HDFC ERGO Health Check-up
  • How to apply for free check up?
  • Annual health check-up benefits
  • List of free check-ups
HDFC ERGO Health Check-up
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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.

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 network 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.

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 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.

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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 2, p...

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 family un...

Unique Features

  • Recovery benefit
  • SI restoration
  • Waiting period reduction

Optima Restore Plan (Pros)

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

Optima Restore Plan (Cons)

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

Optima Restore Plan (Other Benefits)

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

Optima Restore Plan (Eligibility Criteria)

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

Health Insurance Companies

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HDFC ERGO Health Check-up: FAQs

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. 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:

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Simran Nirala

Written By: Simran Nirala

Lives In: Delhi, NCR Expertise: Health & Term Insurance Simran has an experience of 4 years in content writing. She transitioned from hospitality and digital marketing 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.