Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Claim, renew, manage & moreLogin

HDFC ERGO Health Insurance Benefits

494 reviews Rate This
Highlights
Cashless Approval TAT45 mins Cashless Claim Processing
Claim Settlement Ratio100%
Network Hospitals12,000+
PED Coverage Starting From3 year
Special Benefits2X Cover from Day 1
Starting Premium Rs. 1090/month

Health Insurance Calculator

Whom do you want the insurance for ?

You
Couple
Family
Father
Mother

Select the age of all members

  • You

Where do you live ?

Choose required Coverage for yourself?

2 Lac
3 Lac
5 Lac
10 Lac
25 Lac
Disclaimer : Actual Premium might vary basis your location, age and number of members

HDFC ERGO Health Insurance Plan List

  • Cover

    5 Lakh

    Cashless Hospital

    9372

    Starting From 1,391/month*

  • 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.

  • 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

Health Insurance Coverage Calculator

Who do you want to insured ?

  • Individual
  • Couple
  • Family
  • Parents

Age of eldest insured member ?

Where do you live ?

Metro
Non-Metro
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.

Save Tax upto ₹75000*
Under Section 80D

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

HDFC ERGO Health Insurance Top Up List

    Name of PlanSum Insured
    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.

    Choose HDFC ERGO Critical Illness Plan

    HDFC ERGO Health Insurance User Reviews

    Write your review
    What users are saying
    • All
    • Price
    • Helpful
    • Network Hospitals
    • Claim
    • Renew
    • Premium
    • Top up
    • Critical Illness
    Must BuyMust Buy

    Why to Buy Health Insurance Policy Online from InsuranceDekho

    • Tax benefit upto 75,000*
    • Claim support everyday 10AM-7PM
    • 50 Lacs+ happy customers

    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.

    3624 HDFC ERGO Cashless Network Hospitals in India

    Insurance Products by HDFC ERGO General Insurance

    Best Insurance Advisors in Your City.

    FAQ About HDFC ERGO Health Insurance

    • 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. 

       

    • 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.

       

    • 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.

       

    • 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.

    • What is the customer care number of HDFC Ergo?

      The customer care number for HDFC Ergo is 022 6234 6234.

    Latest Health Insurance Articles

    Network Hospital in Popular Cities

    CityNo of Hospital
    Mumbai281
    Gurgaon100
    Lucknow114
    Chennai298
    Pune299
    Ahmedabad266
    Indore73
    View All