my:health Suraksha Insurance - Silver Smart Plan

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 insurance 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
Worried that you cant 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, 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 is covered in a health insurance policy?
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.

Cumulative Bonus
We reward you with additional sum insured when you do not make claim in a policy year by increasing your sum insured.

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

Pre & Post Hospitalisation
It means all your pre-hospitalization expenses upto 60 days of admission and post-discharge expenses till 180 days get covered, like the costs for diagnostics, investigation etc.

Day care 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
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 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
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
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
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*
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
Once you get yourself secured with our health insurance plan there no looking back, this health insurance plan continues for your entire lifetime on break free renewals, you dont have to exit from it.

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 not included?
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
You might think of causing injury to your precious self,but we dont want you to hurt yourself. Our policy does not cover self-imposed injuries.

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

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 is not eligible for coverage under your insurance policy.

Waiting Periods
First 24 Months From Policy Inception
Few illnesses & treatments are covered after 2 years of policy issuance.

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
Only accidental hospitalisations shall be admitted.