Can I buy a new my:health Suraksha Silver 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 Silver cover 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 restore the full sum insured after every claim?

No. Sum Insured Rebound is optional under the older Silver variant and is subject to limits and conditions. Check the policy schedule and wording to understand when it applies and how much can be used.

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

The older Silver variant prospectus lists a 4-year waiting period for pre-existing conditions. Confirm the applicable policy wording, policy start date and any selected waiting-period modification before relying on this period.

Does being admitted to a network hospital guarantee cashless treatment?

No. Cashless treatment depends on current network status, treatment eligibility, policy terms and insurer authorisation. Confirm the hospital’s status and cashless eligibility before planned admission.

Will I have to pay part of a claim under Silver?

An optional co-payment may apply if selected in the policy schedule. The older prospectus lists choices of 10%, 15%, 20% and 25%; check your own schedule to confirm the applicable percentage.

Does Silver include maternity and routine OPD expenses?

Do not assume either benefit is included as standard. The older prospectus lists OPD as a separate benefit category and Parent Care options separately; check the exact policy schedule for any selected cover and its limits.

OneAssure

Health Insurance

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.

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 Silver

Final Verdict

my:health Suraksha Silver offers a range of hospitalisation-related benefits, including room rent and ICU charges at actuals under the older prospectus, pre- and post-hospitalisation cover, daycare treatment, AYUSH treatment and a cumulative bonus. Optional benefits may provide additional coverage when selected and when their conditions are met.The plan has been discontinued for new sales. Confirm the exact UIN, co-payment, PED waiting period, selected optional benefits and applicable limits against the policy schedule before using this information to assess an existing policy.

About

What Is myHealth Suraksha Silver?

myHealth Suraksha Silver is a health insurance plan from HDFC ERGO that provides coverage for hospitalization expenses, daycare procedures, domiciliary hospitalization, home healthcare, organ donor expenses, ambulance services, and AYUSH treatment. The plan also covers mental healthcare treatment and includes wellness-focused benefits such as fitness-linked renewal discounts, preventive health check-ups, and cumulative bonus benefits. Policyholders can further enhance coverage through optional benefits such as air ambulance, hospital cash, recovery benefit, global health cover, and waiting period modification.

Silver Ratings

Silver

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 Silver Inclusions

Room Rent

Normal: 1% of Sum Insured per day, subject to a maximum of ₹5,000 per day (if Room Rent Restriction Option is selected)
ICU: 2% of Sum Insured per day, subject to a maximum of ₹10,000 per day (if Room Rent Restriction Option is selected)

Advanced Treatments

All Advance Treatment are Covered

Co-payment

Optional Co-payment available

Cashless Healthcare Providers

Available through network hospitals

Daycare Treatment

Covered

AYUSH Treatment

Covered

Maternity Cover

Exact Silver-specific coverage for modern treatments not verified.

ICU Charges

At actuals, subject to policy terms.

Cumulative Bonus

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

Consumable Cover

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

Initial Waiting Period

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

Specific Waiting Period

24 months for listed illnesses and procedures.

PED Waiting Period

4 years under the older Silver variant terms.

Annual Health Checkup

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

Post-Hospitalisation

180 days for eligible expenses.

Outpatient Department Cover (OPD Expense)

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

Deductible Option

Not verified for the exact Silver variant.

Coverage Options

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

Maternity Cover

Not established as a standard maternity benefit. The older prospectus lists Parent Care options separately; verify the schedule before representing maternity expenses as covered.

Pre-Hospitalisation

60 days for eligible expenses.

Claim Settlement Ratio

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.

Disease-wise sublimits

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

Restoration Benefit

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

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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.