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Insurance Plans Comparison

HDFC ERGO myHealth Suraksha Gold vs Digit Arogya Sanjeevani

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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HDFC ERGO

myHealth Suraksha Gold

Health insurance with hospitalisation cover and restoration benefits

What Makes It Special:

my:health Suraksha Gold is an older HDFC ERGO health insurance variant that provides hospitalisation-related benefits, including eligible pre- and post-hospitalisation expenses, daycare treatment, AYUSH treatment and Sum Insured Rebound, subject to the applicable policy wording and schedule.

Best For:

  • Existing policyholders reviewing the terms and benefits of an older my:health Suraksha Gold policy.

  • People who value a restoration-style benefit for a subsequent hospitalisation, subject to policy conditions.

  • Buyers who want pre- and post-hospitalisation expenses included in their health insurance cover.

  • Families considering an individual or family floater policy, subject to the applicable eligibility conditions.

  • Individuals looking for cover for eligible hospitalisation and related medical expenses.

VS
Digit

Arogya Sanjeevani

Cover hospitalisation with a 5% co-pay on every admissible claim, cap room rent at 2% of the sum insured up to ₹5,000 a day, and add a 5% cumulative bonus each claim-free year up to 50%.

What Makes It Special:

Arogya Sanjeevani is a Niva Bupa standard health plan with a sum insured of ₹1 lakh to ₹5 lakh, AYUSH and modern treatment cover, and a 15-day free-look period. It excludes maternity and carries a 5% co-payment on each claim. It provides in-patient hospitalisation cover on an individual or family...

Best For:

  • Buyers who want AYUSH and modern treatment cover

  • Buyers who do not need maternity or OPD cover

  • Families who want a floater with parents and children under one policy

  • Buyers who want basic in-patient cover at an affordable premium

  • First-time health insurance buyers

Insurance Plans Comparison

Get Personalized Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Quick Decision Guide

  • Confirm hospital network status, cashless eligibility and the applicable policy wording before planned treatment.

  • Verify the conditions for Sum Insured Rebound, including when it becomes available and how much can be used for a subsequent claim.

  • Review the 24-month specific-disease waiting period and applicable PED waiting period against your medical history.

  • Check the applicable co-payment and room-rent terms to understand how much of an admissible claim you may need to pay yourself.

  • Confirm the exact Gold variant and UIN on your policy schedule before relying on benefit limits or waiting periods.

  • Call 1860-500-8888 to confirm room rent limits and the current network before buying.

  • Confirm the waiting periods and any cataract sublimit on your policy schedule before buying.

  • The sum insured is capped at ₹5 lakh, so check whether it covers your expected treatment costs.

  • A 5% co-payment applies to each claim, so factor that into your out-of-pocket costs.

  • Maternity is excluded, so choose another plan if you need it.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

myHealth Suraksha Gold
myHealth Suraksha Gold

Health Insurance Plan

VS
Arogya Sanjeevani
Arogya Sanjeevani

Health Insurance Plan

Room Rent

myHealth Suraksha Gold

At actuals in the older prospectus; room-rent modification options may alter the applicable terms.

VS

Arogya Sanjeevani

  1. Normal:  Covered up to 2% of the sum insured, with a maximum limit of ₹5,000 per day.

     

  2. ICU: Covered up to 5% of the sum insured, with a maximum limit of ₹10,000 per day​.
ICU Charges

myHealth Suraksha Gold

At actuals under the older prospectus terms.

VS

Arogya Sanjeevani

Covered as part of in-patient hospitalisation, up to the sum insured. Confirm any room or ICU limit on the policy schedule, or with 1860-500-8888.

Advanced Treatments

myHealth Suraksha Gold

Information Unavailable

VS

Arogya Sanjeevani

  1. Uterine Artery Embolization and HIFU (High intensity focused ultrasound) 
  2. Balloon Sinuplasty
  3. Deep Brain stimulation 
  4. Oral chemotherapy 
  5. Immunotherapy - Monoclonal Antibody to be given as injection 
  6. Intra vitreal injections 
  7. Robotic surgeries 
  8. Stereotactic radio surgeries 
  9. Bronchical Thermoplasty
  10. Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
  11. IONM - (Intra Operative Neuro Monitoring) 
  12. Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered up to 50% of sum insured.
Co-payment

myHealth Suraksha Gold

Optional co-payment choices of 15% or 25% are shown for the relevant variant family; verify the selected Gold configuration.

VS

Arogya Sanjeevani

5% co-payment is applicable to all claims, meaning the policyholder must bear 5% of the admissible claim amount​.

Disease-wise sublimits

myHealth Suraksha Gold

No complete variant-specific confirmation available; check the applicable policy schedule and wording.

VS

Arogya Sanjeevani

A cataract sublimit may apply. The standard product in other insurers’ versions caps cataract at 25% of the sum insured or ₹40,000, whichever is lower. Confirm Niva Bupa’s sublimits on the policy schedule, or with 1860-500-8888.

Cashless Healthcare Providers

myHealth Suraksha Gold

12,000+ cashless network hospitals, as stated on HDFC ERGO’s insurer website; the network and cashless eligibility should be checked at the time of treatment.

VS

Arogya Sanjeevani

Access to over 16,400 cashless network hospitals across India. 

Restoration Benefit

myHealth Suraksha Gold

Sum Insured Rebound is listed. It is subject to claim-related conditions and is not an unlimited restoration benefit.

VS

Arogya Sanjeevani

Kindly refer to the policy wording.

Cumulative Bonus

myHealth Suraksha Gold

10% per claim-free year, up to 100% of basic sum insured in the older variant table; confirm the applicable Gold version.

VS

Arogya Sanjeevani

Kindly refer to the policy wording.

Daycare Treatment

myHealth Suraksha Gold

Covered, subject to the applicable policy wording and eligible procedures.

VS

Arogya Sanjeevani

Covers medical procedures requiring hospitalization for less than 24 hours, such as cataract surgery, chemotherapy, and dialysis, when conducted in a recognized hospital​.

Consumable Cover

myHealth Suraksha Gold

Medical consumables are referenced within hospitalisation expenses; specific non-medical expense coverage depends on applicable terms and optional cover.

VS

Arogya Sanjeevani

Kindly refer to the policy wording. Confirm with Niva Bupa on 1860-500-8888.

AYUSH Treatment

myHealth Suraksha Gold

Inpatient alternative treatments, including Ayurveda, Unani, Siddha and Homeopathy, subject to policy terms.

VS

Arogya Sanjeevani

Covers Ayurveda, Yoga, Unani, Siddha, and Homeopathy (AYUSH) inpatient treatments up to the sum insured, provided the treatment is taken at an AYUSH-recognized hospital​.

Initial Waiting Period

myHealth Suraksha Gold

30 days, subject to policy terms and accident-related exceptions.

VS

Arogya Sanjeevani

30 days from inception, except for accidents

Specific Waiting Period

myHealth Suraksha Gold

24 months for listed illnesses and procedures.

VS

Arogya Sanjeevani

Kindly refer to the policy wording.

PED Waiting Period

myHealth Suraksha Gold

48 months under the identified older Gold terms; modification may apply if selected and specified in the policy schedule.

VS

Arogya Sanjeevani

Up to 48 months under the IRDAI standard. Confirm on the policy schedule, or with 1860-500-8888.

Modern Treatment

myHealth Suraksha Gold

Not verified for the exact Gold version; refer to applicable policy wording.

VS

Arogya Sanjeevani

Covered up to 50% of the sum insured, including robotic surgery and oral chemotherapy (BankBazaar). Confirm the limit on the policy schedule.

Annual Health Checkup

myHealth Suraksha Gold

Preventive health check-up booster is listed as an optional cover; exact limit and eligibility require confirmation.

VS

Arogya Sanjeevani

Kindly refer to the policy wording. Confirm with Niva Bupa on 1860-500-8888.

Pre-Hospitalisation

myHealth Suraksha Gold

60 days under the older prospectus.

VS

Arogya Sanjeevani

Up to 30 days before admission under the IRDAI standard product. Confirm on the policy schedule, or with 1860-500-8888.

Post-Hospitalisation

myHealth Suraksha Gold

180 days under the older prospectus.

VS

Arogya Sanjeevani

Up to 60 days after discharge under the IRDAI standard product. Confirm on the policy schedule, or with 1860-500-8888.

Outpatient Department Cover (OPD Expense)

myHealth Suraksha Gold

Not covered as a standard benefit in the older variant table.

VS

Arogya Sanjeevani

Not covered (not listed in the standard product’s benefits)

Deductible Option

myHealth Suraksha Gold

Not verified for the exact Gold version.

VS

Arogya Sanjeevani

kindly refer to the policy wording.

Coverage Options

myHealth Suraksha Gold

Individual and Family Floater; sum-insured availability depends on the applicable version.

VS

Arogya Sanjeevani

Individual or family floater, within the ₹1 lakh to ₹5 lakh sum insured range

Claim Settlement Ratio

myHealth Suraksha Gold

98.85% — HDFC ERGO health claims, number-based settlement ratio for FY 2024–25, as reported from IRDAI data. This is insurer-level, not product-specific.

VS

Arogya Sanjeevani

Claim Settlement Ratio (CSR) of 93.3% as a three-year IRDAI weighted average, and 95.6% in recent quarterly company disclosures (Q1 FY 2026-27).

Maternity Cover

myHealth Suraksha Gold

Not covered as a standard benefit in the identified older Gold variant table. Do not assume optional maternity cover applies without verifying the exact policy schedule.

VS

Arogya Sanjeevani

Not covered. Maternity expenses are excluded.

Insurance Plans Comparison

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  • One policy covers the entire family

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  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

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Myhealth Suraksha Gold Vs Arogya Sanjeevani

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