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FAQs

  • What are the key benefits of health insurance by HDFC Ergo?

    Health insurance by HDFC Ergo offers the following benefits to the insured: 

    • Coverage on individual as well as family floater basis
    • Plans offer lifelong renewability benefit
    • Plans with no sub-limit on room rent
    • 5% of bonus on the sum insured for every year a claim is not made
    • Reimbursement of health check-up expenses after a block of 4 claim-free years.

  • Do health insurance plans by HDFC Ergo provide tax benefits?

    Yes. If covered under health insurance plans by HDFC Ergo, you can avail tax benefits under Section 80D of the Income Tax Act, 1961 on the premiums paid for them. 

  • Who can enjoy benefits under the health insurance plan by HDFC Ergo?

    Anyone who is aged more than 18 years and is living in India can purchase health insurance plans offered by HDFC Ergo. They can also include their family members under the plans.

  • Does health insurance by HDFC Ergo allow policyholders to avail additional benefits?

    Apart from the coverage benefits, the holders of HDFC Ergo plans cover you for additional benefits such as free preventive health check-ups, multiplier benefits wherein you can get up to 100% additional policy cover as No Claim Bonus, 100% restore benefit that restores 100% cover instantly after your first claim. Also, you can avail several add-on benefits like critical illness cover, maternity cover etc. as per your choice, if covered under health insurance plans by HDFC Ergo. 

  • Is my health insurance plan by HDFC Ergo transferable without losing renewal benefits?

    Yes. You can transfer your health insurance plan by HDFC Ergo without losing renewal benefits such as No Claim Bonus or waiting period benefits.  

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User Reviews

4.6
Rating based on
40 User reviews
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What users are saying
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  • Amazing benefits

    I wanted to buy a health insurance plan for myself. I visited the InsuranceDekho website and found a wide range of plans. I bought the Optima Secure Health insurance plan of HDFC ERGO. It is offering me a lot of benefits. I am really satisfied

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    U
    Apollo Munich
    By Usha Saxena
    On: Jan 27, 2022
  • Secured payments

    I bought the Optima Restore health insurance plan by HDFC ERGO from the InsuranceDekho website. The payment method was quite secure and convenient. I could easily make the payment. If you are looking for a health insurance plan, do visit the InsuranceDekho website

    Read More

    M
    Apollo Munich
    By Muskan Jain
    On: Jan 27, 2022
  • User-friendly website

    While buying the My Health Suraksha health insurance plan of HDFC ERGO from the InsuranceDekho website, I found the website to be user-friendly. I could easily locate the things on the website. It was very well managed

    Read More

    S
    Apollo Munich
    By Suhani Jha
    On: Jan 27, 2022
  • Great Expert Team

    I am glad to get the support of the expert team of InsuranceDekho to learn about the best plan according to my preference. I got valuable advice. And purchased a policy from HDFC ergo general insurance

    Read More

    T
    Apollo Munich
    By Tapas Simha
    On: Jan 05, 2022
  • Optimised budget

    On InsuranceDekho, the premium budget is properly optimised. The policy coverages are well aligned with the premium amount. This is one of the main reasons why I chose this platform to issue HDFC ERGO General Insurance my:Health Koti Suraksha.

    Read More

    V
    Apollo Munich
    By Vandana Khare
    On: May 03, 2021
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