HDFC Ergo

HDFC Ergo

myHealth Suraksha Platinum

HDFC ERGO’s my:health Suraksha Platinum is their top-tier plan, built for those who want premium, worry-free coverage. With sum insured options from ₹20 lakh to ₹75 lakhs, it’s perfect for high medical inflation. You get full in-patient cover (including mental health), day care, organ donor, home care, and AYUSH—paid at actuals, no room rent or ICU caps. Plus, wellness perks and up to 10% fitness discounts make this plan truly all-inclusive.

What's good here?

coPay

You’ll never have to split the bill

The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.

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roomRent

You can pick any room you like

Shared room, single room, deluxe room or any room that’s available. The insurer won’t nitpick on your choice of room since the policy has no restrictions on room rent.

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prePost

Pre & Post hospitalization

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dayCare

Day Care treatments covered

If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.

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domiciliary

Full coverage even if you are forced to hospitalize at home

The insurer will bear the costs even if you are hospitalized at home due to a condition or the hospital running out of beds. In insurance lingo, they call this a policy with domiciliary cover.

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diseaseSublimit

You always have full cover irrespective of the disease

No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.

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restoration

Good Restoration Benefit

Even after you claim part of the cover on one occasion, you will have 100% of the cover restored, so that you can use this benefit in the event you have to endure multiple hospitalizations.

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healthCheckup

Free Health Checkups every year

If you’re planning on getting a full body checkup every year just to make sure you’re in fine working condition, the insurer will cover the costs.

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ayush

Covers Alternative Medicine

Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will cover you fully, up to the sum insured.

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What's bad here?

maternity

Maternity benefits not offered

TODO

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What's okay here?

ped

Reasonable waiting period for pre-existing diseases

If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.

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ncb

Special Bonus for being healthy and not claiming insurance

Your sum insured increases by 25% each year, so long as you make no claims during this period. But before you get too ahead of yourself, do note that they’ll stop offering you the bonus when your sum insured increases by 200%. Also, the bonus amount will reduce at same rate each time you make a claim. But hey, it's still a bonus.

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opd

Doctor consultations covered

In the event, you are feeling sick and you want to visit your family physician for a general checkup, the insurer will cover the costs.

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Frequently Asked Questions

Yes. myHealth Suraksha Platinum imposes 3 kinds of waiting periods -
  • 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
  • Specific Illness Waiting Period: There’s a 2-year waiting period for a list of diseases which is a mandate before you can start claiming.
  • Pre-Existing Disease Waiting Period: There's a 3-year waiting period for any pre-existing disease you may have while buying the policy.
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