Network hospitals
13000+
Claim settlement ratio
98.49%
Sum insured
2 CR
No. of Plans
7
Solvency Ratio
1.68
Pan India Presence
200+
Network hospitals
13000+
Claim settlement ratio
98.49%
Sum insured
2 CR
No. of Plans
7
Solvency Ratio
1.68
Pan India Presence
200+
HDFC ERGO Health Insurance is a joint venture between HDFC Limited and ERGO International. In the year 2020, HDFC health insurance merged with Apollo Munich Health insurance after getting approval from the Insurance Regulatory and Development Authority of India (IRDAI). Currently, HDFC health insurance is the second-largest private insurance company in the health insurance business. The company is spread across more than 200 cities with 200+ branches and 7000+ employees working for it. Moreover, HDFC ERGO Health insurance has got an "iAAA" rating by ICRA for its highest claim paying ability.
HDFC ERGO Health Insurance Plans offer a wide range of coverage options that include cashless treatment and hospitalization at 13,000+ hospitals, daycare treatments, no room rent restriction, AYUSH cover, in-patient hospitalization, pre and post-hospitalization, etc.
HDFC health insurance is one of the biggest companies in India that provides health insurance. HDFC health insurance always tries to support its customer in every possible way. HDFC ERGO medical insurance has various other key features along with 24x7 customer support. Take a look at the features of the HDFC ERGO health insurance:
HDFC ERGO health insurance offers a wide variety of medical policies to its customers to meet their needs in terms of comprehensive coverage, flexibility, and affordability. Have a look at mediclaim policies offered by HDFC ERGO:
Comprehensive
Get 4X coverage* without any extra cost under this comprehensive health plan for individuals and families.
Unique Features
Comprehensive
Provides comprehensive medical coverage to individuals and families with different budgets by offering SI options ranging from 5 Lakhs to 50 Lakhs.
Unique Features
Flexible
Offers 360 degrees protection to you and your family with multiple SI options of 3 to 75 Lakhs. Comes with EMI and lifelong entry option.
Unique Features
Comprehensive
An individual and family health plan providing SI of up to 1 crore to prepare you to meet constantly increasing medical inflation.
Unique Features
Disease-specific plan
Designed especially for people with pre-existing diabetes or hypertension. Get coverage for diabetes and hypertension from Day 1 without any waiting period.
Unique Features
Disease-specific plan
Covers all types of cancer at all stages with lifelong renewability option. If diagnosed with IV stage cancer or relapse, this plan pays 100% of SI as a lump sum.
Unique Features
Critical Illness
An ideal health plan for people with a pre-existing critical illness or a family history of critical illnesses. Get comprehensive coverage for 15 critical illnesses.
Unique Features
Bonus-oriented health plan
A flexible and comprehensive health plan, securing your today & tomorrow. With 'Reserve Benefit' features, this plan grows unused policy amount @6% interest rate.*
Unique Features
Top-Up
Avail of extra cover to meet medical expenses without any limitations by purchasing this deductible-based top-up plan.
Unique Features
Women-oriented health
Women-oriented health plan providing comprehensive medical insurance with major illnesses cover, and cancer cover all under a single plan but different variants.
Unique Features
HDFC Ergo entails a wide network of cashless Hospitals that impact millions of lives PAN India. A well connected network of over 13,000+ cashless hospitals, HDFC Ergo ensures that you are medically secured, irrespective of the city you reside in.
Policyholders can use the HDFC health insurance premium calculator to calculate the premiums online. HDFC ERGO health insurance premium depends on various factors such as the lifestyle of the applicant, sum insured amount, policy tenure, etc. To give you a better understanding of the premiums, PolicyX.com has shown some sample premiums of HDFC ERGO mediclaim plans based on the different coverage amounts (Sum Insured amount) and different family sizes.
Age: 30 years | 1 Adult | 2 Adult | 2 Adult+1 Child | Average Premium (INR) |
5L | 8852 | 15935 | 22603 | 15796 |
15L | 13873 | 24971 | 34017 | 24287 |
Age: 65 years | 1 Adult | 2 Adult | Average Premium (INR) |
5L | 49045 | 71114 | 60079 |
15L | 135205 | 109556 | 122380 |
Age: 30 years | 1 Adult | Average Premium (INR) |
5L | 1475 | 15796 |
10L | 2950 | 24287 |
HDFC ERGO medical insurance offers various coverage benefits under its plans. You may get several added advantages on buying HDFC ERGO mediclaim policies as the insurer provides the following: If you're looking for health insurance, don't forget to check the HDFC ERGO policy details on PolicyX.com and get a quote in seconds.
Here are some general health conditions that are not covered under HDFC health insurance plans.
Adventure Sport Injuries
Self-Inflicted Injuries (suicide or attempted suicide injuries)
War-Related Injuries
Cosmetic Surgery
Treatment Of Obesity
Venereal Or Sexually Transmitted Diseases
Participation In Defence Operations
Hospitalization due to alcohol, and drug abuse
HDFC ERGO offers a smooth and quick buying process for every type of HDFC ERGO Health Insurance policy. You can buy the HDFC health insurance plans from the company's official website as well as through PolicyX.com.
PolicyX is a reliable source to buy health insurance policies. Well, we are here to answer. about why PolicyX.com is the best option to buy the HDFC ERGO health insurance policy.
HDFC Medical Insurance offers a simple and quick renewal process to make policy renewals easier for the customer. You can renew your policy with HDFC health insurance in just a few clicks. Here is the process for HDFC ERGO health insurance renewal online.
HDFC ERGO Health insurance offers two simple claim process to file claims i.e. Cashless Claim Process and Reimbursement Claim Process. Take a look at both claim settlement processes of HDFC medical insurance in the section below:
For HDFC ERGO mediclaim policy related queries, you can contact the company in the following ways:
Registered & Corporate Office
1st Floor, HDFC House, Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai - 400020
Health Insurance Claim office (HCS - Noida)
5th floor, Tower 1, Stellar IT Park, C-25, Sector-62, Noida, UP, India - 201301
Contact through Whatsapp App:
73045 24888, 8169500500
For buying a new policy: 022 6242 6242
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.
Your respective insurance company will not cover pre existing illnesses for a certain time period at the starting of your policy term. This is called the waiting period. Different pre-existing diseases have different waiting periods, so you can get in touch with your insurance company or go through your policy documents once and find out about the waiting period for your disease. Some of the conditions which are pre-existed are completely excluded from the health plans.
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 free look up period. During which you can cancel your policy with 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 filed 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 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 HDFC ERGO health plans with other top insurers in India.
See More Health Insurance Articles
See More Health Insurance Articles
Aniruddh Singh
Chandigarh
May 1, 2023
I am satisfied with the customer service provided to me when I had a small query regarding my HDFC health insurance policy. Thank you to the customer support team of PolicyX
Subhro Jha
Hyderabad
September 14, 2022
It was great experiance with Policyx.com about the claims as i got rejection my claim from HDFC Ergo but after getting support of policyx.com i got my claim and the complete amount is given by...
Vedika Verma
Delhi
May 25, 2022
With several health plans, HDFC ERGO offers looks after the healthcare need of every individual. I am glad that I chose to buy health insurance from HDFC ERGO
Vedantu Singhania
Coimbatore
August 5, 2021
Thanks to HDFC ERGO Health Insurance company for ensuring that all the healthcare needs of your customers are looked after. I am glad that I got in touch with PolicyX.com who helped me at every...
Usha Dodiya
Indore
May 20, 2021
Policyx.com give very good insurance policy I will recommend to everyone and manager support is very gool
harish kumar
Delhi
March 16, 2021
thanks to Policyx and HDFC to provide good service at the time of claims he help me two times and provide 100% cashless benefit
ambika chauhan
Chennai
March 4, 2021
i am happy that i recieved my claim today. got good support. after first rejection i was scared, but i got it due to the sipport of policyx
Ashu Goyal
Ludhiana
March 4, 2021
I have taken the policy of HDFC ergo by Policy X.Com , Claim settlement Tat is very Good . Policy X.com team is helpful about claim settlement without any issue.
You May Also Know About
*T&C Apply