Overview
HDFC ERGO’s my:health Suraksha Silver is a basic policy with sum insured options ranging from ₹3 lakhs to ₹5 lakhs. It offers standard coverage—hospitalisation, day care, organ donor costs, AYUSH, home care, and mental health—with no room rent limits and no add-ons.
Experts Review
Written by Nikhil Nair
Senior Writer
For its price, my:health Suraksha Silver offers impressive depth. While the base plan caps coverage at ₹5 lakh, the benefits packed in are surprisingly robust for that bracket. It’s a significant upgrade over the Classic version, and with the right add-ons, you can extend its value without stepping into higher-tier plans like Gold or Platinum.
Wellness features are a definite plus. With the my:Health Active program, you can earn up to 10% renewal discounts for tracking your fitness or managing chronic illnesses. The cumulative bonus is generous too—your sum insured grows by 10% for every claim-free year, up to 100% max. Just note that the bonus amount reduces proportionally if you make a claim the following year.
The policy has no room rent limits, so you can choose any available hospital room without worrying about proportionate deductions. It also includes full pre- and post-hospitalisation coverage (60 and 180 days), AYUSH treatments, annual check-ups, and even 100% restoration of your sum insured in case of multiple hospitalisations.
That said, there are trade-offs. The tier-based co-payment (20% for lower-tier plans using higher-tier city hospitals) might sting if you're in a metro, though a ₹2,500 room rent exemption helps offset this. Waiting periods are standard: 30 days for new illnesses, 2 years for some conditions, and 3 years for pre-existing diseases.
Pros
Feature set is satisfactory.
Insurer has a solid track record with great claim and service metrics.
Cons
Premiums are relatively high.
Maternity benefits not offered, which is a notable gap.
Doctor consultations are not covered, which could be a drawback for some.
HDFC Ergo
Key Insights
Founded
2002
HDFC Ergo was established 23 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
98% claims settled in 30 Days
HDFC Ergo settles 98% of all claims it receives demonstrating strong credibility.
Network Hospitals
13,000+
HDFC Ergo has a strong network with over 13,000 hospitals, ensuring wide accessibility and convenience for policyholders.
Complaints
7 complaints per 10,000 claims registered
HDFC Ergo maintains a low volume of complaints, reflecting strong customer satisfaction and effective service.
Features
All
Great
Good
Co-payment
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.
Room Rent
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.
Disease sub-limit
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.
Pre existing diseases waiting
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.
Pre/Post hospitalization
No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 60 days before you are hospitalized and 180 days after discharge. This includes the cost of medication by the way.
Permanent Exclusions
Conditions or treatments that the policy clearly says it will not cover.
Any Convalescence, sanatorium treatment, private duty nursing or long-term nursing care.
Expenses related to any admission primarily for diagnostics and evaluation purposes are excluded.
Diagnostic expenses not related or incidental to current diagnosis and treatment are excluded.
Expenses for admission primarily for bed rest and not for treatment are excluded.
Custodial care at home or in a facility for help with daily activities is excluded.
Disclaimer: For illustration purposes only - exact terms are in the policy wording.
Specific Illness
The following illnesses are not covered under the policy for 2 years.
Diseases of gall bladder (including cholecystitis)
Non-infective arthritis
Pancreatitis
Urogenital stones (kidney, ureter, urinary bladder)
All forms of cirrhosis
Waiting Period
30 days Initial waiting period
2 years Specific illness waiting period
3 years Pre-existing disease waiting period
Ditto's Take
◦ Standard ◦
After a close look at the waiting periods, it’s safe to say they are fairly standard.
What's missing in the policy
Maternity benefits not offered.
Doctor consultations are not covered.
Compare Policies
Still confused?
Talk to our expert
advisor for
instant clarity
Frequently Asked Questions
Does myHealth Suraksha Silver have 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.
Does myHealth Suraksha Silver have room rent restrictions?
Does myHealth Suraksha Silver offer a restoration benefit?
TALK TO OUR ADVISORS
Get real help from advisors who listen, guide and go the extra mile for you.