What is the waiting period for pre-existing diseases under myHealth Koti Suraksha?

Pre-existing diseases are covered after 36 months of continuous coverage. Policyholders can opt for the Waiting Period Modification cover, which reduces the waiting period to 24 months.

Does myHealth Koti Suraksha provide ₹1 Crore coverage?

Yes. The plan is designed to provide a health insurance cover of ₹1 Crore while offering several optional enhancements such as room rent waiver and overseas treatment benefits.

Does the plan cover treatment at home?

Yes. The policy includes Home Healthcare and Domiciliary Hospitalization benefits for medically necessary treatment taken at home, subject to policy terms.

Does the policy offer any wellness rewards?

Yes. Policyholders can earn up to a 10% renewal fitness discount, access preventive health check-ups, health coaching services, and cumulative bonus benefits on continuous renewals.

OneAssure

Health Insurance

HDFC ERGO

myHealth Koti Suraksha

Experience India's most trusted health insurance with HDFC ERGO Health Insurance. Get instant cashless treatment at 13000 network hospitals with sum insured up to ₹50 lakhs.

95

Claim Settlement Ratio

13000

Network Hospitals

0

Customer Rating

Policy Brochure

Get a Quote

95

Claim Settlement Ratio

13000

Network Hospitals

0

Customer Rating

Policy Brochure

Our Verdict

Expert Review: HDFC ERGO Health Insurance

Final Verdict

myHealth Koti Suraksha offers ₹1 Crore health coverage with wellness benefits, home healthcare, and optional overseas treatment features, making it suitable for customers seeking high coverage at a lower premium.

About

About HDFC ERGO Health Insurance

myHealth Koti Suraksha is a high-sum-insured health insurance plan from HDFC ERGO designed to provide ₹1 Crore coverage while keeping premiums relatively affordable. The plan covers hospitalization expenses, home healthcare, domiciliary treatment, daycare procedures, mental illness treatment, organ donor expenses, ambulance services, and AYUSH hospitalization. It also includes wellness features such as preventive health check-ups, health coaching, fitness-based renewal discounts, and cumulative bonus benefits. Optional covers allow policyholders to enhance flexibility through room rent waiver, overseas treatment benefits, co-payment waiver, and waiting period modification.

myHealth Koti Suraksha is a high-sum-insured health insurance plan from HDFC ERGO designed to provide ₹1 Crore coverage while keeping premiums relatively affordable. The plan covers hospitalization expenses, home healthcare, domiciliary treatment, daycare procedures, mental illness treatment, organ donor expenses, ambulance services, and AYUSH hospitalization. It also includes wellness features such as preventive health check-ups, health coaching, fitness-based renewal discounts, and cumulative bonus benefits. Optional covers allow policyholders to enhance flexibility through room rent waiver,...

myHealth Koti Suraksha Ratings

myHealth Koti Suraksha

Insurer Rating

5.85

out of 10

Insurance Rating

7.25

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

Yes

Unlimited Restoration

Add on

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Inclusions and Exclusions of HDFC ERGO Insurance Company Limited

Room Rent

Normal: Single Standard AC Room
ICU: Covered as part of hospitalization expenses

Advanced Treatments

Advanced Technology Methods Covered

Co-payment

20% Co-payment

Cashless Healthcare Providers

Available through network hospitals

Waiting Period

Initial Waiting Period: 30 Days
Pre-existing Disease Waiting Period: 36 Months

Daycare Treatment

Covered

AYUSH Treatment

Covered

Room Rent

Normal: Single Standard AC Room
ICU: Covered as part of hospitalization expenses

Advanced Treatments

Advanced Technology Methods Covered

Co-payment

20% Co-payment

Exclusions

Not available

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About the company

HDFC Ltd., India’s top financial services company, and ERGO International, part of Munich Re Group of Germany. The company offers a wide range of insurance products, including health, motor, travel, home, and commercial insurance. In health insurance, HDFC ERGO is known for flexible plans, large coverage options, and easy claim processes. It has a wide hospital network across the country for cashless treatments. The company also provides modern services like wellness programs, online claim filing, and round-the-clock support. HDFC ERGO is trusted by millions of customers for its reliable service and transparent policies. With strong financial backing and global expertise,...

HDFC Ltd., India’s top financial services company, and ERGO International, part of Munich Re Group of Germany. The company offers a wide range of insurance products, including health, motor, travel, home, and commercial insurance. In health insurance, HDFC ERGO is known for flexible plans, large coverage options, and easy claim processes. It has a wide hospital network across the country for cashless treatments. The company also provides modern services like wellness programs, online claim filing,...