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my:health Koti Suraksha- 1 Crore Health Insurance Policy

health insurance plan

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.

Why buy 1 crore health insurance from HDFC ERGO?

Why Choose HDFC ERGO health insurance

1 cr health insurance is designed keeping in mind the growing medical needs and rising inflation.

Wider pre & post hospitalisation
Wider pre & post hospitalisation
Unlimited daycare procedures
Unlimited daycare procedures
No room rent capping
No room rent capping^*
cashless claim service
₹6000+ Cr claims settled till now`
network hospitals
10,000+ Network Hospitals
1.5 Crore+ happy customers of hdfc ergo
#1.5 Crore+ Happy Customers
Get Insured
Get hdfc ergo health insurance plan
Choose Peace of Mind Over Panic

Understand Coverage Offered by Our 1 Cr Health Insurance

hospitalization expenses covered by hdfc ergo

Hospitalization (including COVID-19)

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.

pre & post hospitalisation covered

Pre & Post Hospitalisation

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.

daycare procedures covered

Unlimited Day Care Treatments

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.

free renewal health check-up

Free Preventive Health Check-Up

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.

Road Ambulance

Road Ambulance

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).

cashless home health care covered by hdfc ergo

Home Healthcare*^

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.

organ donor expenses

Organ Donor Expenses

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.

ayush benefits covered

Alternative Treatments

Let your belief in alternative therapies like Ayurveda, Unani, Siddha, and Homeopathy stay intact as we cover hospitalization expenses for AYUSH treatment as well.

lifetime renewability

Lifelong Renewability

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.

adventure sport injuries

Adventure Sport Injuries

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.

self-inflicted injuries not covered

Self-inflicted Injuries

If you ever end up causing injury to your precious self, then unfortunately our health insurance plan will not cover for self imposed injuries.

injuries in war is not covered


War can be disastrous and unfortunate. However, our health insurance plan does not cover any claim that is caused due to wars.

Participation in defence operations not covered

Participation in Defence Operations

Our health insurance plan does not cover accidental injury while you are participating in defence (Army/Navy/Air Force) operations.

Congenital external diseases, defects or anomalies,

Congenital external diseases, defects or anomalies,

We do not cover medical expenses incurred for Congenital external diseases, defects or anomalies

treatment of obesity or cosmetic surgery not covered

Treatment for Alcoholism & Drug Abuse

Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof remains uncovered.

Not just a simple health cover, also your wellness partner

Health Coach

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).

Wellness Services

Avail discounts on OPD consultations, pharmacy purchases & diagnostic centres. You can sign-up for newsletters, diet & health tips. We also offer specialized programs for stress management & pregnancy care. You are just a click away from exploring a bunch of wellness services. Click here to download the App (only android devices).

Multiple Discount options on 1 Crore health insurance plan

Long Term Discount

Long Term Discount"

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.

Family Discount

Family Discount

Avail 10% family discount if 2 or more members buy my:health Koti Suraksha on an individual sum insured basis.

Fitness Discount

Fitness Discount

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 should buy 1 crore health insurance if…

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?

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.

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.

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.

Why opt for a 1 Crore health insurance plan?

rising medical costs

Beats steadily rising medical costs

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.

cover for your family

Enough cover for your family

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.

High sum insured at Affordable Premiums

High sum insured at Affordable Premiums

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.

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All Set to Buy 1 Cr Health Insurance?

  How to Make a Claim for your HDFC ERGO Health Insurance  

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.

Health Insurance Cashless Claims get approved within 20** minutes

Fill pre-auth form for cashless approval


Fill up the pre-auth form at the network hospital for cashless approval

approval status for health claim


Once hospital intimates us, we send you the status update

Hospitalization after approval


Hospitalisation can be done on the basis of pre-auth approval

medical claims settlement with the hospital

Claim settlement

At the time of discharge, we settle the claim directly with hospital

We settle reimbursement claims within 6° hours


Hospitalisation at non network hospital

You need to pay the bills initially and preserve the original invoices

claim registration

Register a claim

Post hospital discharge send us all your invoices and treatment documents

claim verifcation


We verify your claim related invoices and treatment documents

claim approval"

Claim Settlement

We send the approved claim amount to your bank account.

Hear from Our happy customers

4.4/5 Stars

Our customers have rated us

Praveen Kumar

my:Health Suraksha

28 Oct 2020

I will recommend my friends and family members, yours service is to good and prompt, customer supporting is very good.


my:Health Suraksha

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.

Shweta R

my:Health Suraksha

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.

Pramod MahadevTanawade

my:Health Suraksha

28 Sep 2020

Appreciated services provided by your executives.

Shailendra Kumar Rath

my:Health Suraksha

20 Oct 2020

Excellent service superb Time taken to settle claim exceptionally very low worth mentioning We are delighted at your service

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Done Reading? Willing to Buy 1 Cr Health Plan?

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