HDFC ERGO Health

17 reviews Rate This
Highlights
  • 4,650+ Network Hospitals
    Check in your City
  • 8,09,364 Policies Issued
  • 62.47% Incurred Claim Ratio
  • Lifelong Renewability
  • 84.08% Claim Settlement Ratio
  • 100% In-House Claim Settlement

About HDFC ERGO Health

Apollo Munich Health Insurance has now become HDFC ERGO Health Insurance Ltd. HDFC ERGO Health Insurance Company Ltd. ranks among top private sector health insurance companies in India. Founded on 8 August 2007 as a standalone health insurance provider, a joint venture between a pioneer in corporate healthcare in Asia, Apollo Hospitals and a health business segment of leading Germany-based reinsurance company Munich Re, Munich Health. In November 2019, Apollo Munich and HDFC Ergo merged together to bring world-class health care within the reach of every person. Besides, the insurance company has been associated with eminent partners in the country like Canara Bank, Citi Bank, Indian Overseas Bank, Axis Bank, and many others. 

Having its Central Processing Office in Gurugram, HDFC ERGO Health proposes a vast array of health insurance products, designed to meet healthcare requirements of individuals, families, expecting mothers, senior citizens, lifestyle diseases, critical illnesses, and corporate houses. This insurance company offers affordable and well-designed health insurance products that provide a wide coverage choice.

Key Highlights

  • No third-party involvement
  • 150+ offices across the country
  • An array of sum insured options
  • 4,650+ leading network hospitals
  • Pre-policy medical health check-ups
  • Cashless facilities in all network hospitals
  • Restore benefit, multiplier benefit and ‘Stay Active Benefit’

The mission of HDFC ERGO Health is to bring innovative Health Insurance and Wellness solutions that meet customers’ needs. Further, it’s committed to building an organisation on the principle of transparency, trust, and integrity. Compassionate, Accountable, Responsive and Expert are Customer Care Principles of HDFC ERGO Health.

HDFC ERGO Health has in store a number of health insurance products, including Optima Restore, Easy Health Floater Standard, Easy Health Floater Exclusive, Easy Health Floater Premium, Day2Day Care, Health Wallet. All these health insurance policies not only protect you and your family from the present and future spiraling healthcare expenses but also guide on the way to wellness for the long term.

HDFC ERGO Health Plan List

Name of PlanSum Insured
Optima RestoreMin: 91 Days, Max: 65 Years3 Lakh Get Quotes Now
Easy Health ExclusiveMin: 91 Days; Max: 65 Years3 Lakh Get Quotes Now
Easy Health PremiumMin: 91 Days; Max: 65 Years4 Lakh Get Quotes Now
Health WalletMin: 91 Days; Max: 65 Years3 Lakh Get Quotes Now
EnergyMin: 18 Years, Max: 65 Years2 Lakh Get Quotes Now
Dengue CareMin: 91 Days; Max: 65 Years50 Thousand Get Quotes Now
Easy Health Standard Min: 91 Days; Max: 65 Years1 Lakh Get Quotes Now
iCan CancerMin: 5 Years; Max: 65 Years5 Lakh Get Quotes Now
Optima VitalMin: 18 Years; Max: 65 Years1 Lakh Get Quotes Now
Optima SeniorMin: 61 Years; Max: No Limit 2 Lakh Get Quotes Now
Optima CashMin: 91 Days; Max: 65 Years1000/day Get Quotes Now
Maxima HealthMin: 91 Days; Max: 65 Years3 Lakh Get Quotes Now

HDFC ERGO Health Top Up List

Name of PlanSum Insured
Optima SuperMin: 91 Days; Max: 65 Years5 Lakh Get Quotes Now
Optima PlusMin: 91 Days; Max: 65 Years5 Lakh Get Quotes Now

Claim Process at HDFC ERGO Health

  • 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 at 1800-102-0333.
  • 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 1800-102-0333.

HDFC ERGO Health User Reviews

  • The perfect insurer!

    I am associated with HDFC ERGO Health, which is a trusted and renowned health insurance firm. It is the end of the search when it comes to health insurance plans. The insurer offers plans for individuals, families as well as senior citizens. It is equipped with every sort of benefit you may need during a medical emergency. 

     

    S
    On: Sep 24, 2019 | Views
  • Impressed with the services!

    The HDFC ERGO Health is a health insurance plan that is prompt in delivering the claim. When I went for the claim, the service was good. Also, they own a wide network of hospitals across the country. These factors make me a huge fan of the insurer. 

    A
    On: Sep 24, 2019 | Views
  • Kept the promise

    You kept your promise. Insurance claim process was done in less than 1 hour, and I got the claim for all my medical bills.  

    R
    On: Sep 14, 2019 | Views
  • Great coverage

    I wanted a health policy for diabetes, and HDFC ERGO Health's Energy plan was my saviour. It is one of the best plans for diabetics with great features and coverage options.

    a
    On: Aug 29, 2019 | Views
  • Team executives very helpful

    If anybody needs any health insurance plan, one should go for HDFC ERGO Health. It is the best! And buy it from InsuranceDekho, they have the most well-informed executives.

    G
    On: Aug 09, 2019 | Views
  • HDFC ERGO Health is quite good and affordable!

    I bought a senior citizen plan from HDFC ERGO Health for my mother and father. The company offers attractive coverage for senior people. The insurer also offer a discount on buying the policy for 2 year term. In short, HDFC ERGO Health is quite good and affordable. 

    R
    On: May 10, 2019 | Views
  • Outstanding Service

    I bought a family floater policy for my family from HDFC ERGO Health. The sum insured amount of my plan is Rs 10 Lakh and I got my first claim settled this year only and I found the HDFC ERGO Health team very prompt in delivery. I am very satisfied. 

    M
    On: May 08, 2019 | Views
  • HDFC ERGO Health is the best insurer

    I have been using HDFC ERGO Health's insurance policy for the past two years. I haven’t had a claim experience until now, but the medical coverage I have received is superb. Also, the customer support service of HDFC ERGO Health has been great. Thanks insurancedekho for recommending HDFC ERGO Health. 

    K
    On: May 07, 2019 | Views
  • I Recommend HDFC ERGO Health to Everyone

    I have a policy from HDFC ERGO Health for the last three years. Not only the coverage offered to me has been great, but the customer service too has been of superior quality. It has been a very good experience so far. I would recommend HDFC ERGO Health to all my friends and relatives.

    M
    On: May 03, 2019 | Views
  • Good experience with HDFC ERGO Health

    At present, I have Optima Restore plan, which I am very happy with. I must say that it is a perfect plan by HDFC ERGO Health. I have my full family covered with Optima Restore, but the premium is quiet less. Overall, my experience with HDFC ERGO Health has been a great one. Thanks insurancedekho for your recommendation!

    M
    On: May 02, 2019 | Views
  • HDFC ERGO Health is my favourite now

    HDFC ERGO Health is the most trustworthy insurers of all. The plan I have at present covers all the required medical expenditures. I am very happy with HDFC ERGO Health as I pay low premium but get high returns. Services are quick and the number of hospitals is good too. Highly recommended!

    A
    On: May 02, 2019 | Views
  • Extremely happy and satisfied

    I went for HDFC ERGO Health, following my friend’s suggestion. The health insurance plan that I currently have offers maximum coverage of expenditures at low premium. Also, the returns are great. The premium payment is simple and so is its claim settlement process. I would recommend HDFC ERGO Health to all! 

    M
    On: May 01, 2019 | Views
  • Outstanding service by HDFC ERGO Health

    I would like to thank HDFC ERGO Health's support staff. The customer care executives of the firm are calm, composed, qualified and helping. I had to buy a family plan and they provided me with the best assistance by clearing all my doubts related to the plan through prompt and detailed explanations. 

    B
    On: May 01, 2019 | Views
  • Nice policies by HDFC ERGO Health

    This is my first health insurance policy with HDFC ERGO Health. My previous experiences with health insurers have not been good. This time, I must say that the services I have been provided with are satisfying. The plan provides extensive coverage as well as lifelong renewability. Haven’t filed a claim yet, but the process seems simple too.

    S
    On: Apr 30, 2019 | Views
  • HDFC ERGO Health is definitely the best

    I had always heard a lot about HDFC ERGO Health and found it to be true. At present, I have HDFC ERGO Health's plan that has vast coverage. I have my entire family covered under the plan and that too, without paying high premium. The investment looks worthy as the services also are fast. Happy and satisfied!

    S
    On: Apr 29, 2019 | Views
  • I recommend HDFC ERGO Health to all.

    I own an individual plan of HDFC ERGO Health. The insurance policy acquire a lot of features that offer a great support to the insured individual at the time of medical emergency. The policyholders can also get a 100% raise in the sum insured after 2 claim free years. I recommend HDFC ERGO Health to all. 

    T
    On: Apr 29, 2019 | Views
  • Good health insurance

    HDFC ERGO Health is the best in the field without any doubt. I have HDFC ERGO Health's plan which has provided coverage for my entire family. I don’t have to pay a high premium. The benefits are multiple and the claim settlement process is simple too. HDFC ERGO Health can be definitely trusted with health insurance.

     

     

    S
    On: Apr 28, 2019 | Views

Latest HDFC ERGO Health News

HDFC ERGO Health Contact Details

Reach us for help anytime

HDFC ERGO Health FAQs

  • How long are the policies of HDFC ERGO Health valid for?

    The policies of HDFC ERGO Health are valid for one to two years depending on the policy you have purchased.

  • Is pre-policy medical check-up mandatory?

    No, the pre-policy medical checkup is not mandatory in all cases. It is subject to your age. For example, if you’re 60 or above, you may go for a pre-medical checkup at HDFC ERGO Health's designated clinics.

  • Who is a third-party administrator (TPA) of HDFC ERGO Health?

    HDFC ERGO Health has no TPA. It has its own in-house claim settlement team to handle retail policies. However, the claims of group plans are handled by Family Health Plan Limited (FHPL).

  • Does HDFC ERGO Health pay all medical expenses or only a share of the bill?

    HDFC ERGO Health pays only the medical bill expenses, subject to the terms of the policy. It doesn’t bear the expenses more than the sum assured by the policy. So, if the amount exceeds the sum insured, it is borne by the insured.

  • What types of medical expenses are covered by HDFC ERGO Health?

    All reasonable expenses related to inpatient hospitalisation, pre and post hospitalisation, ambulance costs, room rent, etc. are covered to the maximum cap of the sum assured.

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