HDFC ERGO My:Health Koti Suraksha Health Insurance Wordings

My:Health Koti Suraksha Policy comes with the following waiting periods: 

• For all illnesses except accident: 30 days in the first year and is not applicable in subsequent renewals 
• Specific illnesses and treatments: 24 months in the first two years and is not applicable in subsequent renewals
• Pre-existing diseases: covered after a waiting period of 48 months.

Under My:Health Suraksha Policy, the payment is made on reimbursement basis for hospitalisation expenses, road ambulance expenses, domiciliary expenses, organ donor expenses, and alternative treatment; whereas on  benefit basis for accidental death, permanent disablement, temporary total disability, broken bones, burns, hospital cash, and add ons of critical illness and hospital daily cash.

The premiums for My:Health Koti Suraksha Policy can be paid on yearly, half-yearly, quarterly, and monthly installments. 

Following are the renewal benefits under My:Health Koti Suraksha Policy: 

• Preventive health check-up
• Fitness discounts at the time of renewal
• Health incentives
• Wellness services
• Cumulative bonus for every claim-free year