HDFC ERGO Health Insurance Benefits
Cashless Approval TAT | 45 mins Cashless Claim Processing |
Claim Settlement Ratio | 100% |
Network Hospitals | 12,000+ |
PED Coverage Starting From | 3 year |
Special Benefits | 2X Cover from Day 1 |
Starting Premium | Rs. 1090/month |
Health Insurance Calculator
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HDFC ERGO Health Insurance Plan List
Optima Restore
Cover
5 Lakh
Cashless Hospital
9372
Starting From ₹ 1,391/month*
Optima secure
Cover
5 Lakh
Cashless Hospital
9372
Starting From ₹ 1,312/month*
Benefits of HDFC ERGO Health Insurance
HDFC Ergo is a general insurance company that operates through more than 120 branches across more than 106 cities of India. The 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 the 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 emergencyies.
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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.
Health Insurance Coverage Calculator
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- Individual
- Couple
- Family
- Parents
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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 benefits are subject to changes in Income Tax Act.
HDFC ERGO Health Insurance Top Up List
Name of Plan | Sum Insured | |
my: Health Medisure Super Top-upMin: 3 Months; Max: 65 Years | 3 Lakh | Check Premium |
Optima SuperMin: 91 Days; Max: 65 Years | 5 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.
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FAQ About HDFC ERGO Health Insurance
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What are the types of plans offered by HDFC Ergo?
HDFC Ergo offers 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.
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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 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 hospitalisation coverage, cashless claims, no sub-limits, tax benefits, day care procedures, domiciliary medical treatment, and others.
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How to apply for and buy health insurance plans offered by HDFC Ergo?
You can apply for and buy health insurance plans offered by HDFC Ergo online through 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 health insurance premium as the company allows flexible payment modes.
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Is there a limitation on entry age for buying health insurance plans offered by HDFC Ergo?
The entry age for children is 91 days. However, there is no maximum entry age for adults.
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What is the customer care number of HDFC Ergo?
The customer care number for HDFC Ergo is 022 6234 6234.