How to Secure Affordable Health Protection for Your Family in 5 Simple Steps

A hospital visit can arrive without warning. For many households, one serious illness is enough to drain years of hard-earned savings. Today, a vast majority of Indians, small business owners, gig workers, delivery staff, and people from lower and middle-income groups, still do not have access to health insurance. They are often referred to as the “Missing Middle.”

To help bridge this gap, PhonePe has joined hands with HDFC ERGO to launch a group plan under HDFC Ergo’s Suraksha Sankalp for Bharat. It is easy to buy, fully digital, and priced smartly to be affordable. In fact, the cost starts from just ₹12 a day, not much more than a cup of tea!

How to buy on the PhonePe app?

Getting this cover is quite straightforward and hassle free. Here’s what you need to do:

• Open the PhonePe app on your phone and tap on Insurance on the home screen.
• Go to Health Insurance and pick who you want to cover — yourself, your spouse, children, or even parents and in-laws.
• Tap on Find Plans to see the available options. Choose the 3L cover option from the cover amount filter. From the list, choose HDFC ERGO GHI (Suraksha Sankalp).
• Check the premium and benefits. Once satisfied, tap Buy Plan.
• Make the payment online, and your policy will be active right away. You can always find it later under My Policies in the app.

What the plan offers?

This plan goes beyond your basic hospital cover. Some of the key benefits include:

• ₹3 lakh hospitalisation cover
• Cashless treatment across a wide hospital network

• Claim up to ₹2,000 for physical consultations and talk to doctors online as many times as needed

• Avail personal accident protection
• Get ₹2,000 per day Hospital Cash Benefit for each 24 hour hospital stay, for up to 15 days
• If you are down with dengue, malaria, or other vector-borne diseases, receive ₹1,500 per day for up to 10 days
• Get covered for consumables like syringes and bandages

Put simply, this is a 360-degree health plan that takes care of many common medical costs that users may not even be aware of.

How to avail the policy?

When the time comes, the process is simple:

• Visit any hospital in the plan’s network
• Show your policy details from the PhonePe app
• Get admitted without paying cash upfront — the insurance will cover the costs

Why it matters

For less than ₹400 a month, families can now take their first step towards real financial security in healthcare. With PhonePe’s reach and HDFC ERGO’s reliability, this plan ensures that millions of Indians no longer have to fear sudden hospital bills. It is protection made simple, and peace of mind made affordable and accessible.