HDFC ERGO Health Check-up
  • How to apply for free check up
  • Annual health check-up benefits
  • List of free check-up
HDFC ERGO Health Insurance
premium

Network hospitals

12000+

premium

Incurred claim ratio

79.04%

premium

Sum insured

Up to 2 CR

premium

No. of Plans

11

premium

Solvency Ratio

1.7

premium

Pan India Presence

200+

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

12000+

premium

Incurred claim ratio

79.04%

premium

Sum insured

Up to 2 CR

premium

No. of Plans

11

premium

Solvency Ratio

1.7

premium

Pan India Presence

200+

Introduction to HDFC ERGO Free Health Check-Up

'Good health is not a product that one can buy, but is earned with healthy practices throughout their lifetime'. It's not just a general thing to say, as our lifestyle practices directly impact our health in a good or bad way.

But how come somebody knows if they're healthy? The simplest way is by going through a medical examination of their body once in a while. A full-body or profile medical check-up consists of a regular diagnosis of one's blood pressure, blood sugar levels, urine, metabolism, thyroid, vitamins, hormonal altercations, and so on. However, getting all these tests at a time may seem expensive to many of us. In such conditions, we should rely on our health insurance policy which provides coverage for preventive or an annual health check-up.

Read this article to learn about the types of general health tests covered under HDFC ERGO free health check-up coverage, how to avail of the free health check-ups against your policy, and how can you benefit from it.

Why do you need HDFC ERGO Free Health Check-Up?

To stay aware of any upcoming illness or ailment, it's necessary to keep track of the internal changes your body is going through. The best way of keeping track of your overall health is by going through a full-body medical examination.

Other than this, here are some additional benefits of getting a free health check-up under your HDFC ERGO health insurance policy:

  • Detection of potential disease

    HDFC ERGO health insurance free health check-up promotes the recognition of any disease even before it impacts you. Hence, minimizing the risk of an upcoming severity.
  • Helps stay healthy for a long time

    Going through an annual or regular health check-up inspires you to maintain a healthy lifestyle, work out regularly, eat healthy, and reduce/quit unhealthy habits.
  • Motivates to avoid stressing out

    If you have a health insurance plan that offers you preventive annual health check-up coverage at no additional cost, it saves you from stressing out about future health complications.
  • Saves more on diagnostics

    Full body medical examinations can cost you a hefty amount, and sometimes it's not easily affordable for everyone. In such scenarios, a health insurance policy with free annual health check-ups can cover you all year round.

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List of Free Health Check-ups under HDFC ERGO Health Insurance

Free medical check-ups are subject to the annual health check-up coverage in your policy schedule. However, here's a generic list of the free medical diagnostics under the HDFC ERGO health insurance policy:

  • Urine Analysis
  • Blood Pressure Test
  • Blood Sugar Test
  • Liver Function Test
  • Lipid Profile
  • Kidney function test
  • Lung function test
  • ECG Test
  • Tests for Vitamin Deficiencies
  • Pap smear (for women, recommended once a year)

How Can You Apply for HDFC ERGO Free Health Check-Up?

The policyholder is eligible to get a full body check-up annually or as many times during a policy year as mentioned in the policy schedule. HDFC ERGO Health Insurance free health check-up is applicable along with several of their popular health plans.

You can receive an annual free health check-up on a cashless settlement basis (in a networking hospital) or on a reimbursement basis depending on the plan you are buying.

Note:- The criteria for annual health check-ups vary from policy to policy. If your base policy does not cover annual health check-ups, you will not be able to receive any such facility with the same.

HDFC ERGO Health Insurance Plans with Coverage for Free Health Check Up

Below are some of the plan under HDFC ERGO Health Insurance that provides free annual or preventive health check-ups:

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

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

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 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

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

To know more, go to the website of HDFC ERGO Health Insurance. You can also reach out to their customer care at 022 6234 6234/+91 0120-6740895 or email at care@hdfcergo.com.

If you still need help, reach out to the customer care of PolicyX.com. Or you can directly contact our expert insurance advisors at PolicyX.com or call 1800-4200-269.

HDFC Ergo Health Check-up : FAQ's

1. Does Hdfc Ergo health insurance cover full body checkup?

It depends on the type of policy you are opting for. However, most of the Hdfc Ergo health plans provide common health check ups (such as blood sugar, urine, lipid and thyroid profile, etc) for free.

2. Can the result of my health check-up affect my HDFC ERGO policy's premium?

No. Your medical reports related to annual or preventive health check-ups cannot affect your premiums (unless you have a pre-existing disease). Your policy's premium stays as same as it's quoted at the time of policy issuance.

3. What should I consider before buying a health insurance policy for free health check-ups?

Things to consider while buying a health insurance policy for complementary health check-ups are:

  • Frequency of health checkups in a policy year
  • No claim health check-up clause (voluntary)
  • Cashless check-up facility at networking/service-providing centres
  • Physical and medical check-up coverage
  • Annual health check-ups are based on the limit of the sum insured

4. Is annual health check-up covered by HDFC ERGO health insurance?

There are multiple health plans under HDFC ERGO which provide annual or preventive health check-ups, some of them are:

Health Insurance Companies

What Our Customers Have to Say

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Achintya Sharma

Ranchi

May 10, 2024

I’ve been covered by HDFC ERGO Platinum Health Guard plan for years now, and it has been a lifesaver. The coverage is extensive, and the claim process is so easy. I highly recommend the p...

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Patra Ahuja

Gandhinagar

April 8, 2024

I was looking for the best health insurance policy. PolicyX came up and eased up my whole task. They suggested HDFC ERGO Optima Secure, it is the best decision ever.

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Sunidhi Makkar

Mumbai

April 8, 2024

PolicyX was a great resource when I was shopping for health insurance. Got to know a few insights about the company I hold a policy with, HDFC ERGO.

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Harsh Wardhan

Madurai

April 8, 2024

I would extend my gratefulness to the PolicyX team who helped me get the best health insurance policy from HDFC ERGO.

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Nipun Walia

Pune

April 8, 2024

Buying HDFC ERGO Health Insurance with the help of PolicyX was the best purchase of my life. Thank you so much team for helping me out.

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Prema Singhania

Madurai

April 8, 2024

I am so glad that I got my first Health Insurance policy with the help of PolicyX. I am secure now after getting the HDFC ERGO Health Insurance Plan.

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Padma Ray

Bhopal

March 15, 2024

Always wanted to buy a health insurance for myself with my first salary. PolicyX helped me choose the HDFC ERGO My:Health Women Suraksha, specifically made for heathcare needs of women.

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Ryan Mukherjee

Coimbatore

March 14, 2024

HDFC ERGO Critical Illness Health Insurance Policy is the best choice of my life. I would like to thank PolicyX and the team for their support.

View All HDFC Ergo Health Insurance Reviews

Simran Nirala

Written By: Simran Nirala

Simran has an experience of 3 years in insurance content writing. She transitioned from hospitality to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner she keeps her audience hooked and solves their doubts smoothly.