My Health Koti Suraksha Plan: Get Online Quote Instantly

Why Choose My Health Koti Suraksha Plan

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.

Exclusions of My Health Koti Suraksha Plan

1. 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.

2. 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.

3. War - There can be disasters and unfortunate outcomes associated with war. However, war-related claims are not covered by our policy.

4. Operations caused in defense - It is not covered by our policy if you are involved in defense (Army, Navy, or Air Force) operations.

5. Veneral and sexual disease - 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.

Discount offers By Health Koti Suraksha Plan

1. Discount for long-term customers - Short-term cover is more expensive, so why settle for it? With my:health Koti Suraksha, you can save up to 10% on a long-term plan.

2. Discounts for families - Buy my:health Koti Suraksha on an individual sum insured basis for two or more members and receive a 10% family discount.

3. Discounts for fitness - A fitness discount of up to 10% is available when renewing memberships to reward you for staying fit and healthy.

Cashless claims	Reimbursement claims
Notification Pre-auth forms must be filled out at the network hospital for cashless approval	Non-network hospitalization Initially, you must pay the bills and keep the original invoices
Rejection/Approval A status update is sent to you as soon as the hospital informs us	Claim Registration Invoices and treatment records should be sent to us after hospital discharge
The hospitalization process Pre-auth approval is needed for hospitalization	Authentication The invoices and treatment records related to your claim are verified by us
Settlement of claims Our direct settlement with the hospital occurs at the time of discharge	Settlement of claims The amount of the approved claim is deposited into your bank account.

FAQ

Does it make sense to buy a health plan with a one crore sum insured?

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:

A sole breadwinner with a family to support. It becomes your responsibility to pay for the medical needs of all family members in such cases. You need a high sum insured if you have existing liabilities. It is because when your liabilities are high, you need funds to pay them.
Your liabilities would increase if your coverage is low, as you would have to use your savings to pay for your medical expenses. With a one crore health plan, you can use your savings for liabilities instead of medical expenses
Lifestyle illnesses may occur if you lead a stressful life. It is in the interest of the insurance company to make sure a large sum is insured in order to cover the costs of potential medical complications from these illnesses

As a result, a health insurance policy with a sum insured of one crore ensures a higher level of protection.

What is the maximum age at which you can purchase my health insurance policy: Health Koti Suraksha?

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.

Can you tell me what the grace period is?

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.

What value-added services does Health Koti Suraksha offer?

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.

Can I purchase health insurance online with a cover of Rs.1 crore?

You can buy HDFC ERGO's 1 crore health insurance policy online. Follow these steps to get started:

Choose the type of policy you want - individual or family floater
Indicate if the proposer is the same as the insured. Provide the proposer's and insured's details if not
Insured members' dates of birth should be provided
Input your name, contact number, email address, PIN code, state, and city.
Click 'Calculate Premium' on the declaration boxes
Make sure you check the premiums for each variant of the plan
Choose the best plan for your needs
Online payment options are available for paying the premium
After verifying your details, HDFC ERGO will underwrite the policy and issue it

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