• Introduction
  • What's Included?
  • What's not Included?
  • Why Choose HDFC ERGO?
  • FAQs

my :health Medisure Classic Insurance

This plan is apt for those who are looking for maximum coverage with uninterrupted medical treatment. Choosing my:health Medisure Classic shall offer protective cover, will reduce the financial burden arising due to unpredictable expenses and ensure quality medical attention. Other benefits include maternity coverage, pre-existing disease coverage post 3 years and no restriction on entry age.

Key Highlights


Save Big on Premiums!

With my :health Medisure Classic Insurance you can avail a 5 % discount on 2 years policy duration. You can also choose to secure 2 or more family members.

Maternity Cover? We cover you!

Understanding the importance of motherhood and ensure you don't compromise during this special phase of life, we cover both mother and new born upto 90 days. A waiting period of 4 years of consecutive renewals is applicable.

No Entry Age Restrictions

You can be of any age above 90 days my :health Medisure Classic Insurance will cover you with its host of benefits instantly, making it convenient, reliable and simple.

Sum insured bounce back!

If you exhaust the entire sum insured and require cover for accidental hospitalization, we restore your health cover to offer hospitalization due to accident seamlessly.

What’s Included?

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Day Care procedures

Get full coverage up to sum insured on medical procedures that take up less than 24 hours for unlimited day care procedures.

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New-born baby cover

Sometimes there can be complications in the health of a new-born baby and such cases require the best of care. With this health insurance policy, get coverage for the baby for upto 90 days after the birth.

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Maternity cover

With our health insurance plan, relieve yourself of the financial stress and get cover upto Rs 20,000 for normal delivery and upto Rs 40,000 for C-section delivery.

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In-Patient treatment

Hospital stays can be disheartening. We cover medical expenses where hospitalisation exceeds 24 hours.

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Pre-hospitalization

Before hospitalisation, there are expenses towards doctor consultations, check-ups and prescriptions. We provide full coverage of such expenses 30 days prior to hospitalisation.

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Post-hospitalisation

Get full coverage of expenses incurred on doctor consultations, rehabilitation charges etc. till 60 days after discharge.

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Hospitalization due to accidents

In case you exhaust your sum insured and you need an additional cover for undergoing treatment due to an unfortunate accident, we will restore it back upto the base sum insured.

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Ayurvedic treatment

If you believe in the healing powers of Ayurveda and follow that treatment, with your health insurance policy, you can get upto Rs. 25,000 cover for ayurvedic treatment annually.

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Dependent children covered

With our health insurance policy, you get complete cover for your children till the age of 23 years.

What’s not included?

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Adventure Sport injuries

Adventures can give you an adrenaline rush, but when coupled with accidents, it can be hazardous. Our policy does not cover accidents encountered while participating in adventure sports.

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Self-inflicted injuries

You might think of causing injury to your precious self, but we don’t want you to hurt yourself. Our policy does not cover self-imposed injuries.

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War

War can be disastrous and unfortunate. However, our policy does not cover accidents that are caused due to wars.

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Participation in defense operations

Our policy does not cover accidents while you are participating in defense (Army/Navy/Air Force) operations.

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Venereal or Sexually transmitted diseases

We do understand the criticality of your disease. However, our policy does not cover venereal or sexually transmitted diseases.

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Treatment of Obesity or Cosmetic Surgery

Treatment of obesity or cosmetic surgery is not eligible for coverage under your insurance policy.

Waiting Periods

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First 24 Months From Policy Inception

Few illlnesses & treatments are covered after 2 years of consecutive renewals for elaborate list refer policy wordings.

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First 30 Days From Policy Inception

We will entertain all claims post waiting period of 30 Days except accidental claims.

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First 36 Months From Policy Start Date

Declared and/or accepted Pre-existing conditions at the time of application will be covered after first 3 years of continual renewals

Reasons to choose my:health Medisure Classic Insurance

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No Entry Age Restriction

When illnesses don’t see your age before attacking, why should we before giving insurance? So, basically age is no bar for taking our policy.

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Lifetime Renewability

The policy comes with the option of renewing it year after year as long as you wish.

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Integrated Wellness Services

There is a wide range of added benefits of taking our policy. For example, our wellness app can help in tracking your exercise schedule and keep a tab on your calorie count. Know More...

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Long Term Discounts

We believe in building a long-term partnership and that’s why we offer an additional 5% discount on 2 years policy.

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Family Discount

More is merrier at our place because we offer 10% discount if more than 2 members are covered on Individual Sum Insured Basis.

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Pre-policy check-up

Applicants up to the age of 50 don’t have to worry about going through any checkups prior to taking the policy.

Add-on Covers

Double Sum Insured For Critical Illness

Enhanced cover for life threatening diseases

The base Sum Insured gets doubled in case of diagnosis of a listed Critical Illness. This helps you give a better fight to the illness and reduce financial burden.


How does it work? Suppose you have a base sum insured of Rs. 5 lacs and you are diagnosed with Cancer, under such circumstances we pay upto Rs. 10 lacs towards the medical expenses incurred for treatment of cancer.

Waiver of Room Rent Sub Limits

No room rent capping

If you opt for this coverage, the sub limits of Room Rent and ICU under the basic hospitalization expenses cover are waived off.


How does it work? Under normal circumstances there is a capping on room rents, however if you opt for this add on cover you can choose the desired hospital room types without any restrictions.

Value-added Covers

Hospital Cash

Offers per day allowance to take care of miscellaneous expenses

Miscellaneous expenses that one incurs during hospitalization are generally out of pocket expenses with this value added cover, we offer you a daily allowance of Rs 500 per day from 4th to 10th day of hospitalization.


Example: In case you are hospitalized for 5 days, you stand eligible to get hospi cash allowance for 4th and the 5th day of hospitalization this will surely bring a smile on your face.

Ambulance Charges

Covers ambulance cost in an emergency

The emergency ambulance charges up to Rs.1500 per hospital admission are reimbursed.


Example: If you require emergency ambulance to transfer to the nearest hospital for treatment then get reimbursement upto a maximum of Rs.1500 per hospitalization.

Recovery Benefit

Get a lumpsum amount if hospitalization exceeds 10 days

We pay out a lump sum amount of Rs.5000 as recovery benefit if hospitalization exceeds 10 continuous days so that taking care of household expenses doesn’t stress you out.


Example: If your hospitalization exceeds 10 continuous days, we pay you a lumpsum amount of either Rs.5000 per hospitalization to support your recovery.

Health Check ups

Get health check up spost 4 claim free renewals

On every 4 claim free renewals get 1% of your Sum Insured to be utilized for a comprehensive health check up on reimbursement basis.


Example: If you have a Sum Insured of Rs 5 Lacs and you haven’t claimed for 4 consecutive years then you are eligible to get Rs. 5000 towards a health checkup.

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Regular claim update on your mobile

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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.
Why HDFC ERGO?

All the support you need-24x7

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.
Why HDFC ERGO?

Transparency In Every Step!

Claims are 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 22 minutes and reimbursement claims are approved within 3 days.
Why HDFC ERGO?

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.
Why HDFC ERGO?

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.
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 are 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 22 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.

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Frequently asked questions

Yes. Room rent is as per actuals upto 1% of sum insured to a maximum of Rs 4000 per day. ICU rent is as per actuals upto 2% of sum insured to a maximum of Rs 6000 per day.
Yes, there is a waiting period of 36 months i.e 4 years for one to avail maternity benefits under the policy.
Under Medisure Classic, maternity sum insured are as below: Normal Delivery - Max 10% of SI or Rs 20000 C-Section - Max 20% of SI or Rs 40000 Termination of pregnancy - Max 10% of SI or Rs 20000
Yes, new-born baby upto 90 days is covered under maternity benefit. However, after this the baby can be added in the policy by paying additional premium.
Ayurvedic treatment for listed illness and treatment as mentioned in the policy is covered for a maximum of Rs 25000.
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