With 10,000 + Cashless Network Hospitals, claim settlement gets easier !

  • Introduction
  • What's included?
  • What's not included?
  • Other related articles
  • FAQs

my:health Suraksha - Gold Smart Plan

 

Serving your health care needs over a decade, we at HDFC ERGO now understand your medical requirements. Hence, keeping in mind your growing need to secure exhaustive medical contingencies, we’ve launched my:health Suraksha - a simplified yet wholesome health insurance plan which suits everyone. By settling **90% cashless claims in less than 20 minutes, HDFC ERGO Health Insurance knows the importance of time. 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.

Reasons to choose my:health Suraksha Gold Smart Plan

No room rent capping
Worried that you can’t afford a hospital room of your choice with your insurance plan? With my:health Suraksha you can bank in healthcare comforts.
Sum Insured Rebound
Worried about sum insured shortage to treat illnesses? With sum insured rebound cover, you get additional sum insured upto the base sum insured even if your existing sum insured exhausts.
Free Health Check-up every year
Prevention is better than cure! For every renewal we offer free health check-ups so that you are healthier and happier always.
Cashless Home Healthcare
Guess what if your doctor recommends in-home treatment, you can avail medical attention at home without paying a penny! Thanks to our ""cashless care facility for home treatments.

What’s Included?

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Sum Insured Rebound

Get additional sum insured equivalent to the admissible claim amount upto a maximum of the basic sum insured.

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Day Care Procedures

Your hospitalization lasted for just a day that doesn’t mean it remains excluded. We cover 586 day care procedures.

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Pre-hospitalisation Cover

Before hospitalisation, there are expenses towards doctor consultations, check-ups and prescriptions. We provide full coverage of such expenses 60 days prior to hospitalisation.

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Post-hospitalisation Cover

Get full coverage of expenses incurred on doctor consultations, rehabilitation charges etc. till 180 days after discharge from hospital.

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Mental Healthcare

If any of the insured member suffers from mental illness, the expenses for hospitalization gets covered.

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Home Healthcare

If your doctor recommends treatment at home, you can avail the services right at your home that too with ""cashless facility.

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Hospitalisation Expenses

Everything from bed-charges, nursing charges, blood tests, ICU and consultation fees gets covered effortlessly.

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Road Ambulance Cover

Transfer from hospital to home in an ambulance (within the same city) is also covered if the insured encounters life-threatening medical emergency.

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Organ Donor Expenses

For a noble deed as organ donation, we cover the organ harvesting expenses incurred to the donor in case the insured has to undergo organ transplant.

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Alternative Treatments (Non-Allopathic)

We support the healing powers of Ayurveda, Unnani, Sidha and Homeopathy treatment. No matter what type of treatment you prefer, we are always there for you in the time of need.

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Recovery Benefit

We pay out a lump sum amount of Rs.15000 as recovery benefit if hospitalization exceeds 10 continuous days so that taking care of household expenses doesn’t stress you out.

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Air Ambulance

In case of an emergency that requires air ambulance services like airplane or helicopter to the nearest hospital, we get it covered seamlessly.

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 any claim 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.

For detailed inclusion and exclusion please refer the sales brochure/policy wordings

Waiting Periods

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First 24 Months From Policy Inception

Few illnesses & treatments are covered after 2 years of policy issuance.

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First 36 Months from Policy Inception

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

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First 30 Days from Policy Inception

Only accidental hospitalisations shall be admitted.

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Why choose HDFC ERGO General Insurance?

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 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.
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.
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.

Other related articles

 

Other related articles

 

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
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