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my:health Koti Suraksha is HDFC ERGO's high sum insured health plan, built to offer a cover of up to ₹1 crore at a lower premium than a typical high-cover plan. It has two sections: Section A is health cover for hospitalisation, and Section B adds accident cover. The health section pays for in-patient treatment, day-care procedures, domiciliary (home) hospitalisation and organ donor expenses, with pre-hospitalisation cover of 60 days and post-hospitalisation cover of 180 days. Every continuous renewal adds a cumulative bonus of 10% of the basic sum insured irrespective of claims, up to 100%. You can then tailor the plan with optional covers such as waiver of room rent capping, waiver of disease capping, waiver of co-payment, sum insured rebound and medical evacuation.
A dedicated ₹1 crore health plan — choose between ₹50L and ₹1Cr sum insured, with a 10% cumulative bonus on every claim-free renewal (up to 100%).
Koti Suraksha is aimed at buyers who want a very large sum insured on a budget. The ₹1 crore cover and the 10% yearly bonus make it a strong choice for long-term cover against expensive treatments, and the bundled accident section is a useful extra for a single policy. The thing to understand before buying is that the base plan is not a no-limits plan. Room rent capping, disease capping and co-payment can apply by default, and HDFC ERGO sells waivers for each as optional covers. Sum insured rebound, which refills your cover after a claim, is also an optional cover rather than a built-in benefit. If you value those features, price the plan with the options added rather than comparing the base premium alone. Standard waiting periods apply: 30 days for illness, 24 months for listed conditions and 36 months for pre-existing diseases. Maternity and infertility are not covered.
HDFC ERGO Health Insurance
Key Insights
Founded
2002
HDFC ERGO Health Insurance was established 24 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
97.9% CSR, calculated as a 3-year average
HDFC ERGO Health Insurance settles 97.9% of all claims it receives, demonstrating strong credibility.
Network Hospitals
12,000–14,000
HDFC ERGO Health Insurance has a network of 12,000–14,000 hospitals, ensuring wide accessibility and convenience for policyholders.
A large health cover for expensive treatments such as major surgeries and critical illness hospitalisation, at a premium lower than many plans with a similar cover.
Health section sum insured options are ₹50 lakh and ₹1 crore.
On each continuous renewal, 10% of the basic sum insured is added irrespective of any claim, up to a maximum of 100% of the basic sum insured. HDFC ERGO also calls this the Health Incentive.
Not applicable if you opt for an aggregate deductible under Section A. The bonus is reduced in the year a claim is made.
The policy has a second section for accidents, covering events such as accidental death, permanent disablement, fractures and temporary total disablement.
Payout percentages are set out in the policy wording.
Medical expenses incurred up to 60 days before admission and up to 180 days after discharge are covered for the same condition.
Treatments that need less than 24 hours in hospital because of medical advancement are covered.
Recharges your sum insured after you use it, so it is available for the next hospitalisation for a new illness or injury.
A single claim in a policy year cannot exceed the basic sum insured plus the cumulative bonus earned.
Removes the room rent limit so you can choose a higher room category without a proportionate deduction from the bill.
Conditions or treatments that the policy clearly says it will not cover.
A 24-month waiting period applies to the conditions and surgeries below, unless the claim arises from an accident. The list follows the standard IRDAI list used in HDFC ERGO policy wordings.
Insurer
HDFC ERGO Health Insurance plans and claim process
The plan offers a health cover of up to ₹1 crore. The health section is available with sum insured options of ₹50 lakh and ₹1 crore.
On each continuous renewal, 10% of the basic sum insured is added irrespective of claims, up to a maximum of 100% of the basic sum insured. The benefit does not apply if you opt for an aggregate deductible under Section A.
Not by default. Sum Insured Rebound is an optional cover you can add. A single claim in a policy year cannot exceed the basic sum insured plus the cumulative bonus earned.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official HDFC ERGO Health Insurance website before purchasing.
Contact Details
1800-2700-700
Headquarters: 6th Floor, Leela Business Park, Andheri-Kurla Road, Andheri (East), Mumbai – 400 059, Maharashtra, India
The aforementioned ratios have been averaged over three years (FY24-FY26)
Removes the disease-wise limits that otherwise apply to certain treatments.
Removes the co-payment so HDFC ERGO pays the full admissible claim.
Increases the yearly cumulative bonus percentage as set out in your policy schedule.
Once opted for, it cannot be removed at a later renewal.
Lets you modify the waiting period for listed conditions.
Covers emergency medical evacuation as described in the policy wording.
A lump-sum cover on diagnosis of a defined critical illness, separate from hospitalisation cover.
HDFC ERGO's Koti Suraksha brochure lists sum insured options from ₹1 lakh to ₹5 crore.
A 30-day initial waiting period (accidents are covered from day one), 24 months for specified illnesses and surgeries, and 36 months for pre-existing diseases. Waiting periods reduce for continuous renewals and for credit carried over when you port.
These limits can apply in the base plan. HDFC ERGO offers Waiver of Room Rent Capping, Waiver of Disease Capping and Waiver of Co-Payment as optional covers. Check your policy schedule for the exact limits.
No. Childbirth, caesarean section and miscarriage (unless caused by an accident) are not covered, and neither is infertility treatment.
Adults can join from 18 up to 65 years of age and dependent children from 91 days up to 25 years. The policy is lifelong renewable.