HDFC ERGO Health Benefits
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HDFC ERGO Health Insurance Benefits

HDFC ERGO Health Insurance is the second-largest private insurance provider in India. It offers a diverse range of tailor-made insurance plans that cater to the requirements of people from different walks of life.

With the inflation rate of 5% and the sudden surge in the expenses of health-related treatment after three years of the pandemic, people are undoubtedly aware of getting health insurance plans.

If you’re holding health insurance, it surely assures you at the time of a sudden health crisis and eliminates any sort of financial burden. Apart from financial benefits, there are several additional benefits of purchasing an HDFC ERGO health insurance policy. In this article, we’ll discuss the other benefits of HDFC ERGO health insurance.

Benefits of HDFC ERGO Health Insurance

There are countless options for health insurance plans, but HDFC ERGO is among the popular health insurance policy providers. Whether you’re an academic student, wage worker, salaried man, pensioner, businessman, or working in other professions, you can still attain additional benefits of an HDFC ERGO health insurance policy. It also offers wider coverage options, including cashless hospitalization at 13,000+ network hospitals, daycare treatments, no-room rent restrictions, AYUSH Treatment cover, etc.

There are some additional benefits offered by insurance providers, let’s have a look at them:

  1. Coverage for Room Rent

    One of the general perks of HDFC ERGO health insurance is that in addition to covering your treatment and medical expenses, this plan will also pay for the rent of your hospital room. Please note that your health insurance plan also determines your desired hospital room. However, HDFC ERGO health insurance plans do not have a room rent sub-limit.

  2. Tax Saving

    Saving taxes for policyholders is an essential feature of the HDFC ERGO health plans. According to tax benefits under section 80D of the Income Tax Act of 1961, you’re eligible for a limited tax break on premiums paid for your health insurance policy. The maximum annual deductible for health insurance premiums paid for yourself, your spouse, and your dependent children is INR 25, 000 if you’re under 60. For those above 60, the tax-deductible sum is INR 50,000. Additionally, you’re qualified for a tax deduction of up to INR 50,000 if any of your dependent parents are seniors and an additional INR 25,000 per year if they’re not.

  3. Annual Health Check-up

    HDFC ERGO understands the best cure for medical complications is to stop them from becoming severe. Therefore, the insurer offers the benefit of annual health check-ups with the insurance plan. Policyholders can attain free health check-up benefits and assess their health condition without paying for the check-up costs. However, this proactive strategy enables policyholders to identify potential health issues early, which results in prompt interventions and improves overall health.

  4. Easy Claim Settlement

    One of the most essential features of HDFC ERGO health insurance is its simple and quick claim settlement process. Any cashless or reimbursement option can be used to settle claims when purchasing HDFC ERGO health insurance. In recent years, the company’s claim settlement ratio, or CSR, has increased, which is quite encouraging. However, the Insurance Regulatory and Development Authority of India (IRDAI) and the HDFC ERGO official website allow you to view the CSR data. With a very effective claim settlement process, HDFC ERGO claims to settle 1 claim each minute. The company resolved 99.49% of claims in the financial year 2021-22 within three months, and only 0.2% took longer.

  5. Wider Pre & Post-hospitalization

    As we know, additional expenses will be associated when it comes to medical emergencies and treatment. As a policyholder, you wish to get coverage for the costs related to medical emergencies under your policy. Therefore, one of the main advantages of the HDFC ERGO health insurance plan is that it offers more comprehensive pre & post-hospitalization coverage. The insurer provides wider coverage, including 180 days for post-hospitalization expenses for investigations, therapies, or consultation fees, and 60 days for pre-hospitalization costs.

  6. No Claim Bonus

    To appreciate a healthy lifestyle, HDFC ERGO offers no claim bonus perks for every claim-free year. Policyholders who do not make any claims throughout the year will get a cumulative no-claim bonus of 5% on the sum insured for every claim-free year. It is an ideal way to motivate people to live a healthy lifestyle and reduce the need for medical interventions. For instance, buying an HDFC ERGO Health Suraksha plan allows policyholders to earn a cumulative no-claim bonus of 5% on the sum insured annually.

  7. Lifelong Renewability

    The insurer offers its prospective or existing policyholders health plans with lifelong renewability. However, lifetime renewability is a clause in a health insurance policy. It allows policyholders to renew their healthcare plan to keep it valid and save them from the hassle of re-qualifying for a new health insurance policy every few years.

  8. 24x7 Dedicated Customer Service

    HDFC ERGO Health Insurance is well-known for its customer support system, provides assistance round the clock, and is always ready to provide professional assistance. The team of dedicated customer representatives is always pleased to assist and cater to customer queries, grievances, and needs efficiently. Whether you need assistance with the claim process, renewal, buying process, or any other relevant inquiry.

Conclusion

You can choose the best coverage if you’re aware of the advantages of health insurance. Plans from HDFC ERGO provide extensive coverage to customers and ease the burden during medical crises. Without concern about medical expenses, you can attain the best care at a reputable hospital. The insurance provider offers several benefits associated with health plans such as free health checkups, tax benefits under section 80D, cashless treatment, no claim bonus, Etc.

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.

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:

Women Health Insurance

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)

My:Health Women Suraksha Policy
  • Lifetime renewal
  • Wellness Incentives
  • Add-On Coverage

My:Health Women Suraksha Policy (Cons)

My:Health Women Suraksha Policy
  • Obesity or weight control
  • Cosmetic surgeries
  • Maternity cover
  • Change of gender treatment

My:Health Women Suraksha Policy (Other Benefits)

My:Health Women Suraksha Policy
  • Post Diagnosis Support
  • Cancer Cover
  • Major Illness Cover
  • Surgical Procedure
  • Critical Illness Cover

My:Health Women Suraksha Policy (Eligibility Criteria)

My:Health Women Suraksha Policy
  • Entry age: 18 to 65 years
  • Sum insured: 1 Lakh to 1 Crore
  • Policy term: 1/2/3 years

Individual and Family Health Insurance

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)

HDFC ERGO Arogya Sanjeevani Policy
  • Pre and post-hospitalization
  • Doctor consultation
  • AYUSH treatment
  • Preventive health check-ups

HDFC ERGO Arogya Sanjeevani Policy (Cons)

HDFC ERGO Arogya Sanjeevani Policy
  • Maternity expenses
  • Daily hospital cash
  • Modern treatment
  • Organ donor cover

HDFC ERGO Arogya Sanjeevani Policy (Other Benefits)

HDFC ERGO Arogya Sanjeevani Policy
  • Family floater cover
  • SI upto 10 Lakhs
  • Lifelong renewability

HDFC ERGO Arogya Sanjeevani Policy (Eligibility Criteria)

HDFC ERGO Arogya Sanjeevani Policy
  • Min. Entry Age - 18 Years
  • Max. Entry Age - 65 Years
  • Si - Up to 10 L
  • Initial Waiting Period - 30 Days

Individual and Family Health Insurance

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)

HDFC ERGO Optima Secure Global Plan
  • Pre and post-hospitalisation
  • Organ donor expenses
  • AYUSH treatment

HDFC ERGO Optima Secure Global Plan (Cons)

HDFC ERGO Optima Secure Global Plan
  • Modern treatment
  • Vaccination unavailable
  • Maternity and newborn baby cover
  • Cataract cover

HDFC ERGO Optima Secure Global Plan (Other Benefits)

HDFC ERGO Optima Secure Global Plan
  • E-opinion for 51 critical illnesses
  • Add-on covers
  • Overseas travel secure

HDFC ERGO Optima Secure Global Plan (Eligibility Criteria)

HDFC ERGO Optima Secure Global Plan
  • 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 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)

HDFC ERGO Optima Secure Plan
  • Hospital Cash Benefit
  • No Cost Instalment Option
  • Restore Benefit
  • Unlimited Restore

HDFC ERGO Optima Secure Plan (Cons)

HDFC ERGO Optima Secure Plan
  • Maternity cover NA
  • Newborn care unavailable
  • OPD cover unavailable

HDFC ERGO Optima Secure Plan (Other Benefits)

HDFC ERGO Optima Secure Plan
  • Aggregate deductible discounts
  • Disposables & consumables cover
  • Worldwide cover

HDFC ERGO Optima Secure Plan (Eligibility Criteria)

HDFC ERGO Optima Secure Plan
  • 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

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)

HDFC ERGO Personal Accident Insurance
  • Accidental Death
  • Permanent Total Disability
  • Broken Bones
  • Burns

HDFC ERGO Personal Accident Insurance (Cons)

HDFC ERGO Personal Accident Insurance
  • Breach of law
  • Pregnancy or childbirth
  • Self-inflicted injury

HDFC ERGO Personal Accident Insurance (Other Benefits)

HDFC ERGO Personal Accident Insurance
  • Ambulance costs
  • Hospital cash
  • Lump sum payout benefit
  • Air ambulance cover

HDFC ERGO Personal Accident Insurance (Eligibility Criteria)

HDFC ERGO Personal Accident Insurance
  • Entry Age: 18 - 65 years
  • Policy Term: 1/2/3 years
  • Initial Waiting Period: None
  • Sum Insured: 20 L - 10 Cr

Critical Illness Health Insurance

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

iCan Cancer Insurance Plan (Pros)

iCan Cancer Insurance Plan
  • Cancer cover
  • In-patient hospitalization
  • Ambulance cover

iCan Cancer Insurance Plan (Cons)

iCan Cancer Insurance Plan
  • Maternity cover
  • Newborn cover
  • Organ donor cover
  • Global coverage

iCan Cancer Insurance Plan (Other Benefits)

iCan Cancer Insurance Plan
  • COVID-19 cover
  • Pre and post-hospitalization
  • ICU charges

iCan Cancer Insurance Plan (Eligibility Criteria)

iCan Cancer Insurance Plan
  • Entry age: 5 to 65 years
  • POlicy term: 1 year
  • Initial waiting period: 120 days

Individual and Family Health Insurance

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)

My:Health Suraksha Smart Plan
  • Air ambulance cover
  • Recovery benefit
  • Infertility cover

My:Health Suraksha Smart Plan (Cons)

My:Health Suraksha Smart Plan
  • Vaccination cover unavailable
  • Second medical opinion not available
  • Maternity cover
  • Newborn baby cover

My:Health Suraksha Smart Plan (Other Benefits)

My:Health Suraksha Smart Plan
  • Family discount
  • Long-term policy discount
  • Loyalty discount

My:Health Suraksha Smart Plan (Eligibility Criteria)

My:Health Suraksha Smart Plan
  • 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

Individual

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

Unique Features

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

HDFC ERGO Energy Diabetes Plan (Pros)

HDFC ERGO Energy Diabetes Plan
  • Personal health coach
  • Rewards for premium discount
  • Diabetes and Hypertesion cover

HDFC ERGO Energy Diabetes Plan (Cons)

HDFC ERGO Energy Diabetes Plan
  • ICU cover unavailable
  • AYUSH treatment
  • OPD not covered
  • Domiciliary treatment unavailable

HDFC ERGO Energy Diabetes Plan (Other Benefits)

HDFC ERGO Energy Diabetes Plan
  • Organ donor cover
  • Ambulance services
  • Pre & post-hospitalization cover

HDFC ERGO Energy Diabetes Plan (Eligibility Criteria)

HDFC ERGO Energy Diabetes Plan
  • 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

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)

HDFC ERGO Health Wallet Family Floater
  • Inpatient and outpatient cover
  • OPD cover
  • Domiciliary hospitalization

HDFC ERGO Health Wallet Family Floater (Cons)

HDFC ERGO Health Wallet Family Floater
  • Air ambulance
  • E-consultations
  • Health check-up
  • Modern treatment cover

HDFC ERGO Health Wallet Family Floater (Other Benefits)

HDFC ERGO Health Wallet Family Floater
  • Global coverage
  • Daycare procedures
  • Health check-up
  • Vaccination charges

HDFC ERGO Health Wallet Family Floater (Eligibility Criteria)

HDFC ERGO Health Wallet Family Floater
  • Entry age: 18 to 65 years
  • Initial waiting period: 30 days
  • Sum insured: 3 to 50 Lakhs
  • Policy term: 1/2/3 years

Top Up and 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)

My Health Medisure Super Top Up
  • Day care procedures
  • High sum insured
  • 6 Hours response guarantee

My Health Medisure Super Top Up (Cons)

My Health Medisure Super Top Up
  • Adventure sport injuries
  • Self-inflicted injuries
  • War

My Health Medisure Super Top Up (Other Benefits)

My Health Medisure Super Top Up
  • Deductibles offered
  • Covers family members
  • Versatile plan

My Health Medisure Super Top Up (Eligibility Criteria)

My Health Medisure Super Top Up
  • 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 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)

HDFC ERGO Koti Suraksha Plan
  • Air ambulance
  • OPD cover
  • Domiciliary hospitalization
  • Emergency global coverage

HDFC ERGO Koti Suraksha Plan (Cons)

HDFC ERGO Koti Suraksha Plan
  • Vaccination not covered
  • Modern treatment unavailable
  • Maternity & newborn baby care unavailable

HDFC ERGO Koti Suraksha Plan (Other Benefits)

HDFC ERGO Koti Suraksha Plan
  • In-patient hospitalization
  • Daycare procedures
  • Health check-up cover

HDFC ERGO Koti Suraksha Plan (Eligibility Criteria)

HDFC ERGO Koti Suraksha Plan
  • Entry age: 18 to 65 years
  • Sum insured: 50 Lakhs & 1 Crore
  • Waiting period: 30 days
  • Policy term: 1/2/3 years

Individual and Family Health Insurance

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 fami...

Unique Features

  • Get recovery benefit
  • 100% SI restoration
  • 1 year waiting period reduction

HDFC ERGO Optima Restore Plan (Pros)

HDFC ERGO Optima Restore Plan
  • Restore benefit
  • 2X Multiplier benefit
  • Renewal discounts

HDFC ERGO Optima Restore Plan (Cons)

HDFC ERGO Optima Restore Plan
  • AYUSH not covered
  • OPD cover unavailable
  • Global health cover

HDFC ERGO Optima Restore Plan (Other Benefits)

HDFC ERGO Optima Restore Plan
  • Recovery benefits
  • Organ donor cover
  • In-patient and out-patient hospitalization

HDFC ERGO Optima Restore Plan (Eligibility Criteria)

HDFC ERGO Optima Restore Plan
  • Entry Age: 18 - 65 Years
  • Sum Insured: 3 | 5 | 10 | 15 | 20 | 25 | 50L
  • Initial Waiting Period: 30 Days

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HDFC ERGO Health Benefits: FAQs

1. What is the CSR of HDFC ERGO?

Based on the recent update, the HDFC ERGO health insurance claim settlement ratio is 98.49%.

2. What is the waiting period for HDFC ERGO?

It covers the critical illnesses policyholders have to serve a waiting period of 90 days.

3. What is covered in HDFC ERGO health plans?

The insurer covers pre & post-hospitalization expenses for up to 60 days, such as X-ray, CT scan, MRI, ultrasound, medicines, and other diagnostic needs.

4. How many critical illnesses does HDFC ERGO cover?

HDFC ERGO health insurer covers up to 15 critical illnesses.

5. What is not covered by HDFC ERGO?

HDFC ERGO health plan does not cover treatment for alcholoism, drug, or any sort of addictive condition.

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