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HDFC ERGO Health Insurance Plans

HDFC Ergo health insurance plans provide coverage to the policyholder in case they are diagnosed with any kind of health problem. With a claim settlement ratio of 100%, HDFC Ergo is efficient in providing quick claim settlement. HDFC Ergo also provides several other benefits like renewal discounts, no claim bonus, and more so that policyholders can buy health insurance plans at very affordable rates. Some of the best health insurance plans that HDFC Ergo offers are detailed in the section below.

HDFC Ergo Health Insurance Plans

The two popular HDFC Ergo medical insurance offers are as follows:

  • HDFC Ergo Optima Secure

The HDFC Ergo Optima Secure is one of India's top-selling health insurance plans, which can be bought as an individual and family floater plan. On buying the HDFC Ergo health insurance plan, policyholders can choose a sum insured ranging between Rs. 5 lakhs to Rs. 2 crores and a policy term of 1, 2, or 3 years. Moreover, the best part about buying this plan is that it offers different types of discounts to save on health insurance premiums. The different types of discounts available include online discounts, family discounts, long-term discounts, and loyalty discounts.

The coverage offered under this HDFC ERGO health insurance company plan includes pre and post hospitalisation, all-day care treatments, preventive health check-ups, emergency air ambulance, road ambulance, daily hospital cash, disposable cover, procedure expenses, and a lot more. The HDFC Ergo Optima Secure plan has no cappings such as room-rent cappings, disease-based capping, or co-payment which makes it a highly preferred option.

Key Features:

Sum Insured

Rs. 5 lakhs - Rs. 2 crores

Policy term

1, 2, or 3 years

Claim Process

Cashless or Reimbursement

Online Discounts

Yes, available

  • HDFC Ergo Optima Restore

Key Features:

Sum Insured

Rs. 3 lakhs - Rs. 50 lakhs

Variant

Family or individual

Restoration Benefits

Yes, available

Claim Process

Cashless or reimbursement

Another health insurance plan that you can consider buying with HDFC Ergo is the HDFC Ergo Optima Restore. This plan can also be bought as an individual health plan and the sum insured option ranges between Rs. 3 lakhs to Rs. 50 lakhs. It is also a type of HDFC Ergo family plan that provides coverage for all family members under one plan. The HDFC Ergo Optima Restore restores your sum insured by 100% after you have raised your first health insurance claim. Moreover, it also offers complimentary health check-ups, daily hospital cash, organ donor expenses, modern treatment, day-care procedures, and a lot more. The HDFC Ergo Optima Restore plan also offers family discounts so that you can further save on health insurance premiums.

Why Should You Buy HDFC Ergo Health Insurance Plans?

Listed below are the reasons why you should choose to buy health insurance plans with HDFC Ergo:

  • Network Hospitals: HDFC Ergo has tie-ups with over 12,000 network hospitals. At these network hospitals, policyholders can enjoy cashless treatment and get quality treatment without worrying about medical expenses. The higher number of network hospitals makes it easier for HDFC Ergo policyholders to locate a nearby network hospital.
  • Claim Settlement Ratio: HDFC Ergo health insurance has a claim settlement ratio of 100%. The claim settlement ratio is indicative of the company’s efficiency in settling claims. Moreover, HDFC Ergo has a dedicated claim support team to help policyholders with claim settlements.
  • Tax Savings: On buying HDFC Ergo health insurance plans, policyholders can also save on taxes. As per section 80D of the Income Tax Act, HDFC Ergo health insurance plans are eligible for tax savings.
  • Coverage: The health insurance plans that HDFC Ergo offers have extensive coverage. The coverage offered under these plans includes pre and post hospitalisation, day care treatments, home treatments, AYUSH treatment, organ donor expenses, and a lot more.

How to Buy HDFC Ergo Health Insurance with InsuranceDekho?

Listed below are the steps you need to follow to buy HDFC Ergo health insurance plans with InsuranceDekho:

  • Go to the health insurance option on InsuranceDekho website
  • Click on health insurance companies icon and select HDFC Ergo Health insurance
  • Select a desired HDFC Ergo health insurance plans
  • Upload all the necessary documents to complete the KYC process
  • Make an online premium payment once the KYC process is completed
  • You will get the policy document at your registered e-mail address

Health Insurance Calculator

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

HDFC ERGO Health Insurance Plan List

  • Individual (1)
  • Family (2)
  • Woman (2)
  • Parents (2)
  • Blood Pressure (2)
  • Kids (2)
  • Thyroid (2)
  • Diabetes (2)
  • Cover

    5 Lakh

    Cashless Hospital

    9552

    Starting From 1,391/month*

  • Cover

    5 Lakh

    Cashless Hospital

    9552

    Starting From 1,312/month*

Tax Save
Save Tax upto ₹75000*
Under Section 80D

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

HDFC ERGO Health Insurance Top Up List

  • Top-up (4)
  • Family (1)
  • Individual (1)
Name of PlanSum Insured
Optima PlusMin: 91 Days; Max: 65 Years5 Lakh Check Premium
my: Health Medisure Super Top-upMin: 3 Months; Max: 65 Years3 Lakh Check Premium
Optima SuperMin: 91 Days; Max: 65 Years5 Lakh Check Premium

Health Insurance Coverage Calculator

Who do you want to insured ?

  • Individual
  • Couple
  • Family
  • Parents

Age of eldest insured member ?

Where do you live ?

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

Health Insurance News

FAQs

  • What are the types of plans offered by HDFC Ergo?

    HDFC Ergo best health insurance plans involve 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 HDFC Ergo best health insurance plans that are specifically designed keeping the diverse health insurance needs of customers in mind. Moreover, HDFC health insurance policy 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 HDFC Medical Insurance plans online through the HDFC Ergo website www.hdfcergo.com or through www.insurancedekho.com. Remember, you can make use of net banking, debit card, or credit card to pay the premium of HDFC health insurance policy as the company allows flexible payment modes. 

  • Is there a limitation on the entry age for buying HDFC medical insurance plans?

    The entry age for children is 91 days. However, there is no maximum entry age for adults to buy HDFC Ergo health insurance plans.

  • What is the customer care number of HDFC Ergo?

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

User Reviews

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What users are saying
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    In all honesty, my choice of HDFC Optima Secure Health Insurance proved to be a lifesaver. It provided me with immediate assistance by paying for my unforeseen hospital bills. The procedure went smoothly, and InsuranceDekho's assistance was first-rate. I urge everyone to purchase it!

    K
    HDFC ERGO
    By Kanishka Gupta
    On: May 21, 2024
  • Perfect Policy

    HDFC ERGO Health Insurance Plan is the most suitable health insurance policy. I learned about this health insurance plan during my online search at InsuranceDekho’s website. It comes at an affordable premium. I bought it without any delay. Recommend this health policy to everyone! Thank You

    S
    HDFC ERGO
    By Simrat Kaur
    On: Apr 02, 2024
  • Affordable Policy

    My HDFC ERGO Health Insurance Plan is an affordable policy that covers me for major healthcare expenses. I bought the health policy after discussing my requirements with the experts at InsuranceDekho and I am thankful to the customer support team for suggesting me the best health insurance policy. Thank You!

    M
    HDFC ERGO
    By Manoj Kumar
    On: Mar 21, 2024
  • Compared all the plans easily

    I visited the website of InsuranceDekho, where I compared so many health insurance plans and policies. The comparison is very easy as there is a feature on the website which compares the price itself. I was totally satisfied with it and purchased the HDFC ERGO Health Insurance Plan.

    A
    HDFC ERGO
    By Ashutosh Yadav
    On: Mar 19, 2024
  • Top-Notch Support Team

    I've had the pleasure of interacting with InsuranceDekho's customer care team, and they're top-notch. They guided me through the health insurance selection process to buy the HDFC ERGO Health Insurance Plan for my parents and made it a breeze. Thank you InsuranceDekho team.

    P
    HDFC ERGO
    By Pooja Sharma
    On: Mar 14, 2024

Network Hospital in Popular Cities

CityNo of Hospital
Lucknow114
Chennai298
Pune299
Ahmedabad266
Indore73
Ghaziabad87
Patna64
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