HDFC ERGO Health Insurance

15 reviews Rate This
  • 9,000+ Network Hospitals
    Check in your City
  • 6,54,375 Policies Issued
  • 52.58% Incurred Claim Ratio
  • Lifelong Renewability
  • 82.99%Claim Settlement Ratio
  • 100% In-House Claim Settlement


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 companies. It marked the first merger with HDFC General Insurance (formerly known as L&T General Insurance). The merged entity, HDFC ERGO General Insurance Company Limited, has become the third largest general insurance provider in the private sector. Headquartered in Mumbai, HDFC ERGO General Insurance offers a diverse array of general insurance products ranging from motor, travel, health, home, and personal accident in the retail space.

As far as health insurance products are concerned, HDFC ERGO offers a variety of health insurance policies and top-up plans that cover individuals, families, women, children, newborn babies, senior citizens, lifestyle diseases, critical illnesses, etc. The company makes sure to offer comprehensive and unique health insurance products with a wide coverage choice at pocket-friendly rates.

Key Highlights:

  • No third-party involvement
  • 120+ offices across the country
  • An array of sum insured options
  • 9,000+ leading network hospitals
  • Pre-policy medical health check-ups
  • Cashless facilities in all network hospitals
  • Restoration benefits if sum insured gets exhausted

HDFC ERGO envisions to become the most admired insurance company that can contribute to customer progress by being responsive to their needs. Focused on providing a seamless and smooth experience, 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.

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 people to ‘Take it easy, Experience the convenience'.

HDFC ERGO Health Insurance Plan List

Name of PlanSum Insured
Health SurakshaMin: 91 Days; Max: No Limit3 Lakh Get Quotes Now
Critical Illness PlanMin: 5 Years; Max: 65 Years 5 Lakh Get Quotes Now
my: health SurakshaMin: 91 Days; Max: No Limit3 Lakh Get Quotes Now
my:Health Medisure ClassicMin: 3 Months; Max: No Limit1 Lakh Get Quotes Now

HDFC ERGO Health Insurance Top Up List

Name of PlanSum Insured
my: Health Medisure Super Top-upMin: 3 Months; Max: 65 Years3 Lakh Get Quotes Now
Health Suraksha Top upMin: 91 Days; Max: 65 Years3 Lakh Get Quotes Now

Claim Process at HDFC ERGO Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 2

    Claim Processing

    Fill in the pre-authorisation 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 hospitalisation needs intimation within 24 hours and for planned hospitalisation 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.

HDFC ERGO Health Insurance User Reviews

  • HDFC ERGO health insurance is great

    This is the first time that i have invested in HDFC ERGO health insurance. Thank you InsuranceDekho for your support. Now, i have an insurer that offers affordable plans at low premium rate. The coverage offered is high and helps me cover my complete family. My recommendation for HDFC ERGO will always be there.

    On: Oct 01, 2019 | Views
  • Experience is great

    I am having HDFC ERGO heath insurance for the past 2 years. I have made a claim once and the process was very simple. I got covered for inpatient hospitalisation, pre & post hospitalisation and other expenses that were too much for me. I must say HDFC ERGO came as a blessing in my life at that time.

    On: Oct 01, 2019 | Views
  • Happy with my HDFC insurance

    Investing in HDFC ERGO’s health insurance has been a great decision for me. My current HDFC ERGO plan covers my entire family at a low premium. Also, the claim process is easy. Overall, i am happy and satisfied. Would recommend HDFC ERGO to all.


    On: Sep 20, 2019 | Views
  • Definitely better than other insurers

    After choosing HDFC ERGO insurance cover, I have come to realize that it offers the best plans. The plan that i have right now offers huge coverage without demanding high premium. The services are great and convenient. I am totally satisfied with my plan.

    On: Sep 20, 2019 | Views
  • Impressed

    I am really impressed with the services. The policy was issued within a day without any hassle. Thank you team.

    On: Sep 13, 2019 | Views
  • Whole family under one

    For a long time, I had been searching for a comprehensive plan covering my whole family under one cover. I wanted to tell everyone that HDFC Ergo's Health Suraksha plan is one such plan.  

    On: Aug 28, 2019 | Views
  • Plan I was looking for

    The plan of HDFC Ergo comes with varied options, I never knew. The customer care executives helped me to understanding each plan in detail and helped me with the purchase the best!

    On: Aug 08, 2019 | Views
  • Excellent service by HDFC ERGO

    I have been using HDFC ERGO health insurance for the past seven years. It is a cashless facility, however, I haven’t had a claim filed yet. My coverage for the policy is Rs.5Lakh and I pay the premium through online basis. I recommend insurancedekho and HDFC ERGO to all. 

    On: May 08, 2019 | Views
  • Service is good

    My health insurance policy with HDFC ERGO is the best one so far. The investment is affordable and there are multiple benefits that the policy features. The claim is high despite the low premium. Quite happy with the services. Thanks insurancedekho for suggesting HDFC ERGO.


    On: May 08, 2019 | Views
  • A trustworthy insurer you can depend on

    My experience with HDFC ERGO health insurance has been a great one. The company provides extremely prompt and easy service. I recommend HDFC to all those who want health insurance plans with high policy coverage and easy claim settlement. 

    On: May 05, 2019 | Views
  • Easy Process

    HDFC Ergo has an easy process of buying and applying for health insurance policies. Also, I took the help of Insurancedekho wherein the customer care executives helped me choose the right plan according to my requirements. I give it 5 on 5 stars.

    On: May 04, 2019 | Views
  • A satisfied customer

    HDFC ERGO has always been my go-to insurance company. Currently, I have a family coverage for which I pay Rs.6100 on an yearly basis. I have not made a claim until now, but hope that the claim settlement process would be prompt and easy.

    On: May 02, 2019 | Views
  • Quick claim settlement

    Quick claim settlement is one option that everyone looks for, before buying a health insurance policy. I was also looking for an insurer that has a good record of claim settlement when one of my friends recommended me HDFC Ergo. It has been three years since I am a policyholder of HDFC and I am satisfied with the smooth process it has and the fair services it provides.

    On: May 02, 2019 | Views
  • The best in the health insurance industry

    My health insurance is with HDFC ERGO. I was looking for a policy with cashless facility and found the perfect one at HDFC ERGO. The policy tenure is 1 year and needs to be renewed each year, which I am fine with. Overall, it’s a good experience.

    On: Apr 30, 2019 | Views
  • Reliable Insurance Provider

    HDFC Ergo is a reliable health insurer that provides health insurance at low premiums to the policyholders. I have a wide list of hospitals covered under my policy and it is always easy to avail cashless treatment with them. I am a satisfied customer of HDFC Ergo.

    On: Apr 30, 2019 | Views

Latest HDFC ERGO Health Insurance News

HDFC ERGO Health Insurance Contact Details

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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 hospitalisation 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 or through 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 entry age for buying health insurance of 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.

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