HDFC Ergo Health Insurance Plan | Compare & Get up to 15% Discounts | Buyer Reviews
HDFC ERGO Health Insurance logo HDFC ERGO Health Insurance ★ 4.4/5

HDFC ERGO Health Insurance

HDFC ERGO General Insurance is a leading general insurer in India, formed as a joint venture between HDFC Ltd. and ERGO ...Read More

15,000+
Cashless hospitals
95.3%
Claim settlement
2 Cr
Max sum insured
13
Active plans
🛡️ IRDAI Approved
4.4/5 · 2,716 reviews
🏥 15,000+ hospitals
📊 2x solvency ratio
95.3% claim settlement

What you get with HDFC ERGO Health Insurance

The headline features and policy mechanics, at a glance.

Sum insured up to 2 Cr

Coverage scales from entry-level individual plans to high-end family-floater protection.

15,000+ cashless hospitals

Direct billing at network hospitals across 200 presence — no out-of-pocket payment at admission.

95.3% claim settlement

Industry-leading approval rate on eligible claims received in the most recent fiscal year.

2x solvency ratio

Well above IRDAI's 1.5× floor — strong indicator of long-term claim-paying ability.

13 active plans

Choose from individual, family floater and senior-citizen variants to match your household.

About HDFC ERGO Health Insurance

A quick overview of the insurer — parent group, brand history, and where they sit in the Indian health-insurance market.

HDFC ERGO Health Insurance: An Overview

Health Insurance provides financial support by covering healthcare expenses during medical emergencies. Therefore, it is crucial to choose health insurance that offers comprehensive coverage. HDFC ERGO is one of the best health insurance companies, aiming to provide 360-degree coverage. The company was founded as a joint venture between HDFC Limited and ERGO International AG, a Germany-based company, and became HDFC ERGO General Insurance in 2020. 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 offers a wide array of products. These include customized health insurance policies for Individuals, Families, Parents, and Senior Citizens. They also provide tailored coverage for critical illness and personal accidents, which can be availed during emergencies.

Some Interesting Facts About HDFC ERGO Health Insurance Company

  • HDFC ERGO General Insurance Company Limited was promoted by Erstwhile Housing Development Finance Corporation Limited.
  • Earlier, HDFC ERGO Health Insurance was known as Apollo Munich Health Insurance Company.
  • With a claim settlement ratio of 95.30% and a solvency ratio of 1.68%, HDFC ERGO General Insurance Company is a leading player in the health insurance sector.

Key Highlights of HDFC ERGO Health Insurance

  • 15000+ Network Hospitals
  • 1.68 Solvency Ratio
  • 87.70% Incurred Claims Ratio
  • Sum Insured: Up to 2 Cr
  • 24X7 Customer Support

What are some of the Features that set them apart?

  • Special health plans for autism and diabetes
  • A comprehensive wellness system to promote a healthy lifestyle
  • Emergency air ambulance services
  • International travel for treatments
  • 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.

Choose HDFC ERGO Health Insurance Coverage of Your Choice

Select a sum insured option below to compare health plans matching your coverage need.

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences, and a recommendation on who should buy.

HDFC Ergo Health Insurance plans

HDFC Ergo Health Insurance plans

HDFC Ergo Health Insurance Plan Detailed Review

HDFC Ergo Health Insurance Plan Detailed Review

All 13 HDFC ERGO Health Insurance plans

Every plan currently being sold by HDFC ERGO Health Insurance, shown side-by-side so you can shortlist quickly.

Individual and Family Health Insurance

HDFC ERGO Optima Restore Plan

HDFC ERGO Optima Restore Policy is HDFC ERGO's best-selling plan since its launch. It offers comprehensive health cover to you and your fam…

Sum insured 3 L, 5 L, 10 L, 15 L, 20 L, 25 …
Entry age 5 to 65 years
  • Restore benefit
  • 2X Multiplier benefit
  • Renewal discounts
View plan
Individual and Family Health Insurance

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. The Koti Suraksha Plan by HDFC ERGO In…

Sum insured 50 L, 1 Cr
Entry age Minimum: 18 years Maximum: 65 years
  • Air ambulance
  • OPD cover
  • Domiciliary hospitalization
  • Emergency global coverage
View plan
Top Up and Super Top Up

My Health Medisure Super Top Up

The HDFC Ergo Super Top-Up plan is an excellent option to ensure ample cover for the best medical treatment without restrictions. It comple…

Sum insured 3 L, 5 L, 10 L, 15 L, 16 L, 20 L
Entry age 18 to 65 Years
  • Day care procedures
  • High sum insured
  • 6-hour response guarantee
View plan
Individual and Family Health Insurance

HDFC ERGO Health Wallet Family Floater

HDFC ERGO Health Insurance's Health Wallet plan is a comprehensive health insurance plan that not only ensures your health today but also s…

Sum insured 3 L, 5 L, 10 L, 15 L, 20 L, 25 …
Entry age Child: 91 days to 25 years Adult: 18 to…
  • Inpatient and outpatient cover
  • OPD cover
  • Domiciliary hospitalization
View plan
Individual

HDFC ERGO Energy Diabetes Plan

HDFC ERGO Health Insurance offers an Energy Diabetes plan, which is ideal for those suffering from Diabetes Type 1, Diabetes Mellitus Type …

Sum insured 2 L, 3 L, 5 L, 10 L, 15 L, 20 L…
Entry age 18 to 65 Years
  • Personal health coach
  • Rewards for premium discount
  • Diabetes and Hypertension cover
View plan

Quick comparison

Side-by-side across the 3 most-bought HDFC ERGO Health Insurance plans on PolicyX.

HDFC ERGO Health Insurance plan comparison
Feature Optima Lite Health Insurance Plan HDFC ERGO Optima Restore Plan HDFC ERGO Koti Suraksha Plan
Plan type Individual Individual and Family Health Insurance Individual and Family Health Insurance
Sum insured ₹5 lakh, ₹7.5 lakh 3 L, 5 L, 10 L, 15 L, 20 L, 25 … 50 L, 1 Cr
Entry age Children: 91 days; Adults: 18 years 5 to 65 years Minimum: 18 years Maximum: 65 years
Top benefits Affordable premiums · Unlimited restore benefit Restore benefit · 2X Multiplier benefit Air ambulance · OPD cover

What's covered — and what's not

The standard inclusions and exclusions across HDFC ERGO Health Insurance plans. Specific plans may add benefits — always check the policy wording before purchase.

✓ Inclusions

  • HDFC ERGO Health Insurance offers products that cover pre and post-hospitalization expenses related to in-patient hospitalization.
  • Most HDFC ERGO Health Insurance plans have in-built alternative treatment cover, including Ayurveda, Unani, Siddha, and Homeopathy treatments.
  • HDFC ERGO health insurance plans cover hospital expenses like room rent, ICU charges, surgery expenses, doctor consultations, and other such expenses.
  • Many procedures do not require 24-hour hospitalization. A majority of HDFC ERGO health insurance plans are designed to cover daycare procedures for policyholders.
  • On a doctor's recommendation, a policyholder can avail medical care in the comfort of their home. HDFC ERGO health insurance plans cover domiciliary hospitalization up to specified sub-limits.

✗ Exclusions

  • HDFC ERGO health policies do not cover injuries or hospitalization caused by self-harm.
  • HDFC ERGO Health Insurance plans do not cover any kinds of cosmetic surgeries or treatments.
  • HDFC ERGO Health Insurance plans will not cover you for hospitalizations or accidents caused due to adventure sports.
  • HDFC ERGO Health Insurance plans mostly do not cover treatments related to obesity and weight management such as bariatric surgeries.
  • HDFC ERGO health insurance company plans do not cover individuals or families for hospitalization or injuries caused due to unlawful activities.

Documents required

For policy purchase and claim submission. Have these ready before you start.

  • Duly completed and signed claim form (original)
  • Valid photo-ID proof
  • Medical practitioner's referral letter and prescription
  • Original bills, receipts, and discharge summary from the hospital/medical practitioner
  • Original bills from pharmacy/chemists
  • Original pathological/diagnostic test reports, radiology reports, and payment receipts
  • Indoor case papers
  • First Information Report (FIR) and final police report, if applicable
  • Post-mortem report, if conducted
  • Any other document required by the company to assess the claim

Waiting periods

When specific benefits become claimable after policy start.

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

Initial Waiting Period

The initial waiting period, also known as the cooling period, is typically 30 days and applies to most HDFC ERGO health insurance policies.

Pre-existing Disease Waiting Period

HDFC ERGO Health Insurance plans cover listed pre-existing diseases, but a specific waiting period must be completed, as determined at the time of policy purchase.

Disease-specific Waiting Period

Certain diseases like cataracts, ENT conditions, and hernias have specific waiting periods.

Waiting Period for Maternity Cover

Many insurance policies include a waiting period before you can claim for maternity expenses under health insurance plans.

15,000+ cashless hospitals

Find a HDFC ERGO Health Insurance network hospital near you. Direct billing — no out-of-pocket payment at admission.

Buy, claim, renew, port — step-by-step

Step-by-step guides for the four moments that matter most in your policy lifecycle. Click a tab to switch.

If you are looking to purchase HDFC ERGO Health Insurance online, follow these simple steps:

  1. Step 1

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

  2. Step 2

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

  3. Step 3

    Select your preferred HDFC ERGO health insurance plan and pay premiums online.

  4. 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.

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

  1. Step 1

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

  2. Step 2

    Now select "health claim" and provide the required information such as policy number, date of birth, and other details.

  3. Step 3

    Select the "claim type," whether you want to opt for a cashless claim or reimbursement. Click 'Authorize' to receive an OTP on your verified number.

  4. Step 4

    Verify with the OTP, then fill in the hospital admission information. Select the hospital, or provide hospital details if it's a non-network hospital.

  5. Step 5

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

  6. Step 6

    After reviewing, submit the intimation for the company's review. You will receive a claim intimation number; please note it down for future reference.

To renew your HDFC ERGO Health Insurance policy, follow these steps:

  1. Step 1

    Visit the official website of HDFC ERGO Health Insurance Company.

  2. Step 2

    Click on the ‘Renew’ tab.

  3. Step 3

    Enter your Policy Number, Date of Birth, and other required details.

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

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

  1. Step 1

    Fill out the portability form and send the application to HDFC ERGO Health Insurance Company at least 30 days before your existing health plan's renewal date.

  2. Step 2

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

  3. Step 3

    Once the policyholder's details are verified, the new insurance company must communicate its decision – either approval or rejection – within 5 days.

To compare and calculate premiums for HDFC ERGO health policies using the PolicyX premium calculator, follow these simple steps:

  1. Step 1

    Visit the official website of PolicyX.

  2. Step 2

    Fill in details such as your name, the number of family members to be covered, city, and other relevant information.

  3. Step 3

    Click on 'Get Quotes'.

For HDFC ERGO health insurance policy premium inquiries, connect with PolicyX health insurance experts at 1800-4200-269.

Frequently asked questions

The 14 most-asked questions about HDFC ERGO Health Insurance, answered.

You can include your kids post 90 days of birth up to 21 years of age in HDFC health insurance policies.
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.
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.
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.
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.
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.
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.
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.
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.
Yes, HDFC ERGO has recently launched the facility to pay the health insurance premium in installments.
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.
Pre-existing illnesses will be covered in the Super Top Up Policy only after 3 years of continuous coverage.
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.
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.

Compare Health Insurance Companies

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Other Health Insurance Companies

Compare HDFC ERGO Health Insurance mediclaim policies with other top insurers in India.

Customer satisfaction

Aggregate ratings from 2,716 verified PolicyX customers who bought a HDFC ERGO Health Insurance plan.

4.4
out of 5
2,716 reviews
5 star
60%
4 star
25%
3 star
10%
2 star
4%
1 star
1%

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

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