my:health Suraksha - Gold Smart Plan

Serving your health care needs over a decade, we at HDFC ERGO now understand your medical requirements. Hence, keeping in mind your growing need to secure exhaustive medical contingencies, we've launched my:health Suraksha - a simplified yet wholesome health insurance plan which suits everyone. By settling 90% cashless claims in less than 20 minutes, HDFC ERGO Health Insurance knows the importance of time. 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.

Reasons to choose my : health Suraksha Gold Smart Plan
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
Worried about sum insured shortage to treat illnesses? With sum insured rebound cover, 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's Included?
Sum Insured Rebound
Get additional sum insured equivalent to the admissible claim amount upto a maximum of the basic sum insured.

Day Care Procedures
Your hospitalization lasted for just a day that doesn't mean it remains excluded. We cover 586 day care procedures.

Pre-hospitalisation Cover
Before hospitalisation, there are expenses towards doctor consultations, check-ups and prescriptions. We provide full coverage of such expenses 60 days prior to hospitalisation.

Post- hospitalisation Cover
Post- hospitalisation Cover
Get full coverage of expenses incurred on doctor consultations, rehabilitation charges etc. till 180 days after discharge from hospital.

Mental Healthcare
If any of the insured member suffers from mental illness, the expenses for hospitalization gets covered.

Home Healthcare
If your doctor recommends treatment at home, you can avail the services right at your home that too with ""cashless facility.

Hospitalisation Expenses
Hospitalisation Expenses
Everything from bed- charges, nursing charges, blood tests, ICU and consultation fees gets covered effortlessly.

Road Ambulance Cover
Transfer from hospital to home in an ambulance (within the same city) is also covered if the insured encounters life-threatening medical emergency.

Organ Donor Expenses
For a noble deed as organ donation, we cover the organ harvesting expenses incurred to the donor in case the insured has to undergo organ transplant.

Alternative Treatments (Non-Allopathic)
We support the healing powers of Ayurveda, Unnani, Sidha and Homeopathy treatment. No matter what type of treatment you prefer, we are always there for you in the time of need.

Recovery Benefit
We pay out a lump sum amount of Rs.15000 as recovery benefit if hospitalization exceeds 10 continuous days so that taking care of household expenses doesn't stress you out.

Air Ambulance
In case of an emergency that requires air ambulance services like airplane or helicopter to the nearest hospital, we get it covered seamlessly.

What's 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 don't 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.

For detailed inclusion and exclusion please refer the sales brochure/policy wordings

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 hospitalizations shall be admitted.