Last updated on: July 22, 2025
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.
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.
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.
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.
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:
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.
Its policy coverage is inclusive and addresses numerous medical necessities in the real world. Main inclusions:
Optional add-ons:
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.
Regardless of the wide coverage, there are common exclusions, among which are:
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.
Pros:
Cons:
Comparison Table: HDFC ERGO My Health Suraksha versus ICICI Lombard Health Shield and Max Bupa ReAssure (Family Floater)
Premium | HDFC ERGO My Health Suraksha | ICICI Lombard Health Shield | Max Bupa ReAssure |
---|---|---|---|
Coverage Limit (Rs) | 3 lakh to 75 lakh | 5 lakh to 50 lakh | 5 lakh to 1 crore |
Room Rent Limit | None (except Silver) | Private single | Private single |
Restoration Benefit | Up to 100 per cent unlimited | Once in policy year | Unlimited |
No Claim Bonus | 10 percent per annum 100% | 20 per cent per annum 100% | 50 per cent to 100% |
Maternity Cover | Waiting as add-on | 2 years after as add-on | 2 years after as add-on |
Network Hospitals | More than 13 000 | More than 7 500 | More than 9 000 |
Preventive Checkup | Once every 1 year | After 2 claim wise years | Once every 1 year |
Outpatient Consultation | Standard in select plans | As add-on | Standard 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.
The process of purchasing the policy is very easy and simplified as of 2025:
Online:
Offline:
Note: 15 days free-look period to review after purchase.
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.
Most Add-ons of 2025 are:
These riders allow you to customise your plan and form a genuinely personal safety net.
Think of how numerous your family, your health history, your likely medical events, your area and your ease with computerized claims.
Suitable to:
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.
According to ratings at major financial websites as of March 2025, Supreme variant has customer satisfaction ratings of 4.4 out of 5.
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.
This health insurance plan has high marks on:
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.
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.
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.
How could we improve this article?
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
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.
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.
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.