HDFC ERGO My:Health Koti Suraksha Health Insurance

my:Health Koti Suraksha is a medical insurance plan that comes with two sections of cover, namely hospitalisation cover and personal accident cover. You can choose from them, as per your requirements. In the Section A, you will be covered for home healthcare, domiciliary hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, road ambulance expenses, organ donor expenses, etc. Whereas in Section B, you will be covered for accidental death, permanent disablement, broken bones, temporary total disablement, chauffeur benefit, etc.

Apart from wide coverage features, the policy offers you further choice to extend the coverage by including optional covers. You can customize your My:Health Koti Suraksha Policy by choosing from several add on or optional covers such as Sum insured rebound, waiver of co-payment, cumulative bonus-booster, last rites, medical evacuation, etc. These differ with Section A and Section B. The policy offers you flexibility of paying premium on monthly, half-yearly, quarterly, and yearly premium. Also, the policy offers lifetime renewability benefits and the grace period for renewal is of 30 days from the due date.