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HDFC ERGO Koti Suraksha is a health insurance plan that provides a sum insured of up to INR 1 crore. Koti Suraksha Plan by the HDFC ERGO Insurance Company is divided into two sections wherein section A is a health cover with an add-on critical illness cover and a separate health cover which is a floater option with Hospital Cash Benefit. Koti Suraksha is a policy that gives you a cover of Rs. 1 crore at affordable premiums. Investing in one crore insurance is imperative to beat the ever-rising medical inflation and protect yourself and your family. HDFC ERGO Koti Suraksha covers medical expenses such as COVID-19, hospitalization expenses, surgery expenses, daycare procedures, AYUSH treatment, and more.
HDFC ERGO Koti Suraksha is not just a simple healthcare plan but also a wellness partner, providing value-added services like access to nutrition, fitness, and psychological counseling via a health coach and discounts on OPD, pharmacy bills, and diagnostic centers. HDFC ERGO Koti Suraksha is divided into platinum and titanium options offering different coverage options. HDFC ERGO Koti Suraksha provides optional covers like overseas treatment and emergency worldwide coverage to support insurance holders in the face of adversity.
| PLAN DETAILS |
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Koti Suraksha Plan |
Zuno Saral Suraksha Bima Health Insurance |
| Product Type | Individual and Family Health Insurance | Accident Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Covered | Not covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Not covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Not covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Not covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Not covered |
| Hospital_network (Number of Hospital Network in city) |
15000 | 10000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Not covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Not covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Not covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Not covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Covered | Not applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | Not applicable |
| Plan Entry Age | Minimum: 18 years Maximum: 65 years | 18 years to 70 years |
| Plan Premium Entry Age and S/A | 11285 | 1,600 |
| Plan Waiting Period | 30 | 00 |
| Plan Coverage | Individual/Family Floater | Accidental death cover, total disability cover, partial disability cover, hospitalization add on |
| Plan Sample Premium | 11285 | 1,600 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1/2/3 Years | 1 year |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Not covered |
| Cataract | Covered | Not covered |
| Automatic Restoration | Covered | Not covered |
| Ayush Treatment | Covered | Not covered |
| Modern Treatment | Not Covered | Not covered |
| E Consultation | Not Covered | Not covered |
| Air Ambulance | Covered | Not Covered |
| Global Coverage | Not Covered | Covered |
| Claim Ratio | 95.30 | 98.54 |
| Solvency Ratio | 2.00 | 1.97 |
|
HDFC Ergo Health Insurance Plan Detailed Review |
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