HDFC ERGO Health Insurance Plans

HDFC ERGO Health Insurance

312 reviews Rate This

Highlights

10,000+ Network Hospitals

10,63,052 Policies Issued

63% Incurred Claim Ratio

Lifelong Renewability

84.08% Claim Settlement Ratio

100% In-House Claim Settlement

Coronavirus (COVID-19) Cover

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 User Reviews

What users are saying
  • Prasad

    Excellent policy.

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    K
    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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    A
    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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    U
    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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    R
    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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    S
    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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    J
    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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    B
    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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    N
    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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    V
    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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    J
    Optima Super
    By Jaikishan Singh
    On: Feb 17, 2020

Latest HDFC ERGO Health Insurance News

HDFC ERGO Health Insurance Contact Details

Reach us for help anytime

Claim Process at HDFC ERGO Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

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.