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HDFC ERGO Health Insurance

HDFC ERGO Health Insurance
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Cashless Treatment

Customer Service

Medical Coverage

Claim Experience

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.

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!


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HDFC ERGO Health Insurance Reviews

HDFC ERGO   Health Insurance Reviews
87 % of our customers would recommend this Insurance Company. (58 out of 67) Write Review
Customer Reviews
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  • Validated User
    (0)

    Health insurance with HDFC Ergo was done basis my credit card and everything is good. Till now I never claimed and not used any facilities. Per annum I am paying around 4800 and they directly deducting it from my credit card. I never inquired the benefits and offers so cannot share it now as I have to refer papers.

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  • Validated User
    (0)

    I am holding HDFC ergo its a one year plan. . This policy was taken before 8 months. I got a call from HDFC credit card and they explained to me about this policy, if anything happens to my family this policy would be great help so I have taken this and I am paying about rs 372 every month on my credit card.

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  • Validated User
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    HDFC Ergo is good. Even if I loss my job the amount would be paid by HDFC Ergo. I had paid a one time fee of rs 1500. It provides a cover exactly for the loan amount. I have taken a personal loan along with the loan this was offered, it was an optional one I found it interesting and so I have opted for it. This loan is 7 months old.

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  • Validated User
    (0)

    Opted cashless benefit on health insurance where we no need to submit any papers as the hospital will get the amount from insurance company but in claim option, we have to claim post completion of all treatment. HDFC Ergo is tie up with multiple hospitals so no problem will occur during cashless. HDFC has provided a ID card so I can use it anywhere in hospital during cashless process.

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  • Validated User
    (0)

    HDFC ERGO is good. Previously I had taken an insurance with Bajaj Finserve before 2 years and I am continuing with HDFC ergo. Benefits are like the policy coverage for 2 lakhs and I get rs 1000 cash less treatment hospitalisation. I pay about rs 6000 per annum which for me and my wife. If only I am hospitalised I will get further benefits.

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  • (0)

    I was too much confused that which health policy to buy and from which company, That time my friend suggest me the HDFC ERGO and I purchased health Suraksha plan from them but I was not sure as they will provide good service or not. Last Month, I was admitted to the hospital and they provided the all expenses with the very fast claim process. Now I am pleased with their service, according to me HDFC ERGO is the best general insurance company.

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  • Validated User
    (0)

    Not much happy with HDFC Ergo as the process of claim is lengthy procedure. To say in concise the stuffs are not much feasible. I just have open health insurance for income tax saving. No good response and there is no much facility. They are not covering critical illness as they are covering general health stuffs.

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  • Validated User
    (0)

    HDFC ERGO was good it provides death and hospitalisation coverage. Actually this was taken on my credit card and I pay about rs 650 to 700 a month. The coverage is 3.5 lakhs hospitalization and death coverage is 10 lakhs. I have not fully utilized, it was taken that before one year only.

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  • Validated User
    (0)

    I did not use this health insurance much and till date no claim experience. I have received call from HDFC and followed that I applied for health insurance. HDFC Ergo is not including pregnancy and diseases that caused by smoking. Moreover pre existing diseases are not included. For first month I cannot use this plan. I was informed about free check up coupon but still I never get it. Dental is not covered.

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    Validated User
    (0)

    I am holding a HDFC ERGO it provides a coverage of 5 lakhs. Its been a long time since I have taken this policy. The benefits are like cash less treatment. I can even get reimbursement on a remote area as well. It provides cash less treatment pre and post. Where as other insurance provider only provides limited list of hospitals.

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  • (0)

    I have claimed 2 times for health insurance that i bought HDFC ERGO in 2012. Every time I got my claim without any hassle. I was pleased with their 24*7 customer support and cashless policy. In my view HDFC ERGO is the best company among other companies. You can rely on them.

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  • Validated User
    (0)

    HDFC Ergo is good . The service offered by them is good. This insurance was taken along with my housing loan. Service provided by them was really good and satisfactory. I pay about rs 2000 this is for a period of 5 years . After 5 years we have to renew the premium based on the housing loan. The premium amount offered by them was very merger when compared with the housing loan amount.

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  • (0)

    I would rate HDFC ERGO as 4. Only reason why haven't rated is 5 is that I haven't claimed it yet and don't wanna claim forever. HDFC Ergo have vast coverage of Cashless treatment with family cover options with very low premium and covering almost every month. Another factor is I don't have to pay premium in one go. I can pay 512 Rupees in EMI.

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  • Validated User
    (0)

    I would rate HDFC ergo as 4. It provides a coverage for me and my wife for accidental and physical disability . I am supposed to pay rs 512 a month. I am not sure about the benefits and I am very much comfortable to make my payment as I pay by direct debit.

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  • Validated User
    (0)

    Third year is running and two years ago I got health insurance, yearly I am paying around 12thousand. I have taken insurance against the credit card and the premium is getting through the credit card where monthly they are deducting around 560. HDFC Ergo is covering critical illness and if we want to claim insurance, the individual should be admitted in hospital for more than 24 hours. Apart from this offers are same like other insurance companies. This covers only for me and for my spouse and the coverage is about 3lakhs.

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  • Validated User
    (0)

    Initially I started health insurance with HDFC Ergo where got opened it through my company, now they changed to some other company but I am maintaining with HDFC as they are good. Can blindly recommend HDFC bank because most of the hospitals trust HDFC and it is one of the well known company. I heard that HDFC is best in market but they are not covering dental and diabetics so suggesting them to include such diseases on their list.

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  • Validated User
    (0)

    Every one year I am renewing the health insurance policy and HDFC Ergo has provided booklets where the lists of hospitals are mentioned. I just need to show the card to hospitals and rest of the things will be taken care by HDFC. They have certain criterion where we can claim after three days if we hospitalized and they are providing 1000 per day. The coverage is very less I would say. For major operations the coverage is 2lakhs.

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  • Validated User
    (0)

    I am holding a HDFC ERGO they are adding about 10% of the sum assured on the coverage amount after end of the year . Incase if a customer does not utilise the hospitalizaiton benefit. It provides a coverage for 2 to 3 lakhs. I can renew it on a yearly basis. The total term is 10 year. The only thing was the agent was not avalible when ever I try to contact him.

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  • Validated User
    (0)

    HDFC Ergo guys are very friendly and they do revert immediately on any complaints. The issues are getting sorted as earlier so really good experience and glad to have health insurance with HDFC. I did not go through with the agreement copy but they are covering some major surgeries and they wonâ??t cover for small diseases. 5lakhs is the medical coverage.

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  • Validated User
    (0)

    Customer service response is not that good with HDFC Ergo . As I often travel I thought of taking this insurance. Its a 2 year plan . The amount is deducted from my credit card on a Monthly basis. After 2 years I will decide whether to continue with this plan or not.

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