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HDFC Ergo Health Insurance plans
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HDFC ERGO Health Insurance
HDFC ERGO Health Insurance
HDFC ERGO General Insurance is a leading general insurer in India, formed as a joint venture between HDFC Ltd. and ERGO ...Read More
15,000+
Cashless hospitals
95.3%
Claim settlement
2 Cr
Max sum insured
13
Active plans
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,708 reviews
🏥 15,000+ hospitals
📊 2x solvency ratio
✅ 95.3% claim settlement
What you get with HDFC ERGO Health Insurance
The headline features and policy mechanics, at a glance.
Sum insured up to 2 Cr
Coverage scales from entry-level individual plans to high-end family-floater protection.
15,000+ cashless hospitals
Direct billing at network hospitals across 200 presence — no out-of-pocket payment at admission.
95.3% claim settlement
Industry-leading approval rate on eligible claims received in the most recent fiscal year.
2x solvency ratio
Well above IRDAI's 1.5× floor — strong indicator of long-term claim-paying ability.
13 active plans
Choose from individual, family floater and senior-citizen variants to match your household.
About HDFC ERGO Health Insurance
A quick overview of the insurer — parent group, brand history, and where they sit in the Indian health-insurance market.
HDFC ERGO Health Insurance: An Overview
Health Insurance provides financial support by covering healthcare expenses during medical emergencies. Therefore, it is crucial to choose health insurance that offers comprehensive coverage. HDFC ERGO is one of the best health insurance companies, committed to providing 360-degree coverage. The company was founded as a joint venture between HDFC Limited and ERGO International AG, a Germany-based company, and became HDFC ERGO General Insurance in 2020. They offer a variety of insurance products like motor, health, travel, home, personal, marine, and much more.
What does HDFC ERGO Health Insurance do?
In the health insurance vertical, HDFC ERGO General Insurance showcases a wide array of products. These products include customized health insurance policies created for individuals, families, parents, and senior citizens. They also offer tailored coverage for critical illness and personal accidents, which you can avail during any emergency.
Some Interesting Facts About HDFC ERGO Health Insurance Company
- HDFC ERGO General Insurance Company Limited was promoted by erstwhile Housing Development Finance Corporation Limited.
- Earlier, HDFC ERGO Health Insurance was known as Apollo Munich Health Insurance Company.
- With a claim settlement ratio of 95.30% and a solvency ratio of 1.68%, HDFC ERGO General Insurance Company has established itself as a leading player in the health insurance sector.
Key Highlights of HDFC ERGO Health Insurance
- 15000+ Network Hospitals
- 1.68 Solvency Ratio
- 87.70% Incurred Claims Ratio
- Up to 2 Cr Sum Insured
- 24X7 Customer Support
Features that set HDFC ERGO apart:
- Special health plans for autism and diabetes
- A comprehensive wellness system to promote a healthy lifestyle
- Emergency air ambulance services
- International travel for treatments
- Unlimited teleconsultations
HDFC ERGO's Awards and Achievements
- BFSI Leadership Awards 2022 for Cyber Insurance and Optima Secure Health Insurance.
- ETBFSI Excellence Awards 2021 for best COVID strategy implemented - Customer Experience.
- FICCI Insurance Industry Awards September 2021, for claims and customer service excellence.
Choose HDFC ERGO Health Insurance Coverage of Your Choice
Select a sum insured option below to compare health plans matching your coverage need.
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences, and a recommendation on who should buy.
HDFC Ergo Health Insurance Plan Detailed Review
All 13 HDFC ERGO Health Insurance plans
Every plan currently being sold by HDFC ERGO Health Insurance, shown side-by-side so you can shortlist quickly.
Optima Lite Health Insurance Plan
HDFC ERGO Optima Lite Health Insurance Plan is an affordable policy providing necessary health insurance coverage to individuals and famili…
- Affordable premiums
- Unlimited restore benefit
- No disease-wise sub-limits
HDFC ERGO Optima Restore Plan
HDFC ERGO Optima Restore Policy is the best-selling plan of HDFC ERGO since its launch. It offers comprehensive health cover to you and you…
- Restore benefit
- 2X Multiplier benefit
- Renewal discounts
HDFC ERGO Koti Suraksha Plan
HDFC ERGO Koti Suraksha is a health insurance plan that provides a sum insured of up to INR 1 crore. Koti Suraksha Plan by the HDFC ERGO In…
- Air ambulance
- OPD cover
- Domiciliary hospitalization
- Emergency global coverage
My Health Medisure Super Top Up
HDFC Ergo super top-up plan is the best option by HDFC Ergo to ensure a cushion of ample cover to get the best medical treatment without an…
- Day care procedures
- High sum insured
- 6-hour response guarantee
HDFC ERGO Health Wallet Family Floater
HDFC ERGO Health Insurance's Health Wallet plan is a comprehensive health insurance plan that not only ensures your health today but also s…
- Inpatient and outpatient cover
- OPD cover
- domiciliary hospitalization
HDFC ERGO Energy Diabetes Plan
HDFC ERGO Health Insurance offers an Energy Diabetes plan ideal for those suffering from Type 1 diabetes, Type 2 diabetes mellitus, pre-dia…
- Personal health coach
- Rewards for premium discount
- Diabetes and Hypertension cover
My:Health Suraksha Smart Plan
HDFC ERGO Health Suraksha Plan is a comprehensive plan that provides 360-degree protection against rising medical expenses. Designed for in…
- Air ambulance cover
- Recovery benefit
- Infertility cover
HDFC ERGO iCan Cancer Insurance Plan
iCan Cancer Insurance is a cancer-specific plan offered by HDFC Health Insurance Company. The plan covers medical expenses incurred during …
- Cancer cover
- In-patient hospitalization
- Ambulance cover
HDFC ERGO Personal Accident Insurance
The HDFC ERGO personal accident insurance plan offers global coverage and lifelong renewability. No pre-policy medical check-ups are requir…
- Accidental Death
- Permanent Total Disability
- Broken Bones
- Burns
HDFC ERGO Optima Secure Plan
The HDFC ERGO Optima Secure Plan is designed to provide policyholders with improved financial protection against increased healthcare costs…
- Hospital Cash Benefit
- No Cost Instalment Option
- Restore Benefit
- Unlimited Restore
HDFC ERGO Optima Secure Global Plan
HDFC ERGO Optima Secure Global plan is known for its vital and extended coverage within or outside India, covering you without boundaries. …
- Pre and post-hospitalisation
- Organ donor expenses
- AYUSH treatment
HDFC ERGO Arogya Sanjeevani Policy
The Arogya Sanjeevani Policy from HDFC ERGO is a basic plan designed for individual or family floater coverage. It provides precise medical…
- Pre and post-hospitalization
- Doctor consultation
- AYUSH treatment
- Preventive health check-ups
My:Health Women Suraksha Policy
HDFC My:Health Women Suraksha is a comprehensive policy designed to cater to the evolving health and well-being needs of today's women. The…
- Lifetime renewal
- Wellness Incentives
- Add-On Coverage
Quick comparison
Side-by-side across the 3 most-bought HDFC ERGO Health Insurance plans on PolicyX.
| Feature | Optima Lite Health Insurance Plan | HDFC ERGO Optima Restore Plan | HDFC ERGO Koti Suraksha Plan |
|---|---|---|---|
| Plan type | Individual | Individual and Family Health Insurance | Individual and Family Health Insurance |
| Sum insured | ₹5 lakh, ₹7.5 lakh | 3 L, 5 L, 10 L, 15 L, 20 L, 25 … | 50 L, 1 Cr |
| Entry age | Children: 91 days Adults: 18 years | 5 to 65 years | Minimum: 18 years Maximum: 65 years |
| Top benefits | Affordable premiums · Unlimited restore benefit | Restore benefit · 2X Multiplier benefit | Air ambulance · OPD cover |
What's covered — and what's not
The standard inclusions and exclusions across HDFC ERGO Health Insurance plans. Specific plans may add benefits — always check the policy wording before purchase.
✓ Inclusions
- HDFC ERGO Health Insurance offers products that cover pre and post-hospitalization expenses related to in-patient hospitalization.
- Most HDFC ERGO Health Insurance plans have in-built alternative treatment cover, which you can utilize. AYUSH treatments include Ayurveda, Unani, Siddha, and Homeopathy treatments.
- HDFC ERGO health insurance plans cover your hospital expenses such as room rent, ICU charges, surgery costs, doctor consultations, and other related expenses.
- Many procedures do not require 24-hour hospitalization. HDFC ERGO health insurance plans are designed to cover such daycare procedures for policyholders.
- On a doctor’s recommendation, a policyholder can avail medical care in the comfort of their home. HDFC ERGO health insurance plans cover domiciliary hospitalization up to specified sub-limits.
✗ Exclusions
- HDFC ERGO health policies will not cover injuries or hospitalization caused by self-harm.
- HDFC ERGO Health Insurance plans do not cover cosmetic surgeries or treatments.
- HDFC ERGO Health Insurance plans will not cover hospitalization or accidents caused by adventure sports.
- HDFC ERGO Health Insurance plans do not cover treatments related to obesity and weight management, such as bariatric surgeries.
- HDFC ERGO health insurance company plans do not cover individuals or families for hospitalization or injuries caused by unlawful activities.
Documents required
For policy purchase and claim submission. Have these ready before you start.
- Duly completed and signed claim form (original)
- Valid photo-ID proof
- Medical practitioner's referral letter and prescription (original)
- Original bills, receipts, and discharge cards from the hospital/medical practitioner
- Original bills from pharmacy/chemists
- Original pathological/diagnostic test reports/radiology reports and payment receipts
- Indoor case papers
- First Information Report (FIR) and final police report, if applicable
- Post-mortem report, if conducted
- Any other document required by the company to assess the claim
Waiting periods
When specific benefits become claimable after policy start.
What Are The Different Waiting Periods In HDFC ERGO Health Insurance Plans?
Initial Waiting Period
The first 30-day waiting period is the initial waiting period or cooling period that applies to most HDFC ERGO health insurance policies.
Pre-existing Disease Waiting Period
HDFC ERGO Health Insurance plans cover listed pre-existing diseases, but requires completion of a specific waiting period, as determined at the time of policy issuance.
Disease-specific Waiting Period
Certain diseases, such as Cataract, ENT conditions, and Hernia, have specific waiting periods.
Waiting Period for Maternity Cover
Many insurance policies include a waiting period before you can claim for maternity expenses under health insurance plans.
Buy, claim, renew, port — step-by-step
Step-by-step guides for the four moments that matter most in your policy lifecycle. Click a tab to switch.
If you are looking to purchase HDFC ERGO Health insurance online, follow these simple steps:
- Step 1
Visit the PolicyX health insurance page, and enter your details such as name, age, number of members to be covered, and city.
- Step 2
Click on 'Get free quotes' and compare HDFC ERGO Health Insurance Plans as per your needs.
- Step 3
Select and pay premiums online for your chosen HDFC ERGO health insurance plan.
- Step 4
Our team of insurance experts at PolicyX will provide you with all necessary assistance regarding claims and other queries post-purchase of your HDFC ERGO Health Insurance plan.
You can file for both cashless and reimbursement claims for your HDFC ERGO Health Insurance Plans by following these easy steps:
- Step 1
Visit the website of HDFC ERGO Health Insurance, select the "Claim" option, and then click on "Claim Intimation" to access the form.
- Step 2
Select "health claim" and provide the required information, including policy number, date of birth, and other details.
- Step 3
Select the "claim type" (cashless or reimbursement). Click "authorize" to receive an OTP on your verified number.
- Step 4
Verify with the OTP and fill in the required hospital admission information. Select the hospital, or provide hospital details if it's a non-network hospital.
- Step 5
Upload the requested documents and click "review".
- Step 6
After reviewing, submit the intimation for the company's review. You will receive a claim intimation number, which should be noted for future reference.
Follow these steps for HDFC ERGO Health Insurance policy renewal:
- Step 1
Visit the official website of HDFC ERGO Health Insurance Company.
- Step 2
Click on the ‘Renew’ tab.
- Step 3
Enter your Policy Number, Date of Birth, and other required details.
For assistance with HDFC ERGO health insurance policy renewal, contact our insurance experts at 1800-4200-269.
To port your existing policy to HDFC ERGO Health Insurance, follow the steps mentioned below:
- Step 1
Submit the application to HDFC ERGO Health Insurance Company at least 30 days before your existing health plan's renewal date.
- Step 2
As per the guidelines of IRDAI, the new insurance company will cross-check your medical and claims history with the previous insurer within 7 days of receiving the portability form.
- Step 3
Once the policyholder's details are verified, the new insurance company must communicate its decision – either approval or rejection – within 5 days.
Compare and calculate the best HDFC ERGO health policies with the PolicyX premium calculator by following these simple steps:
- Step 1
Visit the official website of PolicyX.
- Step 2
Fill in details such as name, number of family members to be covered, city, and other relevant information.
- Step 3
Click on 'Get Quotes'.
For inquiries regarding HDFC ERGO health insurance policy premiums, connect with PolicyX health insurance experts at 1800-4200-269
Frequently asked questions
The 14 most-asked questions about HDFC ERGO Health Insurance, answered.
You can include your kids post 90 days of birth up to 21 years of age in HDFC health insurance policies.
Yes, to buy HDFC health insurance policy, you may be required to undergo a medical examination. Some health insurance policies only require it if you have a pre-existing condition or you are above 40yrs of age.
If you are suffering from health-related problems at the time of buying a health insurance plan or you have had any medical history such as hypertension, high blood pressure, diabetes, etc then this should be informed to your respective health insurance company. HDFC ERGO covers pre-existing diseases after a 4 years waiting period. So once your waiting period is covered for the informed diseases, you can claim under it.
Yes, You can add a family member to your existing plan. But for this you need to fill the required forms, such as the health declaration form and endorsement form and pay an extra premium amount.
You can file any number of claims over a year. However, this should be kept in mind that the claim amount should not exceed the sum assured of your plan. For example, if you have a health insurance of INR 2 lakh, then you can claim up to INR 2 lakh only from your insurance company.
HDFC ERGO goes beyond health insurance; it cares not only for the physique but for the mind of the policyholder as well. Integrated Wellness application will help you to embrace a healthy lifestyle, track your calorie intake, monitor your physical activity, maintain proper health care, and enjoy well-being at its best.
Yes, it is possible, if required. You can change the hospital at the time of your treatment. However, you are required to provide the necessary details for a quick and smooth process.
Most of the health insurance plans available in the market usually have a cooling period of 15 days i.e., called a free look-up period. During this, you can cancel your policy with a full premium refund. However, in that case, if you want to cancel your policy in mid then you are required to provide a suitable reason.
Yes, it is possible to port your existing health policy to HDFC ERGO health insurance, provided you have renewed your previous policy without any break.
Yes, HDFC ERGO has recently launched the facility to pay the health insurance premium in installments.
You are required to show the bills and duly file a claim application to the insurer. After the inspection, the bills are reimbursed by the insurance provided to the policyholder.
Pre-existing illnesses will be covered in the Super Top Up Policy only after 3 years of continuous coverage.
As per the IRDAI Annual report of 2021-22, the company comes with a good CSR, fulfils the solvency ratio criteria, and has a wide network of empanelled hospitals. All these features make HDFC Ergo a good choice.
Every individual has a different set of healthcare needs which may vary from individual to individual. Therefore, there are no specific criteria to select the number one health insurance. If all your healthcare needs are met by any HDFC Health plan then you should go for it.
Compare Health Insurance Companies
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Customer satisfaction
Aggregate ratings from 2,708 verified PolicyX customers who bought a HDFC ERGO Health Insurance plan.
Health Insurance Premium Calculator
PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. Input your details and find the most suitable health insurance policies for your requirements.
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Explore HDFC ERGO Health Insurance
HDFC ERGO Maternity Health Insurance
HDFC Health Insurance Customer Care
HDFC ERGO Claim Process
HDFC ERGO Health Benefits
HDFC ERGO Health Check-up
HDFC ERGO Health Policy Cancellation
HDFC ERGO Incurred Claim Ratio
HDFC ERGO Health Insurance Renewal
HDFC ERGO Claim Settlement Ratio
HDFC ERGO Premium Calculator
HDFC ERGO Policy Download
HDFC ERGO Critical Illness
HDFC ERGO Senior Citizen Health Insurance
HDFC ERGO Critical Illness
HDFC ERGO Family Plans
HDFC ERGO Insurance for Parents
HDFC ERGO Top-up Plans
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PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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