Healthcare Insurance Plans | Check Your Insurance Coverage

HDFC Ergo

HDFC Ergo

Koti Suraksha: Offers a grand cover of 1 Crore but limits payouts to 75,000 for conditions like kidney stones or benign tumors. It's great for covering rare, costly diseases.

What We Like

This section highlights the strengths and benefits of myHealth Koti Suraksha policy by HDFC Ergo. It covers what the policy does exceptionally well, including aspects that provide significant value and peace of mind to the policyholder. Here, you will find the major advantages and positive features that make this policy stand out.

Pre & Post hospitalization expenses covered

Diagnostic Tests Coverage (60 days/180 days): No worries if the doctor has to run a host of diagnostic tests before or after hospitalizing you. The in...

Day Care treatments covered

Minor Procedure Full Coverage: If you're hospitalized for less than 24 hours for a minor procedure, the insurer will cover the costs. This includes tr...

Free Health Checkups every year

Annual Full Body Checkup: If you’re planning on getting a full body checkup every year just to make sure you’re in fine working condition, the insurer...

Some Cover for Alternative Medicine

Alternative Treatment Coverage (?50,000): Thinking of getting Ayurvedic, Homeopathic, or other alternative treatments to cure an illness? Your insurer...

Special Bonus for being healthy and not claiming insurance

Sum Insured Increase (10% Annually, Cap at 100%): Your sum insured increases by 10% each year, provided no claims are made during this period. The bon...

Full coverage even if you are forced to hospitalize at home

Domiciliary Cover: The insurer will bear the costs even if you are hospitalized at home due to a condition or the hospital running out of beds. This i...

What Is Okay

This section outlines the satisfactory but not exceptional aspects of myHealth Koti Suraksha policy by HDFC Ergo. It includes features and benefits that are adequate and meet standard expectations. While these elements may not be extraordinary, they still contribute to the overall usefulness and reliability of the policy.

You can pick a Single Private room but nothing fancy

Coverage After 4 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs after a 4-year wa...

What We Don't Like

This section addresses the limitations and drawbacks of myHealth Koti Suraksha policy by HDFC Ergo. It highlights areas where the policy may fall short or aspects that could be improved. Understanding these points is crucial for making an informed decision and managing expectations regarding the policy’s coverage and service.

You will have to pay a portion of the bill

Pre-existing Conditions and Age: 20% coverage for pre-existing conditions during the waiting period, and 20% for those over 60 years old.

Has disease wise sub-limits

Pre-existing Conditions and Age: 20% coverage for pre-existing conditions during the waiting period, and 20% for those over 60 years old.

Long waiting period for pre-existing diseases

Coverage Limits for Cataract, Benign Tumors, Stones, Hernia, Appendectomy, Hysterectomy: Your insurance cover won’t be fully available if you are trea...

No Restoration Benefit

Room Choice Co-Payment: You can share a room or have a single room for yourself. But if you're looking for something fancier, be ready to foot part of...

Has disease wise sub-limits

Pre-existing Conditions and Age: 20% coverage for pre-existing conditions during the waiting period, and 20% for those over 60 years old.

Long waiting period for pre-existing diseases

Coverage Limits for Cataract, Benign Tumors, Stones, Hernia, Appendectomy, Hysterectomy: Your insurance cover won’t be fully available if you are trea...

No Restoration Benefit

Room Choice Co-Payment: You can share a room or have a single room for yourself. But if you're looking for something fancier, be ready to foot part of...

Long waiting period for pre-existing diseases

Coverage Limits for Cataract, Benign Tumors, Stones, Hernia, Appendectomy, Hysterectomy: Your insurance cover won’t be fully available if you are trea...

No Restoration Benefit

Room Choice Co-Payment: You can share a room or have a single room for yourself. But if you're looking for something fancier, be ready to foot part of...

No Restoration Benefit

Room Choice Co-Payment: You can share a room or have a single room for yourself. But if you're looking for something fancier, be ready to foot part of...

Frequently Asked Questions

Medfin offers the latest surgical procedures to ensure that you
recover as fast as possible in the least painful way possible.

The claim settlement ratio for Myhealth Koti Suraksha in 2024 is 99.41%. This high ratio demonstrates the insurer's commitment to efficiently processing claims, offering peace of mind to policyholders.

The MyHealth Koti Suraksha Plan is designed for comprehensive health coverage with a high sum insured, ideal for individuals seeking extensive protection.

Yes, pre-existing conditions are covered after a waiting period of 36 months.

The plan covers hospitalization expenses up to the sum insured, including room rent, ICU charges, and doctor’s fees.

Yes, the plan includes wellness benefits such as health check-ups, access to fitness programs, and personalized health coaching.

Confused? Talk to our certified health insurance experts

If you're unsure about how to use your insurance for an upcoming surgery or need help understanding your current coverage, talk to an expert for FREE by clicking here. Book a call now, limited slots available!

Our Most Popular Treatments

Most Popular Treatment Costs

Book appointment Talk To Expert