HDFC ERGO Health Insurance

HDFC ERGO Health Insurance

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

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

Not a paisa goes from your own pocket!


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

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

Your Premium for Health Insurance is determined by

The ideal age to buy insurance is when you’re in the prime of youth!

Your current age

Lower premium for younger buyers

The who's who matters here!

Members included

The premium depends on the number
of insured members

A room with a view will certainly cost you more!

Room preference

Your room preference during hospitalization matters (such as shared room, private room or private room with high-end facilities) Remember costlier room means higher treatment charges too!

Existing illnesses could affect your premium

Pre-existing medical condition

Your premium will depend on any pre-existing medical conditions

Key factors for buying a Health Insurance

As the saying goes: Patience is virtue!
Waiting Period

When you buy a health insurance plan, your policy isn’t implemented with immediate effect. There is a wait time of 30-90 days during which the insurance company is not liable to pay any claims while you sit around twiddling your thumbs.

Lifelong Coverage
Lifelong Coverage

The duration of coverage is the most important factor in buying a health insurance policy. Your health is most likely going to deteriorate only in your sunset years so ensure that your coverage is lifelong and not for a few years.


A fixed percentage of the hospital bill that will be paid by you while the balance will be paid by the insurance company. Ideally, opt for a “no co-pay” plan so you don’t have to shell out for every claim.

Exclusions/Diseases Covered
Exclusions/Diseases Covered

Go over the ailment/diseases covered list with a fine-tooth comb. Insurance companies can reject your cashless claims if the disease for which hospitalization is required isn’t covered by the policy. Pleading temporary insanity won’t help!

Smart buying tips for your Health Insurance

Life is all about important choices!
Assess Your needs

You can’t choose your relatives. Luckily, you can decide which family members to include in your health insurance policy. The second important thing is your room preference during hospitalization such as shared room, private room or private room with high-end facilities.

Extra-Coverage for Critical Illness
Extra-Coverage for Critical Illness

A smart health insurance policy is one that covers you for bolts out of the blue – medical expenses for critical illnesses like cancer, stroke etc.

Know Your Budget
Know Your Budget

Consider your budget in order to avoid a huge premium. Don’t pick all the options available under the insurance policy. This will eventually increase your premium amount. So tighten your purse strings sensibly.

Read the Fine-Print
Read the Fine-Print

The devil is in the details. Always read the “Terms & Conditions” of the policy i.e. features that are not covered under the policy. Make it a point to ask for sample policy wordings. With the in-depth knowledge about certain definitions, terms & conditions, exclusions and offered benefits, you’ll always be the smarty-pants who’s one step ahead.


HDFC ERGO provides a comprehensive health insurance plan fitting well in everyone’s budget. The Health Suraksha plan from HDFC ERGO provides cover for in-patient treatment costs, pre-hospitalization and post-hospitalization expenses, and such other major expenses. With Health Suraksha Plan, be rest assured of no sub-limits on the hospital room rents, hospital charges, diseases and doctor fees.

HDFC ERGO Health Insurance Reviews

HDFC ERGO   Health Insurance Reviews
86 % of our customers would recommend this Insurance Company. (18 out of 21) Write Review
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