suraksha. |
The pre-and post-hospitalization period |
The plan covers all pre-hospitalization expenses of 60 days prior to admission as well as post-hospitalization expenses of up to 180 days, including medicine, diagnostics, physical therapy, and consultations. |
Treatments are unlimited at the daycare |
Today, medical advancements make it possible to complete important surgeries and treatments in less than 24 hours. You are also covered for that. |
Preventive Health Checkup for Free |
It's better to prevent disease than to cure it, which is why our my:health Koti Suraksha policy comes with a free health check-up after renewal. |
Ambulance on the road |
An emergency must be attended to as soon as possible. Therefore, they have your back. Ambulance transportation (within the same city) is covered by my:health Koti Suraksha. |
Healthcare at home |
The expenses for home hospitalization are also covered if you have a doctor's recommendation and can receive treatment at home. |
Expenses related to organ donation |
Lifesaving organ transplants are indeed possible. In cases where an insured is a recipient, we cover the surgical expenses for the donation of a major organ. |
Treatment alternatives |
They cover hospitalization expenses for AYUSH treatments like Ayurveda, Unani, Siddha, and Homeopathy. |
Renewability for life |
We have a health insurance plan that will secure your financial future for years to come. Your medical expenses are covered for the rest of your life on a break-free renewal basis under our health plan. |
Cashless claims |
Reimbursement claims |
Notification |
Non-network
hospitalization |
Rejection/Approval |
Claim
Registration |
The
hospitalization process |
Authentication |
Settlement
of claims |
Settlement
of claims |
Although advanced medical treatments exist to cure most illnesses, such treatments are not cheap. Thus, it is useful to invest in a health insurance plan with a high sum insured, i.e., a plan worth Rs.1 crore.
The following situations make a health insurance plan with a sum insured of Rs.1 crore even more relevant:
As a result, a health insurance policy with a sum insured of one crore ensures a higher level of protection.
The minimum and maximum entry age for 1 crore health insurance plans is specified in the age bracket. In general, family floater policies begin at 91 days old. The family floater plan covers your 91-day-old child. Adults must be at least 18 years old to enter. Children up to the age of 25 can be covered as dependents as long as they are 65 years old at entry.
Renewals of policies are subject to a grace period of 30 days. Grace Period does not cover any illnesses, diseases, or conditions contracted during this time.
Health Coach You can get health coaching to help you manage your diseases, diet, activity and fitness, weight management, and psychological issues. Using the company's mobile application, you can chat with a coach or schedule a callback through the company's coaching facility.
A wellness service offers attractive discounts on OPD expenses, diagnostics, pharmacy, etc. In addition to newsletters, diet-related consultations, and health tips, we provide monthly consumer engagement programs. Finally, you'll receive programs designed to help you manage stress, work-life balance, and pregnancy care. These services help you benefit from your health insurance plan even more.
You can buy HDFC ERGO's 1 crore health insurance policy online. Follow these steps to get started: