HDFC ERGO My:Health Koti Suraksha Health Insurance
Cashless Approval TAT | 45 mins Cashless Claim Processing |
Claim Settlement Ratio | 100% |
Network Hospitals | 12,000+ |
PED Coverage Starting From | 3 year |
Special Benefits | 2X Cover from Day 1 |
Starting Premium | Rs. 1090/month |
About 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.
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Key Inclusions and Exclusions of the Plan
What's Included
- Post-hospitalisation medical expenses incurred in 180 days after the hospitalisation
- Domiciliary hospitalisation expenses
- Day care procedures are covered under this plan.
- Road ambulance cover
- Alternative treatment and Organ donor expenses
What's Not Included
- Abuse of drugs, alcohol, and other addictive substances
- Expenses arising from HIV/AIDS
- War, nuclear, chemical weapon and radiation
- Treatment due to self-injury or attempt to suicide
- Expenses related to non-allopathic treatment
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Add-ons to Enhance Benefits
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My:Health Hospital Cash Benefit Add on
The add-on cover of hospital cash provides you a lump sum amount daily in case of hospitalisation. You can use this amount as per your requirements.
Claim Process at HDFC ERGO Health Insurance
FAQs on my:Health Koti Suraksha Health Insurance Plan
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What are the waiting periods under My:Health Koti Suraksha Policy?
My:Health Koti Suraksha Policy comes with the following waiting periods:
- For all illnesses except accident: 30 days in the first year and is not applicable in subsequent renewals
- Specific illnesses and treatments: 24 months in the first two years and is not applicable in subsequent renewals
- Pre-existing diseases: covered after a waiting period of 48 months.
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Is the payment made on reimbursement basis or benefit basis, under My:Health Koti Suraksha Policy?
Under My:Health Suraksha Policy, the payment is made on reimbursement basis for hospitalisation expenses, road ambulance expenses, domiciliary expenses, organ donor expenses, and alternative treatment; whereas on benefit basis for accidental death, permanent disablement, temporary total disability, broken bones, burns, hospital cash, and add ons of critical illness and hospital daily cash.
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What are the premium payment options available under My:Health Koti Suraksha Policy?
The premiums for My:Health Koti Suraksha Policy can be paid on yearly, half-yearly, quarterly, and monthly installments.
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What are the renewal benefits offered under My:Health Koti Suraksha Policy?
Following are the renewal benefits under My:Health Koti Suraksha Policy:
- Preventive health check-up
- Fitness discounts at the time of renewal
- Health incentives
- Wellness services
- Cumulative bonus for every claim-free year