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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Network hospitals
12000+
Incurred claim ratio
79.04%%
Sum insured
Up to 2 Cr
No. of Plans
12
Solvency Ratio
1.7
Pan India Presence
200+
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.
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
- BFSI Leadership Awards 2022 for Cyber Insurance and Optima Secure Health Insurance.
- ETBFSI Excellence Awards 2021 for best COVID strategy implemented- Customer Experience
- FICCI Insurance Industry Awards September 2021, for claims and customer service excellence.
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
-
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 CrRs. N/A
-
Individual and Family Health Insurance
HDFC ERGO Health Insurance Plans Eligibility Approximate Annual Premiums HDFC ERGO Arogya Sanjeevani Policy Entry Age - 18 - 65 Years
Sum Insured - Up to 10 LRs. 2494
HDFC ERGO Optima Secure Global Plan Entry Age - 18 - 65 Years
Sum Insured - Up to 2 CrRs. N/A
-
Individual
HDFC ERGO Health Insurance Plans Eligibility Approximate Annual Premiums HDFC ERGO Personal Accident Insurance Entry Age - 18 to 65 years
Sum Insured - Up to 10 CrRs. N/A
HDFC ERGO Energy Diabetes Plan Entry Age - 18 to 65 Years
Sum Insured - Up to 50 LRs. 15086
-
Critical Illness Health Insurance
HDFC ERGO Health Insurance Plans Eligibility Approximate Annual Premiums iCan Cancer Insurance Plan Entry Age - 5 years to 65 years
Sum Insured - Up to 50 LRs. 1016
-
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 LRs. 1,430
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 Women Health Insurance
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
For Individual and Family Health Insurance
HDFC ERGO Arogya Sanjeevani Policy
Arogya Sanjeevani’s Policy from HDFC ERGO is designed for individual or family floater coverage that provides you with precise medical support such as hospitalization, pre and post-hospitalization, doctor’s consultation, AYUSH treatment, preventive health check-ups, etc.
Why Do We Recommend This?
- Avail cataract treatments for covered members
- Emergency domestic ambulance services
- Avail coverage for ICU admission and daycare procedures
For Individual
HDFC ERGO Personal Accident Insurance
Comprehensive health insurance covers road traffic accidents, broken bones, burns (even 2nd and 3rd degree), ambulance charges, and hospital cash.
Why Do We Recommend This?
- Permanent Total Disability
- Accidental OPD expenses
- Air ambulance cover
For Critical Illness Health Insurance
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 Top Up and 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
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:
Women Health Insurance
HDFC My: Health Women Suraksha is a comprehensive policy that is designed to cater to the evolving needs of health and well-being of today's women. T...
Unique Features
- Cancer Cover
- Assault And Burn Cover
- 41 Critical Illness Cover
My:Health Women Suraksha Policy (Pros)
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- Lifetime renewal
- Wellness Incentives
- Add-On Coverage
My:Health Women Suraksha Policy (Cons)
- Obesity or weight control
- Cosmetic surgeries
- Maternity cover
- Change of gender treatment
My:Health Women Suraksha Policy (Other Benefits)
- Post Diagnosis Support
- Cancer Cover
- Major Illness Cover
- Surgical Procedure
- Critical Illness Cover
My:Health Women Suraksha Policy (Eligibility Criteria)
- Entry age: 18 to 65 years
- Sum insured: 1 Lakh to 1 Crore
- Policy term: 1/2/3 years
Individual and Family Health Insurance
The Arogya Sanjeevani Policy from HDFC ERGO is a basic plan designed for individual or family floater coverage. It provides you with the precise medic...
Unique Features
- 3 plan variants
- Double coverage
- E-opinion on critical illnesses
HDFC ERGO Arogya Sanjeevani Policy (Pros)
- Pre and post-hospitalization
- Doctor consultation
- AYUSH treatment
- Preventive health check-ups
HDFC ERGO Arogya Sanjeevani Policy (Cons)
- Maternity expenses
- Daily hospital cash
- Modern treatment
- Organ donor cover
HDFC ERGO Arogya Sanjeevani Policy (Other Benefits)
- Family floater cover
- SI upto 10 Lakhs
- Lifelong renewability
HDFC ERGO Arogya Sanjeevani Policy (Eligibility Criteria)
- Min. Entry Age - 18 Years
- Max. Entry Age - 65 Years
- Si - Up to 10 L
- Initial Waiting Period - 30 Days
Individual and Family Health Insurance
Are you sceptical about finding the best health insurance plan that protects you and your family under one roof? Read further to learn about the exclu...
Unique Features
- India & Worldwide Coverage
- High SI up to 2 Crores
- Aggregate Deductible Discounts
HDFC ERGO Optima Secure Global Plan (Pros)
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- Pre and post-hospitalisation
- Organ donor expenses
- AYUSH treatment
HDFC ERGO Optima Secure Global Plan (Cons)
- Modern treatment
- Vaccination unavailable
- Maternity and newborn baby cover
- Cataract cover
HDFC ERGO Optima Secure Global Plan (Other Benefits)
- E-opinion for 51 critical illnesses
- Add-on covers
- Overseas travel secure
HDFC ERGO Optima Secure Global Plan (Eligibility Criteria)
- Entry age: 18 to 65 years
- Sum insured: 1 to 2 Crore
- Initial Waiting Period 30 Days
- Policy Term: 1/2/3 Years
Individual and Family Health Insurance
HDFC ERGO My:Optima Secure health insurance plan offers value that you might require in future to fight against medical discrepancies. Providing you a...
Unique Features
- 3 plan variants
- Double coverage
- E-opinion on critical illnesses
HDFC ERGO Optima Secure Plan (Pros)
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- Hospital Cash Benefit
- No Cost Instalment Option
- Restore Benefit
- Unlimited Restore
HDFC ERGO Optima Secure Plan (Cons)
- Maternity cover NA
- Newborn care unavailable
- OPD cover unavailable
HDFC ERGO Optima Secure Plan (Other Benefits)
- Aggregate deductible discounts
- Disposables & consumables cover
- Worldwide cover
HDFC ERGO Optima Secure Plan (Eligibility Criteria)
- Entry age: 18 years to no max limit
- SI: 5 Lakhs to 2 Crore
- Policy term: 1/2/3 years
- Initial waiting period: 30 days
Individual
Accidental deaths or injuries can be devastating, it can attack your physical, emotional, mental, and financial status to ruin your happy life moment...
Unique Features
- Worldwide coverage
- No pre-policy medicals
- Lifelong renewability
HDFC ERGO Personal Accident Insurance (Pros)
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- Accidental Death
- Permanent Total Disability
- Broken Bones
- Burns
HDFC ERGO Personal Accident Insurance (Cons)
- Breach of law
- Pregnancy or childbirth
- Self-inflicted injury
HDFC ERGO Personal Accident Insurance (Other Benefits)
- Ambulance costs
- Hospital cash
- Lump sum payout benefit
- Air ambulance cover
HDFC ERGO Personal Accident Insurance (Eligibility Criteria)
- Entry Age: 18 - 65 years
- Policy Term: 1/2/3 years
- Initial Waiting Period: None
- Sum Insured: 20 L - 10 Cr
Critical Illness Health Insurance
iCan Cancer Insurance is a cancer-specific plan offered by HDFC Health Insurance Company. The plan covers medical expenses incurred during the treatme...
Unique Features
- Key Features
- Eligibility & Exclusions
- iCan Cancer Plan Sample Premiums
iCan Cancer Insurance Plan (Pros)
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- Cancer cover
- In-patient hospitalization
- Ambulance cover
iCan Cancer Insurance Plan (Cons)
- Maternity cover
- Newborn cover
- Organ donor cover
- Global coverage
iCan Cancer Insurance Plan (Other Benefits)
- COVID-19 cover
- Pre and post-hospitalization
- ICU charges
iCan Cancer Insurance Plan (Eligibility Criteria)
- Entry age: 5 to 65 years
- POlicy term: 1 year
- Initial waiting period: 120 days
Individual and Family Health Insurance
HDFC ERGO Health Suraksha Plan is a comprehensive plan from the house of HDFC ERGO Insurance Company that aims at providing 360-degree protection agai...
Unique Features
- Key Features
- Eligibility & Age Restrictions
- Types of My:Health Suraksha Smart Plans
My:Health Suraksha Smart Plan (Pros)
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- Air ambulance cover
- Recovery benefit
- Infertility cover
My:Health Suraksha Smart Plan (Cons)
- Vaccination cover unavailable
- Second medical opinion not available
- Maternity cover
- Newborn baby cover
My:Health Suraksha Smart Plan (Other Benefits)
- Family discount
- Long-term policy discount
- Loyalty discount
My:Health Suraksha Smart Plan (Eligibility Criteria)
- Entry age: 18 years to no age limit
- Sum insured: 3 to 75 Lakhs
- Policy term: 1/2/3 years
- Initial waiting period: 30 days
Individual
HDFC ERGO Health Insurance offers an Energy Diabetes plan which is ideal for those who are suffering from diabetes Type 1, diabetes mellitus Type...
Unique Features
- Personalized health coach option
- Get rewards to reduce your premiums
- Diabetes-Hypertension without waiting period
HDFC ERGO Energy Diabetes Plan (Pros)
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- Personal health coach
- Rewards for premium discount
- Diabetes and Hypertesion cover
HDFC ERGO Energy Diabetes Plan (Cons)
- ICU cover unavailable
- AYUSH treatment
- OPD not covered
- Domiciliary treatment unavailable
HDFC ERGO Energy Diabetes Plan (Other Benefits)
- Organ donor cover
- Ambulance services
- Pre & post-hospitalization cover
HDFC ERGO Energy Diabetes Plan (Eligibility Criteria)
- Entry age: 18 to 65 years
- Policy term: 1 year
- Initial waiting period: 30 days
- Sum insured: 2 to 50 L
Individual and Family Health Insurance
HDFC ERGO Health Insurance's Health Wallet plan by HDFC ERGO Health Insurance is a comprehensive health insurance plan that not only ensures your heal...
Unique Features
- Worldwide Emergency Care
- Avail 6% interest on un-used SI
- Cashless Homecare treatment
HDFC ERGO Health Wallet Family Floater (Pros)
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- Inpatient and outpatient cover
- OPD cover
- Domiciliary hospitalization
HDFC ERGO Health Wallet Family Floater (Cons)
- Air ambulance
- E-consultations
- Health check-up
- Modern treatment cover
HDFC ERGO Health Wallet Family Floater (Other Benefits)
- Global coverage
- Daycare procedures
- Health check-up
- Vaccination charges
HDFC ERGO Health Wallet Family Floater (Eligibility Criteria)
- Entry age: 18 to 65 years
- Initial waiting period: 30 days
- Sum insured: 3 to 50 Lakhs
- Policy term: 1/2/3 years
Top Up and 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
My Health Medisure Super Top Up (Pros)
- Day care procedures
- High sum insured
- 6 Hours response guarantee
My Health Medisure Super Top Up (Cons)
- Adventure sport injuries
- Self-inflicted injuries
- War
My Health Medisure Super Top Up (Other Benefits)
- Deductibles offered
- Covers family members
- Versatile plan
My Health Medisure Super Top Up (Eligibility Criteria)
- Min entry age: 18 Years
- Max entry age: 65 Years
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 20 L
Individual and Family Health Insurance
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
HDFC ERGO Koti Suraksha Plan (Pros)
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- Air ambulance
- OPD cover
- Domiciliary hospitalization
- Emergency global coverage
HDFC ERGO Koti Suraksha Plan (Cons)
- Vaccination not covered
- Modern treatment unavailable
- Maternity & newborn baby care unavailable
HDFC ERGO Koti Suraksha Plan (Other Benefits)
- In-patient hospitalization
- Daycare procedures
- Health check-up cover
HDFC ERGO Koti Suraksha Plan (Eligibility Criteria)
- Entry age: 18 to 65 years
- Sum insured: 50 Lakhs & 1 Crore
- Waiting period: 30 days
- Policy term: 1/2/3 years
Individual and Family Health Insurance
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 fami...
Unique Features
- Recovery benefit
- SI restoration
- Waiting period reduction
Optima Restore Plan (Pros)
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- Restore benefit
- 2X Multiplier benefit
- Renewal discounts
Optima Restore Plan (Cons)
- AYUSH not covered
- OPD cover unavailable
- Global health cover
Optima Restore Plan (Other Benefits)
- Recovery benefits
- Organ donor cover
- In-patient and out-patient hospitalization
Optima Restore Plan (Eligibility Criteria)
- Entry Age: 18 - 65 Years
- Sum Insured: 3 | 5 | 10 | 15 | 20 | 25 | 50L
- Initial Waiting Period: 30 Days
Recommended Videos
HDFC Ergo Health Insurance Plan Detailed Review
HDFC Ergo Health Insurance plans
Why Choose HDFC ERGO?
- 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?
Pre and Post Hospitalization Expenses
HDFC ERGO Health Insurance offers insurance products that contain pre and post-hospitalization expenses related to in-patient hospitalization.
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.
Hospitalization Expenses
HDFC ERGO health insurance plans cover your hospital expenses like room rent, ICU charges, surgery expenses, doctor consultations, and other such expenses.
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.
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?
Self Inflicted Injuries
HDFC ERGO health policies will not cover injuries or hospitalization caused by self-harm.
Cosmetic Procedures
HDFC ERGO Health Insurance plans do not cover any kinds of cosmetic surgeries or treatments.
Adventure Sports
HDFC ERGO Health Insurance plans will not cover you for hospitalizations, or accidents caused due to adventure sports.
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.
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.
HDFC ERGO Health Insurance Plans Buying Process
If you are looking forward to purchasing HDFC ERGO Health insurance online follow the simple steps below:
- 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.
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:
- 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
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.
More Queries?
If you have any more queries regarding
Plans,
Renewals, or Claim Procedures, contact our insurance experts at:
1800-4200-269
now!
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Written By: Simran Saxena
An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Travelling and writing are her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and seamlessly solves the reader’s query.
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