HDFC Ergo Health Benefits
  • Understand the Benefits
  • Dedicate Customer Support
  • Lifetime Renewability
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Network hospitals

12000+

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Claim settlement ratio

98.49%

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Sum insured

2 CR

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No. of Plans

7

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Solvency Ratio

1.68

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Pan India Presence

200+

Customized Health Insurance Plan for you.

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Select Members You Want To Insure

Age of Eldest Member

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Network hospitals

12000+

premium

Claim settlement ratio

98.49%

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Sum insured

2 CR

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No. of Plans

7

premium

Solvency Ratio

1.68

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Pan India Presence

200+

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 provides assurance 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+ hospitals, daycare treatments, no-room rent restrictions, AYUSH cover, etc.

There are some additional benefits offered by insurance provider, 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 determine 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 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 premium 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 a 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 improve 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 increases, 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 advantage 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 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 policyholder to earn a cumulative no-claim bonus of 5% on the sum insured annually.

7. Lifelong renewability

The insurer offer 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 representative always pleased to assist and cater customer queries, grievances and needs with efficiency. Whether you need assistance for 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, cashless treatment, no claim bonus, Etc.

Explore other HDFC ERGO Health Plans

HDFC ERGO Health Insurance providers offer a diverse range of tailor-made insurance plans that are designed to serve people from different walks of life in the best way possible. Take a look:

Comprehensive

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

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

  • 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

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

  • 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

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

  • 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

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

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

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

  • 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 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.

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 of HDFC ERGO?

T cover the critical illnesses policyholdersm 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 illnesses does HDFC ERGO cover?

HDFC ERGO health insurer covers up to 15 critical illnnesses.

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.

Health Insurance Companies

Read Reviews & Ratings

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Vikram Bawa

Coimbatore

February 16, 2024

Having health insurance is necessary, which I got to know because of PolicyX. Thank you team for helping me choose the HDFC ERGO Health Insurance plan for my family.

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Aadhya Kapoor

Agra

October 4, 2023

I trust Policyx.com for insurance advice, and HDFC Ergo Health Insurance was the right choice for my family.

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Yashika Khanna

Pune

October 4, 2023

Policyx.com s partnership with HDFC Ergo Health Insurance is a winning combination for anyone seeking quality coverage.

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Vrinda Chauhan

Patna

October 4, 2023

HDFC Ergo Health Insurance, suggested by Policyx.com, offers comprehensive coverage at a reasonable price.

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Vidyut Sharma

Rajkot

October 4, 2023

Policyx.com s expertise in insurance guided me towards HDFC Ergo Health Insurance, a wise investment.

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Vidisha Gupta

Pune

October 4, 2023

I couldn t have chosen a better health insurance provider than HDFC Ergo, and Policyx.com led me to them.

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Veer Singh

Patna

October 4, 2023

Policyx.com s services, combined with HDFC Ergo Health Insurance, have ensured our health and well-being.

Customer Review Image

Varsha Verma

Agra

October 4, 2023

Thanks to Policyx.com, I made an informed decision by choosing HDFC Ergo Health Insurance for my family.

View All HDFC Ergo Health Insurance Reviews

Sahil Singh Kathait

Written By: Sahil Singh Kathait

Sahil is a passionate content writer with over two years of expertise in the insurance domain. He uses his knowledge in the field to create engaging content that the customer can relate to and understand. His passion lies in simplifying insurance terminology, ensuring a hassle-free understanding for potential policyholders. With his outstanding collaborative efforts with people, he understands different perspectives and keeps readers' viewpoints at the forefront of his content writing approach.