HDFC ERGO Health Insurance

HDFC Ergo Health Insurance has become a popular and trusted name in the insurance sector. They offer exclusive health plans, discounts on diagnostic t...Read More

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HDFC ERGO Health Insurance
Network hospital

Network hospitals

12000+

Claim settlement ratio

Claim settlement ratio

98.59%

Sum Insured

Sum insured

Up to 2 Cr

No of Plans

No. of Plans

12

Solvency Ratio

Solvency Ratio

1.7

Pan India Presence

Pan India Presence

200+

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

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Happy Customers

2 lakh + Happy Customers

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HDFC ERGO Health Insurance
Simran saxena
Written By:
Simran

Simran saxena

Health and Term Insurance

Simran has over 3 years of experience in content marketing, insurance, and healthcare sectors. Her motto is to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.

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Reviewed By:
Raj Kumar

Raj Kumar

Health Insurance

Raj Kumar has more than a decade of experience in driving product knowledge and sales in the health insurance sector. His data-focused approach towards business planning, manpower management, and strategic decision-making has elevated insurance awareness within and beyond our organisation.

Updated on Apr 08, 2025 4 min read

HDFC ERGO Health Insurance: An Overview

Health Insurance is there to provide financial support by paying for healthcare expenses during any medical emergency. Therefore, it is very important to get health insurance which will provide you complete coverage anytime. HDFC ERGO is one of the best health insurance companies, that pledged to provide 360-degree coverage. The company was founded as a joint venture between HDFC Limited and ERGO International AG, which is a Germany-based company in 2020, and became HDFC ERGO General Insurance. They offer a variety of insurance products like Motor, health, travel, home, personal, marine, and much more.

What does HDFC ERGO Health Insurance do?

In the health insurance vertical, HDFC ERGO General Insurance showcases a wide array of products. These products include customized health insurance policies created for Individuals, Families, Parents, and Senior Citizens. They also have some tailored coverage for critical illness and personal accidents, that you can avail during any emergency.

Some Interesting Facts About HDFC ERGO Health Insurance Company

  • HDFC ERGO General Insurance Company Limited was promoted by Erst While Housing Development Finance Corporation Limited.
  • Earlier, HDFC ERGO Health Insurance was known as Apollo Munich Health Insurance Company.
  • Having a claim settlement ratio of 98.49% and a solvency ratio of 1.68% HDFC ERGO General Insurance Company has become the second top company in the health insurance world.

12000+

1

Network
Hospitals

1.7

2

Solvency
Ratio

87.70%

3

Incurred Claims
Ratio

UP TO 2 Cr

4

Sum
Insured

24X7

5

Customer
Support

What are some of the
Features
that set them apart?

  • 1

    Special health plans for autism and diabetes

  • 2

    A comprehensive wellness system to promote a healthy lifestyle

  • 3

    Emergency air ambulance services

  • 4

    International travel for treatments

  • 5

    Unlimited teleconsultations

HDFC ERGO's Awards and Achievements

  1. BFSI Leadership Awards 2022 for Cyber Insurance and Optima Secure Health Insurance.
  2. ETBFSI Excellence Awards 2021 for best COVID strategy implemented- Customer Experience
  3. FICCI Insurance Industry Awards September 2021, for claims and customer service excellence.
Star Health Insurance awards

Why Do We Exist?

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Best Selling HDFC ERGO Health Insurance Plans

Let's take a look at the list of health insurance plans that offer comprehensive protection to you and your family

  1. Individual and Family Health Insurance

    HDFC ERGO Health Insurance Plans Eligibility Approximate Annual Premiums
    HDFC ERGO Optima Restore Plan Entry Age - 5 to 65 years
    Sum Insured - Up to 50 L     		Rs. 8852

    HDFC ERGO Koti Suraksha Plan Entry Age - Minimum: 18 years Maximum: 65 years
    Sum Insured - Up to 1 Cr     		Rs. 11285

  2. Top Up and Super Top Up

    HDFC ERGO Health Insurance Plans Eligibility Approximate Annual Premiums
    My Health Medisure Super Top Up Entry Age - 18 to 65 Years
    Sum Insured - Up to 20 L     		Rs. 1,430

  3. Individual

    HDFC ERGO Health Insurance Plans Eligibility Approximate Annual Premiums
    HDFC ERGO Energy Diabetes Plan Entry Age - 18 to 65 Years
    Sum Insured - Up to 50 L     		Rs. 15086

    HDFC ERGO Personal Accident Insurance Entry Age - 18 to 65 years
    Sum Insured - Up to 10 Cr     		Rs. N/A

  4. Critical Illness Health Insurance

    HDFC ERGO Health Insurance Plans Eligibility Approximate Annual Premiums
    HDFC ERGO iCan Cancer Insurance Plan Entry Age - 5 years to 65 years
    Sum Insured - Up to 50 L     		Rs. 1016

  5. Women Health Insurance

    HDFC ERGO Health Insurance Plans Eligibility Approximate Annual Premiums
    My:Health Women Suraksha Policy Entry Age - 18 to 65 years
    Sum Insured - Up to 1 Cr     		Rs. N/A

Key Features Of HDFC ERGO Health Insurance

Let us take a look at some unique features of top-selling HDFC ERGO Health Insurance policies:

For Individual and Family Health Insurance

  • HDFC ERGO Optima Restore Plan
  • HDFC ERGO Koti Suraksha Plan
  • HDFC ERGO Health Wallet Family Floater
  • My:Health Suraksha Smart Plan
  • HDFC ERGO Optima Secure Plan
  • HDFC ERGO Optima Secure Global Plan
  • HDFC ERGO Arogya Sanjeevani Policy

HDFC ERGO Optima Restore Plan

Comprehensive health insurance covers basic to advanced healthcare services with its two plan variants- Optima Restore Individual and Optima Restore Family. 

Why Do We Recommend This?
  • 100% SI restoration with Multiplier benefit
  • Recovery benefits 
  • Avail coverage for organ donor expenses

For Top Up and Super Top Up

  • My Health Medisure Super Top Up

My Health Medisure Super Top Up

My:Health Super Top Up Insurance Policy works alongside your current health insurance policy to provide complete coverage against high medical expenses that your base health insurance can’t cover.

Why Do We Recommend This?
  • Higher sum insured at a low premium
  • Wide range of deductibles
  • 6 Hours response guarantee on every cashless claim

For Individual

  • HDFC ERGO Energy Diabetes Plan
  • HDFC ERGO Personal Accident Insurance

HDFC ERGO Energy Diabetes Plan

A tailor-made health insurance plan for policyholders who have pre-existing diseases such as diabetes Type 1, diabetes mellitus Type 2, pre-diabetes (IFG, IGT), or hypertension. 

Why Do We Recommend This?
  • 20% co-payment waiver option
  • Organ donor cover
  • Avail of healthcare coverage for up to 182 daycare procedures

For Critical Illness Health Insurance

  • HDFC ERGO iCan Cancer Insurance Plan

HDFC ERGO iCan Cancer Insurance Plan

iCan Cancer plan by HDFC ERGO health insurance company offers treatment expenses cover for cancer once the policyholder is diagnosed with the same. 

Why Do We Recommend This?
  • Avail treatment coverage for Cancer
  • In-patient hospitalization cover available
  • Second medical opinion benefit

For Women Health Insurance

  • My:Health Women Suraksha Policy

My:Health Women Suraksha Policy

The policy offers a robust coverage spectrum including cancer, major illness, cardiac ailments, assaults, burns, and more ensuring holistic protection beyond traditional health insurance, offering multiple sum insured options, and coverage for all women.

Why Do We Recommend This?
  • Second medical opinion for critical illnesses
  • Covers up to 9 insured members under a family floater
  • Avail of women’s special wellness benefits

Explore other HDFC ERGO Health Insurance

To cater to the different medical needs of an individual & their family, HDFC ERGO Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more. Take a look below to HDFC ERGO Health Insurance plans explore more:

Individual and Family Health Insurance

HDFC ERGO Optima Restore Plan

HDFC ERGO Optima Restore Plan

HDFC ERGO Optima Restore Policy is the best-selling plan of HDFC ERGO since its launch. It offers comprehensive health cover to you and your family un...

Unique Features

  • Recovery benefit
  • SI restoration
  • Waiting period reduction

Individual and Family Health Insurance

HDFC ERGO Koti Suraksha Plan

HDFC ERGO Koti Suraksha Plan

HDFC ERGO Koti Suraksha is a health insurance plan that provides a sum insured of up to INR 1 crore. Koti Suraksha Plan by the HDFC ERGO Insurance Com...

Unique Features

  • High sum insured
  • Health and wellness plan
  • Emergency worldwide coverage

Top Up and Super Top Up

My Health Medisure Super Top Up

My Health Medisure Super Top Up

HDFC Ergo super top-up plan is the best option by HDFC Ergo to ensure a cushion of ample cover to get the best medical treatment without any restricti...

Unique Features

  • Plan Specifications
  • Key Features & Benefits
  • Quick Buying And Claim Process

Recommended Videos

HDFC Ergo Health Insurance Plan Detailed Review

HDFC Ergo Health Insurance Plan Detailed Review

HDFC Ergo Health Insurance plans

HDFC Ergo Health Insurance plans

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Why Choose HDFC ERGO?

why-choose
  • Versatile and affordable health insurance plans for every need
  • 24X7 customer support for easy claim settlement
  • Over 12000 network hospitals all over India
  • Offers comprehensive coverage at affordable premiums
  • Tax benefits under Section 80D of the Income Tax Act

What is Covered?

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Pre and Post Hospitalization Expenses

HDFC ERGO Health Insurance offers insurance products that contain pre and post-hospitalization expenses related to in-patient hospitalization.

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AYUSH Treatments

Most HDFC ERGO Health Insurance plans have in-built alternative treatment cover which you can utilize to your benefit. AYUSH treatments include Ayurveda, Unani, Siddha, and Homeopathy treatments.

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Hospitalization Expenses

HDFC ERGO health insurance plans cover your hospital expenses like room rent, ICU charges, surgery expenses, doctor consultations, and other such expenses.

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Day Care Treatments

Multiple procedures do not require a 24-hour hospitalization. With this in mind, a majority of the HDFC ERGO health insurance plans are designed to cover daycare procedures for policyholders.

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Domiciliary Hospitalization

On a doctor’s recommendation, a policyholder can avail of medical care in the comfort of their home. HDFC ERGO health insurance plans cover domiciliary hospitalization up to specified sub-limits.

What is not Covered?

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Self Inflicted Injuries

HDFC ERGO health policies will not cover injuries or hospitalization caused by self-harm.

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Cosmetic Procedures

HDFC ERGO Health Insurance plans do not cover any kinds of cosmetic surgeries or treatments.

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Adventure Sports

HDFC ERGO Health Insurance plans will not cover you for hospitalizations, or accidents caused due to adventure sports.

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Obesity or Weight Control Treatments

HDFC ERGO Health Insurance plans mostly do not cover treatments related to obesity and weight management such as bariatric surgeries.

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Involvement In Illegal Activities

HDFC ERGO health insurance company plans do not cover individuals or families for hospitalization or injuries caused due to unlawful activities.

What Are The Different Waiting Periods In HDFC ERGO Health Insurance Plans?

The various waiting periods associated with HDFC ERGO Health plans are:

Initial Waiting Period

The first 30-day waiting period is the initial waiting period or cooling period that applies to most HDFC ERGO health insurance policies.

Pre-existing Disease Waiting Period

HDFC ERGO Health Insurance plans cover listed pre-existing diseases, but it is necessary to complete a specific waiting period which will be decided at the time of decision-making.

Disease-specific Waiting Period

Some of the diseases like Cataract, ENT, Hernia, and much more have a specific waiting period to offer.

Waiting Period for Maternity Cover

Many insurance policies put a waiting period before you can claim for maternity expenses under the Health Insurance Plans.

HDFC ERGO Health Insurance Network Hospital List

HDFC ERGO Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, HDFC ERGO Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Know More About Network Hospital

HDFC ERGO Health Insurance Plans Buying Process

If you are looking forward to purchasing HDFC ERGO Health insurance online follow the simple steps below:

Life Insurance
  • Step 1

    Visit the PolicyX health insurance page, and enter your details such as name, age, number of members to be covered, and city.

  • Step 2

    Click on 'Get free quotes' and compare HDFC ERGO Health Insurance Plans as per your needs.

  • Step 3

    Select and pay premiums online for the purchased HDFC ERGO health insurance plan of your choice.

  • Step 4

    Our team of insurance experts at PolicyX will provide you with all the assistance required regarding claims and other queries post-purchase of your HDFC ERGO Health Insurance plan.

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HDFC ERGO Health Insurance Renewal Process

Follow the steps for HDFC ERGO Health Insurance policy renewal

  • Step 1

    Visit the official website of HDFC ERGO Health Insurance Company

  • Step 2

    Click on the ‘Renew’ tab

  • Step 3

    Mention your ‘Policy Number’ and ‘Date Of Birth’ and other required sections

Connect with our insurance experts for HDFC ERGO health insurance policy renewal at 1800-4200-269 and learn more about the renewal process. 

HDFC ERGO Health Insurance Plan Claim Process Steps

You can file for cashless as well as reimbursement claims for your HDFC ERGO Health Insurance Plans by following these easy steps:

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  • Step 1

    Visit the website of HDFC ERGO Health Insurance, and select the "Claim" option. Then click on the "Claim Intimation" to check out the form.

  • Step 2

    Now select "health claim" and require the information which is the policy number, date of birth, and other details they ask for.

  • Step 3

    Now select the "claim type", whether you want to opt for a cashless claim or reimbursement. Click on the authorize and you will receive the OTP on the verified number.

  • Step 4

    Get verified with the OTP and fill in the required hospital admission information, select the hospital, and fill in the hospital details in case of a non-network hospital.

  • Step 5

    Upload the documents asked and click on the "review" button.

  • Step 6

    After clicking on the review button you need to submit the intimation for the company to review. You will receive a claim intimation number which you need to note down for future purposes.

Documents Required For HDFC ERGO Health Policy Claim Settlement

Submit the following documents when filing for HDFC ERGO health claims:

  • Duly completed and signed claim form, in original
  • Valid photo-ID proof
  • Medical practitioner's referral letter and prescription
  • Original bills, receipts, and discharge cards from the hospital/medical practitioner
  • Original bills from pharmacy/chemists
  • Original pathological/diagnostic tests reports/radiology reports and payment receipts
  • Indoor case papers
  • First Information Report, final police report, if applicable
  • Post-mortem report, if conducted
  • Any other document as required by the company to assess the claim
Who Should Invest In A Health Policy?
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How To Port To HDFC ERGO Health Insurance?

To port your existing policy to HDFC ERGO Health Insurance, follow the steps mentioned below:

  • Step 1

    Fill out the portability form, and send the application to HDFC ERGO Health Insurance Company 45 days before the date of your existing health plan renewal.

  • Step 2

    As per the guidelines of IRDAI, the new insurance company will cross-check your medical and claims history from the previous insurer within 7 days of receiving the portability form.

  • Step 3

    Once the policyholder's details are verified, the new insurance company has to communicate its decision - either approval or rejection - within 15 days.

Health Insurance Premium Calculator

PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. You can input your details and check out some of the most suitable health insurance policies for your specific requirements. This is the easiest, most efficient, spam and gimmick-free way to buy health insurance today.

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Health Insurance Queries

More Queries?

If you have any more queries regarding Plans, Renewals, or Claim Procedures, contact our insurance experts at:
1800-4200-269 now!

Explore HDFC ERGO Health Insurance

HDFC ERGO Maternity Health Insurance

HDFC ERGO Maternity Health Insurance

HDFC Health Insurance Customer Care

HDFC Health Insurance Customer Care

HDFC ERGO Claim Process

HDFC ERGO Claim Process

HDFC ERGO Health Insurance: FAQs

1. When can I include my kids in HDFC ERGO’s health insurance policies?

You can include your kids post 90 days of birth up to 21 years of age in HDFC health insurance policies.

2. Is it necessary for me to undergo medical tests before buying health insurance?

Yes, to buy HDFC health insurance policy, you may be required to undergo a medical examination. Some health insurance policies only require it if you have a pre-existing condition or you are above 40yrs of age.

3. What is the waiting period for pre-existed illness in HDFC ERGO Health Insurance?

If you are suffering from health-related problems at the time of buying a health insurance plan or you have had any medical history such as hypertension, high blood pressure, diabetes, etc then this should be informed to your respective health insurance company. HDFC ERGO covers pre-existing diseases after a 4 years waiting period. So once your waiting period is covered for the informed diseases, you can claim under it.

4. Can I add a family member to my existing family health plan?

Yes, You can add a family member to your existing plan. But for this you need to fill the required forms, such as the health declaration form and endorsement form and pay an extra premium amount.

5. In HDFC ERGO, how many claims are permissible in a year?

You can file any number of claims over a year. However, this should be kept in mind that the claim amount should not exceed the sum assured of your plan. For example, if you have a health insurance of INR 2 lakh, then you can claim up to INR 2 lakh only from your insurance company.

6. What is the integrated Wellness App of HDFC ERGO General Insurance?

HDFC ERGO goes beyond health insurance; it cares not only for the physique but for the mind of the policyholder as well. Integrated Wellness application will help you to embrace a healthy lifestyle, track your calorie intake, monitor your physical activity, maintain proper health care, and enjoy well-being at its best.

7. Is it possible to change my hospital during treatment?

Yes, it is possible, if required. You can change the hospital at the time of your treatment. However, you are required to provide the necessary details for a quick and smooth process.

8. What if I want to cancel my policy in mid-duration?

Most of the health insurance plans available in the market usually have a cooling period of 15 days i.e., called a free look-up period. During this, you can cancel your policy with a full premium refund. However, in that case, if you want to cancel your policy in mid then you are required to provide a suitable reason.

9. Is it possible to port my existing health policy to HDFC ERGO?

Yes, it is possible to port your existing health policy to HDFC ERGO health insurance, provided you have renewed your previous policy without any break.

10. Can I pay the premiums of HDFC ERGO Health Insurance plans in EMI?

Yes, HDFC ERGO has recently launched the facility to pay the health insurance premium in installments.

11. How can you get the reimbursement for pre and post-hospitalization expenses under this policy?

You are required to show the bills and duly file a claim application to the insurer. After the inspection, the bills are reimbursed by the insurance provided to the policyholder.

12. Will my pre-existing illness be covered in the Super Top-up Policy?

Pre-existing illnesses will be covered in the Super Top Up Policy only after 3 years of continuous coverage.

13. Is buying HDFC Ergo Health plan a good choice?

As per the IRDAI Annual report of 2021-22, the company comes with a good CSR, fulfils the solvency ratio criteria, and has a wide network of empanelled hospitals. All these features make HDFC Ergo a good choice.

14. Is HDFC the no.1 health insurance company in India?

Every individual has a different set of healthcare needs which may vary from individual to individual. Therefore, there are no specific criteria to select the number one health insurance. If all your healthcare needs are met by any HDFC Health plan then you should go for it.

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Simran saxena

Written By: Simran Saxena

Simran has over 3 years of experience in content marketing, insurance, and healthcare sectors. Her motto is to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.

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