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Last updated on: July 22, 2025

Quick Summary

HDFC ERGO My Health Suraksha Insurance Plan is a flexible and comprehensive health insurance policy in India for 2025, offering coverage up to ₹75 lakh for individuals and families. Available in Silver, Gold, Platinum, and Supreme variants, it includes hospitalisation, 586+ day care treatments, pre and post-hospitalisation, AYUSH care, and optional add-ons like maternity, OPD, and critical illness. It supports cashless claims at over 13,000 hospitals, free annual health check-ups, and wellness rewards. With no room rent capping (except in Silver plan), fast digital claims, and lifetime renewability, it suits young professionals, families, and elderly alike. Though pre-existing diseases have a 2–4 year waiting period, its features like sum insured restoration and e-consultations make it a top pick. Backed by a 96%+ cashless claim rate and strong customer support, it is one of the most balanced health insurance plans for modern Indian households in 2025.

HDFC ERGO My Health Suraksha Insurance plan

The importance of health insurance has gained momentum in the lives of Indian families owing to the fact that in 2025, the medical expenses are bound to be on the rise. The fact that one is picking the right plan is beyond security as that brings a sense of true peace. My Health Suraksha Insurance Plan HDFC ERGO is a complete plan, which aims at providing a financial security to the individuals or a family, in case of unexpected medical bills.

This article will be grasping into the details, features, advantages and disadvantages, coverages, and to whom it is suitable this HDFC ERGO My Health Suraksha Insurance. The actual questions and important points of contact in 2025 are also indicated, so you can make a decision on whether this health policy suits you well.

What is this HDFC ERGO My Health Suraksha Insurance Plan?

What are the functions of My Health Suraksha to policyholders in 2025?

HDFC ERGO My Health Suraksha is a health insurance plan that covers the cost of illness, accident or surgery. The plan is available in Silver, Gold, Platinum, and Supreme category so that you could choose a suitable and most appropriate coverage according to your needs and budget. It will be available as an individual policy or a family floater, which makes it fit any needs.

This scheme includes the expense of hospitalisation, day cares, pre and post hospitalisation expenses as well as some other health management benefits. Customers have a smoothing digital experience, cashless settlement of claims in more than 13,000 partner hospitals, and the choice to add add-ons such as critical illness or maternity covers in 2025.

HDFC ERGO My Health Suraksha Insurance should be purchased by whom?

  • People seeking extensive health insurance cover.
  • The young couples and nuclear families in need of maternity and health protection in the future.
  • Elderly people or parents who require certain medical covers.
  • Busy professionals who have to suffer a simple claim procedure.

Did you know?
In India, IRDAI claimed that the average hospitalisation price rose by 12 percent during the second half of 2023 to 2025, and this makes a good health insurance a prudent financial move.

What are the salient features and and benefit of Practo HDFC ERGO My Health Suraksha?

What are highlight in this plan in 2025?

HDFC ERGO My Health Suraksha plan has the reputation of flexibility, transparency, and access to it opportunities through digital form. Among the main characteristics are:

  • Coverage between 3 lakh up to 75 lakh.
  • Option for individuals and families (up to 6 members in a family floater, including dependent children).
  • All-day care procedures covered (over 586 listed).
  • Pre and post hospitalisation benefits: Within 60 days of admission and 180 days after admission.
  • AYUSH treatments (Ayurveda, Yoga, Unani, Siddha, and Homeopathy).
  • Most variants have no capping of room rents.
  • Reinstatement of the sum insured up to 100 percent in an event that the sum is expended.
  • Annual preventive check up at no cost.
  • Unlimited e-consultation and unlimited tele-consultation to policyholders.
  • Maternity and newborn add-on (after a short waiting period).
  • Wellness reward point and health coach.

What distinguishes it among other health insurance plans?

Unlike traditional policies, HDFC ERGO My Health Suraksha in 2025 comes with digital-first claim processing, single private room coverage (apart from the Silver plan), and no sub-limits for most major diseases. Travellers can also contact other parts of the world temporarily through the addition of global covers at additional fees.

Did you know?
HDFC ERGO was awarded the “Best Health Insurance Provider” in 2024 by Business Today for its innovative claim settlements and customer-centric portals.

Which Are the Benefits Covered by HDFC ERGO My Health Suraksha 2025?

Which are the treatments and services?

Its policy coverage is inclusive and addresses numerous medical necessities in the real world. Main inclusions:

  • Inpatient hospitalisation: Staying in a room, cost of surgery in the ICU, physician, medication costs, lab tests.
  • Pre hospitalisation and post: Tests, drugs, surgeries connected with a covered treatment.
  • Day care procedures: More than 586 enumerated procedures involve dialysis, chemotherapy, minor operations.
  • Domiciliary treatments: This kind of treatment is at the home rather than hospital, although requiring a hospital level of care.
  • Organ donor expenses: The medical expenses in relation to organ donor during transplant.
  • AYUSH cover: The sum insured.
  • Emergency ambulance costs: Up to Rs 2,000 or more, according to plan.

Optional add-ons:

  • Critical illness cover up to 15 diseases.
  • Maternity and newly born baby cover.
  • OPD over reimbursement at outpatient visits and diagnostics.
  • Unintentional hospitalisation not part of regular hospitalisation.

People also enquire:
Q: Does it come with a waiting period of pre-existing illness with this plan?
A: Yes and the plan comes with a waiting period of 2 to 4 years in terms of pre-existing diseases depending on the variant.

What Do the Exclusions and Limitations Entail?

Which are the usual exclusions in this policy?

Regardless of the wide coverage, there are common exclusions, among which are:

  • Healing of self-imposed bruises or attempted suicide.
  • Health problems with alcohol or drugs.
  • Any cosmetic or aesthetic procedures, without exception of accident or scarring.
  • Treatments outside India (unless global add-on is bought).
  • Injuries caused by War, civil strife, or nuclear events.
  • Waiting period: preexisting diseases.

It is important to be able to make smart decisions knowing about the exclusions.

Did you know?
My Health Suraksha has Supreme and Platinum plans which provide the best restoration and minimal sub-limits as compared to entry-level plans.

What are the advantages and disadvantages of HDFC ERGO My Health Suraksha?

What are the negatives and positives to policyholders?

Pros:

  • Extensive 13,000 plus hospital network.
  • Paper-less, cash-less claims procedure.
  • Supreme variant: Sum insured can be restored without limitations.
  • Wide range of flexible sum insured, up to 75 lakh rupees.
  • Various value-adds: Health check-up, tele consultation, wellness programs.
  • Lower delays in getting treatment of certain diseases than peers.
  • The AYUSH, daycare, and organ donor cover are also standard along with the domiciliary cover.
  • Capping of most plans on room rent.

Cons:

  • Sub-limites or room capping of Silver variant.
  • 2-4 years of waiting periods on pre-existing and specific illnesses.
  • Only riders available on maternity and OPD.
  • Policies available on renewability to senior citizens.
  • Processing of some complex claims can be time-consuming when the documents are incomplete.

What do other Health Insurance Plans Offered by HDFC ERGO Amount to in Comparison with HDFC ERGO My Health Suraksha?

Which is a better money-value plan in 2025?

Comparison Table: HDFC ERGO My Health Suraksha versus ICICI Lombard Health Shield and Max Bupa ReAssure (Family Floater)

PremiumHDFC ERGO My Health SurakshaICICI Lombard Health ShieldMax Bupa ReAssure
Coverage Limit (Rs)3 lakh to 75 lakh5 lakh to 50 lakh5 lakh to 1 crore
Room Rent LimitNone (except Silver)Private singlePrivate single
Restoration BenefitUp to 100 per cent unlimitedOnce in policy yearUnlimited
No Claim Bonus10 percent per annum 100%20 per cent per annum 100%50 per cent to 100%
Maternity CoverWaiting as add-on2 years after as add-on2 years after as add-on
Network HospitalsMore than 13 000More than 7 500More than 9 000
Preventive CheckupOnce every 1 yearAfter 2 claim wise yearsOnce every 1 year
Outpatient ConsultationStandard in select plansAs add-onStandard in select plans
Premium (family, age 35, 5 lakh)Rs. 16,900 approx.Rs. 18,400 approx.Rs. 17,200 approx.

Another question is:
Q: Is HDFC ERGO My Health Suraksha too costly than the rest?
A: The premium is competitive and in many cases below some of the leading insurance companies in regard to rates and network advantage on similar insurance and coverage.

Did you know?
The wellness program can detain rewards of up to Rs 10,000 per annum, and could be redeemed as reward vouchers or discount on the premium.

Where can I Purchase HDFC ERGO My Health Suraksha in 2025?

How do online and offline purchase occur?

The process of purchasing the policy is very easy and simplified as of 2025:

Online:

  • You access the mobile application or web site of HDFC ERGO.
  • Indicate family information and sum insured.
  • Under plan variant and add-ons, pick what you need.
  • Make health declarations and uploade documents.
  • Upay online through UPI, Debit card, Net Banking.
  • Policy soft copy is available immediately on email and WhatsApp.

Offline:

  • Visit HDFC ERGO office or call authorised agents.
  • Complete KYC, fill proposal form, and pay premiums.
  • Policy documentary sent through registered mail and email.

Note: 15 days free-look period to review after purchase.

My Health suraksha policyholders are wondering what cliam process looks like.

What to do when hospitalisation or treatment happens?

  • HDFC ERGO should be informed immediately when hospitalisation is planned or at the time of admission in emergencies.
  • Bring your health e-card or your policy number.
  • Fill in claim form, ID, medical reports, hospital bills.
  • In cashless: Hospital liaises directly with insurer.
  • To cover out of pocket: Pay at time of treatment, reimbursement after review of claim documents.
  • Claims may be followed on-line. Network hospitals use average cashless approval that shows less than 20 minutes in 2025, making it one of the quickest in the industry.

The other question that people pose is as follows:
Q: How do I contact HDFC ERGO to dispute a claim or seek advice?
A: Open 24x7 help line, WhatsApp chat or write an email message to get timely response.

Did you know?
Over 96 percent claim settlement in 2024 2025 occurred in the direct cashless mode, which reduced the paperwork among the insured members.

What are my Customisations and Add-On options?

What are the other covers that can be taken under My Health Suraksha?

Most Add-ons of 2025 are:

  • Critical illness benefit: The lump sum payment upon the diagnosis of particular diseases.
  • Maternity cover: Child birth expenses, infant treatments, and immunizations.
  • Outpatient cover (OPD): Doctor consultations, medicines, diagnostic tests.
  • Personal accident and accidental Death cover.
  • Global cover: Supra Indian care under Supreme version.

These riders allow you to customise your plan and form a genuinely personal safety net.

Is HDFC ERGO My Health Suraksha Worth Considering in Your Family?

What measures must be considered before a family purchases?

Think of how numerous your family, your health history, your likely medical events, your area and your ease with computerized claims.

Suitable to:

  • Couples in cities, young professionals, who plan children.
  • Repeated hospitalisation or day care requirement.
  • Old people who require frequent check-up and quick claim services.
  • Hot travellers who opt to add global cover benefits or NRIs.

Another question, people ask
Q: Do we have tax benefits by this plan?
A: Yes, premiums paid qualify for Section 80D deduction (up to Rs 75,000 per year for senior citizens in 2025).

Did you know?
Wellness plans and OPD riders are becoming increasingly popular in Indian metros as many young families switch to plans with such features.

What Will Be Some User Experiences and Reviews In 2024 2025?

What is the rating of the policyholders of HDFC ERGO My Health Suraksha?

  • Patients love extensive reach in the hospital network and fast approval of cashless claims.
  • Older adults emphasize convenience through mobile app and convenient e-consultations.
  • A few complaints raised by users involve difficulties in presenting hard copies of bills during payment of non network hospitals, but these are overcome by assistance.

According to ratings at major financial websites as of March 2025, Supreme variant has customer satisfaction ratings of 4.4 out of 5.

What do you need to remember when renewing the policy?

In 2025, is renewal and portability simple?

  • Renewability bylifetime feature means it could be renewed once a year without new health checks with many exceptions.
  • Where policy has been carried over with previous IRDAI registered insurer, no absence of accumulated benefits is possible when being transferred to My Health Suraksha.
  • The renewal news are issued through SMS, email alerts and applications notifications.
  • Make timely premium payment to avoid break, check on enhancements every renewal to get additional benefits.

Did you know?
Almost one-third (31 percent) of buyers shift to higher sum insured at renewal by quoting inflation and increased cost of treatment in 2025.

Is HDFC ERGO My Health Suraksha Worth in 2025?

What are some of the main takeaways when it comes to someone being interested in this product?

This health insurance plan has high marks on:

  • Network strength
  • Digital/Paperless claims
  • Sum insured and add-ons selection
  • Reward to living well

Its many features to provide strength against random costs and effortless services, high level coverage make it one of the most excellent candidates in the competitive Indian health insurance market among both families and professionals and the elderly.

In Short / Tl;dr / Recap

My Health Suraksha Insurance Plan the 2025 Edition of HDFC ERGO is a high cover flexible and contemporary health plan with digital claim processing, broad hospital networks and critical illness, maternity and global cover options. it is familyfriendly to those individuals or families, who are in need of medical expense protection. Newly evaluate your needs, compare the plans, and avail free health checkups annually. Among the outstanding benefits to policyholders are tax advantages, wellness rewards, and digital claim services.

People also Ask

Q: Will I be able to purchase HDFC ERGO My Health Suraksha without any medical tests in the year 2025?
A: Applicants under 45 year of age can purchase the policy without running pre policy medicals as long as the sum insured is not more than 10 lakh unless a medical declaration is made requiring a health check.

Q: Is the family floater option a lifetime cover to the children?
A: There is dependent child coverage up to age 25, whereupon they will have to move to an individual plan.

Q: When can I claim in my normal delivery or maternity with this plan?
A: Maternity cover occurs once 2 to 4 years within specific terms of a plan are served.

Q: Is it possible that the plan covers the dental treatment?
A: Dental cover is not standard but is added exceptionally as in OPD or wellness rider in the Supreme version.

Q: What can I do to raise my sum of insured upon renewal?
A: At policy renewal, you may ask to increase your sum insured by sending a request and further disclosures of health conditions.

Q: Does it have any sublimit on cataract, knee surgery?
A: Cataract has a maximum limit (usually 10 percent of sum insured or Rs 50,000 per eye), knee replacement may have sublimits based on plan variant.

Q: What documentation is required on claims?
A: For a cashless and reimbursement claim, hospital bills, reports, ID proof, policy details, and discharge summary will have to be submitted.

Q: Can NRIs located overseas avail this policy?
A: Yes, NRIs who come to India to work or to visit, can buy and internationally coverage can be added optionally during temporary expatriation.

Q: Can wellness rewards be transferred?
A: Earned rewards cannot be transferred but they would normally be redeemable by the policyholder against premiums or gifts.

Q: Will premium increase annually?
A: Premium review occurs once a year, with a basis on age band and medical inflation; these premium increases may differ depending on the plan.

Sources:
Know more HDFC ERGO My Health Suraksha and existing IRDAI Health Insurance Regulations.
Comparison of March 2025, insurer websites.

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Instant Policy Issuance
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I got my health insurance policy within minutes after payment. Everything was smooth and fully online. Very impressed!

Meena K 1 day ago
Great for Family Plans
★★★★★

I took a family floater plan through Fincover. Covered my whole family under one premium. Very useful.

Suresh N 3 days ago
Helpful Plan Comparison
★★★★

Comparing plans was quick and easy. The filters made it simple to choose what suited me best. Saved me time.

Harish R 3 days ago
Claim Filing Was Easy
★★★★★

I was nervous about filing a claim but Fincover’s guide helped a lot. Process was much easier than expected.

Megha S 4 days ago
Hospital Filter Needs Work
★★★

I had to go to the insurer’s site to check hospital network. The Fincover search wasn’t detailed enough.

Jyoti P 5 days ago
Claim Tracking Needs Work
★★★

The claim took longer than expected and tracking progress online wasn’t clear. The rest of the process was fine.

Sanjay D 1 week ago
Smooth and Fully Digital
★★★★★

Bought my policy in just a few clicks. No calls, no forms — loved how fast and digital everything was.

Naveen K 1 week ago
App Would Be Great
★★★

The site works well but a mobile app would make things easier. Hope it's coming soon.

Anil R 1 week ago
Claim Steps Confusing
★★

Claim process wasn't clearly explained. I had to call support multiple times to understand the next steps.

Sheetal V 10 days ago
Easy for Senior Plans
★★★★★

I used Fincover to buy a policy for my mother. It was easy to filter senior citizen plans. Helpful and clear.

Radha N 2 weeks ago
Saved Me Money
★★★★★

I compared multiple plans and found one with better coverage for less premium. Great platform for saving money.

Rajeev M 2 weeks ago
Confusing OPD Details
★★

I assumed OPD cover was included, but it wasn’t. Would be better if OPD benefits were clearly labeled.

Vinod P 2 weeks ago
Time-Saving Comparison
★★★★

I compared 5 policies in under 10 minutes. Really fast and helpful tool.

Tanvi D 2 weeks ago
Quick Renewal Process
★★★★★

Renewed my existing policy in less than 5 minutes. No issues at all — fully digital and simple.

Kiran B 3 weeks ago
Policy Docs Took Time
★★★★

The policy was issued quickly, but the documents arrived on email after 2 days. Expected them sooner.

Kanchana R 3 weeks ago
Pre-Existing Not Covered
★★★

Disappointed to see pre-existing conditions aren’t covered for the first 2 years. This should be more visible.

Lokesh N 3 weeks ago
Limited Insurer Choices
★★★

Couldn’t find all the insurers I was expecting. Hope they add more options soon.

Deepak J 1 month ago
Beginner-Friendly Interface
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I’m new to insurance, and Fincover made it easy to compare and understand each plan. Great for first-timers.

Reema S 1 month ago
Ideal for Salaried Buyers
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Fincover offers solid options for salaried people like me. The plans matched my work benefits and budget.

Imran H 1 month ago
Responsive Chat Support
★★★★★

The live chat helped me choose between two plans. All my questions were answered clearly and quickly.

Devika L 1 month ago
Smooth Payment Flow
★★★★★

Paying online was hassle-free. Got instant confirmation and no extra calls. Loved the simplicity.

Haritha M 1 month ago
Great Post-Purchase Support
★★★★★

The team called me after I bought the policy to ensure I got everything. They even explained the benefits again.

Yusuf Q 1 month ago
Quick Support Response
★★★★★

I had a premium-related query and the team responded within 10 minutes. Very helpful and polite support.

Zoya F 2 months ago
Policy Info Needs Simpler Terms
★★★★★

I found it hard to understand some terms like room rent limits and co-pay. It would help to simplify that.

Mohit T 2 months ago
Maternity Add-On Info Missing
★★★

I was looking for maternity coverage but the plans didn’t show add-on details clearly. Needs better labeling.

Shweta K 2 months ago
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Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.

Who is the Author?

Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.

How is the Content Written?

The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.

Why Should You Trust This Content?

This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.

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