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

Whom do you want the insurance for ?

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Father

Mother

Select the age of all members

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Where do you live ?

Enter Area Pincode

Choose required Coverage for yourself?

5 lac (Recommmended)

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

Rating of Optima Plus

4.3

Based on

18 User reviews

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

Why to Buy Health Insurance Policy Online from InsuranceDekho

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

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

Page 2 of 2 pages

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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.