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 upFree 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 CoverageThe 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 BenefitThe 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 RatioClaim 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 ExpensesHDFC 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 RatioIncurred 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 BenefitIf 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 Plan||Sum Insured|
|Critical Illness PlanMin: 5 Years; Max: 65 Years||5 Lakh||Get Quotes Now|
|my: health SurakshaMin: 91 Days; Max: No Limit||3 Lakh||Get Quotes Now|
|my:Health Medisure ClassicMin: 3 Months; Max: No Limit||1 Lakh||Get Quotes Now|
|Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years||1 Lakh - 5 Lakh||Get Quotes Now|
HDFC ERGO Health Insurance User Reviews
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I am very happy with the services of InsuranceDekho as they issued me the policy within a few minutes. Their interface is very easy and I was able to ...Read More
Best Health Insurance Company
I love HDFC GROUP and my HDFC Ergo insurance plan.
Thanks insurancedekho for help with this plan
This is my first insurance with hdfc ergo. The plan is really good whether i talk about coverage benefits or claim process or premium. Add-on benefits...Read More
Critical illnesses covered at low cost
I am so relieved that my search for a low cost critical illness is finally over. Thanks insurancedekho guys that you suggested this reliable plan to m...Read More
Good number of network hospitals by hdfc
I had made the decision of choosing hdfc ergo as my insurer a long time ago. But, after having a word with insurancedekho team i was confirmed about m...Read More
No third party involvement with hdfc ergo
I have found hdfc ergo health insurance the best one in the market. The insurer gives great plan options. The best part is that there is no involvemen...Read More
Good plan for handling medical expenses
Health suraksha is my first insurance with hdfc ergo. I want to thank insurancedekho for recommending this affordable plan with so many benefits to me...Read More
Plan with good in-built benefits and add-ons
It has been around 19 days that i have purchased this policy. Wide health cover, smooth services, low premium amount are the benefits that increase th...Read More
Excellent plan by excellent insurance company
I am a new customer of this policy. This policy gives wide sum insured range, low premium, and basic coverage features. The other benefits that ...Read More
Great experience with this hdfc policy
I have had a superb experience with this super top up policy. Not even once i failed any sort of problem buying this plan nor claiming it. Moreover, i...Read More
Excellent policy by hdfc ergo health insurance
Insurancedekho, i am so thankful to you that you suggested me this cover. This policy is great in terms of cover, comes with lifelong renewability at ...Read More
Promises wide cover and ultimate medical services
Hdfc ergo’s my:health medisure classic plan is superb. I liked all its features, especially the cover for maternity expenses along with the cove...Read More
Finally i got a good critical illness cover
The best thing i did to secure my financial stability was to buy this plan. One of the best plans by hdfc ergo, critical illness plan offers a lump su...Read More
Health suraksha plan is my real support
Being the only earning member of the family i have to bear all financial expenses. Choosing this plan to secure my family was my best decision. I was ...Read More
My:health suraksha is the real investment
I am thankful to insurancedekho people for recommending this plan to me. I finally have a plan that is affordable and covers me for a lot of expenses....Read More
Finally a good plan after bad experience
This plan is one of the best plans i have ever purchased. After previous bad experiences of health insurance, it was very hard for me to choose a plan...Read More
My:health medisure classic is reliable plan
All thanks to InsuranceDekho guys, i am able to relax. All my financial concerns are gone because of this one plan. I must say that all the features a...Read More
Health suraksha is the perfect suraksha
I am satisfied with my health suraksha cover. For a less premium amount, i am covered for multiple medical expenses. The best part is that my whole fa...Read More
Critical Illness Plan experience was great
I recently filed a claim. I must appreciate hdfc ergo for making a plan that gave me a lump sum amount for dealing with medical expenses. I was succes...Read More
My search for critical illness plan is over
I am thankful to insurancedekho guys for recommending this plan. Now, i am tension-free. This plan has covered me for 15 critical illness at a low pre...Read More
Ideal health cover for critical illness
It has been a few months since i bought this cover. Must say that i am satisfied with the plan. Cover for 15 critical illnesses, lump sum amount on di...Read More
Health Medisure Classic is extremely satisfactory
It has been a year since i purchased this policy. I have not made a claim till today. However, up to now i have found the plan to be affordable, simpl...Read More
Health Suraksha is a satisfactory plan
I have Health Suraksha from past 2 years. Must say that i am happy with the coverage and premium. I have made a claim once and the process was simple ...Read More
Critical illness plan by HDFC ERGO is great
First of all, thanks InsuranceDekho for suggesting this plan. I am content with my critical illness plan as it covers major critical illnesses and pro...Read More
I am really impressed with the services. The policy was issued within a day without any hassle. Thank you team.
A trustworthy insurer you can depend on
My experience with HDFC ERGO health insurance has been a great one. The company provides extremely prompt and easy service. I recommend HDFC to all th...Read More
The best in the health insurance industry
My health insurance is with HDFC ERGO. I was looking for a policy with cashless facility and found the perfect one at HDFC ERGO. The policy tenure is ...Read More
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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 www.hdfcergo.com or through www.insurancedekho.com. 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.