HDFC ERGO Koti Suraksha Health Insurance Plan - PolicyX.com
HDFC ERGO Health Insurance HDFC ERGO Health Insurance ★ 4.4

HDFC ERGO Koti Suraksha Plan

A health insurance policy that offers healthcare coverage is categoriz ...Read More

Up to 2 Cr
Sum insured
1
No. of plans
200+
Pan India presence
95.30%
Claim settlement ratio
🛡️ IRDAI Approved
4.4/5 · 2,708 reviews
🏥 15,000+ hospitals
📊 2.00 solvency ratio
95.30% claim settlement

A health insurance policy that offers healthcare coverage is categorized into two sections, A and B, where you can add on critical illness coverage with Hospital Cash for up to INR 1 Crore.

Why Do We Recommend This?
  • Avail COVID-19 cover
  • Surgery and critical illness coverage are available
  • Avail non-medical expenses cover

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
Minimum: 18 years Maximum: 65 years
Plan type
Individual and Family Health Insurance
Sum insured options
₹50 L, ₹1 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1/2/3 Years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Air ambulance
  • OPD cover
  • Domiciliary hospitalization
  • Emergency global coverage

Cons

  • Vaccination not covered
  • Modern treatment unavailable
  • Maternity and newborn baby care unavailable

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Not covered
  • Road ambulance Covered
  • Air ambulance Covered
  • E-consultation Not covered
  • Health check-up Covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Covered
  • Compassionate travel Not covered
  • Global coverage Not covered

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

HDFC Ergo Health Insurance Plan Detailed Review

HDFC Ergo Health Insurance Plan Detailed Review

This review video of the HDFC ERGO health insurance plan discusses various options & variants this plan offers in India.

HDFC ERGO Health Insurance Network Hospital List

HDFC ERGO Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, HDFC ERGO Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Know More About Network Hospitals →

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry age: 18 to 65 years
  • Sum insured: 50 Lakhs & 1 Crore
  • Waiting period: 30 days
  • Policy term: 1/2/3 years

Frequently Asked Questions

The 5 most-asked questions about HDFC ERGO Koti Suraksha Plan, answered.

Hdfc Ergo Koti Suraksha plan age eligibility criteria is 91 days to 25 years for dependent children and 18 years to 65 years.
The value-added services offered by hdfc ergo koti suraksha are Health Coach: It provides a health coaching facility to help insurance holders with disease management, nutrition, activity and fitness, weight management, and psychological counselling. Wellness Services: Insurance holders are provided with discounts on OPD expenses, diagnostics, and pharmacy, along with a monthly newsletter, diet-related consultations, and health tips. These value-added services can be availed via the Hdfc Ergo mobile app.
Hdfc Ergo Koti Suraksha is a 1 crore plan that offers multiple benefits to insurance holders: In case you are the sole breadwinner of the family you must invest in a 1 crore health plan as you are responsible for the health and wellness of your family. If there are any liabilities on you it is possible that you might need a higher sum insured and a 1 crore health plan, like hdfc ergo koti suraksha might be helpful. In case you select a low-coverage health plan, there is a big possibility that you will have to pay medical treatment bills out of your hard-earned savings. 1 Crore health insurance plan can take care of your medical expenses allowing your savings to be used for your liabilities
Hdfc ergo koti suraksha offers emergency worldwide coverage and overseas treatment as optional coverage under section A of the health insurance plan. Emergency worldwide coverage pays medical expenses on medically necessary hospitalization of an insured person outside India due to a life-threatening situation where such treatment cannot be postponed until the Insured has returned to India. Whereas, Overseas treatment pays for medical expenses incurred outside India for the treatment of Major Illnesses like Cancer, Kidney failure, Major organ/bone marrow transplants, and more.
No, maternity cover or newborn baby cover is not available under hdfc ergo koti Suraksha.

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