HDFC ERGO Health Insurance Benefits

HDFC ERGO Health Insurance

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Network Hospitals10,000+
Policies Sold10,66,395
Lifelong Renewability Lifelong Renewability
Claim Settlement Ratio83.66%
In-House Claim Settlement100%
COVID-19 CoverYes

Benefits of HDFC ERGO Health Insurance

HDFC ERGO is a general insurance company which has been formed as a joint venture between two known groups – HDFC Limited and ERGO International AG. While HDFC Limited is a leading financial services company in India, ERGO International AG is the main insurance arm of the Munich Re Group. Thus, HDFC ERGO has the backing of two reputed financial services company making it a name to reckon with.

It has been more than 15 years since the company was established and today the company operates through more than 120 branches across more than 106 cities of India. The company has been rated ‘iAAA’ by ICRA which shows that the company has a high claim paying capacity. Moreover, the company is also ISO certified for its efficiency in claim settlements, policy issuance, customer service and standardization of security measures. 

HDFC ERGO not only offers health insurance plans but also other types of general insurance plans like motor insurance, travel insurance, home insurance, etc. The health plans of the company varies and provide good coverage. 

  • 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 don’t 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 Settement Ratio

    Claim settlement ratio means the number of claims settled by the insurance company against the total number of claims made on it. HDFC ERGO has settled most of its claims and has 98%* claim settlement ratio. *The claim settlement ratio change from time to time.
  • Coverage against Medical Expenses

    HDFC ERGO’s health plans have a wide scope of coverage wherein coverage is allowed for hospitalisation, ambulance costs, pre and post hospitalisation, day care procedures, domiciliary treatments, etc.
  • Incurred Claim Ratio

    Incurred Claim Ratio (ICR) measures the company’s profitability as it is the ratio between the claims paid vis-à-vis the premiums earned. HDFC ERGO’s ICR for the financial year 2018-19 stood at 62%* showing that the company had enough margins of profit for a stable financial position. *The incurred claim ratio change from time to time.
  • Tax Benefit

    If you buy health insurance and pay premiums, you can claim a tax deduction under Section 80D. this section of the Income Tax Act allows deductions for up to Rs. 55,000 (Rs. 25,000 for individual and Rs. 30,000 for senior citizen) including the premiums paid for your parents’ policy.

HDFC ERGO Health Insurance Plan List

Name of PlanSum Insured
Critical Illness PlanMin: 5 Years; Max: 65 Years 5 Lakh Get Quotes Now
my: health SurakshaMin: 91 Days; Max: No Limit3 Lakh Get Quotes Now
my:Health Medisure ClassicMin: 3 Months; Max: No Limit1 Lakh Get Quotes Now
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years1 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
my: Health Medisure Super Top-upMin: 3 Months; Max: 65 Years3 Lakh Get Quotes Now

HDFC ERGO Health Insurance User Reviews

What users are saying
  • Great purchase experience

    I have bought this Arogya Sanjeevani health insurance plan recently from InsuranceDekho platform. I was also t...

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    Arogya Sanjeevani Policy
    By Disha Rana
    On: Jun 09, 2020
  • Fantastic policy for family

    The Arogya Sanjeevani Plan is a plan that gives complete protection to my family. It covers my wife, kids and ...

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    Arogya Sanjeevani Policy
    By Vikas Seth
    On: Jun 06, 2020
  • Good insurer.

    My friend suggested me to go for HDFC Ergo for my health insurance needs. And I got in touch with InsuranceDek...

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    Arogya Sanjeevani Policy
    By Nisha Nangia
    On: Apr 14, 2020
  • Superb plan.

    This policy covers my entire family and gives me the required coverage at an affordable premium. I liked this ...

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    Arogya Sanjeevani Policy
    By Sanya Mehra
    On: Apr 13, 2020
  • Easy to understand

    The Arogya Sanjeevani Policy, HDFC Ergo is very easy to understand. All I did was visit the InsuranceDekho&rsq...

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    Arogya Sanjeevani Policy
    By Dhriti Rajpurohit
    On: Apr 12, 2020
  • Low premium rate

    It has been 5-6 months that i bought this policy by hdfc ergo. I must tell you that at very less premium rate,...

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    my: health Suraksha
    By Gaurav Bisht
    On: Feb 25, 2020
  • Good health investment

    I would like to express my thanks to you insurancedekho team for suggesting such a good plan. This policy is p...

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    my:Health Medisure Classic
    By Varun Goel
    On: Feb 25, 2020
  • Good financial security

    I will say that this policy according to me is a good financial security for people with risk of critical illn...

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    Critical Illness Plan
    By Gurvinder Kaur
    On: Feb 24, 2020
  • Good additional plan

    my: Health Medisure Super Top Up is great because it works along with a current health insurance policy. I fou...

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    my: Health Medisure Super Top-up
    By Kavita Rani
    On: Feb 24, 2020
  • Nice investment

    My:health Suraksha has been a good purchase for me. This health insurance policy comes with lifetime renewabil...

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    my: health Suraksha
    By Jai Pratap
    On: Feb 21, 2020

HDFC ERGO Health Insurance Contact Details

Reach us for help anytime

HDFC ERGO Health Insurance FAQs

  • What are the types of plans offered by HDFC ERGO?

    You can choose from Individual Health Insurance, Family Health Insurance, Parents Health Insurance, Senior Citizens Health Insurance, Critical Illness Insurance, and my:health Medisure Super Top-up as per your insurance needs.

  • Why should I buy HDFC ERGO health insurance policy?

    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 HDFC ERGO health insurance policy online?

    You can apply for and buy HDFC ERGO health insurance policies online through HDFC ERGO’s website or through Remember, you can make use of net banking, debit card, or credit car to pay the health insurance premium as the company allows flexible payment modes.

  • Is there a limitation on entry age for buying health insurance of HDFC ERGO?

    The entry age for children is 91 days. However, there is no maximum entry age for adults.

  • What is the toll free customer care number of HDFC ERGO?

    The customer service number for HDFC ERGO is 022 6234 6234.

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