What is the waiting period for pre-existing diseases under my:Health Suraksha Gold Smart?

Pre-existing diseases are covered after 36 months of continuous coverage. Specific illnesses and procedures have a waiting period of 24 months, while the initial waiting period is 30 days.

What is Sum Insured Rebound in my:Health Suraksha Gold Smart?

Sum Insured Rebound adds an amount equal to the admissible claim amount, up to the basic sum insured, for subsequent hospitalizations during the same policy year. It can be used for both same and different illnesses.

Does the plan provide Air Ambulance Cover?

Yes. Gold Smart includes Air Ambulance Cover up to ₹2 lakh for emergency transportation by airplane or helicopter to the nearest hospital.

What wellness benefits are included in this plan?

The plan offers fitness discounts at renewal, health incentives for maintaining good health parameters, wellness services, health coaching, stress management support, and preventive health check-ups.

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Health Insurance

HDFC ERGO

myHealth Suraksha Gold

Experience India's most trusted health insurance with HDFC ERGO Health Insurance. Get instant cashless treatment at 15000 network hospitals with sum insured up to ₹50 lakhs.

95

Claim Settlement Ratio

15000

Network Hospitals

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Customer Rating

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95

Claim Settlement Ratio

15000

Network Hospitals

0

Customer Rating

Our Verdict

Expert Review: HDFC ERGO Health Insurance

Final Verdict

my:Health Suraksha Gold Smart combines comprehensive hospitalization coverage with Air Ambulance Cover, wellness rewards, and Sum Insured Rebound benefits, making it suitable for families seeking broad health protection.

About

About HDFC ERGO Health Insurance

my:Health Suraksha Gold Smart is a comprehensive health insurance plan offering hospitalization coverage with room rent and ICU charges covered at actuals. The policy includes home healthcare, domiciliary hospitalization, organ donor expenses, mental healthcare, AYUSH treatment, and all daycare procedures. Gold Smart also provides Air Ambulance Cover up to ₹2 lakh, Recovery Benefit of ₹15,000, and Sum Insured Rebound that restores the admissible claim amount for subsequent hospitalizations. Additional wellness benefits such as fitness discounts, health incentives, and preventive health check-ups help support long-term health management.

my:Health Suraksha Gold Smart is a comprehensive health insurance plan offering hospitalization coverage with room rent and ICU charges covered at actuals. The policy includes home healthcare, domiciliary hospitalization, organ donor expenses, mental healthcare, AYUSH treatment, and all daycare procedures. Gold Smart also provides Air Ambulance Cover up to ₹2 lakh, Recovery Benefit of ₹15,000, and Sum Insured Rebound that restores the admissible claim amount for subsequent hospitalizations. Additional wellness benefits such as fitness discounts,...

Inclusions and Exclusions

Inclusions and Exclusions of HDFC ERGO Insurance Company Limited

Room Rent

Paid in full

Advanced Treatments

Home Healthcare
Domiciliary Hospitalization
Organ Donor Expenses
Mental Healthcare
Air Ambulance Cover
AYUSH Treatment

Co-payment

No mandatory co-payment under Tier 1 premium option

Waiting Period

Initial Waiting Period: 30 Days
Pre-existing Disease Waiting Period: 36 Months
Specific Disease/Procedure Waiting Period: 24 Months

Cashless Healthcare Providers

Cashless treatment available through network healthcare providers

Daycare Treatment

Covered

AYUSH Treatment

Covered

Room Rent

Paid in full

Advanced Treatments

Home Healthcare
Domiciliary Hospitalization
Organ Donor Expenses
Mental Healthcare
Air Ambulance Cover
AYUSH Treatment

Co-payment

No mandatory co-payment under Tier 1 premium option

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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, it combines local understanding with international standards. The company focuses on customer satisfaction and aims to provide affordable protection for families, individuals, and businesses across...

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,...