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.

HDFC ERGO Optima Plus Health Insurance User Reviews

526 reviews Rate This

HDFC ERGO

Highlights

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

Health Insurance Calculator

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Enter Your Age

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Choose required Coverage for yourself?

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

Rating of Optima Plus

4.3

Based on

18 User reviews

I like it.
This health plan is liked by me due to its affordability and brilliant features in its bucket. This is a plan that has been used in the best possible manner after the retirement as it requires no waiting period and holds the option of converting it into a fully-fledged zero deductible health insurance plan. I adore this plan.
I
Ishita Khanna
On: Feb 17, 2020
It’s got my back!
Being a top-up plan this plan has been a great assistance. It gave me a good coverage amount and number of benefits. There are many good things I have utilized with this plan. After the plan exhaustion, there is no need for me to worry as this plan has always been there to get my back.
V
Vijay Verma
On: Feb 17, 2020
Gives me peace of mind.
This health policy served me as a top-up policy. It ensured delivering an optimum protection to me during a medical contingency. When the plan is availed as a top-up plan as per the existing health insurance policy, a deductible is applied on it. This is a plan which gives me mental relief.
S
Sukhdev Singh
On: Feb 03, 2020
Special top-up plan!
The plan is a rare top-up plan. It delivered me special benefits. It lessens the chances of situations where funds may go short by providing me with assistance during medical-related contingencies. This top-up policy owns a lot of benefits, which attracted me. It is always there on my bucket list.
A
Andeep Rana
On: Feb 03, 2020
Loving this plan.
I love this plan. This is an affordable and easy to buy product and considered as a big insurance policy stuffed inside a small one. The Optima Plus plan gave me the coverage for higher medical-related costs at a nominal premium. I now have enough coverage including this plan that I need not to worry.
S
Sumit Sharma
On: Jan 21, 2020

Why to Buy Health Insurance Policy Online from InsuranceDekho

Tax benefit upto 75,000*
Claim support everyday 10AM-7PM
80 Lacs+ happy customers

Awesome one.
The Optima Plus plan is one of the rare top-up policy that never let me down. I bought this plan few years back and continuing it since then without any break. I have used it twice and found ease to get my claims settled thereafter getting the medical coverage. A top-notch plan indeed.
L
Lokesh Patidar
On: Jan 21, 2020
It’s too good.
This health policy is widely acknowledged by its policyholders for its reasonable rates due to its availability at a nominal premium. It can be used in the best manner post-retirement with no waiting period due to the option of converting it into a full-fledged nil deductible health insurance plan.
R
Rani Verma
On: Dec 23, 2019
Excellent insurance policy..
This policy is affordable and easy to buy product and is considered as a big insurance policy stuffed inside a small one. It is equipped with several benefits such as cashless service, portability, day care procedures, organ donor expenses, and so on. It comes with lifelong renewability option, which means there is no maximum cover ceasing age under this plan.
K
Karan Sehgal
On: Dec 23, 2019
Top choice!
The support staff of InsuranceDekho helped me out in finding this plan. I am very much satisfied with it due to its features and affordability. In addition to this, making payment with insurancedekho.com is easy like never before so I found no trouble in buying this top-up plan as well.
P
Priyanka Pathak
On: Dec 04, 2019
Adding happiness and health to my life
This Optima Plus Plan ensures delivering optimum protection during a medical emergency. When utilised as a top-up plan along with the existing health insurance policy, a deductible is applied on it, however, when it converts into an indemnity plan, the deductibles get waived off. This policy is acknowledged for its affordability due to being available at a nominal premium.
R
Rajneesh Sharma
On: Dec 03, 2019
Magnificent policy
Optima Plus is a top-up policy that is designed to offer additional help to the policyholders when their existing plans fall short to cover medical contingencies. It functions as a spare tool of the vehicle which never leads it to stop in the midway due to a breakdown. I love this top-up policy as it is affordable and easy to buy product.
A
Amita
On: Nov 14, 2019
Great insurance plan!!
The plan is a great health insurance option to opt for. It never left me alone in difficult times and stands by my side with additional coverage in last 3 years. It is one of the rare top-up policy that comes with the feature of conversion into a nil deductible health insurance plan at the time of retirement.
A
Ankesh Kumar
On: Nov 13, 2019
Plan for difficult times
The Optima Plus Plan is a unique health insurance plan that serves as a top-up policy. It ensures delivering optimum protection during a medical emergency. It worked in the best manner when my existing plan was falling short. I am so much thankful to this plan that I can’t tell.
A
Avdhesh Kumar
On: Nov 01, 2019
A plan for young and old!
The plan is a great health insurance option to opt for. It never left me alone in my difficult time and always stood by your side with additional coverage. It is one of the rare top-up policy that comes with the feature of conversion into a nil deductible health insurance plan at the time of retirement.
S
Shyam Awasthi
On: Nov 01, 2019
Very good health plan!
It is a distinguished plan that has ensured my health protection during many medical emergencies in the last 3 years since I am using it. When I used this plan as a top-up plan along with my existing health insurance plan, a deductible was applied on it. However, deductible can be waived off. Basically, it is a good plan.
J
Jaiveer Singh
On: Oct 17, 2019
Be happy with Optima Plus.
The Optima Plus is an added advantage for anyone who have it. It comes into force when my current health insurance plan falls short of providing optimum coverage to me or gets exhausted. It is a great plan which gives me a tension free life.
T
Tejoram Chamarthi
On: Oct 17, 2019
Excellent Plan
Optima Plus ensures delivering optimum protection during a medical emergency. It is very affordable and is available at a nominal premium. I bought this plan for my father after his retirement phase. He is happy to have it.
S
Sandeep Tanwer
On: Sep 27, 2019
Satisfactory product
It is a top-up policy, designed to deliver additional assistance to policyholders when their existing plans couldn’t cover medical contingencies. I am using this plan for more than a year and very satisfied with its benefits.
K
Kamdeo Kumar
On: Sep 27, 2019

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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.

View All

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.