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HDFC ERGO Health Insurance

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HDFC ERGO Health Insurance
Cashless Approval TAT45 mins Cashless Claim Processing
Claim Settlement Ratio100%
Network Hospitals12,000+
PED Coverage Starting From3 year
Special Benefits2X Cover from Day 1
Starting Premium Rs. 1090/month

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HDFC ERGO Health Insurance Plan List

  • Cover

    5 Lakh

    Cashless Hospital


    Starting From 1,391/month*

  • Cover

    5 Lakh

    Cashless Hospital


    Starting From 1,312/month*


HDFC ERGO is a 51:49 joint venture between HDFC Ltd and ERGO, which is the primary insurance entity of the Munich Re Group of Germany. HDFC ERGO, the 3rd largest Private General Insurer with a 6.2% market share, offers products like Motor, Health, Travel, Home, Personal Accident, and Cyber Insurance in the retail space and customized products like Property, Marine, and Liability Insurance in the corporate space through its network of 203 branches spread across 170 cities and a wide distribution network. The HDFC health Insurance company is also committed to delivering customized insurance solutions for the Property, Marine, and Liability insurance requirements of its corporate customers.

HDFC ERGO General Insurance was conferred with the ICAI Award for Excellence in Financial Reporting in FY 2014-15 as well as in 2015-16. The insurer has been assigned an ‘iAAA’ rating by ICRA, indicating its highest claim-paying ability. HDFC General Insurance won the 2016 Best Customer Experience Award of the Year in the financial sector by KamiKaze for its unparalleled customer service.

In the health insurance space, HDFC Ergo General Insurance features a wide array of products including customized policies made for Individuals, Families, Parents, and Senior Citizens. The HDFC Health Insurance company also offers tailor-made solutions for Critical Illnesses and Personal Accidents.

Premium Calculation

There are a number of factors that affect the amount of your HDFC ERGO health insurance policy. The awareness of such factors help you choose a policy as per your requirements and budget. The following are the factors that affect the amount which you pay as a premium for a health insurance plan.

  • Age - The premium amount increases with the age of the policyholder. This is because at an older age you are more prone to diseases. Thus, it is wise to buy a health insurance plan at the earliest.
  • Pre-Existing Medical Conditions - Another factor that affects the premium amount if the history of your medical condition. People with pre-existing illnesses may get their plans rejected or get them at a high premium.
  • Unhealthy Lifestyle/Habits - Unhealthy lifestyle and bad habits like smoking, excessive drinking, chewing of tobacco makes an individual more vulnerable to diseases. Thus, people with such lifestyles are offered health insurance plans at relatively higher premium amounts.
  • Sum Insured - Sum insured refers to the maximum amount which an insurer promises to pay under the health insurance plan. The higher the sum insured, the higher is the premium amount of the plan.

Top HDFC Ergo Health Insurance Plan Types

HDFC Ergo General Insurance offers a variety of health insurance plans to its customers. Following are the top 3 health insurance plans offered by HDFC Ergo Health Insurance:

1. HDFC Ergo My Health Suraksha Plan: It is a comprehensive health insurance plan which is available on individual as well as on a floater basis. The coverage under this plan includes expenses incurred for inpatient hospitalisation, pre-hospitalisation, post-hospitalisation, day care procedures, domiciliary treatment, organ donor, emergency ambulance, AYUSH treatments and health check-ups. The policy is available with a tenure of 1 year as well as 2 years, with lifetime renewability. Moreover, the plan provides you with an additional benefit of a cumulative bonus as a reward if you do not make a claim during the policy period.

2. HDFC Ergo Critical Illness Insurance Plan: As the name suggests, it is a critical illness health insurance plan which covers upto 15 critical illnesses including heart attack, stroke, cancer, paralysis, and kidney failure. This plan is available in two variants. This plan requires no medical check-ups up to the age of 45 years and comes with the benefit of lifetime renewability.

3. HDFC Ergo My Health Medisure Super Top-up Plan: This helps you ensure enough cushion cover in case your existing plan is not able to meet all the incurred health costs. This plan helps you get the best medical treatment by taking care of limitations of sum insured of your existing plan. The HDFC Ergo Medisure Super Top-up Plan provides you cover for inpatient hospitalisation, pre-hospitalisation, post-hospitalisation as well as day care procedures.

4. HDFC Ergo My Health Women Suraksha Plan: This plan is available in three variants namely Women Cancer Plus Plan, Women CI Essential Plan and Women CI Comprehensive Plan. The HDFC Ergo My Health Women Suraksha Plan, provides coverage for cancer, major illnesses, preventive health-checkups, wellness and health coach, surgical procedures, and cardiac ailments and procedures. The plan also provides coverage for pregnancy and newborn complications are covered to an extent of 25% of the sum insured subject to a maximum of Rs. 5 lakh. A special feature of the plan loss of job benefits, which is available as 50% of monthly salary, up to 6 months.

5. HDFC Ergo My Health Medisure Classic Insurance Plan: This plan provides coverage for inpatient hospitalisation, pre-hospitalisation and post-hospitalisation expenses. The plan also provides coverage for day care procedures, maternity coverage, newborn baby cover, ayurvedic treatment, and pre-existing disease post 3 years. There is no restriction on entry age under this plan which also gives complete cover for your children till the age of 23 years.

What Is A Health Insurance Top-up Plan and Why Should I Buy It?

A top-up health insurance is an additional coverage which you can add to your existing health insurance plan. A top-up plan offers coverage benefits when the sum insured of your existing plan gets exhausted. A top-up insurance policy is available as an add-on cover against the payment of an extra premium amount. A top-up plan helps you to ensure financial stability in times when the insurance coverage of your standard plan falls short during a medical emergency. In a nutshell, a top-up plan helps you increase your health insurance coverage at an affordable premium.

HDFC ERGO Health Insurance Top Up List

    Name of PlanSum Insured
    my: Health Medisure Super Top-upMin: 3 Months; Max: 65 Years3 Lakh Check Premium
    Optima SuperMin: 91 Days; Max: 65 Years5 Lakh Check Premium

    Advantages Of HDFC Ergo Health Insurance

    Some of the advantages of purchasing a HDFC Ergo health insurance plan are as follows:

    • High Claim Settlement Ratio - HDFC Ergo General Insurance featured an impressive claim settlement ratio of 86.52% in FY 2019-20. With its consistent, easy, and affordable service, the insurer has won the trust of more than 1 crore customers.
    • 24*7 Customer Support - The customer support team of HDFC Ergo General Insurance is available 24*7 at the service of its customers. The company’s in-house claims team works round the clock to provide hassle-free claim experience to its customers and support in hours of need.
    • Good Track Record - HDFC Ergo General Insurance has been catering to the insurance needs of its customers from the last 16 years. HDFC Ergo General Insurance won the Best Customer Experience Award in the financial sector in 2016 by KamiKaze for its great customer service.
    • Pan India Presence - HDFC Ergo General Insurance maintains a pan India presence with a wide network of more than 10,000 cashless hospitals, 120+ branch offices and over 3,000 employees.

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    Disclaimer : Actual Coverage might vary basis your location, age and number of members

    Common Benefits under all HDFC Ergo Health Insurance

    Following are the benefits which you can enjoy with health Insurance plans offered by HDFC Ergo General Insurance:

    • No Medical Test Up to 45 Years: If you are fit and healthy, you can take most of the health insurance plans offered by HDFC Ergo General Insurance without getting any medical tests done. Please note this feature is only available for people up to 45 years of age.
    • Free Renewal Health Check-up: Policyholders of health insurance plans offered by HDFC Ergo General Insurance are eligible for a free health check-up within 60 days after the renewal of the policy with the insurer.
    • No Entry Age Restriction: All individuals of at least 18 years of age are eligible to buy health insurance plans offered by HDFC Ergo General Insurance. The insurer offers plans to all age groups.
    • Lifetime Renewability: The health insurance plans provided by HDFC Ergo General Insurance come with the feature of lifetime renewability. Thus, you need not exit from them.
    • Tax Benefit: A policyholder can avail tax deductions under all HDFC Ergo health insurance plans as per section 80D of the Income Tax Act. This tax exemption can be availed on both individual as well as family floater health plans, which offers coverage to you, your spouse, dependent children and parents.
    • Cashless Treatment: HDFC Ergo offers cashless medical facilities to their policyholders at their registered network hospitals. Under a cashless facility, a policyholder is not required to worry about arranging money for paying hospital bills as here the insurance provider settles the medical bill directly with the hospital. There are more than 10,000 hospitals registered with HDFC Ergo all over the nation.
    • Health Check-Ups: In India, most of the health insurance providers provide the facility of free preventive health check up to the policyholder at regular intervals based on the terms and conditions of the health insurance plans.

    3624 HDFC ERGO Cashless Network Hospitals in India

    HDFC Ergo General Insurance Health Claim Settlement Ratio 

    Financial Year

    Health Claim Settlement Ratio

    FY 2018-2019


    FY 2019-2020


    (Source: IBAI’s General Insurance Claim Insights Handbook For Policyholders - 4th & 5th Edition)

    Save Tax upto ₹75000*
    Under Section 80D

    *Tax benefits are subject to changes in Income Tax Act.

    What Are The Key Features of HDFC Ergo Health Insurance?

    Let us understand the key features of HDFC Ergo health insurance plan designed specifically to help you in leading a secure and financially healthy life. They are explained as follows:

    • Renewability: The insurance plan provides a lifelong renewal with a simple and fast process. It helps you during medical emergencies and keeps you stress free financially so that you are capable of handling any difficult situation with peace of mind.
    • No Sub Limit on Room Rent: Generally sub limits on the room rent under a health insurance plan eat into the sum insured opted by the policyholder. However, HDFC Ergo offers health plans without placing any sub limits on room rent.
    • Pre and Post Hospitalisation Cover: The health insurance plans offered by HDFC Ergo offers pre-hospitalisation expenses for up to 60 days and post- hospitalisation expenses for up to 90 days.
    • Network Hospital: HDFC Ergo insurance company offers cashless hospitalisation facility. Under this facility, the insurance provider directly settles all medical bills incurred during the time of treatment at the network hospital, thus not causing a financial strain on your pocket during difficult times. The insurance company has over 10,000 network hospitals registered with them to serve the insured with emergency hospitalisation in times of need.
    • Health Check-Ups: If a policyholder successfully completes four claim free years, the expenses for health check-up can be reimbursed.

    Claim Process at HDFC ERGO Health Insurance

    • Network Hospital
    • Non-Network Hospital
    • 1

      Claim Assistance

      For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
    • 2

      Claim Intimation

      Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
    • 3

      Claim Processing

      Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
    • 4

      Claim Settlement

      Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
    • 1

      Claim Assistance

      For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
    • 2

      Claim Intimation

      Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
    • 3

      Claim Processing

      Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
    • 4

      Claim Settlement

      Once your request for reimbursement of expenses is approved, the claim will be settled.

    Network Hospitals of HDFC Ergo General Insurance

    HDFC Ergo General Insurance has a wide network of hospitals at which its policyholders can avail the benefits of cashless claims. The insurer has more than 10,000 hospitals in its network spread pan India.

    HDFC ERGO Health Insurance User Reviews

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    What users are saying
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    • Network Hospitals
    • Claim
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    • Premium
    • Top up
    • Critical Illness
    • I recently bought the HDFC ERGO Health Insurance Plan from the InsuranceDekho website. The plan offers superb ...

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      By Avani Kaul
      On: Nov 24, 2023
    • It was nice purchasing a health insurance policy from InsuranceDekho. The customer support executives of the c...

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      By Deepak Malhotra
      On: Nov 21, 2023
    • InsuranceDekho caters to various budgets. I found the HDFC ERGO Health Insurance Plan that fit my financial si...

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      By Romila Sachdev
      On: Nov 15, 2023
    • I felt safe and secure making transactions on InsuranceDekho for my HDFC ERGO Health Insurance Plan. Their web...

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      By Punita Jaiswal
      On: Nov 08, 2023
    • InsuranceDekho offered me flexible payment options while purchasing the HDFC ERGO Health Insurance Plan, makin...

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      By Dinesh Shivana
      On: Nov 07, 2023

    Latest News on HDFC ERGO Health Insurance

    HDFC Ergo General Insurance Policy Terms

    The following are the important terms of health insurance plans offered by HDFC Ergo General Insurance. However, these terms may vary from plan to plan offered by the insurer.

    Minimum Age of Entry

    91 days

    Maximum Age of Entry

    No Limit

    Policy Renewal

    HDFC Ergo General Insurance policies come with a lifetime renewability option.


    A co-payment of 20% in case of treatment in Tier 1a or Tier 1b cities.

    Waiting Period

    HDFC Ergo General Insurance plans come with a general waiting period of 30 days for illnesses, except accidents. However, the waiting period is 24 months in case of certain illnesses and surgical procedures.

    COVID-19 Coverage Under HDFC Ergo Health Insurance

    HDFC Ergo offers coverage for hospitalisation expenses incurred due to COVID-19 treatment under their several health insurance policies subject to the terms and conditions stated in the policy document. The insurance company offers coverage for both pre-hospitalisation as well as post-hospitalisation expenses. However, before the coverage begins, you are required to go through a waiting period of 30 days after which you can receive compensation of COVID-19 treatment including in-patient treatment expenses, pre-hospitalisation expenses, post-hospitalisation expenses, and so on.

    HDFC Ergo General Insurance Claim Process

    A Health Insurance claim refers to the process wherein a policyholder requests the insurer to compensate for the expenses incurred by them during a medical emergency, illness or accident. A health insurance claim can be settled in two ways - cashless manner and reimbursement manner.

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    How To Make Health Insurance Cashless Claims with HDFC Ergo General Insurance?

    All claims made at the network hospitals of HDFC Ergo General Insurance’s network, get processed in a cashless manner. Thus, under a cashless claim, you need not pay to the hospital as HDFC Ergo General Insurance pays directly to the hospital subject to the sum insured. You can raise a cashless claim with HDFC Ergo General Insurance by following the below-mentioned steps:

    Step 1: Get Hospitalised

    Locate your nearest hospital which has partnered with HDFC Ergo General Insurance and get admitted there. You can locate your nearest HDFC Ergo network hospital by clicking here.

    Step 2: Fill And Submit The Cashless Claim Form

    Collect a cashless claim form from the hospital, duly fill it and submit it back to the hospital with the required documents including your ID proof and health insurance card.

    Step 3: Pre-Authorization of Claim

    Upon submission of the cashless claim form, the internal claims team of HDFC Ergo General Insurance will approve/reject your claim on the basis of documents submitted, course of treatment and coverage. The insurer claims to complete the claim approval process within 20 minutes.

    Step 4: Claim Settlement

    On receiving the approval of your claim, you can undergo the required medical treatment. You need not pay anything to the hospital (subject to coverage and sum insured). On discharge from the hospital, the insurer will check the documents and discharge summary and settle the claim directly with the hospital.

    How To Make Health Insurance Reimbursement Claim with HDFC Ergo General Insurance?

    When a policyholder gets medical treatment at a hospital outside the network of HDFC Ergo General Insurance, the insurer reimburses you the incurred medical expenses subject to the sum insured. Thus, when you make a reimbursement claim, you are required to pay for all the medical expenses yourself first and then the insurer reimburses the expenses. Follow the below steps to request an HDFC Ergo General Insurance Reimbursement Claim:

    Step 1: Get Hospitalised And Intimate the Insurer

    Get hospitalised at a non-network hospital and intimate HDFC Ergo General Insurance at 022-6234-6234 / 0120-6234-6234 about your hospitalisation.

    Step 2: Collect Documents Post Discharge and Send To Insurer

    At the time of discharge, collect all required documents from the hospital and send them to HDFC Ergo General Insurance Company Ltd at the following address via post.

    HDFC Ergo General Insurance Company 5th Floor, Tower 1, Stellar IT Park, C-25,
    Sector-62, Noida, Uttar Pradesh, 201301.

    Documents Required For Health Insurance Reimbursement Claim with HDFC Ergo General Insurance

    • Valid ID proof
    • Doctor’s letter advising admission
    • Original bills from chemists and pharmacies
    • Doctor’s prescription for medical tests, medicines, consultations etc.
    • Original receipts, bills, and discharge forms signed by the doctor
    • Original diagnostic test reports, radiology reports and payment receipts
    • First Information Report (FIR), in a police case.

    Step 3: Documents Scrutiny And Approval

    At this stage, HDFC Ergo General Insurance will check all the documents submitted by you and either accept or reject your claim.

    Step 4: Settlement of Claim

    Upon approval of your claim, HDFC Ergo General Insurance will reimburse the amount via NEFT. The insurer claims to reimburse the amount within 3 days.

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    FAQ About HDFC ERGO Health Insurance

    • 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. 


    • 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.


    • 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 or through 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.


    • 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.

    • What is the customer care number of HDFC Ergo?

      The customer care number for HDFC Ergo is 022 6234 6234.

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