A health insurance plan that completes you.

Get 360° protection against hefty medical bills with
my:health Suraksha.


No room rent



Sum Insured



Free Health Check-up

every year


Cashless Home


Quick Quote for your Health Insurance
Inclusion & Exclusions

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.


Hospitalization 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.


Daycare 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


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 harvesting a major organ transplant.


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’s no looking back, this health insurance plan continues for your entire lifetime on break free renewals, you don’t have to exit from it.


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 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.

A health insurance plan that
completes you.

Get 360° protection against hefty medical bills with
my:health Suraksha.

Enter your details

Although there is very little difference in the coverages of these plans, the main difference is the Sum Insured options available under each of these plans. SI options under-Silver Smart-3,4&5 Lacs-Gold Smart-7.5,10&15 Lacs-Platinum Smart-20,25,50&75 Lacs.

Geographical jurisdiction to avail medical treatment is India only.

Home healthcare is a unique^^^cashless cover whereby the insured can avail treatment at home if recommended by the treating medical practitioner towards Chemotherapy, Gastroenteritis, Hepatitis, Fever Management, Dengue etc

Immediately upon diagnosis of Illness, intimate Us with basic policy details, treatment plans and preferred date and time of initial assessment. We will inform our Home Healthcare service provider who will meet the treating medical practitioner, check if the patient requires any equipment, devices, and share the care plan and treatment cost estimation with Us. On receipt of the complete documents, we may issue an authorisation letter specifying sanctioned amount or reject the cashless request. Overall, this operates like any other cashless hospitalisation.

We will add to the Sum Insured, an amount equivalent to the last claim amount under the policy subject to maximum of basic sum insured only on subsequent hospitalisation of the insured person during the policy year. One can claim for same illness multiple times in the policy year, however, claim related to Chemotherapy and Dialysis will be paid only once in the lifetime of the policy. Also, balance rebound sum insured will not be carried forward to the next policy year.

No, you need not pay for pre-policy medical tests in case it is taken up at our network Diagnostic Centers. It is cashless. Only in case your policy is rejected based on adverse medical findings, 50% of the pre-policy check up cost is deducted from the premium refund amount.

No, OPD is not covered under my: health Suraksha.

Yes, younger spouse can be a proposer under my: health Suraksha. However, premium calculation is based on the age of eldest family member proposed.

Depending on the age and sum insured opted, pre-policy medical checkup varies. Pre-policy medical checkup typically has Medical Examination Report by the Physician, few blood & Urine tests & ECG. TMT, 2D echo, Sonography etc can also be part of the PPC check up list depending on the Sum insured and age of the customer.

In case of Organ Transplantation, donor expenses like screening, organ harvesting&donor hospitalisation expenses are covered. Cost of Organ per se is not covered

You can pay your policy premium through debit & credit card issued by your bank, internet banking, wallet/cash card, EMI, UPI (GPay, PhonePe, Paytm, etc. ), QR code. Please note, we do not accept payment through any club card or diners' card.