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

Pre-existing diseases are covered after 48 months of continuous coverage. An optional waiting period modification feature can reduce this waiting period to 24 months.

What makes my:Health Suraksha Platinum different from standard health insurance plans?

The plan offers extensive customization through optional covers such as Global Health Cover, Air Ambulance, Recovery Benefit, Parent & Child Care Cover, and wellness-linked renewal benefits.

Does my:Health Suraksha Platinum offer cashless hospitalization?

Yes. Cashless treatment is available through the insurer's network healthcare providers. Home Healthcare treatment can also be availed through cashless facilities where applicable.

Are wellness benefits available under this plan?

Yes. The policy includes Fitness Discount at Renewal, Health Incentives, Health Coaching services, wellness programs, and health management support through the HDFC ERGO mobile application.

OneAssure

Health Insurance

HDFC ERGO

myHealth Suraksha Platinum

Experience India's most trusted health insurance with HDFC ERGO Health Insurance. Get instant cashless treatment at 16000 network hospitals with sum insured up to ₹50 lakhs.

98%

Claim Settlement Ratio

16000+

Network Hospitals

0

Customer Rating

Policy Brochure

Get a Quote

98%

Claim Settlement Ratio

16000+

Network Hospitals

0

Customer Rating

Policy Brochure

Our Verdict

Expert Review: HDFC ERGO myHealth Suraksha Platinum

Final Verdict

my:Health Suraksha Platinum combines comprehensive hospitalization coverage with wellness rewards, global healthcare options, and a wide range of customizable benefits. It is suitable for buyers seeking flexibility and long-term protection.

About

About HDFC ERGO 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.

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...

Platinum Ratings

Ratings: HDFC ERGO 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 and Exclusions

Inclusions and Exclusions of HDFC ERGO myHealth Suraksha Platinum

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

Waiting Period

Initial Waiting Period: 30 Days
Pre-existing Disease Waiting Period: 48 Months
Specific Disease/Procedure Waiting Period: 24 Months

Daycare Treatment

Covered

AYUSH Treatment

Covered

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

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,...