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1 CRORE HEALTH COVER
FOR JUST ₹ 1114/month*
BIG COVERAGE, SMALL PRICE
13,000+
Cashless Network
38 minutes for Cashless
Claims approval*~
₹7500+ Cr claims
settled till now^*
50 lacs & 1 Cr
sum insured available
my:health Koti Suraksha- 1 Crore Health Insurance Policy
To beat ever-increasing medical inflation and offer quality healthcare, here's my:health Koti Suraksha - a health insurance plan that offers a sum insured of up to ₹1 crore. This significant health cover insures you against various medical expenses like hospitalisation costs, critical illness treatments, costs for major surgeries, daycare procedures, and so much more. With my:health Koti Suraksha policy backing you up, stay rest assured that while you take care of your health, we’ll take care of your high healthcare costs. Thus, preparing you to tackle a medical emergency without impacting your life-long savings.
Why buy 1 crore health insurance from HDFC ERGO?
1 cr health insurance is designed keeping in mind the growing medical needs and rising inflation.
Wider pre & post hospitalisation
Unlimited daycare procedures
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No room rent capping^*
₹7500+ Cr claims settled till now`
13,000+ Network Hospitals
#1.5 Crore+ Happy Customers
Understand Coverage Offered by Our 1 Cr Health Insurance
Hospitalization (including COVID-19)
Just like every other health insurance plan, we cover your hospitalization expenses due to illnesses and injuries seamlessly. my:health Koti Suraksha also covers treatment for COVID-19.
Pre & Post Hospitalisation
It means all your pre-hospitalization expenses of 60 days prior to admission and post-discharge expenses up to 180 days get covered, like the costs for medicines, diagnostics, physiotherapy, consultations, etc.
Unlimited Day Care Treatments
Medical advancements help in wrapping up important surgeries and treatments in less than 24 hours, and guess what? We cover you for that as well.
Free Preventive Health Check-Up
Prevention is certainly better than cure and that’s why we offer a free health check-up within 60 days of renewing your my:health Koti Suraksha policy with us.
Road Ambulance
In case of emergency getting to the hospital on time is crucial. Hence, we have got your back here. my:health Koti Suraksha covers the cost of ambulance transport (within the same city).
Home Healthcare*^
If your doctor recommends that you can get yourself treated from the comfort of your home and avail medical facilities, then we cover home hospitalisation expenses too.
Organ Donor Expenses
Receiving an organ is indeed a lifesaver. We cover surgical expenses for harvesting a major organ from the donor’s body where insured is the recipient.
Alternative Treatments
Let your belief in alternative therapies like Ayurveda, Unani, Siddha, and Homeopathy stay intact as we cover hospitalization expenses for AYUSH treatment as well.
Lifelong Renewability
Once you get yourself secured with our health insurance plan there is no looking back. Our health plan continues to secure your medical expenses for your entire lifetime on break free renewals.
Please read the policy wordings, brochure and prospectus to know more about my:health Koti Suraksha.
Adventure Sport Injuries
Adventures can give you an adrenaline rush, but when coupled with accidents, it can be hazardous. Our health insurance plan does not cover accidents encountered while participating in adventure sports.
Self-inflicted Injuries
If you ever end up causing injury to your precious self, then unfortunately our health insurance plan will not cover for self imposed injuries.
War
War can be disastrous and unfortunate. However, our health insurance plan does not cover any claim that is caused due to wars.
Participation in Defence Operations
Our health insurance plan does not cover accidental injury while you are participating in defence (Army/Navy/Air Force) operations.
Congenital external diseases, defects or anomalies,
We do not cover medical expenses incurred for Congenital external diseases, defects or anomalies
Treatment for Alcoholism & Drug Abuse
Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof remains uncovered.
Not just a simple health cover, also your wellness partner
Health Coach
Get easy access to health coaching services like nutrition, fitness and psychological counselling. You can avail all of these services through our Mobile App via chat service or call back facility. All you need to do is download our App from Google Playstore & enjoy these benefits. Click here to download our App (only android devices).
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Wellness Services
Avail discounts on OPD consultations, pharmacy purchases & diagnostic centres. You can sign-up for newsletters, diet & health tips. We also offer specialized programs for stress management & pregnancy care. You are just a click away from exploring a bunch of wellness services. Click here to download the App (only android devices).
Multiple Discount options on 1 Crore health insurance plan
Long Term Discount"
Why settle for short term cover and pay more? Go for a long term plan and save up to 10% with my:health Koti Suraksha.
Family Discount
Avail 10% family discount if 2 or more members buy my:health Koti Suraksha on an individual sum insured basis.
Fitness Discount
We love rewarding you for your constant efforts to stay fit and healthy by offering fitness discount up to 10% at the time of renewal.
13,000+
Network Hospitals
Across India
Jaslok Medical Centre
Address
C-1/15A Yamuna Vihar, Pincode-110053
Roopali Medical
Centre Private Limited
Address
C-1/15A Yamuna Vihar, Pincode-110053
Jaslok Medical Centre
Address
C-1/15A Yamuna Vihar, Pincode-110053
You should buy 1 crore health insurance if…
Scenario 1
You have a family to take care of
You have a family to take care of
If you are the whole and sole bread earner in the family and have to take all major financial decisions, then it’s imperative to buy a one crore health insurance plan for meeting your family’s future medical expenses. Looking at the current medical inflation, even the smallest medical emergency may drain your savings. Why risk your finances when you have a plan to take care of them?
Scenario 2
You have excessive financial commitments
You have excessive financial commitments
If you are already paying EMIs for your home, car, child’s education etc., then there’s a chance that you may have less disposable income to bank upon during critical times. A single hospitalisation may put a pause to your financial commitments; hence do not think twice before opting for a one crore health insurance plan to meet any medical contingencies. A one crore health insurance plan will boost your confidence and ensure you avail quality healthcare without impacting your ongoing finances.
Scenario 3
Your family has a history of critical illnesses
Your family has a history of critical illnesses
If there is a history of critical illnesses like cancer, heart ailments etc. in your family then there’s no way you should ignore this one crore health insurance plan. Hence, be proactive and safeguard your lifelong savings from paying hospital bills.
Scenario 4
You lead a stressful work life
You lead a stressful work life
While chasing deadlines and targets, you often ignore your health. A sedentary lifestyle may interfere with your wellbeing and not let you follow a healthy regime. If this continues for an extended period, there are chances that you may succumb to various lifestyle diseases and critical illnesses at a young age. To tackle such unexpected medical expenses, it is essential to buy a one crore health insurance plan and invest your hard-earned money in fulfilling your life goals instead of paying medical bills.
Why opt for a 1 Crore health insurance plan?
Beats steadily rising medical costs
India’s healthcare inflation has been rising steadily and more alarmingly. The average healthcare inflation for India was 7.14% for 2018-19, witnessing a steep rise from 4.39% in previous financial year~. Its time to prepare yourself to tackle these medical expenses arising due to steep medical inflation by opting for a 1 crore health insurance plan.
Enough cover for your family
You do not have to bank upon your savings if you have a 1 crore health insurance plan as it is larger than you think. It will cover you and your dear-ones seamlessly. You won’t have to compromise on the quality of healthcare facilities, if you have a health insurance plan like my:health Koti Suraksha besides you.
High sum insured at Affordable Premiums
Your search for a high sum insured health insurance plan ends here with my: health Koti Suraksha, we offer a health cover up to 1 crore at pocket-friendly prices.
How to Make a Claim for your HDFC ERGO Health Insurance
The sole purpose of buying a health insurance plan is to get financial support at the time of medical emergency. Hence, it is important to read the below steps to know how Health Insurance claims process works differently for cashless claimsand reimbursement claim requests.
Health Insurance Cashless Claims get approved within 38*~ minutes
Intimation
Fill up the pre-auth form at the network hospital for cashless approval
Approval/Rejection
Once hospital intimates us, we send you the status update
Hospitalisation
Hospitalisation can be done on the basis of pre-auth approval
Claim settlement
At the time of discharge, we settle the claim directly with hospital
We settle reimbursement claims within 2.9 days~*
Hospitalisation at non network hospital
You need to pay the bills initially and preserve the original invoices
Register a claim
Post hospital discharge send us all your invoices and treatment documents
Verification
We verify your claim related invoices and treatment documents
"Claim Settlement
We send the approved claim amount to your bank account.
Hear from Our happy customers
M SUDHAKAR
MY HEALTH KOTI SURAKSHA
31 Jul 2021
Super
NAGARAJU YERRAMSHETTY
MY HEALTH KOTI SURAKSHA
29 Jul 2021
Service is good
BHAVESHKUMAR MADHAD
MY HEALTH KOTI SURAKSHA
11 Jul 2021
Very good policy
DEVENDRA PRATAP SINGH
MY HEALTH KOTI SURAKSHA
6 Jul 2021
Excellent
Praveen Kumar
my:Health Suraksha
28 Oct 2020
I will recommend my friends and family members, yours service is to good and prompt, customer supporting is very good.
Frequently Asked Questions on Koti Suraksha Plan
1. Is it useful to buy a health plan with one crore sum insured?
While there are advanced medical treatments to cure most illnesses, such treatments do not come cheap. That is why it has become useful to invest in a health insurance plan with a high sum insured, i.e., an Rs.1 crore health plan.
Moreover, a health insurance plan with a sum insured of Rs.1 crore becomes all the more relevant in the following instances –
● If you have a family to support and you are the sole breadwinner. In such cases, you become responsible to pay for the medical needs of all family members. If you have existing liabilities, you need a high sum insured. This is because when your liabilities are high, you need funds to pay for them.
● If your coverage is low, your savings would be needed to pay for your medical expenses thereby making your liabilities a burden. A one crore health plan can take care of your medical expenses allowing your savings to be used for your liabilities
● If you lead a stressful life, you might suffer from lifestyle illnesses. To cover the financial implications of possible medical complications from such illnesses a high sum insured makes sense
Thus, a one crore sum insured is useful in a health insurance policy as it ensures higher coverage.
2. At what age can you buy my: Health Koti Suraksha policy?
1 crore health insurance plans have an age bracket that specifies the minimum and maximum entry age at which you can buy the policy. Usually, the entry age for family floater policies starts from 91 days. This means that you can cover your 91-day child under the family floater plan. For adults, the minimum entry age is 18 years. The maximum age limit at entry is 65 years for adults and children can be covered as dependents up to 25 years of age.
3. What is the grace period?
A Grace Period of 30 days is available for Renewal of the Policy. However any Illness, disease or condition contracted during Grace Period will not be covered.
4. Does my: Health Koti Suraksha policy offers any value-added services?
Health Coach
The plan provides health coaching facility to help you with disease management, nutrition, activity and fitness, weight management and psychological counselling. You can get access to the coaching facility through the company’s mobile application through chats or by arranging for a call-back.
● Wellness services
As a part of wellness services, you get attractive discounts on OPD expenses, diagnostics, pharmacy, etc. You also get monthly newsletters, diet-related consultations and health tips as a part of our consumer engagement program. Lastly, you get specially-designed programs for stress management, work-life balance management and pregnancy care.
These services help you get an additional benefit with your health insurance plan.
5. Is it possible to buy health insurance with Rs.1 crore health cover online?
Yes, HDFC ERGO allows you to buy its 1 crore health insurance policy online. You can visit https://www.hdfcergo.com/OnlineProducts/KotiSurakshaOnline/HSP-CIP/HSPCalculatePremium.aspx and provide your details to buy the policy online. Here are the steps –
● Choose the type of policy – Individual or family floater
● Mention if the proposer is the same as the insured or not. If not, state the details of the proposer as well as the insured
● Provide the date of birth of all the members being insured
● Provide your name, contact number, email ID, PIN Code, State and city.
● Click on the declaration boxes and hit ‘Calculate Premium’
● Check the premium of the different variants of the plan
● Select the most suitable plan
● Pay the premium online through the available digital payment modes
● HDFC ERGO would underwrite the policy and issue it if your details are verified
Disclaimer: Please read the policy wordings, brochure and prospectus to know more
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Income Tax Return: Visiting 80D page is a must even if you don’t have health insurance
In case an assessee has incurred the expenses allowed as deductions u/s 80D for his/her parents, he/she may also claim deductions for the same along with deductions for self and family.
Source: Financial Express
Published on 09 January 2021
Karnataka govt planning to bring back Yeshasvini health insurance scheme to benefit farmers, poor
Amid demands to reintroduce the Yeshasvini health insurance scheme, the Karnataka government is planning to delink health insurance from the ArogyaKarnataka scheme under the health department and execute the programme through the co-operation department.
Source: New Indian Express
Published on 09 January 2021
COVID-19 pandemic drives demand for term, medical insurance
The insurance industry was forced to adopt the digital route to sell policies from April 2020 as field agents had to start working from home amidst the Coronavirus outbreak.Insurers started to sell fully online from May onwards. Health insurers gained big as high medical costs drove customers to buying medical insurance products.
Source: Moneycontrol.com
Published on 29 December 2020
Soon, insurers will have to disclose premium illustration for Health Insurance
Now insurers will be required to disclose benefit/premium illustration, for all health insurance policies issued on individual and floater basis, to the policyholders.
Source: Livemint.com
Published on 29 December 2020
Understanding Waiting Period and Survival Period in Health Insurance
Policyholders cannot raise a claim against a certain condition if the waiting period is enforced on that condition. The two important health insurance concepts are - waiting period and survival period.
Source: Outlook India
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2020 brought standardization, digitization to insurance sector
The year 2020 was tough for the insurance industry but it also helped it reinvent itself like never before. In health insurance, short-term policies (generally, insurance policies tenure is of one year) were launched, telemedicine (treating patients using telecommunication) was brought in and instalment option was introduced for premium payments.
Source: Livemint.com
Published on 28 December 2020
Awards & Recognition
BFSI Leadership Awards 2022 - Product Innovator of the Year (Optima Secure)
ETBFSI Excellence Awards 2021
FICCI Insurance Industry
Awards September 2021
ICAI Awards 2015-16
SKOCH Order-of-Merit
Best Customer Experience
Award of the Year
ICAI Awards 2014-15
CMS Outstanding Affiliate World-Class Service Award 2015
iAAA rating
ISO Certification
Best Insurance Company in Private Sector - General 2014
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