Q1. Is the HDFC ERGO my:Health Koti Suraksha Insurance Plan a good insurance plan?

Ans: Yes. The HDFC ERGO my:Health Koti Suraksha Insurance Plan is a good insurance plan as it provides coverage for various illnesses and treatments with low-cost premiums.

Q2. Are there any mandatory co-payments that must be paid within the HDFC ERGO my:Health Koti Suraksha Insurance Plan?

Ans: Yes. There is a 20% co-payment for policyholders with pre-existing diseases and anyone above the age of 60 years.

Q3. What value-added services are provided for the insured under the HDFC ERGO my:Health Koti Suraksha Insurance Plan?

Ans: The HDFC ERGO my:Health Koti Suraksha Insurance Plan provides the insured with wellness services, fitness discounts at the time of renewal, preventive health check-up services and health coach services, among many others.

HDFC ERGO my:Health Koti Suraksha Insurance Plan

The HDFC ERGO my:Health Koti Suraksha Insurance Policy has been created to help the insured with the rising medical bills. This policy includes several unique benefits such as emergency worldwide cover, alternative treatments and overseas treatment among others. HDFC ERGO my:Health Koti Suraksha Insurance is an ideal choice for anyone looking for extensive sum insured options above Rs. 50 lakh to Rs. 1 crore.

HDFC ERGO my:Health Koti Suraksha Plan
Categories	Specifications
Sum Insured	Rs. 50 Lakhs to Rs. 1 Crores
Policy Tenure	Up to 3 years
Network Hospitals	12000+
Incurred Claim (2021-2022)	97.47%
Pre-policy Medical Check-Up	May be required
Pre-Existing Disease Waiting Period	3 Years
Specific Disease Waiting Period	2 Years
Initial Waiting Period	30 Days

Benefits of HDFC ERGO my:Health Koti Suraksha Plan

The following are the benefits of purchasing the my:Health Koti Suraksha Plan:

Preventive Health Check-up – With the HDFC ERGO my:Health Koti Suraksha Plan, the insured or their dependents will be eligible for a health check-up at the end of each policy year.
Cumulative Bonus – At the end of each policy year without any claims, the HDFC ERGO my:Health Koti Suraksha Insurance Plan will provide 10% of the basic sum insured amount and is applicable up to 100% of the basic sum insured.
Pre and post-hospitalisation – The HDFC ERGO my:Health Koti Suraksha Insurance Plan covers medical expenses that have affected the insured due to an illness or an injury. It is applicable for 60 days just before hospitalisation and 180 days from the day of discharge from the hospital.
Hospitalisation Expenses –Through HDFC ERGO my:Health Koti Suraksha Insurance Plan, the insured or their dependents will be reimbursed for any expenses incurred for room and boarding, ICU and nursing consultation charges. It also includes the costs incurred for medicines and other diagnostic tests.
Waiting Period Modification Option – Through this benefit under the HDFC ERGO my:Health Koti Suraksha Insurance Plan, the insured can modify the waiting period to become the same as pre-existing diseases, i.e. 36 months.

HDFC ERGO my:Health Koti Suraksha Insurance Eligibility

HDFC ERGO my:Health Koti Suraksha Insurance Eligibility
Parameters	Eligibility Criteria
Minimum Entry Age	Adult – 18 years Child – 91 Days
Maximum Entry Age	Adult - 65 years Child – 25 Years
Coverage Type	Individual, Family Floater
Renewability	1 Year, 2 Year, 3 Year

Inclusions of the HDFC ERGO my:Health Koti Suraksha Insurance

The following are the inclusions of the HDFC ERGO my:Health Koti Suraksha Insurance plan:

Road Ambulance Cover – The HDFC ERGO my:Health Koti Suraksha Insurance Plan will pay from Rs. 2000 to Rs. 10,000 for the expenses incurred when using emergency road ambulance services.
Alternative Treatment Cover – The HDFC ERGO my:Health Koti Suraksha Insurance Plan will help pay up to a sum of Rs.50,000 for the expenses incurred at the time of any alternative treatments like Unani, Siddha, Ayush or Homeopathy.
Domiciliary Healthcare Benefits – The HDFC ERGO my:Health Koti Suraksha Insurance Plan covers the expenses incurred for any homecare treatment provided to the insured or their dependents at the advice of a healthcare provider or a physician.
Organ Donor Benefits – With this benefit provided through the HDFC ERGO my:Health Koti Suraksha Insurance Plan, the cost of harvesting the organ for the insured will be covered.
Hospitalisation Benefits – The HDFC ERGO my:Health Koti Suraksha Plan offers coverage for any medically required hospitalisation caused due to any injury or illness within the policy duration. The expenses include diagnostic procedures, medicines, consultation and nursing charges, room rent and boarding charges.
Day Care Procedures – The policy also provides the insured or their dependents coverage for any expenses incurred during daycare procedures.
Emergency Worldwide Coverage – The HDFC ERGO my:Health Koti Suraksha Plan provides coverage for medical emergencies outside India upto a sum of Rs. 25 lakh. This health insurance will provide the insured with emergency hospitalisation until they return to India.
Overseas Treatment – With the HDFC ERGO my:Health Koti Suraksha Plan, the insured are covered for overseas medical treatments for significant illnesses like Multiple Sclerosis with long-term symptoms, kidney failure leading to regular dialysis, and severe cancer.

Exclusions of HDFC ERGO my:Health Koti Suraksha Insurance Plan

The exclusions from HDFC ERGO my:Health Koti Suraksha Insurance Plan are as follows:

Gender transformation surgeries
Cosmetic or plastic surgeries
All forms of rest, rehabilitation and respite care
Any surgery or treatments that aid in weight loss
Any expenses incurred for diagnostic and health evaluation requirements.
Medicines or substances that can be purchased without a prescription.
Claim amounts that are within the limits of aggregate deductible.
All maternity-related medical treatments or expenses incurred due to childbirth.

FAQs

Q1. Is the HDFC ERGO my:Health Koti Suraksha Insurance Plan a good insurance plan?

Ans: Yes. The HDFC ERGO my:Health Koti Suraksha Insurance Plan is a good insurance plan as it provides coverage for various illnesses and treatments with low-cost premiums.
Q2. Are there any mandatory co-payments that must be paid within the HDFC ERGO my:Health Koti Suraksha Insurance Plan?

Ans: Yes. There is a 20% co-payment for policyholders with pre-existing diseases and anyone above the age of 60 years.
Q3. What value-added services are provided for the insured under the HDFC ERGO my:Health Koti Suraksha Insurance Plan?

Ans: The HDFC ERGO my:Health Koti Suraksha Insurance Plan provides the insured with wellness services, fitness discounts at the time of renewal, preventive health check-up services and health coach services, among many others.

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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