My Health Care Plan (MHCP) EDGE+ is a next‑generation health indemnity product designed to combine compact coverage with powerful flexibility. At its core, the plan protects against hospitalisation expenses—including room rent, ICU charges, doctor fees, medicines, diagnostics, and advanced treatments—while giving customers the freedom to upgrade protection through a wide suite of optional covers and riders.

What makes MHCP EDGE+ distinctive is its ability to address the real gaps customers face in health insurance. Rising medical costs, non‑payable consumables, and limited coverage often leave families exposed to high out‑of‑pocket expenses. This plan tackles those challenges with higher sum insured options (up to ₹5 Crores), unlimited reinstatement, and innovative riders such as Consumables Plus, Super Cumulative Bonus, and Global Cover.

Customers can also personalise their plan with features like Age Shield to lock premiums, Smart Tenure for multi‑year flexibility, and wellness support through the Health Prime Rider. Whether for individuals, families, or globally mobile professionals, MHCP EDGE+ offers a compact yet comprehensive solution that grows with life’s changing needs.

MHCP EDGE+ is designed to be more than just a standard health insurance plan—it’s a flexible protection suite that adapts to the evolving needs of individuals and families. From higher coverage limits to unlimited reinstatement, wellness support, and global mobility options, the plan ensures customers are safeguarded against rising medical costs and unexpected expenses. Its modular structure allows policyholders to start with strong inbuilt covers and then enhance their protection through optional riders, making it both comprehensive and customisable. Below is a quick view of the key features that make MHCP EDGE+ stand out:

MHCP EDGE+ is built to deliver more than just hospitalisation coverage—it’s designed to reduce out-of-pocket expenses, fight medical inflation, and provide flexibility for future healthcare needs. By combining strong inbuilt protections with innovative riders, the plan ensures customers can customise their coverage to match lifestyle, family, and global requirements. Below are the key benefits explained in detail:

1. Comprehensive Hospitalisation Cover
MHCP EDGE+ provides extensive protection for in‑patient hospitalisation, including room rent, ICU charges, doctor fees, medicines, diagnostics, and advanced therapies. This ensures customers don’t face unexpected financial strain during critical treatments.

2. Pre- and Post-hospitalisation Benefits
Medical expenses up to 60 days before admission and 90 days after discharge are covered, offering continuity of care and reducing out‑of‑pocket costs for follow‑up treatments.

3. Day Care and Modern Treatments
The plan supports advanced procedures and short‑duration treatments that don’t require 24‑hour hospitalisation, ensuring customers benefit from the latest medical technologies.

4. AYUSH and Domiciliary Care
Coverage extends to AYUSH hospitalisation and medically necessary home‑based treatments, giving customers holistic and flexible healthcare options.

5. Unlimited Sum Insured Reinstatement
If the Sum Insured is exhausted, it is refilled unlimited times within the policy year, ensuring protection never runs out during multiple hospitalisations.

6. Cumulative and Super Cumulative Bonus
Customers enjoy annual coverage growth for every claim‑free year, with options to boost coverage up to 600%, helping fight medical inflation.

7. Global Protection Options
With riders like Global Cover and International Emergency Care, customers can access treatment abroad, making the plan suitable for globally mobile families and professionals.

8. Consumables Coverage
Riders, such as Consumables Plus, reduce deductions for non‑medical items like gloves, syringes, and bandages, ensuring smoother cashless claims.

9. Future‑Proofing Riders
Options like Age Shield (locking premium age), Smart Tenure (multi‑year pooling), and StepUp Benefit (upgrading sum insured slab) provide long‑term affordability and adaptability.

10. Wellness and OPD Support
Through the Health Prime Rider, customers gain access to tele‑consultations, preventive check‑ups, dental care, nutrition, fitness, and emotional wellness support.

11. Discounts and Affordability
MHCP EDGE+ offers family, loyalty, online, zone‑based, and wellness‑linked discounts, making comprehensive protection more affordable.

The MHCP EDGE+ policy is designed to function as a flexible health indemnity plan that adapts to customer needs while ensuring strong protection against hospitalisation expenses. At its foundation, the plan covers inpatient costs such as room rent, ICU charges, doctor fees, medicines, diagnostics, and advanced treatments. Customers can choose between individual or family floater options, with entry age starting from 3 months and lifetime renewability guaranteed.

When a claim arises, the policy reimburses or settles eligible hospitalisation expenses on an indemnity basis, meaning actual costs are covered up to the chosen sum insured. To enhance this, MHCP EDGE+ offers unlimited reinstatement—ensuring coverage never runs out within the policy year, even if multiple hospitalisations occur.

Customers can further customise their plan through optional riders. For example, Consumables Plus reduces deductions for non‑medical items, Global Cover extends protection abroad, and Age Shield locks premium age until a claim is made. These riders are selected at purchase or renewal, allowing flexibility as healthcare needs evolve.

The policy also rewards claim‑free years with a Cumulative Bonus, increasing coverage over time to offset medical inflation. Discounts such as family, loyalty, and wellness‑linked benefits make the plan more affordable.

In essence, MHCP EDGE+ works by combining strong inbuilt covers with modular add‑ons, ensuring customers always have the right balance of affordability, flexibility, and future‑ready protection.

My Health Care Plan EDGE+ offers you robust, essential coverage (including hospitalisation) and options to add other benefits like coverage for tele-consultation. While the original My Health Care Plan caters to people seeking strong base protection with added outpatient support. You can get maternity benefits, newborn cover, and 2X OPD coverage already included in My Health Care Plan. Whereas, with My Health Care Plan EDGE+, you can get these benefits at an additional cost as per your needs.

MHCP EDGE+ builds on the foundation of MHCP by introducing a suite of advanced riders that make the plan future‑ready and highly customisable:

1. Global Cover (for SI > ₹10 Lakhs): Covers both planned and emergency treatments abroad, subject to co‑pay and travel conditions.

2. Consumables Plus (for SI > ₹10 Lakhs): Expands consumables coverage to include a wide list of non‑medical items, reducing deductions during claims.

3. Smart Tenure: Pools multi‑year Sum Insured into one combined limit (e.g., ₹5 Lakhs × 5 years = ₹25 Lakhs).

4. StepUp Benefit: A once‑in‑a‑lifetime option to upgrade Sum Insured at renewal without resetting waiting periods.

5. Health Limitless (for SI ≥ ₹10 Lakhs): One lifetime claim covered without any Sum Insured limit.

6. Age Shield: Locks premiums at the age of entry until the first paid claim.

1. Entry Age
Any person aged 3 months or older is eligible, making the plan suitable for infants, adults, and senior citizens.

2. Family Floater Option
Covers proposer, spouse, and dependent children; extended family members can be included under individual cover as per policy rules.

3. Lifetime Renewability
No upper age limit for renewal, ensuring lifelong protection.

4. Policy Tenure
Available for 1, 2, 3, 4, or 5 years, with discounts for long‑term commitments.

5. Sum Insured Range
Flexible slabs starting from ₹5 lakhs to ₹5 crores, catering to diverse healthcare needs.

6. Residency & Documentation
Available to Indian residents; Non-Resident Indians (NRIs) or Overseas Citizens of India (OCI) can access special benefits through riders like NRInsure, subject to documentation.

When selecting MHCP EDGE+, it’s important to evaluate a few essential factors to ensure the plan matches your healthcare needs.

Start by assessing your coverage needs and whether the inbuilt benefits and optional riders provide adequate protection for your family. Choosing the right sum insured slab is critical to balance affordability with rising medical costs.

Customers should also consider the plan’s flexibility options, such as Age Shield, Smart Tenure, and StepUp Benefit, which help future‑proof coverage. For those who travel frequently, global mobility through Global Cover adds international protection.

Wellness and OPD support via the Health Prime Rider enhances preventive care and everyday health management. Finally, factor in affordability and discounts such as family, loyalty, and wellness‑linked offers to make comprehensive protection more cost‑effective.

MHCP EDGE+ documents

Document Name	Document link
Brochure
Policy Wordings
Proposal Form (Digital)
Proposal Form (Offline)
Rate Chart
Overview
Age Shield
Smart Tenure
Health Limitless
StepUp Benefit
Global Cover
Consumables Plus
MHCP EDGE+ FAQ

To apply for MHCP EDGE+, customers need to provide certain documents that help insurers verify identity, age, address, and medical history. These requirements ensure smooth policy issuance, accurate risk assessment, and compliance with regulatory norms.

●  Identity Proof: Aadhaar card, passport, voter ID, or driving licence to confirm identity.

●  Age Proof: Birth certificate, school certificate, or passport to establish age eligibility.

●  Address Proof: Utility bills, Aadhaar card, or rental agreement to verify residence.

●  Income Proof: Salary slips, Form 16, or bank statements, especially for higher Sum Insured slabs.

●  Medical Records: Health check‑up reports or doctor’s certificates for pre‑existing conditions.

●  Photographs: Recent passport‑size photos of proposer and family members to be insured.

●  Special Documentation: NRIs/OCI applicants may need additional proof under riders like NRInsure.