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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.
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
- Affordable premiums
- Unlimited restore benefit
- No disease-wise sub-limits
HDFC ERGO Optima Restore Plan
- Restore benefit
- 2X Multiplier benefit
- Renewal discounts
HDFC ERGO Koti Suraksha Plan
- Air ambulance
- OPD cover
- Domiciliary hospitalization
- Emergency global coverage
My Health Medisure Super Top Up
- Day care procedures
- High sum insured
- 6-hour response guarantee
HDFC ERGO Health Wallet Family Floater
- Inpatient and outpatient cover
- OPD cover
- domiciliary hospitalization
HDFC ERGO Energy Diabetes Plan
- Personal health coach
- Rewards for premium discount
- Diabetes and Hypertension cover
My:Health Suraksha Smart Plan
- Air ambulance cover
- Recovery benefit
- Infertility cover
HDFC ERGO iCan Cancer Insurance Plan
- Cancer cover
- In-patient hospitalization
- Ambulance cover
HDFC ERGO Personal Accident Insurance
- Accidental Death
- Permanent Total Disability
- Broken Bones
- Burns
HDFC ERGO Optima Secure Plan
- Hospital Cash Benefit
- No Cost Instalment Option
- Restore Benefit
- Unlimited Restore
HDFC ERGO Optima Secure Global Plan
- Pre and post-hospitalisation
- Organ donor expenses
- AYUSH treatment
HDFC ERGO Arogya Sanjeevani Policy
- Pre and post-hospitalization
- Doctor consultation
- AYUSH treatment
- Preventive health check-ups
My:Health Women Suraksha Policy
- 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 |
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
Pick any two insurers to see a detailed side-by-side comparison.
Other Health Insurance Companies
Compare HDFC ERGO Health Insurance mediclaim policies with other top insurers in India.
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.
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
Written and reviewed by
PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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