Hospitalization (including COVID-19)
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Just like every other health insurance plan, we cover your hospitalization expenses due to illnesses and injuries seamlessly. my:health Koti Suraksha also covers treatment for COVID-19.
Pre & Post Hospitalisation
It means all your pre-hospitalization expenses of 60 days prior to admission and post-discharge expenses up to 180 days get covered, like the costs for medicines, diagnostics, physiotherapy, consultations, etc.
Unlimited Day Care Treatments
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.
Free Preventive Health Check-Up
Prevention is certainly better than cure and that’s why we offer a free health check-up within 60 days of renewing your my:health Koti Suraksha policy with us.
Road Ambulance
In case of emergency getting to the hospital on time is crucial. Hence, we have got your back here. my:health Koti Suraksha covers the cost of ambulance transport (within the same city).
Home Healthcare*^
If your doctor recommends that you can get yourself treated from the comfort of your home and avail medical facilities, then we cover home hospitalisation expenses too.
Organ Donor Expenses
Receiving an organ is indeed a lifesaver. We cover surgical expenses for harvesting a major organ from the donor’s body where insured is the recipient.
Alternative Treatments
Let your belief in alternative therapies like Ayurveda, Unani, Siddha, and Homeopathy stay intact as we cover hospitalization expenses for AYUSH treatment as well.
Lifelong Renewability
Once you get yourself secured with our health insurance plan there is no looking back. Our health plan continues to secure your medical expenses for your entire lifetime on break free renewals.
HDFC ERGO my:Health Koti Suraksha
HDFC ERGO my:Health Koti Suraksha
Overview
Overview
HDFC ERGO my:Health Koti Suraksha is a high-sum insured health insurance plan designed to provide extensive protection against rising medical costs. It offers coverage of ₹50 lakh up to ₹1 crore, suitable for individuals and families.
Key Features
Key Features
👉Sum Insured Options: ₹50 lakh and ₹1 crore
👉Policy Tenure: 1, 2, or 3 years (with discounts for long-term policies)
👉Coverage Type: Individual and Family Floater
👉Network Hospitals: 12,000+ across India
👉Cashless Claims: Fast approvals with a high claim settlement ratio
Benefits
Benefits
Hospitalization Cover
Hospitalization Cover
👉Pre-hospitalization: Up to 60 days
👉 Post-hospitalization: Up to 180 days
👉Daycare Procedures: All covered
👉No Room Rent Limit (on select variants)
👉COVID-19 treatment covered
Additional Medical Benefits
Additional Medical Benefits
👉Preventive health check-up every year
👉Alternative (AYUSH) treatments covered up to ₹50,000
👉Road ambulance expenses covered
👉Organ donor expenses covered
👉Domiciliary hospitalization and home healthcare included
👉Worldwide emergency cover up to ₹25 lakh
👉Overseas treatment for specified critical illnesses
Optional Add-ons
Optional Add-ons
👉Sum insured rebound
👉Waiver of co-payment and room rent limits
👉Cumulative bonus booster
👉Medical evacuation and last rites benefit
Personal Accident Cover (Optional)
Personal Accident Cover (Optional)
👉Accidental death
👉Permanent and temporary disability
👉Broken bones and burns
👉Hospital cash benefit
👉Education benefit for children
👉Parental care benefit
Waiting Periods
Waiting Periods
👉 Initial waiting period: 30 days (except for accidents)
👉Specific diseases: 24 months
👉Pre-existing diseases: Covered after 36–48 months
👉Co-payment: 20% for pre-existing diseases and for insured persons aged 60+
Renewal Benefits
Renewal Benefits
👉Cumulative Bonus: 10% each year (up to 100%)
👉Fitness Discount: Up to 10% at renewal (on select variants)
👉Free preventive health check-up annually
Why Choose This Plan?
Why Choose This Plan?
👉Very high coverage up to ₹1 crore
👉 No room rent sub-limits (in select variants)
👉 Extensive hospital network with quick claim settlement
👉Includes AYUSH, ambulance, organ donor, and global coverage
👉Renewal benefits that reward healthy living
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