Hdfc Ergo vs Care Health 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

✎ Edit

Care Health

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

96.6%
Network hospitals

Network Hospital

15000+

Network Hospital

22100++
Solvency Ratio

Solvency Ratio

2.00

Solvency Ratio

1.74
Pan India Presence

Pan India Presence

200

Pan India Presence

158
Claim Form

Claim Form

Available

Claim Form

Available
Annual premium (company level)

Annual premium (company level)

6,099.76 Crore

Annual premium (company level)

6,864.46 Crore
Years in operation

Years in operation

2006

Years in operation

12
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

96.6
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HDFC Ergo Health Insurance Plan Detailed Review

▶ HDFC Ergo Health Insurance Plan Detailed Review

Care Health Insurance Review

▶ Care 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

Care Health Insurance

Individual and Family Health Insurance

Care Operation Insurance

The Care Operation Insurance Plan provides extensive coverage for surgical procedures, with sum insured options from ₹10 Lakhs t...

  • Unlimited E-consultations
  • Automatic Restoration
  • Wellness Benefits
  • Health services
  • Air Ambulance cover
  • Chemotherapy cover
  • Illegal activities
  • Alcohol abuse
  • Obesity treatments
  • Dialysis cover
  • Second opinion
  • Organ donor cover
  • Min entry age: 5 Years
  • Max entry age: 50 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 2 Cr
View plan
Individual and Family Health Insurance

Care Advantage Plan

Care Advantage Health Insurance provides high sum insured options up to 1 Crore, ensuring comprehensive coverage for families. It ...

  • High sum insured
  • 540+ procedures covered
  • Organ donation cover
  • No Claim Bonus up to 50%
  • Automatic SI recharge
  • Organ donor cover
  • High SI
  • 20% co-pay
  • Obesity treatment unavailable
  • Hazardous activity not covered
  • Ambulance cover available
  • Optional cover available
  • Co-pay waiver
  • Room rent modification
  • Entry age- 91 days
  • Max entry age- Lifelong
  • SI- 25 L to 6 Cr
  • Waiting Period- 30 days
View plan

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Expert Reviewed

Reviewed By: Raj Kumar

With over 12 years of rich experience in the BFSI domain, with a specialisation in Life and Health Insurance, I have played a pivotal role in simplifying the insurance-buying process and delivering unparalleled service.

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