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Home / Health Insurance / my:health Suraksha Silver with ECB & Rebound
  • Introduction
  • What's Included?
  • What's not Included?
  • Other related articles
  • FAQs

We regret to inform you that as we have discontinued our My: Health Suraksha Plan, new plans will not be issued in future.

my:health Suraksha Silver with ECB & Rebound

 

One medical emergency is all it takes to wipe out your hard earned life savings, to ensure that you and your family remain financially healthy and to face such emergencies with confidence we have come up with My:health Suraksha Silver with ECB & Sum Insured Rebound. Now enjoy health insurance coverage from 3 lacs to 50 lacs, worried that you have exhausted your current sum insured...don't worry, with this plan you can get back sum insurance coverage.

Reasons to choose my:health Suraksha Silver with ECB & Rebound

No room rent capping
No room rent capping
Worried that you can’t afford a hospital room of your choice with your insurance plan? With my:health Suraksha you can bank in healthcare comforts.
Alternative Treatment
Alternative Treatment
Now get AYUSH treatment, we offer coverage for any alternative treatment plan you opt for
Mental Health Care
Mental Health Care
Mental health cases have been rising... Relax, We offer coverage mental health care treatment expense
Cashless Home Healthcare
Cashless Home Healthcare
Guess what if your doctor recommends in-home treatment, you can avail medical attention at home without paying a penny! Thanks to our ^^^cashless care facility for home treatments.

What’s Included?

Hospitalisation Expenses
Hospitalisation Expenses

Everything from bed-charges, nursing charges, blood tests, ICU and consultation fees gets covered effortlessly.

Pre-hospitalisation Cover
Pre-hospitalisation Cover

Before hospitalisation, there are expenses towards doctor consultations, check-ups and prescriptions. We provide full coverage of such expenses 60 days prior to hospitalisation.

Post-hospitalisation Cover
Post-hospitalisation Cover

Get full coverage of expenses incurred on doctor consultations, rehabilitation charges etc. till 180 days after discharge from hospital.

Organ Donor
Organ Donor

For a noble deed as organ donation, we cover the organ harvesting expenses incurred to the donor in case the insured has to undergo organ transplant.

Day Care Procedure
Day Care Procedure

Now get coverage for up to 586 day care procedures

Alternative Treatments (Non-Allopathic)
Alternative Treatments (Non-Allopathic)

We support the healing powers of Ayurveda, Unnani, Sidha and Homeopathy treatment. No matter what type of treatment you prefer, we are always there for you in the time of need.

Mental Healthcare
Mental Healthcare

If any of the insured member suffers from mental illness, the expenses for hospitalization gets covered.

Home Healthcare
Home Healthcare

If your doctor recommends treatment at home, you can avail the services right at your home that too with ^^^cashless facility.

Road Ambulance Cover
Road Ambulance Cover

Transfer from hospital to home in an ambulance (within the same city) is also covered if the insured encounters life-threatening medical emergency.

Sum Insured Rebound
Sum Insured Rebound

Get additional sum insured equivalent to the admissible claim amount upto a maximum of the basic sum insured.

Enhanced Cumulative Bonus
Enhanced Cumulative Bonus

Now get cumulative bonus of 10% every claim free year upto a maximum of 100%

What’s not included?

Adventure Sport injuries
Adventure Sport injuries

Adventures can give you an adrenaline rush, but when coupled with accidents, it can be hazardous. Our policy does not cover accidents encountered while participating in adventure sports.

Self-inflicted injuries
Self-inflicted injuries

You might think of causing injury to your precious self, but we don’t want you to hurt yourself. Our policy does not cover self-imposed injuries.

War
War

War can be disastrous and unfortunate. However, our policy does not cover any claim that are caused due to wars.

Participation in defense operations
Participation in defense operations

Our policy does not cover accidents while you are participating in defense (Army/Navy/Air Force) operations.

Venereal or Sexually transmitted diseases
Venereal or Sexually transmitted diseases

We do understand the criticality of your disease. However, our policy does not cover venereal or sexually transmitted diseases.

Treatment of Obesity or Cosmetic Surgery
Treatment of Obesity or Cosmetic Surgery

Treatment of obesity or cosmetic surgery is not eligible for coverage under your insurance policy.

For detailed inclusion and exclusion please refer the sales brochure/policy wordings

Waiting Periods

First 24 Months From Policy Inception
First 24 Months From Policy Inception

Few illnesses & treatments are covered after 2 years of policy issuance.

First 48 Months from Policy Inception
First 48 Months from Policy Inception

Declared and/or accepted pre-existing conditions at the time of application will be covered after first 4 years of continual renewals.

First 30 Days from Policy Inception
First 30 Days from Policy Inception

Only accidental hospitalisations shall be admitted.

Our Cashless
Hospital Network

16000+

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Seamless & Easy Claims! Assured


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Regular claim update on your mobile

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Secured Over 1.6 Crore+ Smiles!
Why choose HDFC ERGO General Insurance?

Secured Over #1.6 Crore+ Smiles!

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.
Secured Over 1.6 Crore+ Smiles!
All the support you need-24 x 7
Why HDFC ERGO?

All the support you need-24x7

We understand that in times of distress, instant help is the need of the hour. With our 24x7 customer care and dedicated claims approval team, we ensure to be your constant support system in times of need.
Secured Over 1.6 Crore+ Smiles!
All the support you need-24 x 7
Transparency In Every Step!
Why HDFC ERGO?

Transparency In Every Step!

Claims is the most important part of insurance policy and we attach maximum importance to seamless claims process.
Secured Over 1.6 Crore+ Smiles!
All the support you need-24 x 7
Transparency In Every Step!
Integrated Wellness App.
Why HDFC ERGO?

Wellness App.

We go beyond health insurance, caring for your body as well as mind. my:health services application will help you embrace a healthy lifestyle. Get your health card, track your calorie intake, monitor your physical activity and enjoy well-being at its best.
Secured Over 1.6 Crore+ Smiles!
All the support you need-24 x 7
Transparency In Every Step!
Integrated Wellness App.
Go Paperless!
Why HDFC ERGO?

Go Paperless!

We don't like paperwork either. In this fast world, get your policy online with minimum documentation and easy payment methods.
Why HDFC ERGO?
Secured Over 1.6 Crore+ Smiles!

Secured Over 1.6 Crore+ Smiles!

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.
All the support you need-24 x 7

All the support you need-24 x 7

We understand that in times of distress, instant help is the need of the hour. With our 24x7 customer care and dedicated claims approval team, we ensure to be your constant support system in times of need.
Transparency In Every Step!

Transparency In Every Step!

Claims is the most important part of insurance policy and we attach maximum importance to seamless claims process.
Integrated Wellness App.

Integrated Wellness App.

We go beyond health insurance, caring for your body as well as mind. my:health services application will help you embrace a healthy lifestyle. Get your health card, track your calorie intake, monitor your physical activity and enjoy well-being at its best.
Go Paperless!

Go Paperless!

We don't like paperwork either. In this fast world, get your policy online with minimum documentation and easy payment methods. Your policy straight-away sits in your inbox.

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What's more?

 
Family Health Insurance
Family Health Insurance
Unveil Plans for Family
Parents Health Insurance
Parents Health Insurance
Check our plans for parents
Senior Citizen
Senior Citizen
Secure growing medical needs
Women Health Insurance
Women Health Insurance
Get lump-sum benefits for women specific critical illnesses

Frequently asked questions

1. What is difference between Silver with ECB & Rebound, Silver Smart, Gold Smart & Platinum Smart?
There are differences in the coverages of these plans. However, the main difference is the Sum Insured options available under each of these plans. SI options under - Silver with ECB & Rebound - 3 to 50 lacs, Silver Smart - 3, 4 & 5 Lacs - Gold Smart - 7.5, 10 & 15 Lacs - Platinum Smart - 20, 25, 50 & 75 Lacs.
Geographical jurisdiction to avail medical treatment is India only.
Home healthcare is a unique ^^^cashless cover whereby the insured can avail treatment at home if recommended by the treating medical practitioner towards Chemotherapy, Gastroenteritis, Hepatitis, Fever Management, Dengue etc
Immediately upon diagnosis of Illness, intimate Us with basic policy details, treatment plans and preferred date and time of initial assessment. We will inform our Home Healthcare service provider who will meet the treating medical practitioner, check if the patient requires any equipment, devices, and share the care plan and treatment cost estimation with Us. On receipt of the complete documents, we may issue an authorisation letter specifying sanctioned amount or reject the cashless request. Overall, this operates like any other cashless hospitalisation.
No, you need not pay for pre-policy medical tests in case it is taken up at our network Diagnostic Centers. It is cashless. Only in case your policy is rejected based on adverse medical findings, 50% of the pre-policy check up cost is deducted from the premium refund amount.
We will add to the Sum Insured, an amount equivalent to the last claim amount under the policy subject to maximum of basic sum insured only on subsequent hospitalisation of the insured person during the policy year. One can claim for same illness multiple times in the policy year, however, claim related to Chemotherapy and Dialysis will be paid only once in the lifetime of the policy. Also, balance rebound sum insured will not be carried forward to the next policy year.
No, OPD is not covered under my:health Suraksha.
Yes, younger spouse can be a proposer under my:health Suraksha. However, premium calculation is based on the age of eldest family member proposed.
Depending on the age and sum insured opted, pre-policy medical checkup varies. Pre-policy medical checkup typically has Medical Examination Report by the Physician, few blood & Urine tests & ECG. TMT, 2D echo, Sonography etc can also be part of the PPC check up list depending on the Sum insured and age of the customer.
In case of Organ Transplantation, donor expenses like screening, organ harvesting & donor hospitalisation expenses are covered. Cost of Organ per se is not covered
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