HDFC ERGO Health Insurance Plans
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*
HDFC Ergo health insurance plans provide coverage to the policyholder in case they are diagnosed with any kind of health problem. With a claim settlement ratio of 100%, HDFC Ergo is efficient in providing quick claim settlement. HDFC Ergo also provides several other benefits like renewal discounts, no claim bonus, and more so that policyholders can buy health insurance plans at very affordable rates. Some of the best health insurance plans that HDFC Ergo offers are as follows:
- HDFC Ergo My Health Suraksha Plan: The HDFC Ergo My Health Suraksha Plan provides a 360-degree protection to policyholders. It provides coverage between Rs. 3 lakhs to Rs. 5 lakhs. Some of the coverage offered under this plan are pre and post hospitalisation expenses, home health care, cumulative bonus, and more. There is no medical test required for policyholders who are less than 45 years of age.
- HDFC Ergo Critical Illness Insurance Plan: As the name suggests, HDFC Ergo critical illness plan provides coverage if the policyholder is diagnosed with a critical illness. It provides coverage for over 15 critical illnesses like cancer, stroke, paralysis, kidney failure, and more. Moreover, it has a lesser waiting period for critical illness as compared to other plans.
- HDFC Ergo My Health Medisure Super Top-up Plan: The HDFC Ergo My Health Medisure Super Top-up Plan provides coverage for a higher sum insured at affordable premiums. To buy this policy, the insured should be of the age between 18-65 years. You can buy this plan for 2 continuous years and save on health insurance premiums.

*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 |
Health Insurance Coverage Calculator
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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.