To beat ever-increasing medical inflation and offer quality healthcare, here's my:health Koti Suraksha - a health insurance plan that offers a sum insured of up to ₹1 crore. This significant health cover insures you against various medical expenses like hospitalisation costs, critical illness treatments, costs for major surgeries, daycare procedures, and so much more. With my:health Koti Suraksha policy backing you up, stay rest assured that while you take care of your health, we’ll take care of your high healthcare costs. Thus, preparing you to tackle a medical emergency without impacting your life-long savings.
1 cr health insurance is designed keeping in mind the growing medical needs and rising inflation.
Just like every other health insurance plan, we cover your hospitalization expenses due to illnesses and injuries seamlessly. my:health Koti Suraksha also covers treatment for COVID-19.
It means all your pre-hospitalization expenses of 60 days prior to admission and post-discharge expenses up to 180 days get covered, like the costs for medicines, diagnostics, physiotherapy, consultations, etc.
Medical advancements help in wrapping up important surgeries and treatments in less than 24 hours, and guess what? We cover you for that as well.
Prevention is certainly better than cure and that’s why we offer a free health check-up within 60 days of renewing your my:health Koti Suraksha policy with us.
In case of emergency getting to the hospital on time is crucial. Hence, we have got your back here. my:health Koti Suraksha covers the cost of ambulance transport (within the same city).
If your doctor recommends that you can get yourself treated from the comfort of your home and avail medical facilities, then we cover home hospitalisation expenses too.
Receiving an organ is indeed a lifesaver. We cover surgical expenses for harvesting a major organ from the donor’s body where insured is the recipient.
Let your belief in alternative therapies like Ayurveda, Unani, Siddha, and Homeopathy stay intact as we cover hospitalization expenses for AYUSH treatment as well.
Once you get yourself secured with our health insurance plan there is no looking back. Our health plan continues to secure your medical expenses for your entire lifetime on break free renewals.
Please read the policy wordings, brochure and prospectus to know more about my:health Koti Suraksha.
Adventures can give you an adrenaline rush, but when coupled with accidents, it can be hazardous. Our health insurance plan does not cover accidents encountered while participating in adventure sports.
If you ever end up causing injury to your precious self, then unfortunately our health insurance plan will not cover for self imposed injuries.
War can be disastrous and unfortunate. However, our health insurance plan does not cover any claim that is caused due to wars.
Our health insurance plan does not cover accidental injury while you are participating in defence (Army/Navy/Air Force) operations.
We do not cover medical expenses incurred for Congenital external diseases, defects or anomalies
Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof remains uncovered.
Get easy access to health coaching services like nutrition, fitness and psychological counselling. You can avail all of these services through our Mobile App via chat service or call back facility. All you need to do is download our App from Google Playstore & enjoy these benefits. Click here to download our App (only android devices).
Why settle for short term cover and pay more? Go for a long term plan and save up to 10% with my:health Koti Suraksha.
Avail 10% family discount if 2 or more members buy my:health Koti Suraksha on an individual sum insured basis.
We love rewarding you for your constant efforts to stay fit and healthy by offering fitness discount up to 10% at the time of renewal.
You have a family to take care of
If you are the whole and sole bread earner in the family and have to take all major financial decisions, then it’s imperative to buy a one crore health insurance plan for meeting your family’s future medical expenses. Looking at the current medical inflation, even the smallest medical emergency may drain your savings. Why risk your finances when you have a plan to take care of them?
You have excessive financial commitments
If you are already paying EMIs for your home, car, child’s education etc., then there’s a chance that you may have less disposable income to bank upon during critical times. A single hospitalisation may put a pause to your financial commitments; hence do not think twice before opting for a one crore health insurance plan to meet any medical contingencies. A one crore health insurance plan will boost your confidence and ensure you avail quality healthcare without impacting your ongoing finances.
Your family has a history of critical illnesses
If there is a history of critical illnesses like cancer, heart ailments etc. in your family then there’s no way you should ignore this one crore health insurance plan. Hence, be proactive and safeguard your lifelong savings from paying hospital bills.
You lead a stressful work life
While chasing deadlines and targets, you often ignore your health. A sedentary lifestyle may interfere with your wellbeing and not let you follow a healthy regime. If this continues for an extended period, there are chances that you may succumb to various lifestyle diseases and critical illnesses at a young age. To tackle such unexpected medical expenses, it is essential to buy a one crore health insurance plan and invest your hard-earned money in fulfilling your life goals instead of paying medical bills.
India’s healthcare inflation has been rising steadily and more alarmingly. The average healthcare inflation for India was 7.14% for 2018-19, witnessing a steep rise from 4.39% in previous financial year~. Its time to prepare yourself to tackle these medical expenses arising due to steep medical inflation by opting for a 1 crore health insurance plan.
You do not have to bank upon your savings if you have a 1 crore health insurance plan as it is larger than you think. It will cover you and your dear-ones seamlessly. You won’t have to compromise on the quality of healthcare facilities, if you have a health insurance plan like my:health Koti Suraksha besides you.
Your search for a high sum insured health insurance plan ends here with my: health Koti Suraksha, we offer a health cover up to 1 crore at pocket-friendly prices.
The sole purpose of buying a health insurance plan is to get financial support at the time of medical emergency. Hence, it is important to read the below steps to know how Health Insurance claims process works differently for cashless claimsand reimbursement claim requests.
Fill up the pre-auth form at the network hospital for cashless approval
Once hospital intimates us, we send you the status update
Hospitalisation can be done on the basis of pre-auth approval
At the time of discharge, we settle the claim directly with hospital
You need to pay the bills initially and preserve the original invoices
Post hospital discharge send us all your invoices and treatment documents
We verify your claim related invoices and treatment documents
We send the approved claim amount to your bank account.
28 Oct 2020
I will recommend my friends and family members, yours service is to good and prompt, customer supporting is very good.
15 Oct 2020
I am totally satisfied with the services. The toll free line and IVR line worked even in Covid19 crisis. HDFC customer care executives communication is extremely helpful.
12 Oct 2020
I am glad that you have processed our claim as per the request of our mail.Thank you for considering our mail and responding to it. I am so happy for approving our claim.
28 Sep 2020
Appreciated services provided by your executives.
20 Oct 2020
Excellent service superb Time taken to settle claim exceptionally very low worth mentioning We are delighted at your service
In case an assessee has incurred the expenses allowed as deductions u/s 80D for his/her parents, he/she may also claim deductions for the same along with deductions for self and family.
Amid demands to reintroduce the Yeshasvini health insurance scheme, the Karnataka government is planning to delink health insurance from the ArogyaKarnataka scheme under the health department and execute the programme through the co-operation department.
The insurance industry was forced to adopt the digital route to sell policies from April 2020 as field agents had to start working from home amidst the Coronavirus outbreak.Insurers started to sell fully online from May onwards. Health insurers gained big as high medical costs drove customers to buying medical insurance products.
Policyholders cannot raise a claim against a certain condition if the waiting period is enforced on that condition. The two important health insurance concepts are - waiting period and survival period.
The year 2020 was tough for the insurance industry but it also helped it reinvent itself like never before. In health insurance, short-term policies (generally, insurance policies tenure is of one year) were launched, telemedicine (treating patients using telecommunication) was brought in and instalment option was introduced for premium payments.