You need health cover regardless of what you take two at a time - pills or stairs.

HDFC ERGO Health Insurance

HDFC ERGO Health Insurance
 4.0 / 5.0   by 159 users
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Cashless Treatment

Fees & Charges

Promised Interest Rate

Customer Service

Medical Coverage

Claim Experience

Responsiveness

HDFC ERGO General Insurance Company Ltd. is a 74:26 joint venture between HDFC Ltd., India?s premier Housing Finance Institution and ERGO International AG, the primary insurance entity of Munich Re Group. HDFC ERGO offers complete range of general insurance products ranging from Motor, Health, Travel, Home and Personal Accident in the retail space and customized products like Property, Marine and Liability Insurance in the corporate space. HDFC ERGO is the 4th largest private sector general insurance company in India.


HDFC ERGO Health Insurance at a Glance

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Coverage for your most loved ones

Total members covered

Coverage for a maximum of 4 family members with up to 2 adults and 2 children

You get a choice of coverage tenure

Pre and Post Hospitalization cover

Medical expenses covered for 60 days before your hospitalization and 90 days for post hospitalization for related medical expenses

The next best thing to having a doc in the family

Health Check-ups

Health Check-up expenses reimbursed on completion of 4 claimless years


Critical Factors of the Plan

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Not a paisa goes from your own pocket!

Co-Pay

No Co-pay

You?re covered for any future medical expenses

Life long renewable

Plans are lifelong renewable and covers you for your entire lifetime.

Get essential cover for existing ailments

Pre-existing Diseases

Any pre-existing condition will be covered after a waiting period of 4 year

Hospital room rent determines your treatment bill

Room Rent

No Sub-limits on hospital room rents


Additional Features of HDFC ERGO Health Insurance

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Good health offers multiple rewards

5% bonus on Sum Insured for every claim-free year

The world is your healthcare oyster

A network of more than 4800+ hospitals to choose from to avail cashless services

Overview

HDFC ERGO General Insurance

The HDFC ERGO General Insurance Company is the progeny of two immensely respected and influential insurance concerns. HDFC Ltd, is one of India’s premier housing finance institution (74% stake) while ERGO International AG (26% stake) is the insurance wing of the Munich Re Group. The company offers a complete suite of insurance products ranging from motor, health, travel, home and personal accident in the retail space, alongside such products for the corporate sphere such as property, marine and liability insurance. HDFC ERGO General Insurance prides itself at being the 4th biggest private sector general insurance company in India, with 1700+ employees working in 104 branches across 87 cities in India. The company is ISO certified and sports the ‘iAAA’ rating as awarded by the ICRA, which points to the company’s flawless record for a high rate of claim settlements. HDFC ERGO General Insurance is indeed, a front runner when it comes to insurance choices in India.


How To Apply HDFC ERGO Health Insurance Online?


Health Insurance from HDFC ERGO

The company markets the following health insurance products- Health Suraksha, Health Suraksha Gold, Health Suraksha Regain, Health Suraksha Top Up, Critical Illness and Critical Illness Platinum.

HDFC ERGO’s Health Suraksha Plan

Key Features

  • Affordable rates.
  • Can be purchased and renewed online.
  • Basic Sum Insured per Policy Year- Rs. 2 lakhs, Rs. 3 lakhs, Rs. 4 lakhs or Rs. 5 lakhs.
  • Cashless hospitalization at 4800+ hospitals across India.
  • Choose between Individual or Family Floater Health Insurance plans.
  • Policy tenures range from 1- 2 years.
  • Cumulative Bonus upon completion of every claimless year.
  • When 4 claimless years are completed, get reimbursement on health check-up expenses.
  • Save tax under Section 80(D) of the Income Tax Act.
  • For applicants under 45 years of age, health check-up is not compulsory.
  • Hassle free claims process, limited documentation and fast settlement times.
  • Zero sub-limits on hospital room rents and expenses, doctor fees etc.

Exclusions- Incidents Not Covered by the Policy

  • Claims raised for illnesses or injuries that were caused due to the use of drugs or alcohol.
  • Pre-existing conditions aren’t covered until the policy is in force for the duration of 48 months continuously.
  • Attempted suicide, death or wounds due to self-inflicted injuries.
  • War, armed conflicts, terrorist activities, radioactivity and other man-made conditions.
  • Inoculation and immunizations measures taken as preventive options, including vaccinations.
  • A waiting period of 30 days for claims, and a waiting period of 2 years for particular diseases and treatments like surgery on tonsils, internal tumours, cysts, sinuses etc.
  • Cosmetic or plastic surgeries (unless recommended as a medically crucial treatment).
  • Acquired Immune Deficiency Syndrome (AIDS) and related diseases.
  • Requirement of hospitalization due to injury or illness caused by a criminal act.

HDFC ERGO’s Health Suraksha Gold

Key Features

  • No age limit at entry with lifelong renewability.
  • Very affordable cost for robust health insurance coverage.
  • Choose between Individual or Family Floater Health Insurance plans.
  • Sum Insured Individual: Rs. 2 lakhs, Rs. 3 lakhs, Rs. 4 lakhs, Rs. 5 lakhs, Rs. 7.5 lakhs and Rs. 10 lakhs. Family Floater: Rs. 3 lakhs, Rs. 4 lakhs, Rs. 5 lakhs, Rs. 7.5 lakhs or Rs. 10 lakhs.
  • Avail 10% discount for a 2 year tenure and a discount of 10% if 2 or more members are covered under the Health Suraksha individual sum insured plan.
  • Cashless hospitalization at 4800+ hospitals across India.
  • Save tax under Section 80(D) of the Income Tax Act.
  • Hassle free claims process, limited documentation and fast settlement times.
  • Covers inpatient hospitalization expenses under Ayurveda, Unani, Sidha & Homeopathy without any sub limit as part of AYUSH Cover.
  • At 4+ years from inception of the policy, full maternity benefit alongside new born baby cover.
  • If hospitalization has exceeded 10 continuous days then convalescence benefit is also provided.
  • Zero sub-limits on any disease, room rent, hospitalization charges, doctor’s fee etc.
  • Upon diagnosis of a critical illness, avail our option for E-opinions.

Exclusions- Incidents Not Covered by the Policy

  • Any hospitalization and treatments within 30 days from inception of the policy. Accidental injuries not included.
  • Initial 4 years waiting period before the maternity benefits kick in.
  • For the first 48 months, pre-existing conditions will not be covered. Also, specific illnesses and treatments might require 24 months as a waiting period before the policy will be applicable.
  • Acquired Immune Deficiency Syndrome (AIDS) and related diseases.
  • Claims raised for illnesses or injuries that were caused due to the use of drugs or alcohol.
  • Hospitalization resulting from terrorist activities, war, radioactive war, nuclear, chemical and biological weapons and warfare.
  • Pregnancy, dental and external aids, unless covered under specific plans.
  • Insanity, mental disorders, cosmetic surgeries, weight control treatments.

HDFC ERGO’s Health Suraksha Regain

Key Features

  • No age limit at entry with lifelong renewability.
  • Very affordable cost for robust health insurance coverage.
  • Choose between Individual or Family Floater Health Insurance plans.
  • Sum Insured- Rs. 3 lakhs, Rs. 4 lakhs, Rs. 5 lakhs, Rs. 7.5 lakhs and Rs. 10 lakhs.
  • Avail 10% discount for a 2 year tenure and a discount of 10% if 2 or more members are covered under the Health Suraksha individual sum insured plan.
  • Cumulative Bonus at 10% for every claim free year, up to 100% of the sum insured.
  • Cashless hospitalization at 4800+ hospitals across India.
  • Save tax under Section 80(D) of the Income Tax Act.
  • Hassle free claims process, limited documentation and fast settlement times.
  • Covers inpatient hospitalization expenses under Ayurveda, Unani, Siddha, and Homeopathy without any sub limit as part of AYUSH Cover.
  • REGAIN Benefit- Ensures automatic availability of sum insured upon its exhaustion.
  • Zero sub-limits on any disease, room rent, hospitalization charges, doctor’s fee etc.

Exclusions- Incidents Not Covered by the Policy

  • Any hospitalization and treatments within 30 days from inception of the policy. Accidental injuries not included.
  • For the first 48 months, pre-existing conditions will not be covered.
  • Acquired Immune Deficiency Syndrome (AIDS) and related diseases.
  • Claims raised for illnesses or injuries that were caused due to the use of drugs or alcohol.
  • Hospitalization resulting from terrorist activities, war, radioactive war, nuclear, chemical and biological weapons and warfare.
  • Pregnancy, dental and external aids, unless covered under specific plans.
  • Insanity, mental disorders, cosmetic surgeries, weight control treatments.

HDFC ERGO’s Health Suraksha Top Up Plus

Key Features

  • A supplement for your existing Mediclaim policy, that helps insure you for a larger sum insured limit at a lower cost.
  • Sum Insured- Rs.2 lakhs, Rs.3 lakhs, Rs.4 lakhs, Rs.5 lakhs, Rs.7.5 lakhs and Rs.10 lakhs.
  • Deductible- Rs.1 lakh, Rs.2 lakhs, Rs.3 lakhs, Rs.4 lakhs and Rs.5 lakhs.
  • When the deductible as per this policy is exhausted, a top-up cover is initiated.
  • No exit age- stay covered for life! Children covered from 91 days onwards.
  • No pre policy check-ups for individuals under the age of 55 years.
  • Choose between 1 & 2 years policy tenure for Individual or Family Floater plans.
  • Save tax under Section 80(D) of the Income Tax Act, which is over and above 80C.

Exclusions- Incidents Not Covered by the Policy-

  • No payments unless the medical expenses exceed the deductible.
  • For the first 48 months, pre-existing conditions will not be covered. Also, specific illnesses and treatments might require 24 months as a waiting period before the policy will be applicable.
  • A waiting period of 30 days applies to all claims.

HDFC ERGO’s Health Critical Illness Insurance

Key Features

  • Provides a lump sum benefit that can be used for- Hospitalization costs, care & treatment, recuperation aids, to pay off debts, compensate for lost income due to decreasing earning ability, and fund a complete change of lifestyle.
  • Save tax under Section 80(D) of the Income Tax Act.
  • 8 Critical Illnesses covered under the plan-
    • Heart Attack (Myocardial Infarction)
    • Coronary Artery Bypass Surgery
    • Stroke
    • Cancer
    • Kidney Failure
    • Major Organ Transplantation
    • Multiple Sclerosis
    • Paralysis

Exclusions- Incidents Not Covered by the Policy

  • 90 days waiting period applies to all claims.
  • Claims raised for illnesses or injuries that were caused due to the use of drugs or alcohol.
  • Attempted suicide, death or wounds due to self-inflicted injuries, criminal or unlawful acts.
  • Acquired Immune Deficiency Syndrome (AIDS) and related diseases.
  • War, invasion, acts propagated by foreign enemies, activities consistent with war.
  • Treatments arising from pregnancy (including voluntary termination), miscarriage, maternity or birth (including caesarean section).
  • Participation in such activities as racing, diving, aviation, scuba diving, parachuting, hang gliding, mountain climbing or activities pertaining to naval, military or air force operations.

HDFC ERGO’s Health Critical Illness Platinum

Key Features

  • Provides a lump sum benefit that can be used for- Hospitalization costs, care & treatment, recuperation aids, to pay off debts, compensate for lost income due to decreasing earning ability, and fund a complete change of lifestyle.
  • Save tax under Section 80(D) of the Income Tax Act.
  • 15 Critical Illnesses covered under the plan-
    • Heart Attack (Myocardial Infraction)
    • Coronary artery Bypass Surgery
    • Stroke
    • Cancer
    • Kidney failure
    • Major organ transplantation
    • Multiple Sclerosis
    • Paralysis
    • Aorta Graft Surgery
    • Primary Pulmonary Arterial Hypertension
    • Heart Valve Replacement
    • Benign Brain Tumour
    • Parkinson's disease
    • Alzheimer's disease
    • End Stage Liver disease

Exclusions- Incidents Not Covered by the Policy

  • 90 days waiting period applies to all claims.
  • Claims raised for illnesses or injuries that were caused due to the use of drugs or alcohol.
  • Attempted suicide, death or wounds due to self-inflicted injuries, criminal or unlawful acts.
  • Acquired Immune Deficiency Syndrome (AIDS) and related diseases.
  • War, invasion, acts propagated by foreign enemies, activities consistent with war.
  • Treatments arising from pregnancy (including voluntary termination), miscarriage, maternity or birth (including caesarean section).
  • Participation in such activities as racing, diving, aviation, scuba diving, parachuting, hang gliding, mountain climbing or activities pertaining to naval, military or air force operations.

In Summation- HDFC ERGO Health Insurance brings the best of many worlds to its patrons in India- simplicity, scalability, reliability and a robust customer support ecosystem. Why look elsewhere when all this is available at just the click of a button? Check out HDFC ERGO Health Insurance today!

HDFC Ergo Health Insurance FAQs

  1. Why choose health insurance plans (Health Suraksha) from HDFC Ergo?
  2. ‘Health Suraksha’ plan provides extensive health coverage at competitive prices. This plan is not only limited to hospitalization expenses but also includes pre and post hospitalization care, domiciliary treatment, ‘Ayush’ benefits, day care procedures, emergency ambulance facilities, and organ donor charges, among other benefits.


  3. What are the types of health insurance plans available from HDFC Ergo?
  4. There are 4 different plans under Health Suraksha basic policy – 1 Adult; 2 Adults; 2 Adults and 1 Child; 2 Adults and 2 Children. The coverage ranges from ? 3 lakhs- 4 lakhs. Individuals within ages 3 months – 65 years can avail these plans. Other HDFC Ergo health insurance policies include Health Suraksha Gold, Health Suraksha Regain, Health Suraksha Gold Regain, Critical Illness, and Critical Illness Platinum.


  5. What tax benefits will I get?
  6. Tax exemptions are available for all HDFC Ergo health insurance policyholders. Exemption benefits on payment of premium regularly throughout the policy tenure, may be availed up to a maximum of ? 15,000 of the overall premium paid according to Section 80D. Senior citizens receive more benefits at ? 20,000.


  7. What do you mean by Pre and Post-Hospitalization charges?
  8. Pre hospitalization expenses are the health care expenses incurred during a specified period of time (60 days for this company) before the actual hospitalization of a policyholder. Similarly, post-hospitalization expenses are the expenses incurred during a specified number of days (90 days) after actual hospitalization is over.


  9. What do you mean by day care procedures?
  10. Due to immense advancements in healthcare technologies, some surgeries/medical procedures can be completed within a day, eliminating the need for hospitalization.


  11. What do you mean by Domiciliary Hospitalization expenses?
  12. These are the expenses incurred for medical treatments that a patient undergoes at home at the advice of a medical practitioner due to inability to move to a hospital.


  13. What are Ayush benefits?
  14. Ayush refers to Ayurveda, Unani, Sidha, and Homeopathy, and policy holders can demand reimbursement for the treatments named above, when they are explicitly covered by the plan.


  15. What are organ donor expenses?
  16. These are the expenses of donating an organ to an insured individual for organ transplant procedures.


  17. I read about Cumulative Bonus. What is it?
  18. Cumulative Bonus refers to the bonus awarded from the insurer after completion of a claim-free year, subject to a maximum cap. HDFC Ergo health insurance plans provide 5% cumulative bonus up to a maximum of 20%.


  19. What are pre-existing diseases?
  20. Pre-existing diseases refer to any condition, injury, or ailment suffered by the insured during the 48 months before buying the policy from HDFC Ergo health insurance.


  21. What are injuries?
  22. Injuries are physical, accidental, external bodily harm that occur suddenly, and have no relation to ailments suffered in the past.


  23. Why should I get a Health Card from HDFC Ergo health insurance?
  24. Health cards contain contact details of your insurer’s TPA. You can call on the numbers provided in case of emergencies, or for any kind of assistance from the insurance provider. This card is also required when getting hospitalized, so that the relevant hospital authorities may identify you and your association with the insurance firm, and initiate further processing.


  25. Who or what is a TPA?
  26. TPA stands for Third Party Administrators. In case of HDFC Ergo Health Suraksha policy, FHPL (Family Health Plan) is the TPA for policies issued before 1st April 2012, and HCS for policies after that. HCS is HDFC’s in-house claims section.


  27. What are some of the network hospitals associated with HDFC Ergo health insurance?
  28. Following are some of the network hospitals associated with HDFC Ergo health insurance-

CITY NAME OF HOSPITAL
DELHI AASTHA HOSPITAL
MUMBAI AASHIRWAD HOSPITAL
KOLKATA ADITYA HOSPITAL
BANGALORE ABHAYA EYE HOSPITAL
CHENNAI A C HOSPITAL

HDFC ERGO Health Insurance Reviews

HDFC ERGO   Health Insurance Reviews
83 % of our customers would recommend this Insurance Company. (132 out of 159) Write Review
Customer Reviews
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  • Validated User
    (0)

    I took an insurance with Hdfc Ergo. It is accidental policy. I get the benefits if I claim any accidents. In such case I will get 15 Lac . This covers for two years and there is options to renew it as well. Other benefit is like if the bone is broken I will get Rs 50,000. The premium of Rs 500 is deducted every month from my Credit card.

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  • Validated User
    (0)

    I am having the health insurance with HDFC ergo.The benefits are I can take treatment in networking hospitals means I donâ??t need pay anything and if I gone with other hospitals means I need to pay first after that I can claim for that.I just left that because its the one year plan and I thought its not good for me.

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  • Validated User
    (0)

    I have taken health insurance with Hdfc Ergo before 6 to 7 months. The tenure period is for two years. It covers in case of health issues or deceases etc. I used to pay the premium of Rs1500 every month through online. So I am satisfied with this insurance.

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  • Validated User
    (0)

    I have taken an insurance in HDFC Ergo, it is accidental policy. It not that benefited it is mainly used only for accident purpose. I used to pay the premium of Rs6100 every month. I have to pay for 10 months and it is benefited for two years. Customer service has to improve. If anything is done must confirm with the customers.

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  • Validated User
    (0)

    All kinds of critical illness are being covered in this health insurance. I would say the health insurance is much good than going for life insurance because health insurance covers our life in case of emergency. Health insurance with HDFC Ergo is fulfilling my needs but premium is somewhat high.

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  • Validated User
    (0)

    HDFC Ergo is covering all prescription items under health insurance. I believe coverage amount is of 3.5lakhs and even no claim bonus is available, which gradually increases on year by year. Considering no claim bonus and other benefits on health insurance, preferred HDFC Ergo.

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  • Validated User
    (0)

    The health insurance from HDFC Ergo is good. The insurance covers all the health related issues and all the major kind of diseases, dental and as well as the natural death. This is a company provided insurance and the coverage is upto 1.5 lakhs.

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  • Validated User
    (0)

    I have taken insurance with HDFC ERGO. It is health insurance. It cover all my whole family. The policy covers for 7 years. The premium is paid every quarterly of Rs 2000 by using my credit card or branch. It cover some of the benefits like hospitalized, any accident etc. So I feel HDFC is good.

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  • Validated User
    (0)

    I have a good health Insurance with HDFC Ergo in which They provide the coverage for 15lakhs.I pay a premium of 6000 per annum and I mostly pay it through online with credit card.Its easy to access the portal and the executive is really good in informing about the plan benefits provided by HDFC.Their explanation was convincing and I don't have any bad thoughts about the Insurance.

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  • Validated User
    (0)

    I had taken the Health Insurance from HDFC Ergo. It covers almost all kinds of illnesses and also accidental coverage it has got. Except for few things it doesnâ??t covers which I am not very sure as have taken it recently. The customer service is very good as they had clarified all my doubts regrading the insurance.

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  • Validated User
    (0)

    It is a combined insurance of health and life which I have taken from HDFC Ergo. The plan is for 2 years and it covers upto 15 lakhs for spot death and also when I get admitted in hospital for any kind of issues I will be given upto 5 lakhs coverage. The health insurance covers all kinds of treatment and also all major kinds of diseases. As I spend 21 days in traveling for my work purpose, this policy is very beneficial to me.

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  • Validated User
    (0)

    Policy is good in HDFC Ergo but premium range is somewhat high. HDFC Ergo covers diseases that's been identified after opening the health insurance. Not very sure that they are covering anything special than other providers. Entirely I am happy having this health insurance.

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  • Validated User
    (0)

    Agent of HDFC Ergo mentioned that they would cover all kinds of health illness and they covers bed charges as well. Customers should be admitted in hospital atleast for 24hours inorder claim the health insurance. It is of 2 year plan where I paid 13k plus. Here in HDFC Ergo they covers 2-4lakhs. In addition to that I was informed, OPD will be covered.

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  • Validated User
    (0)

    The health insurance from HDFC Ergo is very good. The insurance covers minimum 5 to 8 lakhs and also it covers 120 diseases which are given in their list. The coverage depends on the rider that is, based on the premium the benefits of the insurance gets increased. And also it gets gradually increases year by year.

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  • Validated User
    (0)

    This health insurance is for me and my dependent of mother. I havenâ??t opened the insurance on my own risk as it opened by my organization. HDFC Ergo is doing good but till now I never get a chance to use their services. Agent of HDFC Ergo come our office on weekly basis so for my doubts I would approach him.

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  • Validated User
    (0)

    The health insurance from HDFC Ergo is good. The insurance covers almost all kinds of health related issues and also all the hospitalization conditions and medical billings. It covers even in case of major surgery. The policy coverage is around 15 lakhs, but they donâ??t cover the all the small kinds of treatments.

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  • Validated User
    (0)

    I have an insurance from HDFC Ergo from the past 6 years. 10 Lakhs is covered for the accidental and it also covers the disabilities.Medical policy coverage is for 2 lakhs. I used to pay the premium the yearly of rs.3300 through net banking.

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  • Validated User
    (0)

    I am having my HDFC mediclaim and accidental coverage with HDFC ergo .I am paying around 3500/year as the premium .It usually goes through direct debit from my credit card.I can get benefits like accidental coverage, treatments in hospitals.There is no surgery claims under this insurance that is the negative part.

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  • Validated User
    (0)

    Eight years ago I took this health insurance and so far no claim experience. I am continuing with HDFC Ergo for eight years because of their timely response and all health related issues are being covered. Even dental and cataract is covered. Other than that HDFC is providing funds even customer discharges from hospital.

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    , chennai
    Recommend Recommended by user
    Validated User
    (0)

    The health insurance from HDFC Ergo is very good. The insurance covers all the medical issues and hospitalized conditions and also medical billings. They do have some specifications like they donâ??t cover diabetes disease. It covers my entire family and the insurance can be claimed only if in the case of hospitalization for 24 hours.

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