Hdfc Ergo vs Aditya Birla Health Insurance 2026 | PolicyX

Overview

HDFC ERGO (a JV of HDFC Ltd. and ERGO/Munich Re) offers health, motor, travel and home insurance. After merging with Apollo Munich in 2020, it strengthened its health segment.
COMPANY DETAILS ✎ Edit

Hdfc Ergo

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Aditya Birla

Number of health insurance plans
Sum insured

Sum Insured

Up to ₹ 2 Cr

Sum Insured

Up to ₹ 1 Cr
Claim ratio

Claim Ratio

95.30%

Claim Ratio

96%
Network hospitals

Network Hospital

15000+

Network Hospital

12900+
Solvency Ratio

Solvency Ratio

2.00

Solvency Ratio

1.88
Pan India Presence

Pan India Presence

200

Pan India Presence

4800
Claim Form

Claim Form

Available

Claim Form

Available
Annual premium (company level)

Annual premium (company level)

6,099.76 Crore

Annual premium (company level)

4,821.70 Crore
Years in operation

Years in operation

2006

Years in operation

2016
24×7 claim support

24×7 claim support

Yes

24×7 claim support

Yes
Claims settled within 3 months

Claims settled within 3 months

99.16

Claims settled within 3 months

92.97
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HDFC Ergo Health Insurance Plan Detailed Review

▶ HDFC Ergo Health Insurance Plan Detailed Review

Aditya Birla Health Insurance Review

▶ Aditya Birla Health Insurance Review

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HDFC ERGO Health Insurance

Individual and Family Health Insurance

HDFC ERGO Arogya Sanjeevani Policy

HDFC ERGO's Arogya Sanjeevani Policy is a foundational health plan, available for individuals or families, offering up to 10 Lakhs...

  • 3 plan variants
  • Double coverage
  • E-opinion on critical illnesses
  • Pre and post-hospitalization
  • Doctor consultation
  • AYUSH treatment
  • Preventive health check-ups
  • Maternity expenses
  • Daily hospital cash
  • Modern treatment
  • Organ donor cover
  • Family floater cover
  • Sum Insured up to 10 Lakhs
  • Lifelong renewability
  • Min. Entry Age: 18 Years
  • Max. Entry Age: 65 Years
  • Sum Insured: Up to 10 Lakhs
  • Initial Waiting Period: 30 Days
View plan
Individual and Family Health Insurance

HDFC ERGO Optima Secure Global Plan

The HDFC ERGO Optima Secure Global Insurance Plan provides comprehensive health coverage for individuals and families, extending b...

  • India & Worldwide Coverage
  • High SI up to 2 Crores
  • Aggregate Deductible Discounts
  • Worldwide coverage
  • high sum insured up to INR 2 Crores
  • 4-level sum insured restoration benefit
  • aggregate deductible discounts
  • and no deductions on non-medical expenses.
  • INR 10
  • 000 deductible for overseas claims
  • aggregate deductible applicable only in India
  • no coverage for vaccinations
  • maternity and newborn baby cover not included in the base plan.
  • E-opinion for 51 critical illnesses
  • availability of various add-on covers
  • optional Overseas Travel Secure add-on.
  • Entry Age: 18 to 65 Years Sum Insured: INR 1 Crore to INR 2 Crores Initial Waiting Period: 30 Days Policy Term: 1
  • 2
  • or 3 Years
View plan

Aditya Birla Health Insurance

Accident Health Insurance

Aditya Birla Personal Accident Plan

The Aditya Birla Activ Secure Personal Accident Plan provides comprehensive financial protection against unforeseen incidents, cov...

  • Up to 20 Cr SI
  • 11 Optional Covers
  • Avail Wellness Benefit
  • Total and partial disability cover
  • Accidental death cover
  • No claim bonus
  • Ambulance cover
  • Education benefit
  • Illness due to intoxicants
  • Obesity treatment unavailable
  • Hazardous activity not covered
  • Cosmetic surgery unavailable
  • Income cover
  • Loan protect cover
  • Orphan benefits
  • Compassionate visit
  • Coma benefit
  • Entry age: Minimum 5 years
  • Maximum 65 years. Sum Insured: 1 Lac - 20 Crore. Waiting period: None.
View plan
Individual and Family Health Insurance

Aditya Birla Activ Health Platinum Enhanced

The Aditya Birla Activ Health Platinum Enhanced Plan offers comprehensive health insurance for individuals and families, with sum ...

  • Critical Illness Cover
  • Health Coach
  • SI Up to 2 Crores
  • Earn 100% health returns
  • Cover for dental consultations
  • Modern treatment cover
  • Wellness coach
  • Mental illness cover
  • Illness due to intoxicants
  • Change of gender treatment
  • Hazardous activity not covered
  • HIV/AIDS not covered
  • Cosmetic surgery unavailable
  • Chronic management program
  • Premium waiver benefit
  • Reload of SI
  • Road ambulance cover
  • Second e-opinion
  • Entry age: 90 days
  • Max entry age: 45
  • SI: 1L to 1 Cr
  • Waiting period: 30 days
View plan

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