Plan Details
Features
Coverage
What you should know
What you should know
Room rent limit is the maximum amount per day cost allowed by the insurer. Related expenses, such as doctor consultation etc. are paid in proportion to the room rent limit. Look out for plans with No Room Rent limitWhat you should know
Very useful feature, in case the sum Insured gets exhausted in a year due to multiple claims or a large claim. Insurer restores the sum insured to provide continued coverage to policyholders.What you should know
Renewal bonus is the extra sum insured added at the time of policy renewal as per the terms and conditions specified in the policy.What you should know
Hospitals that have a direct tie-up with the insurance company, where insured can avail cashless treatment. Larger the network in your area, better it is.What you should know
Co-pay is the share of claim to be paid by the policyholder, while the rest is paid by the insurer. Always look out for plan with 0% co-pay or minimum co-payment.What you should know
Expenses incurred BEFORE hospitalization, such as doctor visits, diagnostic tests etc. Insurance company pays for such expenses upto a certain number of days (ex. 30-90 days) prior to hospitalization.What you should know
Expenses incurred AFTER hospitalization, such as doctor visits, medicines etc. Insurance company pays for such expenses upto a certain number of days (ex. 30-180 days) after the hospitalization.What you should know
Treatments that do not require hospitalization, such as Cataract, Chemo etc.What you should know
Covers for ambulance charges before or after the hospitalization.Waiting periods
What you should know
Certain diseases or medical conditions and procedures may come with a specific waiting period.These may include cataracts, ENT disorders, osteoporosis, hernia, joint replacement surgery, etc. The waiting period for such illnesses can vary from 2 to 4 years, depending on the policy’s terms and conditions.What you should know
The amount of time you have to wait from the date of issue to actively start using your health insurance policy and benefiting from it.What you should know
Covers for expenses incurred on child delivery, pre and post-natal expenses are covered. Suitable for couples planning or expecting a child. Do check the waiting periods in your plan.What you should know
The minimum period policyholder needs to wait before filing a claim. In case of pre-exisitng illnesses such as diabetes, thyroid etc., look for plans with less waiting periods.Additional Features
What you should know
Few diseases may require alternate treatment such as Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy (AYUSH). Do check if your plan covers the same and up to what limits.What you should know
The higher the coverage the better as medical treatments abroad are expensive.What you should know
This feature refers to the process of transferring an individual to his home country for medical treatment from the location where he/she suffered a medical emergency. A really important part of the health insurance plan for the frequent travelersWhat you should know
Consumables are usually, but not restricted to, medical aid/ equipment that have to be discarded after use. The cost incurred from the consumables is directly billed to the patient, if not covered in the health insurance policy.What you should know
Covers for Organ transplants. Hence if an individual is looking to avail such a procedure in the near future, he/she must take a plan with high cover amountValue Added Services
What you should know
Complimentary health checkups in the policy to ensure the wellbeing of the policyholders.What you should know
Free Online doctor consultation(s) is an additional feature to keep your health in checkWhat you should know
An additional discount for staying active and fit. Can be availed at the time of renewalWhat you should know
The insurer offers a fixed daily payout for each day till the time the policyholder remains hospitalized. Covers for expenses such as meals, transport, etc. of the attendant.What you should know
This feature covers doctor consultations, diagnostic tests, and pharmacy costs. Offered by a few insurers as a part of the plan and otherwise available as an optional riderMore About my health suraksha
Your health has always been our top priority! We at HDFC ERGO have the privilege to bring to you 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, this policy is a delight for individual, families and senior citizens looking for the right health cover.
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