HDFC ERGO Health Insurance

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  • 9000+ hospital network
    Check in your City
  • 654375 policies issued
  • 70% claim settlement ratio
  • Tax benefits under section 80D
  • Lifelong renewability
  • No restrictions on entry age


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 PlanSum Insured
Health SurakshaMinimum: 91 days Maximum: No limit2 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 Bar1 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.

HDFC ERGO Health Insurance User Reviews

  • 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. 

    Anita Rana
    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. 

    Tapas Ganguly
    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 and also provided me good discounts on the family floater plan. I give it 5 on 5 stars.

    Rajeev Shukla
    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.

    Gopa Ganguly
    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.

    Sanjeev Aggarwal
    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.

    Nisha Prakash Mirchandani
    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.

    Alka Jain
    On: Apr 30, 2019 | Views

Latest HDFC ERGO Health Insurance News

HDFC ERGO Health Insurance Contact Details

Reach us for help anytime
  • 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 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 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.

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