HDFC Ergo

my Health Suraksha Platinum: A premium policy offering a massive cover (20 lakhs-75 lakhs) with comprehensive benefits and extra bonus cover compared to the Gold plan. Truly platinum-grade.

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whatWeLike What We Like

This section highlights the strengths and benefits of myHealth Suraksha Platinum 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.

You most likely don't have to split the bill

No Co-Payment: The insurer will bear the entire cost of treatment (up to the sum insured) unless you explicitly opted to pay a portion of the bill. If...

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You can pick any room you like

Room Rent Flexibility: You can choose any room, whether it's a shared room, single room, or deluxe room, as there are no restrictions on room rent wit...

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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...

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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...

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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...

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Covers Alternative Medicine

Full Coverage for Alternative Treatments: Thinking of getting Ayurvedic, Homeopathic, or other alternative treatments to cure an illness? Your insure...

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You always have full cover irrespective of the disease

No Disease-Wise Sub-Limits: If your insurer hasn't explicitly excluded an illness, you can claim the full sum insured for any disease, as this policy ...

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Good Restoration Benefit

Multiple Hospitalizations: After a partial claim, the insurer will fully restore your cover for any future hospitalizations within the same year, allo...

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Special Bonus for being healthy and not claiming insurance

Sum Insured Increase (25% Annually, Cap at 200%, Claim Reduction): Your sum insured increases by 25% each year as long as you make no claims during th...

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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...

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whatIsOk What Is Okay

This section outlines the satisfactory but not exceptional aspects of myHealth Suraksha Platinum 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.

Reasonable waiting period for pre-existing diseases

Coverage After 3 Years: If you have diabetes, cardiovascular problems, or similar illnesses, the insurer covers all related costs after a 3-year waiti...

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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 Suraksha Platinum 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 Suraksha Platinum Plan offers a higher sum insured along with additional benefits such as global coverage for emergency hospitalization and wellness programs.

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, personalized health coaching, and access to fitness programs.

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