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The Many Benefits of 1 Crore Health Insurance - HDFC ERGO Koti Suraksha

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Published on July 28, 2021. EST READ TIME: 3 minutes

With medical science taking giant strides, it has become possible to find treatment for many ailments that were once tough to treat. However, the advent of sophisticated apparatus and improved medical procedures has caused the cost of healthcare to rise exponentially as well. In India especially, government hospitals struggle to cope with a huge number of patients and quality treatment at good private hospitals requires you to pay a handsome amount. Hence, people opt for health insurance policies to deal with hospitalization expenses. However, merely taking any policy isn’t enough, its coverage should also be adequate. HDFC ERGO’s 1 crore health insurance policy, called Koti Suraksha, ensures that you can afford the best healthcare services without stressing about rising bills. Let’s learn more about it.  

What is HDFC ERGO My:health Koti Suraksha- 1 Crore Health Insurance Policy?

As the name clearly suggests, it is a health insurance plan that offers up to Rs 1 crore sum insured. It also comes with many other benefits, including COVID-19 treatment. You can buy it by paying pocket-friendly premiums in easy instalments. The policy has been designed to cover several critical illnesses and major surgeries that may require extended hospitalization. You can opt for it even as a family floater plan. This policy will help you get the best possible treatment in your vicinity. Remember that in absence of a plan with wide coverage, medical bills can pile up and eat into your lifelong savings.

What is covered under HDFC ERGO My:health Koti Suraksha?

• Pre & Post Hospitalisation: If a policyholder gets hospitalised, the insurance will cover pre-hospitalisation expenses of 60 days before admission and post-discharge expenses up to 180 days. This includes the cost of consultations, diagnostic tests, medications, physiotherapy etc.
• Hospitalisation (Including COVID-19): If you get admitted to a hospital due to any ailment or accident, the policy will take care of all your hospitalisation expenses. You can focus on your recovery and not worry about financials. This policy also covers treatment for COVID-19.
• Unlimited Daycare Treatments: With my:healthKoti Suraksha, you don’t have to stay in the hospital for atleast 24 hours after a surgery for insurance coverage. Why? Because we also cover daycare procedures wherein you can get discharged within 24 hours of surgeries or treatments.
• Free Preventive Health Check-up: Renewing your my:health Koti Suraksha comes with a bonus. You will get a free health check-up done within 60 days of renewal.
• Organ Donor Costs: The surgical costs of harvesting a major organ into the policyholder’s body is covered by the policy.
• Home Healthcare: If you want to avail medical facilities from the comfort of your home without being hospitalised, this 1 crore health insurance policy covers home treatment expenses too. But your doctor should recommend such home treatments.
• Alternative Treatments: If you believe in an alternative line of therapy such as Ayurveda, Unani, Siddha, or Homeopathy, HDFC ERGO respects your belief and helps you by providing financial assistance for your hospitalisation.
• Road Ambulance: Getting medical help on time can be a big difference between life and death. Luckily, my:health Koti Suraksha covers the cost of ambulance transport but within the same city.
• Lifelong Renewability: Do you set reminders for policy renewal so that you don’t miss out on uninterrupted coverage? Well, with the 1 crore health insurance policy, there’s no hassle of renewals every year. HDFC ERGO will cover you for your entire lifetime on break free renewals.

Who should buy 1 crore health insurance?

You should buy 1 crore health insurance if:

• Your family has a history of critical illnesses: Treatment costs of critical illnesses such as cancer and heart ailments can be quite high. And if there’s a history of critical illness in your family, you must stay prepared to meet the hefty medical bills. Having a 1 crore health insurance plan will provide financial protection for all your future medical needs and keep your savings intact.
• You are the sole earning member: Being the sole bread winner in a family is a huge responsibility. You need to take care of finances, health, education and other needs of the family. In such circumstances, a medical emergency can drain your savings and leave you in a mess.  With medical expenses touching the roof, buying a one crore health insurance policy can be the wisest decision.
• You have financial commitments: At times, your standard health insurance policy may not suffice your medical contingencies, especially when you have other financial commitments like EMIs for your home, car, education, etc. Having 1 crore health insurance will not only act as a financial shield but ensure your finances are not impacted.
• You have a sedentary lifestyle: Lifestyle diseases are on the rise because many people these days lead a sedentary lifestyle and lack a healthy regime. If you are among those who ignore their health due to a stressful work life, lifestyle diseases and other ailments might come knocking on your door suddenly. In such a situation, would you like to invest your hard-earned money in hospital bills? No, right? Then how do you manage your finances? Buy a 1 crore health insurance policyand invest your savings in fulfilling your life goals instead of hospital expenses.

Conclusion

Having health insuranceis undoubtedly wise, but sometimes, the policy may not come to your rescue to tackle the mounting medical bills. So, secure yourself as much as you can with My:health Koti Suraksha and stay prepared for all eventualities!

Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.

Related Articles

• Why you need a 1 crore health insurance?
• What points should I consider when choosing 1 Crore health insurance?
• The value of the 1 crore health insurance cover during Covid-19

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