HDFC Ergo Health Insurance plans
HDFC ERGO General Insurance is a leading general insurer in India, formed as a joint venture between HDFC Ltd. and ERGO ...Read More
The headline features and policy mechanics, at a glance.
Coverage scales from entry-level individual plans to high-end family-floater protection.
Direct billing at network hospitals across 200 presence — no out-of-pocket payment at admission.
Industry-leading approval rate on eligible claims received in the most recent fiscal year.
Well above IRDAI's 1.5× floor — strong indicator of long-term claim-paying ability.
Choose from individual, family floater and senior-citizen variants to match your household.
A quick overview of the insurer — parent group, brand history, and where they sit in the Indian health-insurance market.
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.
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.
Select a sum insured option below to compare health plans matching your coverage need.
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 Plan Detailed Review
Every plan currently being sold by HDFC ERGO Health Insurance, shown side-by-side so you can shortlist quickly.
HDFC ERGO Optima Lite Health Insurance Plan is an affordable health insurance policy that provides necessary health insurance coverage to i…
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…
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…
The HDFC Ergo Super Top-Up plan is an excellent option to ensure ample cover for the best medical treatment without restrictions. It comple…
HDFC ERGO Health Insurance's Health Wallet plan is a comprehensive health insurance plan that not only ensures your health today but also s…
HDFC ERGO Health Insurance offers an Energy Diabetes plan, which is ideal for those suffering from Diabetes Type 1, Diabetes Mellitus Type …
HDFC ERGO Health Suraksha Plan is a comprehensive plan from HDFC ERGO Insurance Company, providing 360-degree protection against rising med…
The iCan Cancer Insurance is a cancer-specific plan offered by HDFC ERGO Health Insurance Company. It covers medical expenses incurred duri…
The HDFC ERGO Personal Accident Insurance plan offers worldwide coverage and lifelong renewability. A key benefit of this plan is that it d…
The HDFC ERGO Optima Secure Plan is designed to provide policyholders with improved financial protection against rising healthcare costs. I…
The HDFC ERGO Optima Secure Global plan offers vital and extended coverage both within and outside India, providing comprehensive protectio…
The Arogya Sanjeevani Policy from HDFC ERGO is a basic plan designed for individual or family floater coverage. It provides essential medic…
HDFC My:Health Women Suraksha is a comprehensive policy designed to cater to the evolving health and well-being needs of today's women. The…
Side-by-side across the 3 most-bought HDFC ERGO Health Insurance plans on PolicyX.
| 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 |
The standard inclusions and exclusions across HDFC ERGO Health Insurance plans. Specific plans may add benefits — always check the policy wording before purchase.
For policy purchase and claim submission. Have these ready before you start.
When specific benefits become claimable after policy start.
The initial waiting period, also known as the cooling period, is typically 30 days and applies to most HDFC ERGO health insurance policies.
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.
Certain diseases like cataracts, ENT conditions, and hernias have specific waiting periods.
Many insurance policies include a waiting period before you can claim for maternity expenses under health insurance plans.
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:
Visit the PolicyX health insurance page, and enter your details such as name, age, number of members to be covered, and city.
Click on 'Get free quotes' and compare HDFC ERGO Health Insurance Plans as per your needs.
Select your preferred HDFC ERGO health insurance plan and pay premiums online.
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:
Visit the website of HDFC ERGO Health Insurance, select the "Claim" option, and then click on "Claim Intimation" to access the form.
Now select "health claim" and provide the required information such as policy number, date of birth, and other details.
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.
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.
Upload the requested documents and click on the "review" button.
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:
Visit the official website of HDFC ERGO Health Insurance Company.
Click on the ‘Renew’ tab.
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:
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.
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.
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:
Visit the official website of PolicyX.
Fill in details such as your name, the number of family members to be covered, city, and other relevant information.
Click on 'Get Quotes'.
For HDFC ERGO health insurance policy premium inquiries, connect with PolicyX health insurance experts at 1800-4200-269.
The 14 most-asked questions about HDFC ERGO Health Insurance, answered.
Pick any two insurers to see a detailed side-by-side comparison.
Compare HDFC ERGO Health Insurance mediclaim policies with other top insurers in India.
Aggregate ratings from 2,716 verified PolicyX customers who bought a HDFC ERGO Health Insurance plan.
PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. Input your details and find the most suitable health insurance policies for your requirements.
PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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