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My:health Suraksha Floater
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my:health Suraksha is a delight for individual & families looking for the right health cover.


  • Multiple sum insured options ranging from Rs. 3 Lacs to Rs. 75 Lacs available under this policy .
  • Any age entry option with lifetime renewal.
  • Exclusive covers like Air ambulance cover, Recovery benefit, Infertility cover.
  • Wellness features like Fitness discount@ renewal, Health incentives for maintenance of health.
  • Flexi benefits like choosing room rent capping, co pay in order to avail discounts on premium.
  • Various discount options to like family discount, long term policy discount, loyalty discount.
  • Long term policy options up to 3 years with attractive premium rate.
  • Option to pay yearly premium in 3, 6 and 12 equal installments.
Title Description
Room Rent Limit No Limit
ICU Daily Rent Limit No Limit
Pre-Hospitalization Expenses 60 days prior to hospitalisation.
Post Hospitalization Expenses 180 days after discharge from hospital.
Minimum Hospitalization Period 24 hours
Day Care Procedure Coverage 586 day care procedures.
Additional Cover for Critical Illness Optional my:Health Critical Illness Add on
Automatic Restoration of Sum Insured Available In the form of rebound.
Pre-Existing Disease / Illness coverage 36 months shall apply for all Pre-existing Conditions.
Waiting Period for New Policy First 30 Days from Policy Inception.
Medical Screening For Insured above the age of 45 or SI above RS 25 Lakh
Free Health Checkup Every year, at our Network Service Provider irrespective of Claims made under the Policy.
Ambulance Expenses SI 3L to 5 L - Rs. 2000, SI 7.5 Lto 15 L - 3500, SI 20 L to 50 L - 3,500 Above 50 L - 15,000.Air Ambulance Covered up to 2 lacs under Gold Smart Plan, up to 5 Lacs Under Platinum Smart Plan
Non-Allopathic Treatments Covered with no restriction
New Born Baby Cover Optional: Upto Parent Care Sum Insured
Donor Expenses The organ harvesting expenses incurred to the donor in case the insured has to undergo organ transplant are covered
No Claim Bonus For Silver Smart and Gold Smart 10% at each claim free yr, max 100% and for Platinum Smart25% at each claim free yr, max 200%