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

my:health Suraksha Insurance - Silver Smart Plan 

 

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.

Reasons to choose my:health Suraksha Silver Smart Plan

No room rent capping
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
Sum Insured Rebound
Worried about sum insured shortage to treat illnesses? With sum insured rebound, you get additional sum insured upto the base sum insured even if your existing sum insured exhausts.
Free Health Check-up every year
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
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 is covered in a health insurance policy?

Sum Insured rebound

Sum Insured rebound

This acts like a magical back-up, which recharges your exhausted health cover to treat the next hospitalization of a new illness or injury.

Installment Benefit

Installment Benefit

Do you like the idea of paying your health insurance premium in installments? If yes, then get your health cover with us and make the most of our installment benefit.

No Medical Test Upto 45 Years

No Medical Test Upto 45 Years

If you are young, hale and hearty then get yourself a health insurance plan by HDFC ERGO without any medical check-ups.

Cashless Home Health care**

Cashless Home Health care**

If your Doctor recommends you can get yourself treated at home and avail cashless medical facilities then this feature would be of utmost help.

Hospitalisation expenses

Hospitalization expenses

Just like every other health insurance plan, we cover you for your medical hospitalization due to illnesses and injuries seamlessly.

Pre & Post Hospitalisation

Pre & Post Hospitalisation

It means all your pre-hospitalization expenses upto 90 days of admission and post-discharge expenses till 180 days get covered, like the costs for diagnostics, investigation etc.

Day care procedures

Daycare procedures

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.

AYUSH Benefits

AYUSH Benefits

Let your belief in alternate therapies like Ayurveda, Unaani, Siddha and Homeopathy stay intact as we cover hospitalization expenses for AYUSH treatment as well.

Organ Donor Expenses

Organ Donor Expenses

Organ donation is a noble cause and we cover the medical and surgical expenses of the organ donor when harvesting a major organ transplant.

Recovery benefit

Recovery benefit

If you stay in a hospital for more than 10 days at a stretch then we pay for other financial losses that might have happened due to your absence at home. It helps to take care of other expenses during your hospitalization. (Amount specified in the policy wording)

Mental healthcare

Mental healthcare

We believe mental healthcare is just as important as hospitalization due to physical illness or injury; hence we cover hospitalization expenses incurred for treating mental illnesses.

Free Renewal Health Check-up

Free Renewal Health Check-up

Get a free health check-up within 60 days after policy renewal done by HDFC ERGO at the time of renewing your policy with us.

Save Tax upto ₹ 75,000*

Save Tax upto ₹ 75,000*

Did you know that a health insurance plan is not just meant to safeguard your savings but also help you save tax? Yes, you can save upto ₹ 75,000 with HDFC ERGO Health Insurance plans.

Lifetime Renewability

Lifetime Renewability

Once you get yourself secured with our health insurance plan there’s no looking back, this health insurance plan continues for your entire lifetime on break free renewals, you don’t have to exit from it.

No entry age restriction

No entry age restriction

If you are 18 years old and above you can buy our health insurance plan without any hesitation. We secure people of all age groups.

What’s not included?

Adventure Sport injuries
Adventure Sport injuries

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

Self-inflicted injuries
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.

War
War

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

Participation in defense operations
Participation in defense operations

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

Venereal or Sexually transmitted diseases
Venereal or Sexually transmitted diseases

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

Treatment of Obesity or Cosmetic Surgery
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

First 24 Months From Policy Inception
First 24 Months From Policy Inception

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

First 36 Months from Policy Inception

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.

First 30 Days from Policy Inception
First 30 Days from Policy Inception

Only accidental hospitalisations shall be admitted.

Our Cashless
Hospital Network

10000+

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Seamless & Easy Claims! Assured


Register & Track Claims through our website

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Regular claim update on your mobile

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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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