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Insurance Plans Comparison

HDFC ERGO myHealth Suraksha Silver vs Liberty Health Connect Elite

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 Silver

Cover hospitalisation, cashless home treatment and day care, with 60 days before admission and 180 days after discharge, plus a 5% bonus each claim-free year up to 50% of the sum insured.

What Makes It Special:

HDFC ERGO my:health Suraksha Silver is an older health insurance variant that covers eligible hospitalisation expenses, including room rent and ICU charges at actuals, and provides pre- and post-hospitalisation coverage, daycare treatment, AYUSH treatment and home healthcare, subject to the applicable policy terms.

Best For:

  • Customers checking whether optional benefits such as Sum Insured Rebound are included in their policy schedule.

  • Policyholders who want to understand how optional co-payment choices affect their share of admissible claims.

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

  • Individuals seeking cover for eligible inpatient hospitalisation expenses.

  • Existing policyholders reviewing the benefits and conditions of their my:health Suraksha Silver policy.

VS
Liberty

Health Connect Elite

Maximum Coverage at Minimum Premium

What Makes It Special:

Secure Health Connect is a comprehensive health insurance plan offering hospitalisation coverage, cumulative bonus benefits, reload of Sum Insured, cashless treatment and flexible plan options.

Best For:

  • Policyholders looking for lifelong renewal options.

  • Families wanting cashless treatment across network hospitals.

  • Customers looking for cumulative bonus benefits.

  • Individuals seeking flexible Sum Insured options.

  • Families looking for comprehensive health insurance coverage.

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

  • Verify network hospital status and any optional covers before planning treatment or relying on a particular benefit.

  • Confirm whether Sum Insured Rebound has been selected and understand the conditions governing its use.

  • Check the 4-year PED waiting period against your declared medical history and policy start date.

  • Review the selected co-payment percentage to understand your potential out-of-pocket share of admissible claims.

  • Check the UIN and policy schedule to confirm that your policy is Silver and not Silver Smart.

Liberty Health Connect Elite

  • Check the plan-specific room rent, co-payment and disease-wise sub-limits before buying.

  • Check the applicable waiting periods for pre-existing diseases and specified treatments.

  • Consider it if you want cumulative bonus benefits for claim-free years.

  • Consider it if you want a reload of Sum Insured from the first claim.

  • Consider the plan if you want flexible 1, 2 or 3-year policy terms.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

myHealth Suraksha Silver
myHealth Suraksha Silver

Health Insurance Plan

VS
Health Connect Elite
Health Connect Elite

Health Insurance Plan

Room Rent

myHealth Suraksha Silver

1% of Sum Insured per day, subject to a maximum of ₹5,000 per day (if Room Rent Restriction Option is selected)

2% of Sum Insured per day, subject to a maximum of ₹10,000 per day (if Room Rent Restriction Option is selected)

VS

Health Connect Elite

Subject to selected plan limits

Advanced Treatments

myHealth Suraksha Silver

All Advance Treatment are Covered

VS

Health Connect Elite

Information Unavailable

ICU Charges

myHealth Suraksha Silver

At actuals, subject to policy terms.

VS

Health Connect Elite

Covered as per selected plan

Co-payment

myHealth Suraksha Silver

Optional Co-payment available

VS

Health Connect Elite

Applicable as per selected plan

Disease-wise sublimits

myHealth Suraksha Silver

No complete Silver-specific confirmation available; check the applicable policy wording.

VS

Health Connect Elite

Applicable as per selected plan

Cashless Healthcare Providers

myHealth Suraksha Silver

Available through network hospitals

VS

Health Connect Elite

6,100+ network hospitals available

Restoration Benefit

myHealth Suraksha Silver

Sum Insured Rebound is an optional benefit under Silver; it is subject to conditions and is not unlimited restoration.

VS

Health Connect Elite

Reload available from first claim

Daycare Treatment

myHealth Suraksha Silver

Covered

VS

Health Connect Elite

405 daycare procedures covered

Cumulative Bonus

myHealth Suraksha Silver

5% per claim-free year, up to 50% of basic sum insured.

VS

Health Connect Elite

Up to 150% of Sum Insured

AYUSH Treatment

myHealth Suraksha Silver

Covered

VS

Health Connect Elite

Not specified in the brochure

Consumable Cover

myHealth Suraksha Silver

Medicines, drugs and consumables are included in listed medical expenses, subject to policy terms.

VS

Health Connect Elite

Not specified in the brochure

Initial Waiting Period

myHealth Suraksha Silver

30 days for illnesses; accident-related claims are generally exempt.

VS

Health Connect Elite

30 days from policy commencement

Specific Waiting Period

myHealth Suraksha Silver

24 months for listed illnesses and procedures.

VS

Health Connect Elite

2 years or 3 years

PED Waiting Period

myHealth Suraksha Silver

4 years under the older Silver variant terms.

VS

Health Connect Elite

3 years for pre-existing diseases

Modern Treatment

myHealth Suraksha Silver

Information Unavailable

VS

Health Connect Elite

Covered as per selected plan

Annual Health Checkup

myHealth Suraksha Silver

Available after 4 consecutive claim-free policy years under the older prospectus; eligibility and limits apply.

VS

Health Connect Elite

Available as per plan conditions

Pre-Hospitalisation

myHealth Suraksha Silver

60 days for eligible expenses.

VS

Health Connect Elite

Up to 30 to 45 days

Post-Hospitalisation

myHealth Suraksha Silver

180 days for eligible expenses.

VS

Health Connect Elite

Up to 45 to 60 days

Outpatient Department Cover (OPD Expense)

myHealth Suraksha Silver

Not covered as a standard OPD benefit; verify any separately selected optional cover.

VS

Health Connect Elite

Not covered under the policy

Deductible Option

myHealth Suraksha Silver

Not verified for the exact Silver variant.

VS

Health Connect Elite

Not specified in the brochure

Coverage Options

myHealth Suraksha Silver

Individual and Family Floater; sum-insured options depend on the applicable policy version.

VS

Health Connect Elite

₹2 Lakh to ₹15 Lakh

Claim Settlement Ratio

myHealth Suraksha Silver

97.45% for HDFC ERGO health claims in FY 2024–25, calculated using claims settled against claims available to settle. This is insurer-level, not product-specific.

VS

Health Connect Elite

Not specified in the brochure

Maternity Cover

myHealth Suraksha Silver

Exact Silver-specific coverage for modern treatments not verified.

VS

Health Connect Elite

Not covered except ectopic pregnancy

Insurance Plans Comparison

Still Confused? Get Expert Advice

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

Why Choose Our Expert Consultation?

End-to-End Support

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From choosing the right policy to managing claims, every step is handled for you

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Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

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

24/7 Claim Assistance

24/7 Claim Assistance

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

Expert-Led Policy Review

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

Smart, Tech-Enabled Experience

  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

Insurance Plans Comparison

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Senior Citizen Health Plan

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  • Tailored for seniors healthcare needs

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Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

Maternity Health Plan

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

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Myhealth Suraksha Silver Vs Health Connect Elite

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