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HDFC ERGO Health Insurance

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HDFC ERGO Health Insurance
Highlights
Cashless Approval TATWithin 37 mins
Claim Settlement Ratio99.80%
Network Hospitals13,000+
PED Coverage Starting From3 year
Special Benefits2X Cover from Day 1
Starting Premium Rs. 1090/month
Wish

Written by Sharad Bajaj

Updated Oct 23, 2024

HDFC ERGO Health Insurance is one of the largest health insurance companies in India. HDFC ergo is the alliance between Housing Development Finance Corporation Ltd. (HDFC) and ERGO International AG, the primary insurance entity of Munich Re Group. It has a happy customer base of 1.6 crore+ and 13000+ network hospitals where you can get cashless benefits in hospitalisation.

About HDFC ERGO Health Insurance

HDFC ERGO Health Insurance is the leading health insurance provider in India. They offer a wide range of health insurance plans to their customers with the convenience of premium starting at Rs.19/Day.

Key Features

Listed below are the key features of HDFC ERGO Health Insurance:

  • Secure Benefit: HDFC ERGO provides 2X coverage from day 1 after purchasing a health insurance plan. This benefit is available in plans like Optima Secure.
  • No Room Rent Sub-Limit: During your hospitalisation, you do not have to think about room rent and the type of room to choose for treatment because HDFC ERGO health insurance plans come with no room rent limit.
  • Cashless Treatment: With a network of 13000+ hospitals, the company provides cashless treatment to their customers at network hospitals. In the case of an emergency, you can get medical treatment without worrying about bills.
  • Free Preventive Health Check-ups: The insurer provides free health check-ups at the time of policy renewal to the policyholder. If there are any health issues then it will get diagnosed early at the very first stage.
  • Pre and Post-Hospitalisation: The best part about the HDFC ERGO health insurance is that it covers the pre and post-hospitalisation expenses in pre-hospitalisation expenses of 60 days before the admission date are covered and expenses of up to 180 days after the discharge date are covered.

Health Insurance Calculator

Whom do you want the insurance for ?

You
Couple
Family
Father
Mother

Select the age of all members

  • You

Where do you live ?

Choose required Coverage for yourself?

5 Lac
10 Lac
25 Lac
Disclaimer : Actual Premium might vary basis your location, age and number of members

Key Metrics 

Key Metrics

Data

Claim Settlement ratio

99.80%

Solvency Ratio

1.81

Lives Covered

1.6 crore+

Launch Year

2002

* Claim Settlement Ratio is the metric that states what percentage of claims settled by the company in the given financial year.

* Solvency ratio is used to calculate the financial stability of the company. It is used to measure whether the company is capable of paying its long-term debt or not.

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

    11693

    Starting From 1,391/month*

  • Cover

    5 Lakh

    Cashless Hospital

    11693

    Starting From 1,312/month*

Eligibility to Purchase HDFC ERGO Health Insurance Plan

There are eligibility criteria that should be fulfilled by an individual for purchasing HDFC ERGO Health Insurance.

  • The minimum age to purchase the health plan is 18 years old and there is no maximum age limit.
  • In the family floater plan the minimum age to add children is 91 days and the maximum age is 25 years old. For adults, the minimum is 18 years old and it goes up to 65 years old.

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

Top plans offered by HDFC ERGO Health Insurance

Here are the top 4 plans offered by HDFC ERGO Health Insurance Limited:

Plans

Plans Type

Sum Insured

Suitable For

Optima Secure

Individual and Family Floater

Rs.5 Lakh to Rs.2 Crore

Family

Optima Secure Global

Individual and Family Floaters

Rs.5 Lakh to Rs.2 Crore

Family

Optima Restore

Individual and Family Floaters

Rs.3 lakh to Rs.50 Lakh

Family


Riders Offered by HDFC ERGO Health Insurance

Riders provided by HDFC ERGO Health Insurance

  • OPD Riders: You can add, Out Patient Department (OPD) riders to your base plan and avail of the coverage of medical treatment expenses like doctor consultation fees, medical tests etc.
  • Unlimited Restore of the Sum Insured: The Company offers riders to their customers in which there is the benefit of unlimited restoration of the sum insured after every claim.
  • Hospital Cash Benefits: In the hospital cash benefits you will get a fixed amount for daily out-of-pocket expenses for a fixed period of time.
  • Individual Personal Accident Riders: In the case of the accidental death of an individual a lump sum amount is given to the family or to their dependables

* Please Note: All the riders offered by the company are paid one and you have to pay an extra premium for that to get the benefits of riders. These riders depend on the plan you have purchased.

How to Purchase HDFC ERGO Health Insurance Policy?

HDFC ERGO Health Insurance can be purchased either through online or from the agent of the company.

Purchase HDFC ERGO Health Insurance Policy via the Insurer’s Website

Please follow the given below process for purchasing HDFC ERGO Health Insurance from its official website:

STEP 1: Visit HDFC ERGO Website

On your search engine, open HDFC ERGO's official website and there will be options available for different types of insurance. Click on health insurance from the given options.

STEP 2: Select the Plan Type

Choose the plan type according to your needs, if you are married then choose family and if you are single then choose individual.

STEP 3: Fill in the Required Details

There you will be asked to fill in details of your family size, sum insured, Pincode and mobile number.

STEP 4: Choose the Plan

Choose the appropriate plan that fulfils your needs and covers all your medical-related expenses.

STEP 5: Make Premium Payment Online

After choosing the plan go to the payment option and choose the payment option according to your convenience and make payment of the premium.

Documents Required for Purchasing Your Policy

    • Copy of the Proposal Form and OTP Verification
    • Medical Reports
    • Address Proof (Aadhaar Card, Passport, Driving Licence, Electricity Bill, Telephone Bill, Voter ID).
    • Proof of age (10th or 12th Mark Sheet, Voter’s ID, Passport, PAN Card, Driving Licence)
    • Passport-size Photographs

HDFC ERGO Network Hospitals in Bareilly

Change City
  • CHANDRALOK HOSPITAL

    PILIBHIT BYPASS ROAD BARELLY,PINCODE-243006

  • CARE HOSPITAL.

    STADIUM ROAD NEAR DELAPEER PETROL PUMP ,NEAR DELAPEER PETROL PUMP, PINCODE- 243122

  • AROGYADHAM BHAGEL HOSPITAL

    B-51,RAJENDRANAGAR,PINCODE-243122

  • RAVI KANWAL NURSING HOME PVT LTD

    # 91,JANAKPURI,PINCODE-243122

  • SARAN HOSPITAL

    73 - A,MALGODAM ROAD,NEAR RAILWAY JUNCTION,BAREILLY,PINCODE-243001

  • MAJOR NURSING HOME

    MACNAIR ROAD,NEAR BASANT CINEMA,NEAR DHARAM KANTA,PINCODE-243005

  • AJAY PRATIMA HOSPITAL

    57,BRIJLOK,NEAR PREM NAGAR DHARAM KANTA BAREILLY,PINCODE-243005

  • K.K. HOSPITAL AND KIDNEY CENTRE

    364-A,RAJENDRA NAGAR,PINCODE-243122

  • NBCC (NEW BORN CHILD & CRITICAL CARE CENTRE)

    35-Z-1,RAMPUR GARDEN,PINCODE-243001

  • KESHLATA CANCER HOSPITAL LTD

    STADIUM ROAD,DELAPEER STADIUM ROAD,PINCODE-243122

How to Claim Your Health Insurance?

HDFC ERGO Health Insurance provides cashless benefits to their customers at network as well as non-network hospitals. To get a claim for planned hospitalisation you have to inform the insurer before 48 hours of hospitalisation and in an emergency you have to give information within 24 hours of admission. You have to visit the official website of HDFC ERGO and you can file your claim online by clicking on the claim option. Kindly read the terms and conditions of your policy document before filing the claim.

Awards and Achievements of HDFC ERGO Health Insurance

  • Gold Award for Social Media App (Innovative)- 2024
  • Best Customer Retention Initiative of the Year in Insurance- 2024
  • Best General Insurance Company -2024
  • Most Innovative Mobile App -2024
  • Best General Insurance Company & Best Health Insurance Company- 2023

HDFC ERGO Health Insurance - Customer Service & Support

To connect with the HDFC ERGO customer service and support team you can:

Connect on Whatsapp by sending “Hi” on 8169500500

For Claims, Renewal, or Queries Related to Existing Policy Visit 0226234 / 012062346234

Network Hospital Issues: nsp@hdfcergo.com

You can also connect with InsuranceDekho's Customer Support Team by sending an email to support@insurancedekho.com or by calling +91-755 1196 989.

Complaints & Grievance Redressal

For any complaints and grievances related issues you can contact on 02262346234

Email on - care@hdfcergo.com

Wish

Written by Sharad Bajaj

Sharad is an insurance industry veteran who has managed motor insurance products for over a decade. Read More

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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  • Price
  • Helpful
  • Network Hospitals
  • Claim
  • Renew
  • Premium
  • Top up
  • Critical Illness
  • Customisation Options

    I liked that I could customise my health insurance plan to fit my specific needs. InsuranceDekho offers a lot of flexibility in terms of coverage and add-ons. Purchasing HDFC Ergo Health Insurance was quick.

    A
    HDFC ERGO
    By Anita Singh
    On: Jul 04, 2024
  • The affordable plan

    The health insurance plans offered by HDFC ERGO combine affordability and thorough coverage. Their policies are open and honest, devoid of any surprises or obscure language. InsuranceDekho’s easy process of choosing HDFC ERGO's health insurance made my future secure. Their commitment to client satisfaction is what makes them stand out; their support staff is always on hand to quickly resolve any questions or issues.

    M
    HDFC ERGO
    By Mukesh Yadav
    On: Jun 25, 2024
  • Comparison between plans was v...

    Using InsuranceDekho to obtain HDFC ERGO Health Insurance was a great decision. The website facilitated plan comparison, and the transaction was seamless. The customer service is excellent and the coverage is comprehensive. Extremely happy!

    V
    HDFC ERGO
    By Varsha Agarwal
    On: Jun 24, 2024
  • Fast and easy process

    Needed health insurance pronto. InsuranceDekho's comparison tool saved me loads of time. Found a plan that fit my needs and budget perfectly. HDFC Ergo helped during the most crucial times.

    S
    HDFC ERGO
    By Satakshi Soni
    On: May 29, 2024
  • Customer care assistance while...

    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