HDFC Ergo Health Insurance Plan | Compare & Get up to 15% Discounts

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Updated on Aug 25, 2025 4 min read

HDFC ERGO Health Insurance: An Overview

Health Insurance is there to provide financial support by paying for healthcare expenses during any medical emergency. Therefore, it is very important to get health insurance which will provide you complete coverage anytime. HDFC ERGO is one of the best health insurance companies, that pledged to provide 360-degree coverage. The company was founded as a joint venture between HDFC Limited and ERGO International AG, which is a Germany-based company in 2020, and became HDFC ERGO General Insurance. 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 have some tailored coverage for critical illness and personal accidents, that you can avail during any emergency.

Some Interesting Facts About HDFC ERGO Health Insurance Company

HDFC ERGO General Insurance Company Limited was promoted by Erst While Housing Development Finance Corporation Limited.
Earlier, HDFC ERGO Health Insurance was known as Apollo Munich Health Insurance Company.
Having a claim settlement ratio of 98.49% and a solvency ratio of 1.68% HDFC ERGO General Insurance Company has become the second top company in the health insurance world.

12000+

Network
Hospitals

1.7

Solvency
Ratio

87.70%

Incurred Claims
Ratio

UP TO 2 Cr

Sum
Insured

24X7

Customer
Support

What are some of the
Features
that set them apart?

1

Special health plans for autism and diabetes
2

A comprehensive wellness system to promote a healthy lifestyle
3

Emergency air ambulance services
4

International travel for treatments
5

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.

Why Do We Exist?

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Best Selling HDFC ERGO Health Insurance Plans

Let's take a look at the list of health insurance plans that offer comprehensive protection to you and your family

Individual and Family Health Insurance

HDFC ERGO Health Insurance Plans	Eligibility	Approximate Annual Premiums
HDFC ERGO Optima Restore Plan	Entry Age - Sum Insured - Up to 0	Rs.
HDFC ERGO Koti Suraksha Plan	Entry Age - Sum Insured - Up to 0	Rs.

Top Up and Super Top Up

HDFC ERGO Health Insurance Plans	Eligibility	Approximate Annual Premiums
My Health Medisure Super Top Up	Entry Age - Sum Insured - Up to 0	Rs.

Individual

HDFC ERGO Health Insurance Plans	Eligibility	Approximate Annual Premiums
HDFC ERGO Energy Diabetes Plan	Entry Age - Sum Insured - Up to 0	Rs.
HDFC ERGO Personal Accident Insurance	Entry Age - Sum Insured - Up to 0	Rs.

Critical Illness Health Insurance

HDFC ERGO Health Insurance Plans	Eligibility	Approximate Annual Premiums
HDFC ERGO iCan Cancer Insurance Plan	Entry Age - Sum Insured - Up to 0	Rs.

Women Health Insurance

HDFC ERGO Health Insurance Plans	Eligibility	Approximate Annual Premiums
My:Health Women Suraksha Policy	Entry Age - Sum Insured - Up to 0	Rs.

Key Features Of HDFC ERGO Health Insurance

Let us take a look at some unique features of top-selling HDFC ERGO Health Insurance policies:

For Individual and Family Health Insurance

HDFC ERGO Optima Restore Plan

Comprehensive health insurance covers basic to advanced healthcare services with its two plan variants- Optima Restore Individual and Optima Restore Family.

Why Do We Recommend This?

100% SI restoration with Multiplier benefit
Recovery benefits
Avail coverage for organ donor expenses

For Top Up and Super Top Up

My Health Medisure Super Top Up

My Health Medisure Super Top Up

My:Health Super Top Up Insurance Policy works alongside your current health insurance policy to provide complete coverage against high medical expenses that your base health insurance can’t cover.

Why Do We Recommend This?

Higher sum insured at a low premium
Wide range of deductibles
6 Hours response guarantee on every cashless claim

For Individual

HDFC ERGO Energy Diabetes Plan
HDFC ERGO Personal Accident Insurance

HDFC ERGO Energy Diabetes Plan

A tailor-made health insurance plan for policyholders who have pre-existing diseases such as diabetes Type 1, diabetes mellitus Type 2, pre-diabetes (IFG, IGT), or hypertension.

Why Do We Recommend This?

20% co-payment waiver option
Organ donor cover
Avail of healthcare coverage for up to 182 daycare procedures

For Critical Illness Health Insurance

HDFC ERGO iCan Cancer Insurance Plan

HDFC ERGO iCan Cancer Insurance Plan

iCan Cancer plan by HDFC ERGO health insurance company offers treatment expenses cover for cancer once the policyholder is diagnosed with the same.

Why Do We Recommend This?

Avail treatment coverage for Cancer
In-patient hospitalization cover available
Second medical opinion benefit

For Women Health Insurance

My:Health Women Suraksha Policy

My:Health Women Suraksha Policy

The policy offers a robust coverage spectrum including cancer, major illness, cardiac ailments, assaults, burns, and more ensuring holistic protection beyond traditional health insurance, offering multiple sum insured options, and coverage for all women.

Why Do We Recommend This?

Second medical opinion for critical illnesses
Covers up to 9 insured members under a family floater
Avail of women’s special wellness benefits

Explore other HDFC ERGO Health Insurance

To cater to the different medical needs of an individual & their family, HDFC ERGO Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more. Take a look below to HDFC ERGO Health Insurance plans explore more:

Individual and Family Health Insurance

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 your family un...

Unique Features

Recovery benefit
SI restoration
Waiting period reduction

HDFC ERGO Optima Restore Plan (Pros)

Restore benefit
2X Multiplier benefit
Renewal discounts

HDFC ERGO Optima Restore Plan (Cons)

AYUSH not covered
OPD cover unavailable
Global health cover

HDFC ERGO Optima Restore Plan (Other Benefits)

Recovery benefits
Organ donor cover
In-patient and out-patient hospitalization

HDFC ERGO Optima Restore Plan (Eligibility Criteria)

Entry Age: 18 - 65 Years
Sum Insured: 3 | 5 | 10 | 15 | 20 | 25 | 50L
Initial Waiting Period: 30 Days

Individual and Family Health Insurance

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 Insurance Com...

Unique Features

High sum insured
Health and wellness plan
Emergency worldwide coverage

HDFC ERGO Koti Suraksha Plan (Pros)

Air ambulance
OPD cover
Domiciliary hospitalization
Emergency global coverage

HDFC ERGO Koti Suraksha Plan (Cons)

Vaccination not covered
Modern treatment unavailable
Maternity & newborn baby care unavailable

HDFC ERGO Koti Suraksha Plan (Other Benefits)

In-patient hospitalization
Daycare procedures
Health check-up cover

HDFC ERGO Koti Suraksha Plan (Eligibility Criteria)

Entry age: 18 to 65 years
Sum insured: 50 Lakhs & 1 Crore
Waiting period: 30 days
Policy term: 1/2/3 years

Top Up and Super Top Up

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 any restricti...

Unique Features

Plan Specifications
Key Features & Benefits
Quick Buying And Claim Process

My Health Medisure Super Top Up (Pros)

Day care procedures
High sum insured
6 Hours response guarantee

My Health Medisure Super Top Up (Cons)

Adventure sport injuries
Self-inflicted injuries
War

My Health Medisure Super Top Up (Other Benefits)

Deductibles offered
Covers family members
Versatile plan

My Health Medisure Super Top Up (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 20 L

Individual and Family Health Insurance

HDFC ERGO Health Wallet Family Floater

HDFC ERGO Health Insurance's Health Wallet plan by HDFC ERGO Health Insurance is a comprehensive health insurance plan that not only ensures your heal...

Unique Features

Worldwide Emergency Care
Avail 6% interest on un-used SI
Cashless Homecare treatment

HDFC ERGO Health Wallet Family Floater (Pros)

Inpatient and outpatient cover
OPD cover
Domiciliary hospitalization

HDFC ERGO Health Wallet Family Floater (Cons)

Air ambulance
E-consultations
Health check-up
Modern treatment cover

HDFC ERGO Health Wallet Family Floater (Other Benefits)

Global coverage
Daycare procedures
Health check-up
Vaccination charges

HDFC ERGO Health Wallet Family Floater (Eligibility Criteria)

Entry age: 18 to 65 years
Initial waiting period: 30 days
Sum insured: 3 to 50 Lakhs
Policy term: 1/2/3 years

Individual

HDFC ERGO Energy Diabetes Plan

HDFC ERGO Health Insurance offers an Energy Diabetes plan which is ideal for those who are suffering from diabetes Type 1, diabetes mellitus Type 2, p...

Unique Features

Personalized health coach option
Get rewards to reduce your premiums
Diabetes-Hypertension without waiting period

HDFC ERGO Energy Diabetes Plan (Pros)

Personal health coach
Rewards for premium discount
Diabetes and Hypertesion cover

HDFC ERGO Energy Diabetes Plan (Cons)

ICU cover unavailable
AYUSH treatment
OPD not covered
Domiciliary treatment unavailable

HDFC ERGO Energy Diabetes Plan (Other Benefits)

Organ donor cover
Ambulance services
Pre & post-hospitalization cover

HDFC ERGO Energy Diabetes Plan (Eligibility Criteria)

Entry age: 18 to 65 years
Policy term: 1 year
Initial waiting period: 30 days
Sum insured: 2 to 50 L

Individual and Family Health Insurance

My:Health Suraksha Smart Plan

HDFC ERGO Health Suraksha Plan is a comprehensive plan from the house of HDFC ERGO Insurance Company that aims at providing 360-degree protection agai...

Unique Features

Key Features
Eligibility & Age Restrictions
Types of My:Health Suraksha Smart Plans

My:Health Suraksha Smart Plan (Pros)

Air ambulance cover
Recovery benefit
Infertility cover

My:Health Suraksha Smart Plan (Cons)

Vaccination cover unavailable
Second medical opinion not available
Maternity cover
Newborn baby cover

My:Health Suraksha Smart Plan (Other Benefits)

Family discount
Long-term policy discount
Loyalty discount

My:Health Suraksha Smart Plan (Eligibility Criteria)

Entry age: 18 years to no age limit
Sum insured: 3 to 75 Lakhs
Policy term: 1/2/3 years
Initial waiting period: 30 days

Critical Illness Health Insurance

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 the treatme...

Unique Features

Key Features
Eligibility & Exclusions
iCan Cancer Plan Sample Premiums

HDFC ERGO iCan Cancer Insurance Plan (Pros)

Cancer cover
In-patient hospitalization
Ambulance cover

HDFC ERGO iCan Cancer Insurance Plan (Cons)

Maternity cover
Newborn cover
Organ donor cover
Global coverage

HDFC ERGO iCan Cancer Insurance Plan (Other Benefits)

COVID-19 cover
Pre and post-hospitalization
ICU charges

HDFC ERGO iCan Cancer Insurance Plan (Eligibility Criteria)

Entry age: 5 to 65 years
POlicy term: 1 year
Initial waiting period: 120 days

Individual

HDFC ERGO Personal Accident Insurance

Accidental deaths or injuries can be devastating, it can attack your physical, emotional, mental, and financial status to ruin your happy life moment...

Unique Features

Worldwide coverage
No pre-policy medicals
Lifelong renewability

HDFC ERGO Personal Accident Insurance (Pros)

Accidental Death
Permanent Total Disability
Broken Bones
Burns

HDFC ERGO Personal Accident Insurance (Cons)

Breach of law
Pregnancy or childbirth
Self-inflicted injury

HDFC ERGO Personal Accident Insurance (Other Benefits)

Ambulance costs
Hospital cash
Lump sum payout benefit
Air ambulance cover

HDFC ERGO Personal Accident Insurance (Eligibility Criteria)

Entry Age: 18 - 65 years
Policy Term: 1/2/3 years
Initial Waiting Period: None
Sum Insured: 20 L - 10 Cr

Individual and Family Health Insurance

HDFC ERGO Optima Secure Plan

HDFC ERGO My:Optima Secure health insurance plan offers value that you might require in future to fight against medical discrepancies. Providing you a...

Unique Features

3 plan variants
Double coverage
E-opinion on critical illnesses

HDFC ERGO Optima Secure Plan (Pros)

Hospital Cash Benefit
No Cost Instalment Option
Restore Benefit
Unlimited Restore

HDFC ERGO Optima Secure Plan (Cons)

Maternity cover NA
Newborn care unavailable
OPD cover unavailable

HDFC ERGO Optima Secure Plan (Other Benefits)

Aggregate deductible discounts
Disposables & consumables cover
Worldwide cover

HDFC ERGO Optima Secure Plan (Eligibility Criteria)

Entry age: 18 years to no max limit
SI: 5 Lakhs to 2 Crore
Policy term: 1/2/3 years
Initial waiting period: 30 days

Individual and Family Health Insurance

HDFC ERGO Optima Secure Global Plan

Are you sceptical about finding the best health insurance plan that protects you and your family under one roof? Read further to learn about the exclu...

Unique Features

India & Worldwide Coverage
High SI up to 2 Crores
Aggregate Deductible Discounts

HDFC ERGO Optima Secure Global Plan (Pros)

Pre and post-hospitalisation
Organ donor expenses
AYUSH treatment

HDFC ERGO Optima Secure Global Plan (Cons)

Modern treatment
Vaccination unavailable
Maternity and newborn baby cover
Cataract cover

HDFC ERGO Optima Secure Global Plan (Other Benefits)

E-opinion for 51 critical illnesses
Add-on covers
Overseas travel secure

HDFC ERGO Optima Secure Global Plan (Eligibility Criteria)

Entry age: 18 to 65 years
Sum insured: 1 to 2 Crore
Initial Waiting Period 30 Days
Policy Term: 1/2/3 Years

Individual and Family Health Insurance

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 you with the precise medic...

Unique Features

3 plan variants
Double coverage
E-opinion on critical illnesses

HDFC ERGO Arogya Sanjeevani Policy (Pros)

Pre and post-hospitalization
Doctor consultation
AYUSH treatment
Preventive health check-ups

HDFC ERGO Arogya Sanjeevani Policy (Cons)

Maternity expenses
Daily hospital cash
Modern treatment
Organ donor cover

HDFC ERGO Arogya Sanjeevani Policy (Other Benefits)

Family floater cover
SI upto 10 Lakhs
Lifelong renewability

HDFC ERGO Arogya Sanjeevani Policy (Eligibility Criteria)

Min. Entry Age - 18 Years
Max. Entry Age - 65 Years
Si - Up to 10 L
Initial Waiting Period - 30 Days

Women Health Insurance

My:Health Women Suraksha Policy

HDFC My: Health Women Suraksha is a comprehensive policy that is designed to cater to the evolving needs of health and well-being of today's women. T...

Unique Features

Cancer Cover
Assault And Burn Cover
41 Critical Illness Cover

My:Health Women Suraksha Policy (Pros)

Lifetime renewal
Wellness Incentives
Add-On Coverage

My:Health Women Suraksha Policy (Cons)

Obesity or weight control
Cosmetic surgeries
Maternity cover
Change of gender treatment

My:Health Women Suraksha Policy (Other Benefits)

Post Diagnosis Support
Cancer Cover
Major Illness Cover
Surgical Procedure
Critical Illness Cover

My:Health Women Suraksha Policy (Eligibility Criteria)

Entry age: 18 to 65 years
Sum insured: 1 Lakh to 1 Crore
Policy term: 1/2/3 years

Why Choose HDFC ERGO?

Versatile and affordable health insurance plans for every need
24X7 customer support for easy claim settlement
Over 12000 network hospitals all over India
Offers comprehensive coverage at affordable premiums
Tax benefits under Section 80D of the Income Tax Act

What is Covered?

Pre and Post Hospitalization Expenses

HDFC ERGO Health Insurance offers insurance products that contain pre and post-hospitalization expenses related to in-patient hospitalization.

AYUSH Treatments

Most HDFC ERGO Health Insurance plans have in-built alternative treatment cover which you can utilize to your benefit. AYUSH treatments include Ayurveda, Unani, Siddha, and Homeopathy treatments.

Hospitalization Expenses

HDFC ERGO health insurance plans cover your hospital expenses like room rent, ICU charges, surgery expenses, doctor consultations, and other such expenses.

Day Care Treatments

Multiple procedures do not require a 24-hour hospitalization. With this in mind, a majority of the HDFC ERGO health insurance plans are designed to cover daycare procedures for policyholders.

Domiciliary Hospitalization

On a doctor’s recommendation, a policyholder can avail of medical care in the comfort of their home. HDFC ERGO health insurance plans cover domiciliary hospitalization up to specified sub-limits.

What is not Covered?

Self Inflicted Injuries

HDFC ERGO health policies will not cover injuries or hospitalization caused by self-harm.

Cosmetic Procedures

HDFC ERGO Health Insurance plans do not cover any kinds of cosmetic surgeries or treatments.

Adventure Sports

HDFC ERGO Health Insurance plans will not cover you for hospitalizations, or accidents caused due to adventure sports.

Obesity or Weight Control Treatments

HDFC ERGO Health Insurance plans mostly do not cover treatments related to obesity and weight management such as bariatric surgeries.

Involvement In Illegal Activities

HDFC ERGO health insurance company plans do not cover individuals or families for hospitalization or injuries caused due to unlawful activities.

What Are The Different Waiting Periods In HDFC ERGO Health Insurance Plans?

The various waiting periods associated with HDFC ERGO Health plans are:

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 it is necessary to complete a specific waiting period which will be decided at the time of decision-making.

Disease-specific Waiting Period

Some of the diseases like Cataract, ENT, Hernia, and much more have a specific waiting period to offer.

Waiting Period for Maternity Cover

Many insurance policies put a waiting period before you can claim for maternity expenses under the Health Insurance Plans.

HDFC ERGO Health Insurance Network Hospital List

HDFC ERGO Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, HDFC ERGO Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Know More About Network Hospital

HDFC ERGO Health Insurance Plans Buying Process

If you are looking forward to purchasing HDFC ERGO Health insurance online follow the simple steps below:

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 the purchased HDFC ERGO health insurance plan of your choice.
Step 4
Our team of insurance experts at PolicyX will provide you with all the assistance required regarding claims and other queries post-purchase of your HDFC ERGO Health Insurance plan.

HDFC ERGO Health Insurance Renewal Process

Follow the 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
Mention your ‘Policy Number’ and ‘Date Of Birth’ and other required sections

Connect with our insurance experts for HDFC ERGO health insurance policy renewal at 1800-4200-269 and learn more about the renewal process.

HDFC ERGO Health Insurance Plan Claim Process Steps

You can file for cashless as well as reimbursement claims for your HDFC ERGO Health Insurance Plans by following these easy steps:

Step 1
Visit the website of HDFC ERGO Health Insurance, and select the "Claim" option. Then click on the "Claim Intimation" to check out the form.
Step 2
Now select "health claim" and require the information which is the policy number, date of birth, and other details they ask for.
Step 3
Now select the "claim type", whether you want to opt for a cashless claim or reimbursement. Click on the authorize and you will receive the OTP on the verified number.
Step 4
Get verified with the OTP and fill in the required hospital admission information, select the hospital, and fill in the hospital details in case of a non-network hospital.
Step 5
Upload the documents asked and click on the "review" button.
Step 6
After clicking on the review button you need to submit the intimation for the company to review. You will receive a claim intimation number which you need to note down for future purposes.

Documents Required For HDFC ERGO Health Policy Claim Settlement

Submit the following documents when filing for HDFC ERGO health claims:

Duly completed and signed claim form, in original
Valid photo-ID proof
Medical practitioner's referral letter and prescription
Original bills, receipts, and discharge cards from the hospital/medical practitioner
Original bills from pharmacy/chemists
Original pathological/diagnostic tests reports/radiology reports and payment receipts
Indoor case papers
First Information Report, final police report, if applicable
Post-mortem report, if conducted
Any other document as required by the company to assess the claim

How To Port To HDFC ERGO Health Insurance?

To port your existing policy to HDFC ERGO Health Insurance, follow the steps mentioned below:

Step 1
Fill out the portability form, and send the application to HDFC ERGO Health Insurance Company 45 days before the date of your existing health plan renewal.
Step 2
As per the guidelines of IRDAI, the new insurance company will cross-check your medical and claims history from the previous insurer within 7 days of receiving the portability form.
Step 3
Once the policyholder's details are verified, the new insurance company has to communicate its decision - either approval or rejection - within 15 days.

Health Insurance Premium Calculator

PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. You can input your details and check out some of the most suitable health insurance policies for your specific requirements. This is the easiest, most efficient, spam and gimmick-free way to buy health insurance today.

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More Queries?

If you have any more queries regarding Plans, Renewals, or Claim Procedures, contact our insurance experts at:
1800-4200-269 now!

Explore HDFC ERGO Health Insurance

HDFC ERGO Health Insurance: FAQs

1. When can I include my kids in HDFC ERGO’s health insurance policies?

You can include your kids post 90 days of birth up to 21 years of age in HDFC health insurance policies.

2. Is it necessary for me to undergo medical tests before buying health insurance?

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.

3. What is the waiting period for pre-existed illness in HDFC ERGO Health Insurance?

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.

4. Can I add a family member to my existing family health plan?

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.

5. In HDFC ERGO, how many claims are permissible in a year?

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.

6. What is the integrated Wellness App of HDFC ERGO General Insurance?

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.

7. Is it possible to change my hospital during treatment?

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.

8. What if I want to cancel my policy in mid-duration?

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.

9. Is it possible to port my existing health policy to HDFC ERGO?

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.

10. Can I pay the premiums of HDFC ERGO Health Insurance plans in EMI?

Yes, HDFC ERGO has recently launched the facility to pay the health insurance premium in installments.

11. How can you get the reimbursement for pre and post-hospitalization expenses under this policy?

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.

12. Will my pre-existing illness be covered in the Super Top-up Policy?

Pre-existing illnesses will be covered in the Super Top Up Policy only after 3 years of continuous coverage.

13. Is buying HDFC Ergo Health plan a good choice?

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.

14. Is HDFC the no.1 health insurance company in India?

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.

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HDFC ERGO Health Insurance: An Overview

What does HDFC ERGO Health Insurance do?

Some Interesting Facts About HDFC ERGO Health Insurance Company

HDFC ERGO's Awards and Achievements

Why Do We Exist?

Compare

Compare

Best Selling HDFC ERGO Health Insurance Plans

Individual and Family Health Insurance

Top Up and Super Top Up

Individual

Critical Illness Health Insurance

Women Health Insurance

Key Features Of HDFC ERGO Health Insurance

For Individual and Family Health Insurance

Why Do We Recommend This?

Why Do We Recommend This?

Why Do We Recommend This?

Why Do We Recommend This?

Why Do We Recommend This?

Why Do We Recommend This?

Why Do We Recommend This?

For Top Up and Super Top Up

Why Do We Recommend This?

For Individual

Why Do We Recommend This?

Why Do We Recommend This?

For Critical Illness Health Insurance

Why Do We Recommend This?

For Women Health Insurance

Why Do We Recommend This?

Explore other HDFC ERGO Health Insurance

HDFC ERGO Optima Restore Plan (Pros)

HDFC ERGO Optima Restore Plan (Cons)

HDFC ERGO Optima Restore Plan (Other Benefits)

HDFC ERGO Optima Restore Plan (Eligibility Criteria)

HDFC ERGO Koti Suraksha Plan (Pros)

HDFC ERGO Koti Suraksha Plan (Cons)

HDFC ERGO Koti Suraksha Plan (Other Benefits)

HDFC ERGO Koti Suraksha Plan (Eligibility Criteria)

My Health Medisure Super Top Up (Pros)

My Health Medisure Super Top Up (Cons)

My Health Medisure Super Top Up (Other Benefits)

My Health Medisure Super Top Up (Eligibility Criteria)

HDFC ERGO Health Wallet Family Floater (Pros)

HDFC ERGO Health Wallet Family Floater (Cons)

HDFC ERGO Health Wallet Family Floater (Other Benefits)

HDFC ERGO Health Wallet Family Floater (Eligibility Criteria)

HDFC ERGO Energy Diabetes Plan (Pros)

HDFC ERGO Energy Diabetes Plan (Cons)

HDFC ERGO Energy Diabetes Plan (Other Benefits)

HDFC ERGO Energy Diabetes Plan (Eligibility Criteria)

My:Health Suraksha Smart Plan (Pros)

My:Health Suraksha Smart Plan (Cons)

My:Health Suraksha Smart Plan (Other Benefits)

My:Health Suraksha Smart Plan (Eligibility Criteria)

HDFC ERGO iCan Cancer Insurance Plan (Pros)

HDFC ERGO iCan Cancer Insurance Plan (Cons)

HDFC ERGO iCan Cancer Insurance Plan (Other Benefits)

HDFC ERGO iCan Cancer Insurance Plan (Eligibility Criteria)

HDFC ERGO Personal Accident Insurance (Pros)

HDFC ERGO Personal Accident Insurance (Cons)

HDFC ERGO Personal Accident Insurance (Other Benefits)

HDFC ERGO Personal Accident Insurance (Eligibility Criteria)

HDFC ERGO Optima Secure Plan (Pros)

HDFC ERGO Optima Secure Plan (Cons)

HDFC ERGO Optima Secure Plan (Other Benefits)

HDFC ERGO Optima Secure Plan (Eligibility Criteria)

HDFC ERGO Optima Secure Global Plan (Pros)

HDFC ERGO Optima Secure Global Plan (Cons)

HDFC ERGO Optima Secure Global Plan (Other Benefits)

HDFC ERGO Optima Secure Global Plan (Eligibility Criteria)

HDFC ERGO Arogya Sanjeevani Policy (Pros)

HDFC ERGO Arogya Sanjeevani Policy (Cons)

HDFC ERGO Arogya Sanjeevani Policy (Other Benefits)

HDFC ERGO Arogya Sanjeevani Policy (Eligibility Criteria)

My:Health Women Suraksha Policy (Pros)

My:Health Women Suraksha Policy (Cons)