HDFC ERGO Health Insurance Benefits

HDFC ERGO Health Insurance

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Network Hospitals10,000+
Policies Sold10,63,052
Incurred Claim Ratio63%
Lifelong RenewabilityLifelong
Claim Settlement Ratio84.08%
In-House Claim Settlement100%
COVID-19 CoverYes

Benefits of HDFC ERGO Health Insurance

HDFC ERGO Health Insurance Company (formerly known as Apollo Munich Health Insurance) is a standalone health insurance company, which offers health insurance, and personal accident insurance plans to its customers. 

The insurance company offers an array of health insurance solutions and ensures adequate financial help at the time of emergency. Whether you are searching for health insurance for yourself, your spouse, parents, senior citizens, or even your children,  HDFC ERGO Health Insurance can be a one-stop solution. The insurer has also plans for lifestyle diseases, critical illness, and corporate houses.

Besides the innovative iCan and Dengue Care insurance products, HDFC ERGO Health Insurance has a range of health insurance plans of every type so that all your health insurance needs can be fulfilled.

  • Additional Benefit of Free Health Check up

    Whether it is annually or once in 2-4 policy years, HDFC ERGO Health Insurance plans allow insured members to undergo free health check-ups so that early signs of ailments and diseases can be effectively managed.
  • Additional Protection over Employer Coverage

    HDFC ERGO Health Insurance lets you increase the coverage available under your employer’s sponsored health insurance plan. If you are a salaried employee and have a group health cover, the cover might not be sufficient. But, through HDFC ERGO Health Insurance plans you can build up your coverage level and make it comprehensive at very affordable premiums.
  • Cashless Benefit

    More than 10,000 hospitals across India are tied-up with HDFC ERGO Health Insurance for providing cashless claim settlements. The in-house claim department of the company ensures that your claims are settled quickly and easily. The company has also developed a HealthJinn App through which you can get your e-health card, find the list of cashless hospitals and get the claim approved within the shortest possible time.
  • Claim Settement Ratio

    Ever since the company was formed, it has settled more than Rs. 4000 Crore in claims. 90% of cashless claim authorization is done within 2 hours and 95% of the claims have been settled by the company within 30 days of claim intimation. Thus, the claim settlement ratio of HDFC ERGO Health Insurance (Apollo Munich) is quite high giving policyholders the surety that their claims would be settled.
  • Coverage against Medical Expenses

    HDFC ERGO Health Insurance (formaly known as Apollo Munich) plans have a wide range of coverage benefit right from pre-hospitalisation to inpatient hospitalisation and also after being discharged. Day care treatments which do not require 24 hour hospitalisation are also covered along with domiciliary treatment, maternity benefits, AYUSH treatments, etc.
  • Incurred Claim Ratio

    Incurred Claim Ratio (ICR) shows the percentage of premiums used by the company to pay claims presented in a year. For 2018-19, HDFC ERGO Health Insurance (previously known as Apollo Munich) had a ICR of 63%* which was comfortable enough to ensure that the company retained premiums for meeting its expenses easily. *The incurred claim ratio change from time to time.
  • Tax Benefit

    Premiums paid for health plans qualify for tax deduction under Section 80D of the Income Tax Act. HDFC ERGO Health Insurance plans also allow this tax benefit on the premiums paid for up to a maximum of Rs. 55,000 (Rs. 25,000 for individual and Rs. 30,000 for senior citizen).

HDFC ERGO Health Insurance 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
Arogya Sanjeevani PolicyMin: 3 Months; Max: 65 Years 1 Lakh - 5 Lakh Get Quotes Now
Corona Kavach PolicyMin: 1 day; Max: 65 years50,000 - 5 lakh Get Quotes Now

HDFC ERGO Health Insurance 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

HDFC ERGO Health Insurance User Reviews

What users are saying
  • Prasad

    Excellent policy.

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    Corona Kavach Policy
    By Konalaprasad
    On: Aug 02, 2020
  • A reliable choice

    The InsuranceDekho platform is quite a reliable choice for all the customers seeking insurance plans. It helpe...

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    Arogya Sanjeevani Policy
    By Aniket Verma
    On: Jun 18, 2020
  • Value for money product

    This Arogya Sanjeevani Plan is an amazing health insurance coverage offered by United India Insurance Company....

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    Arogya Sanjeevani Policy
    By Umesh Rawat
    On: Jun 16, 2020
  • The best a family can get

    The Arogya Sanjeevani policy by HDFC ERGO Health is a plan that every family deserves. It has provided me and ...

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    Arogya Sanjeevani Policy
    By Rahul Lamba
    On: Jun 13, 2020
  • User-friendly platform

    InsuranceDekho is a user-friendly insurance platform that helped me find this Arogya Sanjeevani Policy. The in...

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    Arogya Sanjeevani Policy
    By Sumit Kumar
    On: Jun 12, 2020
  • Extensive coverage available

    The InsuranceDekho team offered me this plan for my family as it has got high coverage options that include en...

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    Arogya Sanjeevani Policy
    By Jatin Saxena
    On: Jun 02, 2020
  • Highly Satisfied

    Care Freedom health insurance plan has designed this plan in accordance to the requirements of senior citizens...

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    Care Freedom
    By Bijendra Singh Rawat
    On: Feb 28, 2020
  • Committed and Prompt!!

    This is one of the greatest plan available in the market for senior people. I am happy to witness the commitme...

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    Care Freedom
    By Naresh Verma
    On: Feb 28, 2020
  • Decent and affordable scheme.

    I found this scheme very easy to use and affordable to bear. I am using this plan for more than 2 years and mu...

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    Optima Senior
    By Vishank Agnihotri
    On: Feb 20, 2020
  • Great top-up plan!

    This top up plan has been a perfect solution to all my problems. There are many benefits under this plan that ...

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    Optima Super
    By Jaikishan Singh
    On: Feb 17, 2020

HDFC ERGO Health Insurance Contact Details

Reach us for help anytime

HDFC ERGO Health Insurance FAQs

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

    The policies of HDFC ERGO Health Insurance 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 designated clinics of HDFC ERGO Health Insurance.

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

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

    HDFC ERGO Health Insurance (formerly known as Apollo Munich Health Insurance) 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 Insurance?

    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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