Can I purchase a new my:health Suraksha Platinum policy?

HDFC ERGO states that my:health Suraksha has been discontinued for new sales. Existing policyholders should contact the insurer to confirm the renewal terms applicable to their policy.

Does Platinum cover medical expenses before and after hospitalisation?

The older prospectus lists 60 days of pre-hospitalisation and 180 days of post-hospitalisation cover. Expenses must meet the policy’s eligibility conditions and relate to an admissible hospitalisation claim.

Does Sum Insured Rebound automatically double the cover for every hospitalisation?

No. Sum Insured Rebound is listed as an optional cover and is subject to its specific conditions and limits. It should not be treated as unlimited restoration or an automatic doubling of the sum insured.

What waiting period applies to pre-existing diseases under Platinum?

The older Platinum variant prospectus lists a 3-year pre-existing disease waiting period. Confirm the policy start date, applicable wording and any selected waiting-period modification before relying on this period.

Can I assume a hospital will offer cashless treatment because it is in HDFC ERGO’s network?

No. Network status, treatment eligibility, policy conditions and insurer authorisation all matter. Check the hospital’s current status and cashless eligibility before planned admission.

Will I have to pay part of an admissible claim even if I have a high sum insured?

A co-payment may apply depending on the option selected in your policy schedule. The older prospectus lists optional co-payment choices, so check your own policy to identify the applicable percentage.

Is the Platinum cumulative bonus retained in full after a claim?

The older prospectus lists a cumulative bonus of 5% of the sum insured for each claim-free year, up to 50%. Whether a claim affects the bonus depends on the applicable policy terms.

OneAssure

Health Insurance

HDFC ERGO

myHealth Suraksha Platinum

Hospitalisation cover with flexible optional benefits

98%

Claim Settlement Ratio

16,000+

Network Hospitals

7.25/10

Plan Rating

Policy Brochure

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Our Verdict

Expert Review: HDFC ERGO myHealth Suraksha Platinum

Final Verdict

my:health Suraksha Platinum offers a range of hospitalisation-related benefits, including room rent and ICU expenses at actuals under the older prospectus, pre- and post-hospitalisation coverage, daycare treatment and a cumulative bonus. The optional Sum Insured Rebound benefit may provide additional protection when selected and when its conditions are met.The plan has been discontinued for new sales, and historical versions of my:health Suraksha have different variant structures. Confirm the exact UIN, selected covers, co-payment, waiting periods and applicable limits before using this entry to assess an existing policy.

About

What Is myHealth Suraksha Platinum?

my:Health Suraksha Platinum is a comprehensive health insurance plan designed to provide broad hospitalization protection along with extensive customization options. The policy covers hospitalization, home healthcare, domiciliary treatment, daycare procedures, AYUSH treatment, organ donor expenses, and mental healthcare. It also offers wellness programs, fitness-linked renewal discounts, and several optional covers including Global Health Cover, Air Ambulance, Recovery Benefit, Parent & Child Care Cover, and Major Illness protection. The plan is suitable for individuals and families seeking flexible health insurance that can be tailored to evolving healthcare needs.

Platinum Ratings

Platinum

Insurer Rating

9.07

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

HDFC ERGO myHealth Suraksha Platinum Inclusions

Room Rent

Normal: Room Rent, Boarding & Nursing Charges Covered
ICU: Intensive Care Unit Charges Covered

Advanced Treatments

Home Healthcare
Domiciliary Hospitalization
Organ Donor Expenses
Air Ambulance (Optional)
Global Health Cover (Optional)
Major Illness Hospitalization Cover (Optional)
Mental Health Treatment

Co-payment

No mandatory co-payment mentioned

Cashless Healthcare Providers

Cashless treatment available through network healthcare providers

Daycare Treatment

Covered

AYUSH Treatment

Covered

Modern Treatment

Not verified for the exact older Platinum variant.

ICU Charges

At actuals, subject to policy terms.

Cumulative Bonus

5% of sum insured for each claim-free year, up to 50% of sum insured.

Consumable Cover

Medicines, drugs and consumables are included in listed medical expenses; non-medical expense coverage requires verification.

Initial Waiting Period

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

Specific Waiting Period

24 months for specified illnesses and treatments.

PED Waiting Period

3 years under the older Platinum variant terms.

Annual Health Checkup

Preventive health check-up listed as a renewal benefit, subject to applicable terms.

Post-Hospitalisation

180 days for eligible expenses.

Outpatient Department Cover (OPD Expense)

₹2,500 listed in the older variant schedule; confirm the applicable cover and policy schedule.

Deductible Option

Not verified for the exact Platinum variant.

Coverage Options

Individual and Family Floater, subject to availability under the applicable policy version.

Maternity Cover

Not covered under the older Platinum variant schedule.

Pre-Hospitalisation

60 days for eligible expenses.

Claim Settlement Ratio

98.85% of claims paid within 3 months in FY 2024–25; this is a claims-paid-within-three-months metric, not a product-specific ratio.

Disease-wise sublimits

No complete variant-specific confirmation available; verify the applicable policy wording.

Restoration Benefit

Sum Insured Rebound is listed as optional; it is not an unlimited restoration benefit.

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About the company

About HDFC ERGO

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 India.

FAQs

Frequently Asked Questions

Got questions about health insurance? You're not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.