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HDFC ERGO Health Insurance

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HDFC ERGO Health Insurance
Cashless Approval TAT45 mins Cashless Claim Processing
Claim Settlement Ratio100%
Network Hospitals12,000+
PED Coverage Starting From3 year
Special Benefits2X Cover from Day 1
Starting Premium Rs. 1090/month

Founded in the year 2002, HDFC ERGO General Insurance Company Limited offers a variety of general insurance products from health, travel, car, and bike, to personal accident in the retail space and customised products like property, liability, and marine insurance in the corporate space. With over 1.5 crore customers, the company is a joint venture between HDFC and ERGO International AG and is headquartered in Mumbai, Maharashtra. [1] The health insurance company has over 9700 employees across India. [2]

About HDFC ERGO Health Insurance

With 200+ branches across 170+ Indian cities [3], HDFC ERGO General Insurance settles 1 claim per minute and has maintained an exceptional claim settlement ratio of 95% in the year 2023 [4] The company has health insurance plans ranging from base plan to critical illness and cancer care plans, specially curated plans for women, families and senior citizens. [5] HDFC ERGO’s first-of-its-kind feature in India of giving 2x coverage from day 1 on the base cover you opt for (instantly after purchase in a plan like Optima Secure) makes it an attractive insurance buying option. [6]

Key Features

Here are some key features of HDFC ERGO Health Insurance:

  • 2X Cover from Day 1: Get 2 times cover on your plan from day 1 of taking the health insurance with HDFC ERGO Health Insurance. This is valid on a plan like Optima Secure.
  • Stay Active Benefit: On plans like Optima Restore and My Health Suraksha, HDFC ERGO provides benefits like staying active. which encourages you to take 10,000 steps on average every day to avail an 8% discount on your policy amount. [7]
  • Lifelong Renewability: HDFC ERGO provides lifelong renewability of their insurance policy. This means you can renew coverage without re-qualifying for a new policy
  • No Sub-limit on Room Rent: There is no sub-limit on room rent during hospitalisation with an HDFC ERGO health insurance
  • No Claim Bonus: HDFC ERGO health insurance offers a no-claim bonus for each claim-free year
  • Renewal Benefit: The company offers a free health check-up within 60 days of policy renewal.
  • Easy Instalment Benefits: Valid only for at least one-year policyholders, you can now purchase HDFC Optima Secure using easy monthly, quarterly or half-yearly installments

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Key Metrics 

Here are the key metrics for HDFC ERGO General Insurance:

Key Metrics


Claim Settlement Ratio (FY 2022-23)


Solvency Ratio (July 2023)


Lives Covered

1.5 Crore+

Launch Year


*The percentage of claims settled by an insurance company relative to the total number of claims received is known as the Claim Settlement Ratio (CSR). Any company with a CSR of 85% or above is considered good to buy insurance from.

*The solvency ratio [8] is a financial indicator that measures a company's ability to meet its long-term debt obligations and signifies its financial stability. Any company having a solvency ratio >1.5 is considered to be good to buy insurance from.

*Life covered here refers to the number of people insured and the data is sourced from HDFC ERGO Health Insurance official website [9]

HDFC ERGO Health Insurance Plan List

  • Individual (1)
  • Family (2)
  • Woman (2)
  • Parents (2)
  • Blood Pressure (2)
  • Kids (2)
  • Thyroid (2)
  • Diabetes (2)
  • Cover

    5 Lakh

    Cashless Hospital


    Starting From 1,391/month*

  • Cover

    5 Lakh

    Cashless Hospital


    Starting From 1,312/month*

Eligibility to Purchase HDFC ERGO Health Insurance Plan

The eligibility age for purchasing a health insurance plan from HDFC ERGO depends on whether it is an individual health insurance plan or a family floater plan.

  • For individuals, the minimum age must be 18 years to no maximum age limit
  • For family floater plans, the minimum age is 91 days up to 25 years for children and a minimum of 18 years to a maximum of 65 years for adults

HDFC ERGO Health Insurance Top Up List

  • Top-up (4)
  • Family (1)
  • Individual (1)
Name of PlanSum Insured
Optima PlusMin: 91 Days; Max: 65 Years5 Lakh Check Premium
my: Health Medisure Super Top-upMin: 3 Months; Max: 65 Years3 Lakh Check Premium
Optima SuperMin: 91 Days; Max: 65 Years5 Lakh Check Premium

Top plans offered by HDFC ERGO Health Insurance

Here are the top 4 plans offered by HDFC ERGO Health Insurance Limited:


Plan Type

Sum Insured

Ideally Suited For

Optima Secure

Individual and family floater plan

Rs. 5 lakh to 2 Crore


Optima Restore

Individual and family floater plan

Rs. 3 lakh to 50 lakh


HDFC Energy


Rs. 2 lakh to 50 lakh

Diabetic Patients

My Health Suraksha

Individual and family floater plan

Rs. 3 lakh to 75 lakh


Riders Offered by HDFC ERGO Health Insurance

Top HDFC ERGO riders are listed below:

    • Critical Illness Rider: By taking a critical illness rider you can avail a lump sum payout in case you are diagnosed with any critical illness like diabetes, cancer, etc
    • Hospital Cast Rider: You can receive a fixed daily cash allowance from the insurer for a specific number of days. HDFC ERGO offers this rider in case of emergency hospitalisation with plans like Optima Secure.
    • Out-Patient Department (OPD) Rider: You can opt for an OPD rider from HDFC ERGO and avail coverage for doctor consultation fees, diagnostic tests, medicine bills, etc
    • Unlimited Restore: In plans like Optima Restore get instant addition of 100% basic sum insured on complete or partial utilisation of your sum insured rebound. [10].
    • Room Rent Waiver Rider: With this rider on your HDFC ERGO Health Insurance Plan, you can waive the price differences on your room rent and choose a room of your choice peacefully

*Kindly note that you can include any rider in your plan by paying an extra premium. The specific riders available may vary based on the plan you select.

How to Purchase HDFC ERGO Health Insurance Policy?

HDFC ERGO Health Insurance offers the convenience of both Online and Offline methods for purchasing insurance policies. This provides customers with flexibility in choosing their preferred mode of purchasing the medical insurance plan.

Purchase Health Insurance Policy Via InsuranceDekho

Steps for Purchasing HDFC ERGO Health Insurance Policy with InsuranceDekho Online:

Follow the steps mentioned below to obtain HDFC ERGO health insurance through InsuranceDekho:

Step 1: Enter Your Details

Start by visiting the health homepage of InsuranceDekho. You can even initiate by completing the form on this page. Enter the required details, such as your name, contact number, etc.

Step 2: Compare Health Plans

Select the most suitable health insurance plan for yourself and your family based on the information you provided in the form.

Step 3: Confirm Online Payment

Furnish the necessary details in Proposal Form 1, answer two health-related questions in Proposal Form 2, submit your KYC, and proceed to complete the online payment.

Purchase HDFC ERGO Health Insurance Policy with Complete Assistance from InsuranceDekho

Step 1: Enter your details on InsuranceDekho’s website

You can visit and enter your basic details such as mobile number, age, pin-code

Step 2: Compare Health Plans

Based on your response, the best eligible plans as per your customer profile will be recommended and shown to you on the plan page

Step 3: Schedule a callback

You can schedule a call back by updating the enquiry on the plan page on our website

Step 4: Connect with an InsuranceDekho Advisor

After you have clicked on a callback, an InsuranceDekho advisor will call you at your preferred time and then assist you over call via IRDAI certified AV advisor. If required we will send our expert to your home for free further assistance in filling out the form or in case you have any further queries.

Purchase HDFC ERGO Insurance Policy From Insurer’s Website

Step 1: Go to the HDFC ERGO Website

Visit the official HDFC ERGO website.

Step 2: Choose Health Insurance

Click on the "Buy" option and select "Health Insurance" from the provided list of options.

Step 3: Enter Required Details

On the next page, complete the necessary information, including the plan type, sum insured, pin code, and mobile number.

Step 4: Check the Available Plans

Click on "View Plans" to see the list of HDFC ERGO health insurance plans tailored to your specified needs and preferences.

Step 5: Opt for the Right Plan

Choose the most suitable HDFC ERGO medical insurance plan from the available options.

Step 6: Make the Premium Payment

Proceed to make the premium payment of the chosen health insurance plan.

Upon successful payment, you will receive confirmation of your HDFC ERGO medical insurance purchase.

Benefits of Purchasing Your Policy from InsuranceDekho

  • At InsuranceDekho, we provide dual claim assistance combining support from insurers and ourselves to facilitate seamless claim settlements

  • We support you in obtaining priority approvals from insurers

  • We assist you with policy renewal & any kind of policy modification such as name, address, etc

  • We provide unbiased advice on insurance plans derived from thorough industry analysis

Documents Required for Purchasing Your Policy

When applying for HDFC ERGO Health Insurance, the following documents are necessary:

  • A copy proposal form or OTP verification
  • Proof of age, which can be validated through documents such as Voter ID, PAN card, Aadhaar Card, Driver's License, or Passport
  • Address verification, supported by documents like a Ration card, Driver's Licence, Passport, Rent agreement (if applicable), PAN Card, Aadhaar Card, or utility bills
  • Passport-size photographs
  • Medical reports may also be required for a comprehensive assessment.

How to Claim Your Health Insurance?

For availing the coverage under “Cashless Everywhere”[11] with HDFC ERGO Health Insurance make sure you inform the customer team within 24 hours in case of an emergency hospitalisation and at least 3 days in advance for a planned hospitalisation.

Note that the General Insurance Council has highlighted the importance of complying with the terms and conditions of your insurer as per your health insurance policy. The availability of cashless facilities will also be subject to the guidelines of the insurer.

Do check HDFC ERGO’s list of blacklisted and excluded hospitals [12] before selecting one for your treatment. In case of an emergency, prepare your policy document to see the process of making a claim.

Get your HDFC ERGO Health Insurance claim settled faster with InsuranceDekho

Awards and Achievements of HDFC ERGO Health Insurance

  • For Cyber Insurance and Optima Secure Health Insurance - BFSI Leadership Awards 2022
  • For Best Covid Strategy Implemented: Customer Experience - ETBFSI Excellence Awards 2021
  • For Claims and Customer Service Excellence: FICCI Insurance Industry Awards September 2021.

HDFC ERGO Health Insurance - Customer Service & Support

HDFC ERGO Customer Support can be reached through various channels for different inquiries [13]:

  • To initiate contact via WhatsApp, simply send a message saying "Hi" to the dedicated number 8169500500.
  • For assistance with claims, policy renewals, or any queries related to existing policies, you can connect with the customer support team at 02262346234
  • To purchase a new policy, please call 02262426242
  • If you need to address network hospital issues, you can reach out via email at
  • For matters related to authorisations, email
  • If you prefer in-person assistance, the HDFC ERGO office in Noida is located on the 5th floor, Tower 1, Stellar IT Park, C-25, Sector-62, Noida, UP, India - 201301.

To connect with an InsuranceDekho relationship manager you can call on +91-7551196989 to get your queries solved faster

Complaints & Grievance Redressal

For HDFC ERGO's grievance redressal, you can quickly get in touch with their dedicated support. Dial 022-6234 6234 to reach their customer service via phone. Alternatively, you can address your concerns by emailing them at [14]

To get your complaints and grievances addressed promptly, mail InsuranceDekho at or visit here for more details:



Health Insurance News


  • What are the types of plans offered by HDFC Ergo?

    HDFC Ergo best health insurance plans involve individual health insurance plans, family health insurance plans, parents health insurance plans, senior citizen health insurance plans, critical illness insurance plans, and a super top-up insurance plan.

  • Why should I buy health insurance by HDFC Ergo?

    HDFC Ergo helps its customers ‘Take it easy. Experience the convenience.' To ensure the same, the company offers HDFC Ergo best health insurance plans that are specifically designed keeping the diverse health insurance needs of customers in mind. Moreover, HDFC health insurance policy 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 health insurance plans offered by HDFC Ergo?

    You can apply for and buy HDFC Medical Insurance plans online through the HDFC Ergo website or through Remember, you can make use of net banking, debit card, or credit card to pay the premium of HDFC health insurance policy as the company allows flexible payment modes. 

  • Is there a limitation on the entry age for buying HDFC medical insurance plans?

    The entry age for children is 91 days. However, there is no maximum entry age for adults to buy HDFC Ergo health insurance plans.

  • What is the customer care number of HDFC Ergo?

    The customer care number for HDFC Ergo is 022 6234 6234.

User Reviews

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What users are saying
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    In all honesty, my choice of HDFC Optima Secure Health Insurance proved to be a lifesaver. It provided me with immediate assistance by paying for my unforeseen hospital bills. The procedure went smoothly, and InsuranceDekho's assistance was first-rate. I urge everyone to purchase it!

    By Kanishka Gupta
    On: May 21, 2024
  • Perfect Policy

    HDFC ERGO Health Insurance Plan is the most suitable health insurance policy. I learned about this health insurance plan during my online search at InsuranceDekho’s website. It comes at an affordable premium. I bought it without any delay. Recommend this health policy to everyone! Thank You

    By Simrat Kaur
    On: Apr 02, 2024
  • Affordable Policy

    My HDFC ERGO Health Insurance Plan is an affordable policy that covers me for major healthcare expenses. I bought the health policy after discussing my requirements with the experts at InsuranceDekho and I am thankful to the customer support team for suggesting me the best health insurance policy. Thank You!

    By Manoj Kumar
    On: Mar 21, 2024
  • Compared all the plans easily

    I visited the website of InsuranceDekho, where I compared so many health insurance plans and policies. The comparison is very easy as there is a feature on the website which compares the price itself. I was totally satisfied with it and purchased the HDFC ERGO Health Insurance Plan.

    By Ashutosh Yadav
    On: Mar 19, 2024
  • Top-Notch Support Team

    I've had the pleasure of interacting with InsuranceDekho's customer care team, and they're top-notch. They guided me through the health insurance selection process to buy the HDFC ERGO Health Insurance Plan for my parents and made it a breeze. Thank you InsuranceDekho team.

    By Pooja Sharma
    On: Mar 14, 2024