HDFC ERGO Health Insurance

  • Covers Mental illnesses
  • Get 24*7 customer support in 10 languages
  • Get coverage for all types of cancers
HDFC ERGO Health Insurance

Network hospitals



Claim settlement ratio



Sum insured

2 CR


No. of Plans



Solvency Ratio



Pan India Presence


Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member


Network hospitals



Claim settlement ratio



Sum insured

2 CR


No. of Plans



Solvency Ratio



Pan India Presence


About HDFC ERGO Health Insurance

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.

Key Features of HDFC ERGO Insurance Company

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:

  • Network HospitalsHDFC health insurance has 13000+ network hospitals in which you can get cashless hospitalization and the insurance company will directly settle the bill with the hospital.
  • Solvency RatioThe solvency ratio of a health insurance company is used to evaluate its capacity to meet its long-term financial obligations. According to the IRDAI, It is mandatory to maintain the Solvency Ratio of 1.5. HDFC ERGO currently has a Solvency Ratio of 1.68.
  • Market ShareHDFC health insurance plans are designed to meet the needs of people at every stage of life. According to the IRDAI report 2021-22, HDFC ERGO has a Market Share of INR 13,497.55 Cr.
  • Claim Support RatioThe claim settlement ratio (CSR) is the percentage of total claims that an insurance company settles in a year. HDFC ERGO Health Insurance has a claim settlement ratio of 98.49% which shows the company is reliable and cares about its customers.
  • No. of BranchesWith more than 200+ branches across India, the company assures that customers may quickly visit their nearest branch if they have any policy or claim-related queries.
Highlight of HDFC ERGO Health Insurance

HDFC ERGO Health Insurance Plans

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:

HDFC ERGO Health Insurance Individual and Family Floater Plans


Get 4X coverage* without any extra cost under this comprehensive health plan for individuals and families.

Unique Features

  • No room rent capping
  • 100% SI restoration
  • E-opinion for 51 illnesses

Optima Secure Policy (Pros)

  • Secure Benefit
  • Plus Benefit
  • Automatic Restore Benefit
  • No room capping
  • Covid - 19 Cover

Optima Secure Policy (Cons)

  • Adventure Sports Injuries
  • Injuries Out of War
  • Death due to breach of law
  • Congenital Diseases
  • Alcoholism

Optima Secure Policy (Other Benefits)

  • Day Care Treatments
  • Road Ambulance Cover
  • Air Ambulance Cover
  • E-opinion
  • Organ Donor Cover

Optima Secure Policy (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - No Age Limit
  • SI - 5 L to 2 Cr
  • Waiting Period - 30 Days


Provides comprehensive medical coverage to individuals and families with different budgets by offering SI options ranging from 5 Lakhs to 50 Lakhs.

Unique Features

  • Free health checkup
  • 2X multiplier benefit
  • 100% SI restoration

Optima Restore Policy (Pros)

  • Daily Hospital Cash
  • Ambulance Cover
  • Modern Treatment
  • Lifetime Renewal
  • Pre and Post Hospitalization

Optima Restore Policy (Cons)

  • No Dental Cover
  • No Maternity Cover
  • No Non-Allopathic treatment
  • Pre-Existing Diseases after 3 yrs
  • Alcoholism not covered

Optima Restore Policy (Other Benefits)

  • Sum Insured Enhancement
  • Tax Benefit
  • E-Opinion
  • 10% Family Discount
  • 7.5% discount on 2 years premiums

Optima Restore Policy (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 years
  • SI - 3 L to 50 L
  • Waiting Period - 30 Days


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

  • Fitness discounts during renewal
  • Room rent capping and co-pay
  • Loyalty discounts

my:health Suraksha (Pros)

  • Renewal Benefit
  • Wellness Benefit
  • Premium Payment Options
  • Reduced Premium Benefit
  • 1,2,3 Years policy Period Option

my:health Suraksha (Cons)

  • No Return Transportation Cost
  • Suicidal Injuries
  • No Non-Allopathic treatment
  • Adventure Sports Injuries
  • Alcoholism

my:health Suraksha (Other Benefits)

  • Pregnancy Complications Covered
  • Newborn Complications Covered
  • Loss of Job Covered
  • Post Diagnosis Support
  • 41 Critical Illness Covered

my:health Suraksha (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 75 L
  • Waiting Period - 30 Days


An individual and family health plan providing SI of up to 1 crore to prepare you to meet constantly increasing medical inflation.

Unique Features

  • Free preventive health checkup
  • Multiple wellness services
  • Up to 10% of fitness discount

Koti Suraksha Plan (Pros)

  • Renewal Benefit
  • Wellness Benefit
  • Premium Payment Options
  • Reduced Premium Benefit
  • 1,2,3 Years policy Period Option

Koti Suraksha Plan (Cons)

  • Infertility Treatment
  • No Unproven Treatments
  • No Dietary Supplements
  • No Maternity Treatments
  • No Cosmetic Surgery

Koti Suraksha Plan (Other Benefits)

  • 5% Non-Medical Expense Covered
  • Emergency Worldwide Coverage
  • Aggregate Deductible
  • Overseas Treatment
  • Sum Insurance Rebound

Koti Suraksha Plan (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 5 Cr
  • Waiting Period - 30 Days

HDFC ERGO Health Insurance Disease-Specific Plans

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

  • Stay fit & earn reward points
  • 100% SI restoration
  • Health coach & wellness programs

Energy Diabetes Policy (Pros)

  • In- Patient Hospitalization
  • No Waiting Period for Diabetes
  • Restore Benefit
  • Cumulative Bonus
  • Pre and Post Hospitalization

Energy Diabetes Policy (Cons)

  • 2 Year Waiting Period
  • Abuse of Intoxicant Not Covered
  • War Operations Injury
  • Sexsually Tranmitted Diseases
  • Pregnancy Not Covered

Energy Diabetes Policy (Other Benefits)

  • Monthly Newsletter
  • Organ Donor Benefit
  • Earn Rewards for Staying Healthy
  • 25% Discount On Renewal
  • 2 Variant Options(Silver,Gold)

Energy Diabetes Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 2 L to 50 L
  • Waiting Period - 2 Years

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

  • Coverage for modern treatments
  • Second opinions available
  • Coverage for follow-up care

HDFC iCan Cancer (Pros)

  • Ambulance Cover
  • Follow up care post treatment
  • Conventional Treatments
  • Hormonal Treatment
  • Stem Cell Transplantation

HDFC iCan Cancer (Cons)

  • No Non Allopathic treatments
  • No Prosthetic Devices
  • No Overseas Treatments
  • Pre-existing condition for Cancer

HDFC iCan Cancer (Other Benefits)

  • Sum Insured Enhancement
  • CritiCare Benefit
  • Family Care Benefit
  • Lifetime Renewal
  • MyCare Benefit

HDFC iCan Cancer (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 5 L to 50 L
  • Waiting Period - 120 Days

HDFC ERGO Critical Illness, Bonus-oriented health plan, Top-Up, Women-oriented health Plans

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

  • One-time lump sum payment
  • No medical checkup up to 45 years
  • Lifelong renewability

Critical Illness Policy (Pros)

  • In- Patient Hospitalization
  • High Cover at Low Premium
  • 1 or 2 Year Policy Period
  • End Stage Liver Failure
  • No Cover ceasing age

Critical Illness Policy (Cons)

  • 10 Lakh Fine on Wrong Claim
  • Tuberculosis Not Covered
  • PED after 48 months
  • Kaposi's sarcoma Not Covered
  • Lymphomas in brain Not Covered

Critical Illness Policy (Other Benefits)

  • 3 Variants (Silver, Gold, Platinum)
  • Two Year Policy Period
  • Guaranteed Renewal for Life
  • Loading on Renewal
  • Individual and Floater SI Options

Critical Illness Policy (Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 50 L
  • Waiting Period - 90 Days

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

  • Automatic SI restoration
  • Multiplier benefit
  • Free preventive health checkup

Wallet Family Floater (Pros)

  • Reserve Benefit
  • 100 % Restore Benefit
  • Recovery Benefit
  • 50% Increase On SI on Renewal
  • World Wide Coverage

Wallet Family Floater (Cons)

  • External Congenital diseases
  • Drugs Treatments
  • Miscarraige Not Covered
  • Deductibles (Optional)
  • No Cosmetic Surgery

Wallet Family Floater (Other Benefits)

  • Ambulance Cover
  • 5 Year Policy Cover
  • Portability
  • 30 Days Grace Period
  • Sum Insured Enhancement

Wallet Family Floater (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 3 L to 50 L
  • Waiting Period - 30 Days


Avail of extra cover to meet medical expenses without any limitations by purchasing this deductible-based top-up plan.

Unique Features

  • Constant premiums post 61 years
  • No medical checkup up to 55 years
  • 5% discount on 2-year policy term

My:health Medisure Super Top-up (Pros)

  • In- Patient Hospitalization
  • High Cover at Low Premium
  • Post 61 Year No Premium Hike
  • Day Care Procedure
  • Pre and Post Hospitalization

My:health Medisure Super Top-up (Cons)

  • Treatment Of Obesity
  • Self Inflicted Injury
  • War Operations Injury
  • Sexsually Tranmitted Diseases
  • No Cosmetic Surgery

My:health Medisure Super Top-up (Other Benefits)

  • Free Look Period
  • Two Year Policy Period
  • Guaranteed Renewal for Life
  • Loading on Renewal
  • Individual and Floater Options

My:health Medisure Super Top-up (Eligibility Criteria)

  • Entry Age - 18 years
  • Max Entry Age - 65 Years
  • SI - 1 L to 10 L
  • Waiting Period - 30 Days

Women-oriented health

HDFC ERGO My:health Women Suraksha

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

  • Maternity complications
  • SI options from 3L - 1 Cr
  • Free preventive health checkup

My:health Women Suraksha (Pros)

  • AYUSH Benefit
  • Alternative Treatment
  • Organ Donor Benefit
  • Domiciliary Hospitalization
  • Pre and Post Hospitalization

My:health Women Suraksha (Cons)

  • Adventure Sports Injuries
  • No Sexsually Transmitted diseases
  • No Cosmetic Surgery
  • Alcoholism issues not covered
  • No Self Inflicted Injuries

My:health Women Suraksha (Other Benefits)

  • Parent and Child care Cover
  • Child Care Benefit
  • Vaccination
  • Air Ambulance
  • Health Coach

My:health Women Suraksha (Eligibility Criteria)

  • Entry Age - 18 years
  • Max Entry Age - Lifetime Entry
  • SI - 1 L to 1 Cr
  • Waiting Period - 30 Days
HDFC ERGO Health Insurance Banner

HDFC ERGO Health Insurance Network Hospital List

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.

Calculate HDFC ERGO Health Insurance Premium

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, has shown some sample premiums of HDFC ERGO mediclaim plans based on the different coverage amounts (Sum Insured amount) and different family sizes.

HDFC ERGO Health Insurance Optima Restore

Age: 30 years1 Adult2 Adult2 Adult+1 ChildAverage Premium (INR)

HDFC ERGO Health Insurance Optima Secure for Senior Citizens

Age: 65 years1 Adult2 AdultAverage Premium (INR)

HDFC ERGO Health Insurance Critical Illness Silver

Age: 30 years1 AdultAverage Premium (INR)

Why HDFC ERGO Health Insurance?

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 and get a quote in seconds.

  • Cashless claim approval in just 20 mins
  • Dedicated application for all your policy-related concerns
  • Offers preventive health checkup coupons
  • Offers free renewal health checkups
  • Offers wellness programs to keep you healthy
  • 13000+ HDFC ERGO network hospitals
  • In-house claim settlement team
  • Covers Omicron variant of Coronavirus

HDFC Health Insurance Exclusion list

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 Health Insurance Buying process

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

Buy from the Company

  • Visit the company's official website.
  • Choose the desired health plan and click on the 'Buy' button.
  • Fill in all the necessary details.
  • Calculate the premium and make the payment.
  • The insurer will send the policy documents to your registered email address.

Buy from PolicyX

  • Fill in the details in the 'Calculate Premium' form.
  • Choose a preferred HDFC ERGO health plan
  • Click on the 'Buy Now' tab.
  • Pay the premium and your HDFC ERGO policy document will be shared on your registered email.

Why Buy HDFC ERGO Health Insurance Plans from PolicyX?

PolicyX is a reliable source to buy health insurance policies. Well, we are here to answer. about why is the best option to buy the HDFC ERGO health insurance policy.

  • IRDAI is an IRDAI approved web aggregator that helps consumers in comparing, choosing, and buying policies online.
  • Free Comparison provides a single platform where you can compare different insurance companies, insurance plans, and their premiums.
  • Compare 15 companies in 30 secConsumers can compare up to 15 companies in just 30 sec on
  • Buy Insurance within 5minsPolicyX offers a simple and quick buying process where consumers can buy insurance in less than 5mins.
  • 24x7 Customer ServicePolicyX is always with their customers as we offer 24x7 customer care service.
  • Free Future Claim AssistancePolicyX is always there to help and assist your claim under any term insurance company.
Why Choose PolicyX.Com

HDFC ERGO Health Insurance Renewal

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.

  • Visit the official website and click on 'renewal'.
  • Enter your existing details such as policy number, mobile number, email-id, etc.
  • Click on the 'Renew Now' button.
  • Pay online and renew your HDFC ERGO mediclaim policy.

HDFC ERGO Health Insurance Claim Process

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:

The company claims to approve cashless claims within 20 mins and the process is defined below:

  • Intimate the company by filling the pre-auth form
  • The company will update you on the status of the form
  • Hospitalization will be done on the basis of claim form approval
  • At the time of discharge of the patient, the company will settle the claim directly with the hospital.

The company claim that it settles the reimbursement claim within 6 working hours and the process is mentioned below:

  • Intimate the company within 48 hours of hospitalization (24 hours in case of emergency)
  • Submit the claim form along with ID proofs, KYC documents, and a canceled cheque
  • Claim team will verify the form and the documents
  • The company will send the approval letter
  • Insurance company will reimburse the claim amount within 6 working days

How To Contact HDFC ERGO Health Insurance?

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

HDFC ERGO Health Insurance: Frequently Asked Questions

1. When can I include my kids in HDFC 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. Will a health plan offered by HDFC ERGO cover pre-existing illness?

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.

4. 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.

5. 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.

6. 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.

7. 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.

8. Is it possible to change my hospital during the course of 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.

9. 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 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.

10. 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.

11. 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.

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

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.

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

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

14. 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.

15. 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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Read Reviews & Ratings

Customer Review Image

Aniruddh Singh


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

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Subhro Jha


September 14, 2022

It was great experiance with about the claims as i got rejection my claim from HDFC Ergo but after getting support of i got my claim and the complete amount is given by...

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Vedika Verma


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

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Vedantu Singhania


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 who helped me at every...

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Usha Dodiya


May 20, 2021 give very good insurance policy I will recommend to everyone and manager support is very gool

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harish kumar


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

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ambika chauhan


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

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Ashu Goyal


March 4, 2021

I have taken the policy of HDFC ergo by Policy X.Com , Claim settlement Tat is very Good . Policy team is helpful about claim settlement without any issue.

View All HDFC Ergo Health Insurance Reviews