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HDFC ERGO Health Insurance
- 9000+ hospital networkCheck in your City
- 654375 policies issued
- 70% claim settlement ratio
- Tax benefits under section 80D
- Lifelong renewability
- No restrictions on entry age
About HDFC ERGO
HDFC ERGO General Insurance Company Limited was formed in the year 2002. A 51:49 joint venture between HDFC Ltd. and ERGO International AG, HDFC ERGO is one of India’s largest non-life insurance company. HDFC ERGO General Insurance marked the first merger with HDFC General Insurance (formerly known as L&T General Insurance). The merged entity, HDFC ERGO General Insurance Company Limited, is the third largest general insurance provider in the private sector.
Headquartered in Mumbai, India, HDFC ERGO General Insurance Company Limited offers a diverse array of general insurance products ranging from motor, travel, health, home, and personal accident in the retail space. Furthermore, the company offers customized products such as property, marine, and liability insurance in the corporate space.
One of the best known private general insurance companies in India, HDFC ERGO strives to offer the best health insurance policies covering both, individuals and families. The company has a wide range of comprehensive & unique products at pocket-friendly rates. The policies cover hospitalization, pre, and post hospitalization expenses, and accidents, at the very least.
Key Highlights:
- Massive chain of 9000+ network hospitals
- 70% Claim Settlement Ratio
- 52.58% Incurred Claim Ratio (2017-18)
- Wellness App
- Lifelong renewability
- No restrictions on entry age
- Wide range of plans to choose from
- Zero documentation
- High No Claim Bonus
- Flexible payment modes
- Daycare procedures
- Domiciliary medical treatment
- Not just customer satisfaction, but ‘Customer Delight'
- Fast and hassle-free claim settlement procedure
- 5% bonus on the sum insured for every claim free year
- A vast network of 127 branches spread across 106 cities
- 2000 plus employees
- Wide distribution network
- 24/7 customer support team
- Transparency in every step
- IAAA rating from ICRA indicating a high claim settlement ratio.
Focused on providing a seamless and smooth experience to its customers, HDFC ERGO offers a vast array of products that include Health Suraksha Gold Insurance Plan (Individual, family, parents), Health Suraksha Insurance (Silver & Gold), Health Suraksha Gold with Regain & ECB, HDFC ERGO Critical Illness (Silver & Platinum), Super Top-up, Health Medisure Classic, and others.
HDFC ERGO believes that ‘Hospital expenses shouldn’t be at the cost of your happiness’. To ensure the financial stability of its customers during medical emergencies, the company leaves no stone unturned in offering specifically-designed health insurance solutions with time. HDFC ERGO wants the customers to ‘Take it easy, Experience the convenience'.
HDFC ERGO Health Insurance Plan List
| Name of Plan | Sum Insured | |
|---|---|---|
| Health SurakshaMinimum: 91 days Maximum: No limit | 2 Lakh | Get Quotes Now |
| Critical Illness PlanMin: 5 years; Max: 65 years | 5 Lakh | Get Quotes Now |
| Health Medisure Classic Minimum: 18 years; Maximum: No Age Bar | 1 Lakh | Get Quotes Now |
Claim Process at HDFC ERGO Health Insurance
- Network Hospital
- Non-Network Hospital
- 1
Claim Intimation
Emergency hospitalization needs intimation within 24 hours and for planned hospitalization intimate within 48 hours prior to admission. - 2
Claim Processing
Fill in the pre-authorization form and hand it over to hospital's insurance/TPA desk to initiate claim request. - 3
Claim Settlement
Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge. - 4
Claim Assistance
For any assistance call Insurancedekho at 1800-120-5698 or call toll free number of HDFC ERGO Health Insurance at 022-6234-6234.
- 1
Claim Intimation
Emergency hospitalization needs intimation within 24 hours and for planned hospitalization intimate within 48 hours prior to admission. - 2
Claim Processing
Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc. - 3
Claim Settlement
Once your request for reimbursement of expenses is approved, the claim will be settled. - 4
Claim Assistance
For any assistance call insurancedekho at 1800-120-5698 or call toll free number of HDFC ERGO Health Insurance 022-6234-6234.
Latest HDFC ERGO Health Insurance News
HDFC ERGO Health Insurance Contact Details
Insurance Dekho
Call Us1800-120-5698Mon to Sat 10:00 AM to 7:00 PM
HDFC ERGO Health Insurance FAQs
What are the types of plans offered by HDFC ERGO?
You can choose from Individual Health Insurance, Family Health Insurance, Parents Health Insurance, Senior Citizens Health Insurance, Critical Illness Insurance, and my:health Medisure Super Top-up as per your insurance needs.
Why should I buy HDFC ERGO health insurance policy?
HDFC ERGO helps its customers ‘Take it easy. Experience the convenience.” To ensure the same, the company offers policies that are specifically designed keeping the diverse health insurance needs of customers in mind. Moreover, HDFC ERGO offers benefits such as pre and post hospitalization coverage, cashless claims, no sub-limits, tax benefits, day care procedures, domiciliary medical treatment, and others.
How to apply for and buy HDFC ERGO health insurance policy online?
You can apply for and buy HDFC ERGO health insurance policies online through HDFC ERGO’s website www.hdfcergo.com or through www.insurancedekho.com. Remember, you can make use of net banking, debit card, or credit car to pay the health insurance premium as the company allows flexible payment modes.
Is there a limitation on age at entry for health insurance in HDFC ERGO?
The entry age for children is 91 days. However, there is no maximum entry age for adults.
What is the toll free customer care number of HDFC ERGO?
The customer service number for HDFC ERGO is 022 6234 6234.