HDFC ERGO my:Health Koti Suraksha Insurance Plan

HDFC ERGO myHealth Koti Suraksha Plan - BimaBandhu

In times marked by escalating healthcare costs and unforeseen medical emergencies, securing comprehensive health insurance is crucial. Recognizing this imperative, HDFC ERGO Health Insurance introduces the my:Health Koti Suraksha Insurance Plan. This insurance policy is suitable for those seeking a shield against the uncertainties of health-related expenditures.

The my:Health Koti Suraksha Insurance Policy is crafted to offer a myriad of distinctive benefits, including worldwide coverage, alternative treatments, and more. It can be an optimal choice for those requiring sum insured options ranging from Rs. 50 lakh to Rs. 1 crore. 

As you delve into the intricacies of this insurance plan, you will realise it’s a shield against the uncertainties that life may present in the form of medical challenges. 

Key Benefits of HDFC ERGO my:Health Koti Suraksha Plan

  • Sum Insured ranging from Rs. 50 Lakhs to Rs. 1 Crore
  • Policy tenure offering flexibility with policy tenures of up to 3 years
  • Extensive network of over 12,000 hospitals
  • Incurred Claim Ratio of 97.47%**
  • Pre-existing disease waiting period for 3 years
  • Specific disease waiting period of 2 years for specific diseases
  • Initial waiting period of 30 days

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Benefits of HDFC ERGO my:Health Koti Suraksha Plan

  • Cumulative bonus of 10% of the basic sum insured amount at the end of each claim-free policy year, with the potential to accumulate up to 100% of the basic sum insured
  • Coverage for medical expenses related to illness or injury, applicable 60 days prior to hospitalisation and 180 days post-discharge, and more

Inclusions of HDFC ERGO my:Health Koti Suraksha Insurance

  • Reimbursement ranging from Rs. 2,000 to Rs. 10,000 for expenses incurred during emergency road ambulance services
  • Assistance of up to Rs. 50,000 for expenses related to alternative treatments such as Unani, Siddha, Ayush, or Homeopathy
  • Coverage for expenses associated with homecare treatment recommended by a healthcare provider or physician
  • Comprehensive coverage for the cost of organ donation
  • Extensive coverage for medically required hospitalisation due to injury or illness
  • Inclusive coverage for expenses incurred during daycare procedures
  • Coverage for medical emergencies outside India up to Rs. 25 lakh
  • In-depth coverage for overseas medical treatments related to specific illnesses 

Exclusions of HDFC ERGO my:Health Koti Suraksha Insurance Plan

  • Surgeries related to gender transformation
  • Cosmetic or plastic surgeries
  • All forms of rest, rehabilitation, and respite care, aligning with the plan’s emphasis on addressing active medical needs
  • Surgeries or treatments aimed at weight loss
  • expenses related to diagnostic and health evaluation requirements
  • Non-reimbursement for over-the-counter medicines
  • Claim amounts falling within the limits of aggregate deductible
  • Non-coverage for all maternity-related medical treatments or expenses incurred due to childbirth

Also Read: A Complete Guide to Finding Cheap Health Insurance Plans

HDFC ERGO my:Health Koti Suraksha Insurance Eligibility

  • Minimum Entry Age: 18 years for adults, 91 days for children
  • Maximum Entry Age: 65 years for adults and 25 years for child
  • Coverage Type: Individual, Family Floater
  • Renewability: 1 year, 2 years, and 3 years


Is the HDFC ERGO my:Health Koti Suraksha Insurance Plan a recommended insurance option?

HDFC ERGO my:Health Koti Suraksha Insurance Plan stands out as a commendable choice. It offers extensive coverage for a diverse range of illnesses and treatments while maintaining affordable premiums. This ensures that policyholders receive comprehensive protection and enjoy the financial benefits of reasonable insurance costs. 

Does the HDFC ERGO my:Health Koti Suraksha Insurance Plan entail mandatory co-payments?

A 20% co-payment is applicable for policyholders with pre-existing diseases and individuals aged 60 years and above. This means that, in specific situations, the insured will bear a portion of the medical expenses covered by the insurance, emphasising the shared responsibility in managing healthcare costs. 

What additional services are offered to the insured through the HDFC ERGO my:Health Koti Suraksha Insurance Plan?

The HDFC ERGO my:Health Koti Suraksha Insurance Plan goes beyond traditional coverage, providing a spectrum of value-added services for the insured. These include wellness services, fitness discounts during renewal, preventive health check-ups, and access to health coach services, among various others. 

Can I customize the sum insured under the HDFC ERGO my:Health Koti Suraksha Insurance Plan?

The plan offers flexibility in choosing your sum insured, ranging from Rs. 50 lakhs to Rs. 1 crore. This allows you to tailor the coverage according to your specific healthcare needs and preferences.

What is the waiting period modification option in the HDFC ERGO my:Health Koti Suraksha Insurance Plan?

The waiting period modification option empowers policyholders to align the waiting period with pre-existing diseases, making it 36 months. This flexibility ensures that your coverage adapts to your evolving healthcare needs over time.

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