Your health has always been our top priority! We at HDFC ERGO take privilege to launch our new health plan, my:health Suraksha, which aims at giving you a 360 degree protection against soaring medical expenses. 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 ranging from 3 lacs to 5 lacs.
Why HDFC ERGO?
Secured Over 1 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. ~90% of pre-authorised cashless health claims are responded within 20 minutes and reimbursement claims are approved within 3 days.
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.
Go Paperless!
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**.
Frequently asked questions
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
Help in speedy claim settlement for critical illnesses
Bharat Maruti Pawar
Critical Illness Insurance
Outstanding
Virendra Singh
Health Suraksha Family Policy
Customer care response is good
Mahipat Singh
Sarva Suraksha
Overall is excellent keep to maintain always giving good service
Shaju Arumughan
Health Suraksha Family Policy
Excellent Services in market of HDFC ERGO. It is the best cashless service being provided by HDFC ERGO Health Insurance
Satish Prempal Adchitre
Health Suraksha Family Policy
Every time HDFC ERGO give a very good service to me inturm of payment process ,Guidence etc
Krishan Kumar
Health Suraksha Family Policy
Thanks HDFC Ergo team to support me in my very bad situation Time & help me every movement like family members.
Pradip Yadav
Health Suraksha Family Policy
If we give correct information companey like hdfc ergo help you at their maximum level thank you hdfc ergo team.
Rohit Ransing
my:health Medisure Classic Insurance Floater
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