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HDFC ERGO my:health Suraksha:
HDFC ERGO offers my:health Suraksha, a comprehensive health insurance plan designed to provide optimum coverage for
treatments including pre and post hospitalization costs, preventive healthcheck-up, cumulative bonus and much more.
my: health Suraksha policy will ensure that your hard-earned savings are utilized to make the quality of your life better
without having to worry about hospitalization expenses.
Plans Available:
1. Silver Smart
2. Gold Smart
3. Platinum Smart
Coverages
1. Medical Expenses cover including mental health care: Covers hospitalization expenses due to illness or injury up to the
Sum Insured.
2. Home Health Care: For medically necessary hospitalization treatment at home of illnesses as prescribed by treating
medical practitioner availed through Cashless Facility only (available in select cities).
3. Pre-hospitalization: Pays for pre hospitalization medical expenses incurred 60 days immediately before hospitalization.
4. Post-hospitalization: Pays for post hospitalization medical expenses incurred up to 180 days from the date of discharge
from hospital.
5. Day Care Procedures: Covers day care procedures which do not require 24 hours hospitalisation due to technological
advancement.
6. Domiciliary Treatment: Pays for medical expenses incurred for treatment taken at home, on advice of a physician.
7. Organ Donor expenses: Pays for medical expenses incurred on organ donor’s hospitalization for harvesting of the
donated organ where an Insured Person is the recipient.
8. Road Ambulance: Pays maximum Rs.2000 per claim for sum insured upto 5 lakh and Rs.3500 per claim for sum insured
more than 5 lakhs.
9. Alternative Treatments: Pays for medical expenses for in-patient hospitalization treatment taken under Ayurvedic, Unani
Sidha or Homeopathy in an AYUSH Hospital.
10. Sum Insured Rebound*: Adds to the Sum Insured, an amount equivalent to the Claim amount paid under Basic sum
insured on subsequent Hospitalization, subject to conditions that;
• Total Sum Insured added under this cover will not exceed the Basic Sum Insured in a Policy Year.
• Sum Insured Rebound will be available to all Insured Persons for all claims.
• A single claim in a Policy Year cannot exceed the sum of Basic Sum Insured and the Cumulative bonus earned. In
case of treatment for Chemotherapy and Dialysis, Sum Insured Rebound will be applicable only once in lifetime
of Policy.
11. Air Ambulance*: Reimbursement up to Rs. 2L in Gold Smart and Up to Rs.5L for Platinum Smart for Emergency Care
which requires immediate and rapid ambulance transportation as prescribed by a Medical Practitioner. It’s not available
in Silver Smart Plan.
12. Recovery Benefit*: pays a fixed amount as per the plan opted, once in the policy year upon Hospitalization exceeding 10
consecutive and continuous days.
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*Based on Retail Loan book size (excluding mortgages). Source: Annual Reports FY 20-21 and No.1 on market capitalisation based on BSE data as on 31st Dec, 2021
