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My: Health Koti Suraksha Individual
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Synopsis:
HDFC ERGO’s my:health Koti Suraksha, a policy that gives you a cover of Rs. 1 Cr in low premiums.

Highlight:

  • Age at Entry:- Adults Min 18 Years Max 65 Years, Children Min 91 days max 25 Years
  • Policy period:- is policy can be issued for 1 year/2 years/3 years.
  • Family Discount:- A discount of 10% on the premium shall be offered if 2 or more family members under Individual Plan
  • Long Term Policy Discount:- A discount of 7.5% and 10% shall be offered on premium, in case a policy is purchased for 2-year and 3-year tenure respectively
  • Zone:-Tier 1a: Delhi and NCR region, Tier 1b: Mumbai, Mumbai Suburban and Navi Mumbai, Pune, Surat, Ahmedabad, Tier 2: Rest of India
  • Mental Illness:- The Coverage for mental illness is applicable if done in a mental health establishment and is subject to the provisions contained in the Mental Health Care Act, 2017
  • Home Healthcare:- Hospitalization at home under Home Healthcare for medically-necessary treatment of illnesses, availed through cashless facility only.
  • Domiciliary Hospitalization:- Pays for expenses incurred for medical treatment taken at home, on the advice of a physician.
  • Health Coach::- Access to health coaching services in areas like disease management, activity and tness, nutrition as well as weight management
  • Fitness Discount @ Renewal:- Insured Person can avail Fitness discount of upto 10% at each renewal
  • Health Incentives:- Upto 50% reduction in Medical Underwriting Loading applied on first inception of the policy, provided the Insured undergoes medical tests and/or BMI check-up as listed in the policy wordings
  • Emergency Worldwide Coverage:- Pays medical expenses on medically necessary hospitalization of an insured person outside India due to life threatening situation
Benefit:
Title Description
Additional Cover for Critical Illness my:health Critical Illness Add On
Ambulance Expenses Pays for the expenses incurred on Road Ambulance services in case of any emergency. Air Ambulance covered upto Rs 5 Lakh
Automatic Restoration of Sum Insured Sum Insured Rebound Adds to the sum insured, an amount equivalent to the claim amount paid under Basic Sum Insured, subject to maximum of basic sum insured, on subsequent hospitalization of the insured person during a policy year
Co-Payment Co-payment - Only applicable to Section A. 20% for all lives with PED at inception of policy will be applicable only during waiting period applicable to pre-existing diseases.. 20% for age at entry above 60 years.
Day Care Procedure Coverage covered
Donor Expenses Covers Medical Expenses towards organ donors hospitalization for harvesting of the donated organ where the insured person is the recipient
Free Health Checkup At the time of renewal of the policy
ICU Daily Rent Limit Covered
Minimum Hospitalization Period 24 hours
No Claim Bonus 10% of the basic sum insured, up to a maximum of 100% of Basic SI. Cumulative Bonus – Booster 50% of basic SI maximum of 100%
Non-Allopathic Treatments Covers medical expenses for hospitalization of insured in an Ayush Hospital up to the limits specified in the policy schedule AYUS
Post Hospitalization Expenses 90 days
Pre-Existing Disease / Illness coverage Covered after 48 months of continuous coverage
Pre-Hospitalization Expenses 60 days
Room Rent Limit Up to Single Standard AC Room
Waiting Period for New Policy 30-day waiting period