HDFC ERGO Health Insurance
Cashless Approval TAT | Within 37 mins |
Claim Settlement Ratio | 99.80% |
Network Hospitals | 13,000+ |
PED Coverage Starting From | 3 year |
Special Benefits | 2X Cover from Day 1 |
Starting Premium | Rs. 1090/month |
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
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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)
Optima Restore
Cover
5 Lakh
Cashless Hospital
11693
Starting From ₹ 1,391/month*
Optima secure
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 Plan | Sum Insured | |
Optima PlusMin: 91 Days; Max: 65 Years | 5 Lakh | Check Premium |
my: Health Medisure Super Top-upMin: 3 Months; Max: 65 Years | 3 Lakh | Check Premium |
Optima SuperMin: 91 Days; Max: 65 Years | 5 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 |
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 |
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
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- 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
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
FAQs
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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.
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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.
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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.
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What is the customer care number of HDFC Ergo?
The customer care number for HDFC Ergo is 022 6234 6234.