What are the sum insured options offered under this plan?

The my: Health Medisure Classic Plan offers the sum insured options on an individual and a family floater basis. The SI ranges between Rs. 1 Lakh to Rs. 5 Lakh under the individual plan and between the range of Rs. 2 Lakh and Rs. 5 Lakh under the floater policy. Under both the sections, the SI is available in the multiples of 1 Lakh.

What are the entry and exit age applicable under this health insurance plan?

The policy has the entry age of 18 years with no exit age. However, it provides coverage for dependent children from the age of 3 months to 18 years.

Does my: Health Medisure Classic Plan offer any discount to its customers?

Yes, if you opt for individual sum insured option to cover more than 2 family members instead of family floater option, a family discount of 10% on the total premium payable. The family discount will be available for a maximum of 6 persons only.

Is there any requirement for a pre-policy check-up to buy my: Health Medisure Classic Plan?

Yes, for the age group, 51-65 years (age last birthday as at policy inception date), the Individuals would be required to undergo pre-acceptance medical tests - Medical Examination Report, Treadmill Test, Lipid Profile, HbA1C, Serum Creatinine, Complete Blood Count, Urinalysis.

Is there any availability of co-payment option under this health insurance plan?

Yes, the insured members above the age of 80 years will have to bear a co-pay of 10% for each and every claim.

Can I earn a cumulative bonus under this my: Health Medisure Classic Plan? If yes, how?

Yes, under this policy, the sum insured amount progressively increases by 5% on every renewal, for every claim-free year, subject to a maximum accumulation of 50% of your sum insured. If a claim is made, the Cumulative Benefit that has accrued will be reduced by 20%, however, the basic Sum Insured will be maintained at all times.

What is the maternity sum insured available under this health policy?

Under the maternity coverage of my: Health Medisure Classic Plan, the normal delivery is insured for a maximum of 10% of sum insured or Rs. 20,000, while the C-section is covered for a maximum 20% of sum insured or Rs. 40,000.

Is newborn baby covered under my: Health Medisure Classic Plan?

Yes, extending the offering of maternity component, a newborn baby is covered for up to 90 days of his or her birth. After this, the baby can be added to the plan by paying a little extra premium.

Is there any sub-limit subject to the expenses of room rent and ICU under my: Health Medisure Classic Plan?

The limit of room rent coverage is up to 1% of SI to an amount of up to Rs. 4000 per day. Whereas, ICU cost is up to 2% of SI to the maximum amount of Rs. 6000 per day.

Is there any tax benefit offered under this my: Health Medisure Classic Plan?

Yes, you can get tax exemption on the premium paid under section 80D of the Income Tax Act.

HDFC ERGO my:Health Medisure Classic Health Insurance Wordings

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Highlights

Cashless Approval TAT	Within 37 mins
Claim Settlement Ratio	99.80%
Network Hospitals	13,000+
PED Coverage Starting From	3 year
Special Benefits	2X Cover from Day 1
Starting Premium	Rs. 1090/month

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HDFC ERGO my:Health Medisure Classic Brochure

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Oct 31, 2019

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HDFC ERGO Health Insurance Plan List

Family (3)
Individual (4)
Cancer (1)
Critical Illness (2)
Diabetes (1)
Parents (1)
Senior Citizen (1)

Name of Plan	Sum Insured
Optima SecureMin: 91 Days, Max: 65 YearsPopular		Check Premium
Optima RestoreMin: 91 Days, Max: 65 YearsPopular	3 Lakh	Check Premium
my: health SurakshaMin: 91 Days; Max: No LimitPopular	3 Lakh	Check Premium
Health Suraksha Top-Up Plus PolicyMin: 91 days; Max: 65 years	3 Lakh - 10 Lakh	Check Premium
my:Health Women Suraksha PolicyMin: 18 years; Max: 45 years	1 Lakh - 1 Crore	Check Premium
Dengue Care Policy Min: 91 Days; Max: 65 years	50 Thousand - 1 Lakh	Check Premium
Easy Health PolicyMin: 91 days; Max: 65 years	1 Lakh - 50 Lakh	Check Premium
my:Health Koti SurakshaMin: 18 years; Max: 65 years		Check Premium
Maxima PolicyMin: 91 Days; Max: 65 years		Check Premium
Day2Day Care PolicyMin: 91 Days; Max: 65 years		Check Premium
iCan CancerMin: 5 Years; Max: 65 Years	5 Lakh	Check Premium
Health WalletMin: 91 Days; Max: 65 Years	3 Lakh	Check Premium
EnergyMin: 18 Years, Max: 65 Years	2 Lakh	Check Premium
Optima SeniorMin: 61 Years; Max: No Limit	2 Lakh	Check Premium
Corona Kavach PolicyMin: 1 day ; Max: 65 years	50,000 - 5 lakh	Check Premium
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years	1 Lakh - 5 Lakh	Check Premium
Critical Illness PlanMin: 5 Years; Max: 65 Years	5 Lakh	Check Premium

HDFC ERGO Health Insurance Top Up List

Top-up (4)
Family (1)
Individual (1)

Name of Plan	Sum Insured
Optima PlusMin: 91 Days; Max: 65 YearsPopular	5 Lakh	Check Premium
my: Health Medisure Super Top-upMin: 3 Months; Max: 65 YearsPopular	3 Lakh	Check Premium
Optima SuperMin: 91 Days; Max: 65 Years	5 Lakh	Check Premium

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FAQs on my:Health Medisure Classic Health Insurance Plan

What are the sum insured options offered under this plan?
The my: Health Medisure Classic Plan offers the sum insured options on an individual and a family floater basis. The SI ranges between Rs. 1 Lakh to Rs. 5 Lakh under the individual plan and between the range of Rs. 2 Lakh and Rs. 5 Lakh under the floater policy. Under both the sections, the SI is available in the multiples of 1 Lakh.
What are the entry and exit age applicable under this health insurance plan?
The policy has the entry age of 18 years with no exit age. However, it provides coverage for dependent children from the age of 3 months to 18 years.
Does my: Health Medisure Classic Plan offer any discount to its customers?
Yes, if you opt for individual sum insured option to cover more than 2 family members instead of family floater option, a family discount of 10% on the total premium payable. The family discount will be available for a maximum of 6 persons only.
Is there any requirement for a pre-policy check-up to buy my: Health Medisure Classic Plan?
Yes, for the age group, 51-65 years (age last birthday as at policy inception date), the Individuals would be required to undergo pre-acceptance medical tests - Medical Examination Report, Treadmill Test, Lipid Profile, HbA1C, Serum Creatinine, Complete Blood Count, Urinalysis.
Is there any availability of co-payment option under this health insurance plan?
Yes, the insured members above the age of 80 years will have to bear a co-pay of 10% for each and every claim.
Can I earn a cumulative bonus under this my: Health Medisure Classic Plan? If yes, how?
Yes, under this policy, the sum insured amount progressively increases by 5% on every renewal, for every claim-free year, subject to a maximum accumulation of 50% of your sum insured. If a claim is made, the Cumulative Benefit that has accrued will be reduced by 20%, however, the basic Sum Insured will be maintained at all times.
What is the maternity sum insured available under this health policy?
Under the maternity coverage of my: Health Medisure Classic Plan, the normal delivery is insured for a maximum of 10% of sum insured or Rs. 20,000, while the C-section is covered for a maximum 20% of sum insured or Rs. 40,000.
Is newborn baby covered under my: Health Medisure Classic Plan?
Yes, extending the offering of maternity component, a newborn baby is covered for up to 90 days of his or her birth. After this, the baby can be added to the plan by paying a little extra premium.
Is there any sub-limit subject to the expenses of room rent and ICU under my: Health Medisure Classic Plan?
The limit of room rent coverage is up to 1% of SI to an amount of up to Rs. 4000 per day. Whereas, ICU cost is up to 2% of SI to the maximum amount of Rs. 6000 per day.
Is there any tax benefit offered under this my: Health Medisure Classic Plan?
Yes, you can get tax exemption on the premium paid under section 80D of the Income Tax Act.

View More Questions

Claim Process at HDFC ERGO Health Insurance

Network Hospital
Non-Network Hospital

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
3
Claim Processing
Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
4
Claim Settlement
Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
3
Claim Processing
Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
4
Claim Settlement
Once your request for reimbursement of expenses is approved, the claim will be settled.