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Insurance Plans Comparison

HDFC ERGO myHealth Suraksha Gold vs ICICI Lombard Health Elite Plus

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
ICICI Lombard

Health Elite Plus

Get a single private room and reset up to 100% of the sum insured once for the same illness and unlimited times for a different illness, with a 20% loyalty bonus up to 100% that stays after a claim.

What Makes It Special:

ICICI Lombard Health Elite Plus offers an unlimited reset benefit that can replenish up to 100% of the base sum insured when the available cover becomes insufficient after previous claims. It can be used unlimited times for different illnesses and once for the same illness, subject to policy conditions. The plan...

Best For:

  • Buyers who want the option to add specific benefits, such as worldwide hospitalisation cover or outpatient services, subject to eligibility and additional premium.

  • Customers seeking benefits such as donor expenses, domiciliary hospitalisation and air ambulance cover.

  • People who value a guaranteed cumulative bonus that can increase their available cover over time.

  • Buyers who want a reset benefit for eligible subsequent hospitalisation claims.

  • Individuals or families looking for a health insurance plan with multiple sum insured options.

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

HDFC ERGO myHealth Suraksha Gold

  • 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.

ICICI Lombard Health Elite Plus

  • If you need worldwide cover or other add-ons, confirm their availability, waiting periods, limits and additional premium before purchasing.

  • If you opt for voluntary co-payment or treatment outside your selected pricing zone, account for the applicable out-of-pocket share.

  • If you expect to use outpatient services, confirm whether the optional BeFit cover is selected and what its specific limits include.

  • If you have a pre-existing condition, check the 24-month waiting period and disclose your medical history accurately.

  • Choose a sum insured that fits your expected medical costs and check how room eligibility changes at the ₹20 lakh threshold.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

myHealth Suraksha Gold
myHealth Suraksha Gold

Health Insurance Plan

Brochure

Policy Wording

VS
Health Elite Plus
Health Elite Plus

Health Insurance Plan

Brochure

Policy Wording

Room Rent

myHealth Suraksha Gold

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

VS

Health Elite Plus

  1. Normal: Covered Up to Sum Insured
  2. ICU: Covered up to sum insured
ICU Charges

myHealth Suraksha Gold

At actuals under the older prospectus terms.

VS

Health Elite Plus

Not verified for the exact current variant configuration.

Advanced Treatments

myHealth Suraksha Gold

Information Unavailable

VS

Health Elite Plus

  1. Oral chemotherapy
  2. Robotic surgeries
  3. Stem cell therapy
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

Health Elite Plus

Insured can choose 10% or 20% co-payment, allowing cost-sharing for lower premium expenses.

Disease-wise sublimits

myHealth Suraksha Gold

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

VS

Health Elite Plus

Cataract treatment is limited to 10% of the sum insured, up to ₹1 lakh per eye, after the applicable two-year period. Other applicable limits and exclusions must be checked in the policy wording.

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

Health Elite Plus

10,000+ Cashless Healthcare Providers

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

Health Elite Plus

Reset of up to 100% of the base sum insured, unlimited times for different illnesses and once for the same illness. It does not trigger on the first claim and is subject to the policy conditions.

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

Health Elite Plus

Loyalty bonus is described in the available policy information; current applicable rate and maximum require verification.

Daycare Treatment

myHealth Suraksha Gold

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

VS

Health Elite Plus

Covers procedures requiring less than 24-hour hospitalization, like cataract surgery and chemotherapy.

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

Health Elite Plus

Not verified as a standard benefit for the exact current variant.

AYUSH Treatment

myHealth Suraksha Gold

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

VS

Health Elite Plus

Coverage for Ayurveda, Yoga, Unani, Siddha, and Homeopathy at government-recognized institutions.

Initial Waiting Period

myHealth Suraksha Gold

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

VS

Health Elite Plus

30 days for illnesses from the start of the policy; accidents are excluded from this waiting-period restriction.

Specific Waiting Period

myHealth Suraksha Gold

24 months for listed illnesses and procedures.

VS

Health Elite Plus

24 months for specified diseases and procedures listed in the policy.

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

Health Elite Plus

24 months for declared and accepted pre-existing diseases, subject to policy terms and applicable portability rules.

Modern Treatment

myHealth Suraksha Gold

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

VS

Health Elite Plus

Covered up to the annual sum insured, subject to policy terms and exclusions.

Annual Health Checkup

myHealth Suraksha Gold

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

VS

Health Elite Plus

Preventive health check-up available at designated centres, subject to policy conditions.

Pre-Hospitalisation

myHealth Suraksha Gold

60 days under the older prospectus.

VS

Health Elite Plus

60 days


Post-Hospitalisation

myHealth Suraksha Gold

180 days under the older prospectus.

VS

Health Elite Plus

180 days.

Outpatient Department Cover (OPD Expense)

myHealth Suraksha Gold

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

VS

Health Elite Plus

Not included as a general unlimited standard benefit. Optional BeFit provides specified outpatient consultations and related benefits on a cashless basis, according to the selected plan.

Deductible Option

myHealth Suraksha Gold

Not verified for the exact Gold version.

VS

Health Elite Plus

No deductible option.

Coverage Options

myHealth Suraksha Gold

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

VS

Health Elite Plus

Individual and family floater options, with sum insured options from ₹5 lakh to ₹3 crore.

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

Health Elite Plus

Information Unavailable

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

Health Elite Plus

Childbirth-related medical expenses are excluded, except ectopic pregnancy, as stated in the exclusions.

Insurance Plans Comparison

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Talk to experienced advisors at no cost, and make confident decisions

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Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

What Our Experts Help You With

Personalised Recommendations

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

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  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

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Insurance Plans Comparison

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Insurance Plans Comparison

Frequently Asked Questions (FAQs)

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