BIG COVERAGE, SMALL PRICES 💰🏥
Hospitalisation at home under Home Healthcare 🏠 for medically-necessary treatment of illnesses, availed through cashless facility ✅ only.
Home Healthcare 🏠💉
1. Hospitalisation Expenses 🏥
Medically necessary hospitalisation of the insured due to illness or injury sustained or contracted during the policy period, including room rent 🛏️, ICU, consultation fees, nursing charges, medicines 💊, and diagnostic procedures 🩺.
Special Conditions ⚠️:
- Room Rent: Eligible up to Single Standard AC Room 🏨.
- Procedure Sub-limits: ₹75,000 💵 per procedure for listed illnesses like Cataract 👁️, Hernia, Hysterectomy, Benign Tumours, Stones in Urinary System, Fissures/Piles/Fistulas, Cellulites/Abscess.
- Mental Illness coverage applicable only in mental health establishments 🧠 as per the Mental Health Care Act, 2017 📜.
Domiciliary Hospitalisation 🏡
- Medical treatment at home 🏠 on physician's advice 👨⚕️.
- Pre & Post Hospitalisation: Expenses up to 60 days before ⏪ & 180 days after discharge ⏩.
- Day Care Procedures 🏥: Hospitalisation or day care treatment.
- Road Ambulance 🚑: Emergency services expenses.
- Organ Donor Expenses 🧬: If insured is the recipient.
- Alternative Treatments 🌿: Inpatient care in AYUSH hospitals (Ayurveda, Homeopathy, Unani, Siddha, Yoga & Naturopathy).
Wellness Services 💪
- Health coaching for disease management, fitness 🏃♂️, nutrition 🥗, and weight management ⚖️.
- Available via HDFC ERGO Mobile App 📱 (chat 💬 or callback 🔔 service).
- Fitness Discount 🏃♀️: Up to 10% ✅ at renewal by tracking steps or calories via wearable devices.
- Cumulative Bonus 🎁: 10% of basic sum insured each year on continuous renewals, up to 100%.
my:health ACTIVE 🩺
- Preventive Health Check-Up 🧪: Chest X-Ray, 2D Echo/Stress Test, PSA for males, PAP smear for females, CBC, Urine R, Fasting Blood Sugar, Lipid Profile, ECG.
- Fitness Incentive 🏃♂️: Minimum 50,000 steps/week 🚶♀️ or 900 calories burned 🔥 for up to 10% discount.
- Health Incentives 💚: 50% reduction in Medical Underwriting Loading at first inception if medical tests/BMI are normal.
Optional Covers ✨
- Non-Medical Expenses Cover 🏥: Up to 5% ✅ of admissible claim amount.
- Aggregate Deductible 💸: Insured bears deductible as opted.
- Emergency Worldwide Coverage 🌎: Hospitalisation outside India for life-threatening situations.
- Major Illnesses Coverage 🌟: Myocardial Infarction ❤️, Multiple Sclerosis 🧠, Major Organ/Bone Marrow Transplant 🧬, Kidney Failure 🩺, Cancer 🎗️, Stroke ⚡, Open Heart Surgery ❤️, Permanent Paralysis 🦾.
- Sum Insured Rebound 🔄: Adds an amount equivalent to basic sum insured on subsequent hospitalisations.
- Waiver of Co-Payment 🆓: Optional benefit.
- Waiver of Room Rent 🏨: Optional benefit.
- Waiting Period Modification ⏱️: Pre-existing conditions waiting period reduced to 24 months.
- Medical Evacuation 🚁: Air ambulance up to ₹5 Lacs 💵.
Premium & Discounts 💵
- Family Discount 👨👩👧👦: 10% ✅ if 2 or more family members covered.
- Online Policy Discount 🌐: 5% ✅ for policies purchased online.
- Employee Discount 🏢: 10% ✅ for HDFC/ERGO employees.
- Loyalty Discount ⭐: 5% ✅ for multiple products purchased.
- Long Term Policy Discount ⏳: 7.5% ✅ for 2-year & 10% ✅ for 3-year policies.
Coverage for Dependents 👨👩👧👦
- Self, Spouse, Dependent Children, Parents/Parents-in-law, Grand Parents, Siblings, Children-in-law.
- Floater Sum Insured option available.
- Dependent children covered until age 25 🎓 if financially dependent.
Add-On Covers ➕
- my:health Hospital Cash Benefit 💰: ₹500 – ₹10,000/day.
- my:health Critical Illness 🧬: Sum insured ₹1 Lakh – ₹5 Cr.
- my:health Daily Cash Benefit 💵: ₹500 – ₹10,000/day.
Exclusions & Conditions ❌
- 30-day waiting period for all illnesses (except accidents).
- Pre-existing diseases excluded for 36 months.
- Specified Disease/Procedure Waiting Period: 24 months.
- Permanent exclusions: Cosmetic/plastic surgery, unproven treatments, maternity (except specified), war/terror events.
- Co-payment applicable for lives with PED or age >60 years.
How to Reach for Claims 📞
Call: 022 6234 6234 / 0120 6234 6234
Visit: Self Help Section 🌐
Email: care@hdfcergo.com 📧
HDFC ERGO Mobile App 📱 on Play Store & iOS
Terms & Conditions Apply. my:health Koti Suraksha provides coverage for both Health and Personal Accident. HDFC ERGO General Insurance Company Limited. IRDAI Reg. No.146. For full details, please refer to the policy document carefully before concluding a sale. UIN: my:health Koti Suraksha - HDFHLIP21131V012021
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