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HDFC ERGO Health Insurance Benefits

HDFC ERGO Health Insurance comes under a general insurance company that operates through more than 120 branches across more than 106 cities in India. The HDFC ERGO health insurance company has been rated ‘iAAA’ by ICRA, indicating a high claim-paying capacity. Also, the company is ISO-certified for its efficiency in claim settlements, policy issuance, customer service, and standardization of security measures. The insurer offers a wide range of health insurance plans that offer comprehensive coverage to customers at an affordable premium. It has health insurance plans for all, individuals, families, senior citizens, women, kids, etc. The coverage features under these health plans vary but offer complete protection to the insured during health emergencies.

  • Additional Benefit of Free Health Check up

    Free health check-ups are allowed to insured members under the health plans offered by HDFC Ergo. These health check-ups are provided up to a limited amount and after 1-4 continuous policy years.
  • Additional Protection over Employer Coverage

    The health insurance plans offered by HDFC Ergo allow individuals to enhance their coverage under group health plans. If you have group health insurance provided by your employer, the coverage level and the benefits might be limited. But if you buy independent health plans offered by HDFC Ergo, you can add to your existing group plan and ensure better coverage.
  • Cashless Benefit

    The company promotes cashless claim settlements for its policies so that you do not have to take the financial burden of your health claims. HDFC Ergo has tied up with more than 10,000+ hospitals in India for providing cashless claims. The claims are pre-authorized within a mere 22 minutes so that you can avail cashless treatments without worrying about the heavy medical costs.
  • Claim Settlement Ratio

    Claim Settlement Ratio (CSR) is the number of claims settled by the insurance company against the total number of claims receied during a financial year. HDFC Ergo has settled most of its claims and has 86.52% CSR for the FY 2019-20. Note that the claim settlement ratio change from time to time.
  • Coverage against Medical Expenses

    Health insurance plans offered by HDFC Ergo have a wide scope of coverage wherein coverage is allowed for hospitalisation, ambulance costs, pre and post hospitalisation, day care procedures, domiciliary treatments, etc.
View More Questions

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Disclaimer : Actual Premium might vary basis your location, age and number of members

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

    9552

    Starting From 1,391/month*

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    5 Lakh

    Cashless Hospital

    9552

    Starting From 1,312/month*

Health Insurance Coverage Calculator

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Disclaimer : Actual Coverage might vary basis your location, age and number of members

Key Features of HDFC ERGO Critical Illness Insurance Policy

HDFC ERGO critical insurance comes with certain features. Key features of the plan are as follows:

  • Portability option
  • Cashless treatment
  • Lifelong renewability
  • No medical check-ups
  • In-house claim process

With the HDFC ERGO Critical Illness Policy, you can focus on treatment rather than being wary of draining your savings.

Tax Save
Save Tax upto ₹75000*
Under Section 80D

*Tax benefits are subject to changes in Income Tax Act.

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

Benefits of Renewing Health Insurance With HDFC Ergo General Insurance

On renewing the health insurance policy offered by HDFC Ergo General Insurance, you can avail of the following benefits:

  • Continued coverage against healthcare expenses
  • Portability benefit
  • Flexibility to add a family member(s)
  • Option to increase or decrease the sum insured
  • Tax benefits under Section 80D of the Income Tax Act, 1961.

Health Insurance News

FAQ About HDFC ERGO Health Insurance

  • 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 www.hdfcergo.com or through www.insurancedekho.com. 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.

HDFC ERGO Health Insurance User Reviews

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What users are saying
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  • I've had the pleasure of interacting with InsuranceDekho's customer care team, and they're top-notch. They gui...

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    P
    HDFC ERGO
    By Pooja Sharma
    On: Mar 14, 2024
  • Renewing my HDFC ERGO Health Insurance Plan with InsuranceDekho is a straightforward process. They send timely...

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    V
    HDFC ERGO
    By Varsha Nagpal
    On: Mar 13, 2024
  • A list of good health insurance plans may be found on the InsuranceDekho website. I chose the HDFC ERGO Health...

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    A
    HDFC ERGO
    By Ananya Sharma
    On: Mar 04, 2024
  • InsuranceDekho is an amazing platform for buying health insurance plans. The customer team was very helpful, t...

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    HDFC ERGO
    By Sumit kumar
    On: Jan 25, 2024
  • I am very grateful to the InsuranceDekho team for providing and helping me with the HDFC health insurance poli...

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    HDFC ERGO
    By Dayanand Sharma
    On: Dec 04, 2023

Network Hospital in Popular Cities

CityNo of Hospital
Lucknow114
Chennai298
Pune299
Ahmedabad266
Indore73
Ghaziabad87
Patna64
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