HDFC ERGO Health Insurance

HDFC ERGO Health Insurance

  • Renew or Buy policy in just 2 mins
  • 1,00,000 + Happy Customers

Get Instant Quotes

Cover For
(eldest member)


HDFC ERGO Health Insurance Company

One of the best known and oldest private general insurance companies in India, the HDFC ERGO general insurance company limited has its headquarters in Mumbai, Maharashtra. However, it operates all over India through its branches in more than 90 cities.

Like other private insurance firms in India, HDFC ERGO is a joint venture. 51% of its stocks are held by HDFC Ltd., an Indian financial services company and the rest 49% belongs to a German company called ERGO International AG. The ERGO Group is one of the largest insurance groups based in Europe and it is in operation since the last 20 years. Hence, it brings its expertise to the table.

This general insurance firm offers a variety of products for customers, from motor insurance to trade credit insurance. The company relies on its hassle-free and superior customer support service to satisfy the needs of its many customers. It also has an ISO certification for its services. In fact, the company tagline reads 'Take it easy, Experience the convenience'.

HDFC ERGO General Insurance: Achievements

It is the fourth largest Indian private general insurance company. The Gross Written Premium for the year 2014-15 was Rs.3257 crores. The number of the policies that have been sold exceeds 4.5 million. HDFC ERGO progresses continuously by offering unparalleled features and great products.

Over the years, the company has accumulated several awards for itself, like the ICAI Award for Excellence in Financial Planning. Another bestowment is the Best Customer Experience Award of the year by Kami Kaze. CMS Outstanding Affiliate World-Class Service Award 2015 by Chubb Multinational Solutions also shows the level of the services offered by HDFCERGO general insurance company limited. Moreover, the firm has received the rating of iAAA by ICRA, which indicates its highest claim paying ability.

Besides recognition for its excellent services, the business model of the company is also praiseworthy. HDFC ERGO has acquired L&T General Insurance. Through ethical and dynamic approach, the company aims to be the most admired company in the industry.

HDFC ERGO Online Facilities

OnThe use of websites and applications is on the rise and the technological advance is a boon for the insurance industries. The usage of the internet to provide services has made the whole insurance process easier and faster for the customers. HDFC ERGO makes features like online payment, online renewal, customer service chat and other such services available to the customers.

The customers can directly use the HDFCERGO login option on the official website and conduct various functions online. The insurance firm provides flexible payment options through the net. A customer can pay through various modes like credit cards, net banking and debit cards of various banks.

All the information about the insurance solutions is available on the website. Visitors to the HDFC ERGO website or potential customers can make use of the instant chat option to contact the company's representatives. They will be able to give any information regarding the policies and services. Also, the WebPages allow a customer to look up the company's network hospitals and network garages where they can make cashless claims.

HDFC Health Insurance Plans

The health insurance policies by HDFCERGO are designed for the benefit of individuals and families. The company offers its comprehensive and unique products at competitive prices. The policies cover hospitalisation, accidents, pre- and post-hospitalisation expenses at the very least.

The range of the coverage depends upon the policy that is chosen. The many advantages that the company offers include no hospital room rent sub-limits, free health check-ups after a few claim-free years, and cumulative no-claim bonus. A 24X7 customer assistance phone line is also available when claims are to be made.

The useful health insurance products have gained the company millions of customers and a lot of corporate clients too. The products are sold online and through the 109 branches located all over India. The network hospital list, which is 5000 strong, adds a lot to the advantages that HDFCERGO health insurance policies offer. The claims process for cashless or reimbursement claims is easy. All the information about the procedure and the documents required for claims is provided on the policy papers and even on the website.

There are about 2 types of solutions and 8 different policies. The indemnity plans compensate for the expenses that the customers have incurred and the lump-sum plans provide fixed benefit amount. Since the website offers detailed info about all the different policies, a customer can make an informed choice while buying. Some plans offer basic protection and are cheaper while others comparatively cost more but give better coverage. However, any of the plans from HDFCERGO general insurance company are extremely beneficial and help customers avoid financial woes.

The various indemnity benefits include in-patient treatment, medical check-ups, day-care procedures, organ donor expenses, domiciliary treatment, emergency ambulance benefit, etc. Maternity benefits, regain benefits, convalescence benefits, etc. are included in some of the plans. Optional add-ons are also available. The lump-sum category has only one plan, i.e. the critical illness plan, but in 2 variants. The premium for any of these plans can be calculated on the online premium calculator before buying. This surely is a helpful tool.

The firm also provides various special deals for its health insurance customers, collectively called 'Customer Delight'. It has partnered with many independent pharmacies, spas, health clinics and so on to offer exclusive benefits. Some of the services are diagnostic centres, Ayurveda clinics, blood banks, ambulance service and eye clinics. A customer can locate the nearest service providers on the website easily.

A summary of what the different HDFCERGO health policies offer can give an idea of which policy to buy. Each plan has much to offer where it comes to coverage and features.

Health Suraksha: A plan beneficial for individuals and families alike, this policy can be bought with sum insured ranging from Rs.3 lakhs to Rs.10 lakhs. The premium rate is in the affordable range, yet it offers a wide coverage.

Health Suraksha with Regain and ECB: This plan comes with added advantages of Enhanced Cumulative Bonus and Regain of sum insured if it was exhausted during the last claim in the same year. There is no limit on the entry age for the policy and there are no sub-limits on any of the expenses like hospital charges and doctor's fees.

Health Suraksha Gold: This is a comprehensive and complete plan that covers maternity benefits and provides free E-opinion for critical illness. It can be bought online and includes convalescence benefit too.

Health Suraksha Goldwith Regain and ECB: Similar to the Health Suraksha Gold, for a little extra premium, customers can get the benefit of Enhanced Cumulative Bonus cover and sum insured regain benefit. This is the most advantageous policy that HDFC ERGO offers.

My Health Medisure Super-Top-Up: This policy can be bought with an existing health insurance to get extra protection. The top-up plan is cheap and provides more financial welfare in times of need. This can also be bought as a basic policy.

My Health Medisure Classic: This is a unique plan by the company to cater to families. Maternity and newborn cover, recovery benefit, additional ambulance cover, etc. are its various features.

Critical Illness Silver: This policy provides lump-sum amount if the insured is afflicted with any of the 9 mentioned critical illnesses. The illnesses include multiple sclerosis and cancer.

Critical Illness Platinum: This plan is a better variant of the Critical Illness Silver plan and covers 15 different illnesses. This can be a saviour when a customer is at the lowest point of life.

Contact Address

HDFC ERGO General Insurance Company Ltd.
6th Floor, Leela Business Park, Andheri Kurla Road, Andheri (E), Mumbai - 400 059
E-mail: healthclaims(at)hdfcergo(dot)com
Tel : 022-6638 3600 , Fax : 022-6638 3699

HDFC ERGO Health Insurance News

Insurers Introduce Consumer Awareness Drive

The insurance companies are now taking a few steps to support the concept of insurance among people. These awareness campaigns comprise of social media promotions, road shows and customer meets. The focus here is not the brand promotion or advertising, but purely for insurance awareness. For example, Bajaj Allianz Life Insurance has approved an insurance


Wednesday January 06, 2016

Delhi: Odd-Even Rule Might Lead To Lower Motor Premium

 In Delhi, the odd-even plan for cars might lead to a reduction in the premiums of motor insurance policies, as the car can ply on alternate days. According to the claims data of insurance companies, premiums could be reduced as risks from a motor’s usage will come down. Mukesh Kumar, Exceutive Director at HDFC ERGO


Thursday January 07, 2016

Linking Of Aadhaar With Insurance Policy Is Mandatory, Says IRDA

On Wednesday, 8th Nov 2017, the Insurance Regulatory And Development Authority Of India (IRDA) said that the linking of Aadhar number with insurance plans is compulsory and asked insurance companies to implement the statutory norms.  “The Authority clarifies that, linkage of Aadhaar number to insurance policies is mandatory under the Prevention of Money Laundering (Maintenance


Monday November 13, 2017

Insurance Calculator

Customer Reviews

"Fast Renewal porcess"
- "Good"

Very easy process, Fast and Reliable. Read More.. Very easy process, Fast and Reliable.

Kabir, Patna
Reviewed On 05-04-2018
"Recommendable Work"
- "Great"

Good Service and helpful team thank you HDFC ERGO. I purchased Health Suraksha Gold insurance plan. I will recommend HDFC ERGO health plans to my frie Read More.. Good Service and helpful team thank you HDFC ERGO. I purchased Health Suraksha Gold insurance plan. I will recommend HDFC ERGO health plans to my friends.

Ishaan, Noida
Reviewed On 04-05-2018
- "Great"

I am happy with the pricing and purchase experience. Read More.. I am happy with the pricing and purchase experience.

Dhruv, Chandigarh
Reviewed On 02-04-2018

Aggregate Rating for HDFC ERGO Health Insurance Company Insurance    [ 3  ]

*Information provided on this webpage/website is only for the purpose of general information & understanding of the topic. PolicyX or any of its subsidiaries does not endorse any of the information provided herewith and are committed in providing correct and unbiased information to its customers helping them make an informed decision.