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HDFC ERGO Health Insurance

HDFC Ergo Health Insurance might just be the insurance provider you are looking for. They offer customers various plans, acess to several hospital networks, cashless treatment, riders, exclusive features and benefits and much more.
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Health Insurance
  • Claim up to Rs. 55,000 deduction under section 80D*
  • 10,000+ hospitals for cashless treatment
  • Insurers offer plans with no limit on room rent

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.

As one of the top health insurance providers in the country, HDFC ERGO Health Insurance is focused on providing a seamless and hassle-free experience to its customers. With 108 branches across 91 cities and 2,000 employees, the insurance company is currently expanding its network across India. The insurer also has a large distribution network with channels like brokers, corporate agents, retail, direct sales, and bancassurance.

Some highlights of HDFC ERGO General Insurance includes winning the Best General Insurance Company Award in 2014 and 2013, organised by The Excellence in Global Economy. The company has been assigned 'iAAA' rating by ICRA to indicate its highest claim paying ability.


 

HDFC ERGO General Insurance Highlights Updated on 22 Oct 2019

Features Specifications
Network Hospitals 8600+
Waiting Period for Pre-existing Disease 4 years
Incurred Claims Ratio 74.36
Number of Policies Issued 654375
Grievances Solved 100.00%
Renewability Lifetime

*For Year 2017-2018

Overview of HDFC ERGO General Insurance:

HDFC ERGO General Insurance Company Ltd. was established following a partnership between India’s leading housing finance provider, HDFC Ltd., and ERGO International AG, the insurance arm of the Munich Re Group. HDFC ERGO has carved a name for itself in the Indian insurance space and offers a wide range of policies under multiple general insurance categories such as health insurance, motor vehicle insurance, home insurance, travel insurance, personal accident insurance, etc. the insurer also offers corporate insurance solutions such as liability insurance plans, marine insurance plans, and property insurance.

Under the health insurance segment, HDFC ERGO currently offers a range of well-appointed plans, not just for individuals, but also for families. These health insurance plans are among the most popular in the country owing to the valuable benefits which they offer such as comprehensive coverage, affordable premiums, widespread network of 6000+ hospitals, and flexible premium payment options, enhanced No Claim Bonus, facility of availing cashless hospitalisation, cover for pre and post-hospitalisation expenses, several day-care procedures, domiciliary treatment and other covered treatment other expenses.

Benefits of Buying Health Insurance from HDFC ERGO Health Insurance:

  • To cater to the needs of their diverse customer base, HDFC ERGO offers a wide range of health insurance policies which include individual plans, group health insurance plans, critical illness plans, and even cover top-up plans. Here are some of the notable benefits which you get on purchasing an HDFC ERGO health insurance plan.
  • Policyholders can choose to get treated at any of the 6000+ network cashless hospitals located across the country.
  • Health insurance plans offered by HDFC ERGO also offer the benefit of an enhanced No-Claim Bonus.
  • Policyholders can choose from a range of premium payment options, as per their convenience.
  • These health insurance plans provide hospitalisation cover not only for illnesses or accidents, but also for other related treatments like pre and post-hospitalisation expenses, domiciliary treatment, and a number of day care procedures, among other expenses.
  • Policyholders are eligible to avail attractive tax benefits for premiums paid towards a health insurance policy under the provisions of Section 80D of the Income Tax Act, 1961.

HDFC ERGO Online Facilities:

With the advent of technology, insurance companies find it easier to source and service customers. HDFC ERGO Health Insurance portal has various online facilities to make purchasing and renewing policies quick and easy.

    • Premium calculator: Get instant quotes on your chosen policy using the online premium calculator. Enter your age, location, sum insured, and policy name to get the premium details.
    • Online payment: Insurance premium payment can be made online through the insurer's website using net banking, credit card or debit card.
    • Instant renewal: Log in to the insurer's website for instant renewal of your existing policy. Enter your policy number and get your renewal notice with the premium details. Renewal premium can be made using net banking, credit card or debit card.
    • Buy now: Purchase your chosen health insurance policy online through the insurer's website. Check out the features and benefits of each policy offered by HDFC ERGO Health Insurance. The policy brochure is available on the website.
    • Claim form: You can download claim forms from the website and submit the duly-filled form at the nearest branch office.
    • Call now: You can request a call back by filling an online request form with your name, email ID, mobile number, description, and location. A customer support executive or an insurance agent will call you back at a time convenient to you.
    • Network hospital: Locate the nearest network hospital in your area through the HDFC ERGO Health Insurance website.
HDFC Ergo Health Insurance Plans
  • Branch office locator: Locate the nearest branch office in your area through the HDFC ERGO Health Insurance website.
  • Customer Delight: HDFC ERGO customers can partake of exclusive benefits offered by independent service providers across various services like spa, health and beauty clinics, pharmacy, etc. Show your HDFC ERGO Insurance Policy copy or Health Card at the respective centers and avail special offers.
  • My Policy: This online feature allows you to access your policy copy, and register and track claims.

Types of Health Insurance Policies Provided by HDFC:

Listed here are the health insurance policies offered by HDFC ERGO.

  1. Medisure Classic
  2. Health Suraksha Silver
  3. Health Suraksha Silver with Regain & ECB
  4. Health Suraksha Gold
  5. Health Suraksha Gold with Regain & ECB
  6. HDFC ERGO Critical Illness Silver
  7. HDFC ERGO Critical Illness Platinum

The main features to be considered in each of these policies are highlighted below:

Medisure Classic:

Basic sum insured per policy year Individual Policies: Rs.1 lakh to Rs.5 lakh Floater Policies: Rs.2 lakh to Rs.5 lakh
Cashless hospitalization In authorized hospitals in the 6000+ network across India
Basis Individual and family floater
Policy term 1 or 2 years
Cumulative bonus Cumulative bonus of 5% for each year that is claim-free subject to a maximum cumulative bonus of 50%
Tax benefit Under Section 80D of the Income Tax Act, 1961
Medical test Mandatory above 51 years of age
Benefits Coverage for:
  • Domiciliary hospitalisation
  • Day-care procedures
  • Hospitalisation due to accidents
  • Pre-existing diseases (after the waiting period)
  • Maternity and newborn baby benefits
  • In-patient hospitalisation expenses
  • Pre- and post-hospitalisation expenses
  • Ayurvedic treatments
Entry age For adults, 18 years of age For children, 3 months (only if either of the parents is covered under the plan)
Co-payment For individuals above the age of 80, 10% co-pay

Health Suraksha Silver:

Basic sum insured per policy year Rs.3 lakh to Rs.7.5 lakh
Cashless hospitalization In authorized hospitals in the 6000+ network across India
Basis Individual and family floater
Policy term 1 or 2 years
Cumulative bonus Cumulative bonus of 5% for each year that is claim-free subject to a maximum cumulative bonus of 50%
Tax benefit Under Section 80D of the Income Tax Act, 1961
Medical test Mandatory after the age of 45
Benefits Coverage for:
  • Day care procedures
  • Ambulance expenses
  • Domiciliary expense
  • In-patient treatment
  • Pre- and post-hospitalisation expenses
  • Organ donor’s treatment expenses
  • AYUSH treatments
Entry age No maximum age limit

Health Suraksha Silver with Regain & ECB:

Basic sum insured per policy year Rs.3 lakh to Rs.10 lakh
Cashless hospitalization In authorized hospitals in the 6000+ network across India
Basis Individual and family floater
Policy term 1 or 2 years
Cumulative bonus 10% Enhanced Cumulative Bonus for each claim-free year up to a maximum of 100% of the sum insured
Tax benefit Under Section 80D of the Income Tax Act, 1961
Medical test Mandatory after the age of 45
Benefits Coverage for:
  • Day care procedures
  • Emergency ambulance services
  • Domiciliary expenses
  • In-patient treatment
  • Pre- and post-hospitalisation expenses
  • Organ donor’s treatment expenses
  • AYUSH treatments
Entry age No entry age limit

Health Suraksha Gold with Maternity Coverage:

Basic sum insured per policy year Rs.3 lakh to Rs.10 lakh
Cashless hospitalization In authorized hospitals in the 6000+ network across India
Basis Individual and family floater
Policy term 1 or 2 years
Cumulative bonus 5% of the sum insured at the end of each claim-free year subject to a maximum cumulative bonus of 50%
Tax benefit Under Section 80D of the Income Tax Act, 1961
Benefits Coverage for:
  • Maternity cover
  • Newborn cover
  • Convalescence benefit for hospitalizations that exceed 10 continuous and consecutive days
  • Day care procedures
  • Emergency ambulance services
  • Domiciliary expenses
  • In-patient treatment
  • Pre- and post-hospitalisation expenses
  • Organ donor’s treatment expenses
  • AYUSH treatments
  • E-opinion for diagnosis of critical illnesses
Entry age No limit

Health Suraksha Gold with Regain & ECB:

Basic sum insured per policy year Rs.3 lakh to Rs.10 lakh
Cashless hospitalization In authorized hospitals in the 6000+ network across India
Basis Individual and family floater
Policy term 1 or 2 years
Cumulative bonus An Enhanced Cumulative Bonus of 10% for each claim-free year subject to a maximum of 100%
Tax benefit Under Section 80D of the Income Tax Act, 1961
Medical test Mandatory after the age of 45
Benefits Coverage for:
  • Maternity cover
  • Newborn cover
  • Day care procedures
  • Emergency ambulance services
  • Domiciliary expenses
  • In-patient treatment
  • Pre- and post-hospitalisation expenses
  • Organ donor’s treatment expenses
  • AYUSH treatments
  • E-opinion for diagnosis of critical illnesses
Entry age No entry age limit

HDFC Critical Illness Silver:

Basic sum insured per policy year Rs.5 lakh to Rs.10 lakh
Cashless hospitalization In authorized hospitals in the 6000+ network across India
Basis Individual
Policy term 1 or 2 years
Tax benefit Applicable
Medical test Mandatory after the age of 45
Benefits Coverage for 8 specific illnesses
Entry age 5 to 65 years

HDFC Critical Illness Platinum:

Basic sum insured per policy year Rs.2.5 lakh to Rs.10 lakh
Cashless hospitalization In authorized hospitals in the 6000+ network across India
Basis Individual
Policy term 1 or 2 years
Tax benefit Applicable
Medical test Mandatory after the age of 45
Benefits Coverage for 15 specific illnesses
Entry age 5 to 65 years

HDFC ERGO Health Insurance Customer Care:

HDFC ERGO is another of India’s leading general insurance company which was established following a joint venture between HDFC and ERGO International AG. The company provides a number of general insurance products which include motor insurance, health insurance, travel insurance, etc., which they offer via their network of 108 branches. In addition to providing some of the best health insurance plans, HDFC ERGO is also known to provide excellent customer support service to their clients via multiple channels.

To enable customers to get in touch with the support staff and resolve their policy-related queries, grievances, and issues, HDFC ERGO has set up a dedicated phone-based helpline and a fax line as well. Customers can also write in to the support team via email for authorisation-related issues, network hospital related issues, and queries related to claims. They can also write in to the insurer’s corporate office address via mail to receive a response to their queries.

HDFC ERGO Cashless Network Hospitals:

HDFC ERGO offers cashless facility at over 6,000 network hospitals across the country. Insured members can get admitted in a network hospital of the insurer to avail cashless treatment. The insurance company will settle the hospitalisation expenses incurred by the insured member directly with the network hospital. To locate a network hospital nearest you, select your state and city from the drop-down box on the online Network Hospital Locator tool. You will get a list of network hospitals in your area with contact details.

Find cashless network hospitals nearby: HDFC ERGO Cashless Network Hospitals

How to File a Claim with HDFC ERGO?

HDFC ERGO is one of the top health insurance providers with a dedicated in-house claim service team to provide smooth claim servicing to the customers.

  • Cashless Claim: In the case of a planned hospitalisation at a network hospital, visit the hospital with your cashless card or policy card. This can be downloaded from the TPA website or requested at the hospital’s insurance desk. This has to be filled up by the medical practitioner and the patient. After completing and submitting the form, it will be sent to the TPA. The TPA will issue a letter of authorization if approved.
    For unplanned hospitalisation, the steps are the same as above but should be completed within 24 hours of hospitalisation.
  • Reimbursement Claim: In the case of hospitalisation at a non-network hospital, the insured member will have to pay the medical bills upfront out of his or her pocket and make a reimbursement claim within 7 days of discharge. For reimbursement claims, submit the claim form along with the necessary medical documents after discharge from the hospital. The approval will be confirmed within 30 days of receipt of the documents.

Incurred Claims Ratio of HDFC Ergo Health Insurance for the Year 2017-18

Net Earned Premium (in Crore) Net Claims Paid (in Crore) Incurred Claims Ratio (in %)
Rs.805.11 crore Rs.423.30 crore 52.58%

HDFC Ergo Health Insurance FAQs:

  1. Why choose health insurance plans (Health Suraksha) from HDFC Ergo?

    ‘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.

  2. What are the types of health insurance plans available from HDFC Ergo?

    HDFC ERGO offers a variety of health insurance plans designed for individuals, families, and senior citizens. They also offer top-up insurance plans and critical illness insurance plans. There are 3 categories of plans which include Health Suraksha, my:health Medisure, and Critical Illness.

  3. What tax benefits will I get?

    Policyholders are entitled to attractive tax benefits for premiums that they pay towards a health insurance policy under suitable sections of the Income Tax Act, 1961.

  4. What do you mean by Pre and Post-Hospitalization charges?

    Pre hospitalization expenses are the health care expenses incurred prior to the hospitalisation, while post-hospitalisation expenses are those which are incurred after the insured is discharged from the hospital. The duration for which pre and post-hospitalisation expenses are covered may differ from plan to plan.

  5. What do you mean by day care procedures?

    Day care procedures are those procedures which do not require the insured to be hospitalised. These procedures can be concluded within 24 hours, hence eliminating the need for the patient to be admitted to the hospital.

  6. What do you mean by Domiciliary Hospitalization expenses?

    If the insured has to undergo medical treatment at home following the advice of a certified medical practitioner due to medical reasons or insufficiency of beds at the hospital, this is known as domiciliary hospitalisation. Expenses incurred in relation to such treatment are known as domiciliary hospitalisation expenses.

  7. What are Ayush benefits?

    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.

  8. What are organ donor expenses?

    Organ donor expenses are the expenses incurred by a patient towards the process of an organ transplant.

  9. I read about Cumulative Bonus. What is it?

    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%.

  10. What are pre-existing diseases?

    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.

  11. What are injuries?

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

  12. Why should I get a Health Card from HDFC Ergo health insurance?

    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.

  13. Who or what is a TPA?

    TPA stands for Third Party Administrators. They mediate between the insurer and the insured and settle bills with the hospital.

  14. Why do I need health insurance?

    With the steady increase in the cost of healthcare and the rise in the number of lifestyle diseases, pay medical bills out of your pocket can be difficult. This is why, a health insurance policy will prove handy in your hour of need. A health insurance policy will ensure you and your family get timely and adequate healthcare for planned and emergency hospitalisation and various medical treatments during the policy term.

  15. What are the benefits of having a health insurance policy?

    • Reimbursement of medical expenses including pre and post-hospitalisation costs during the policy term.
    • Cashless hospitalisation in a network hospital of the insurer.
    • Tax benefits on premiums paid towards health insurance under Section 80D of the Income Tax Act, 1961.
    • Add-on covers such as critical illness cover, maternity benefits, hospital cash, personal accident cover, etc.
    • Domiciliary hospitalisation and day-care procedures are covered under the policy.
  16. Is it possible to apply for the policy online?

    Yes, health insurance policies can be purchased online through the HDFC ERGO website using net banking, debit card or credit card to pay the insurance premium.

  17. What kinds of policies are available for a health insurance plan?

    Depending on your insurance requirements, you can choose from the following 3 health insurance policies offered by HDFC ERGO:

    • Health Suraksha Plan provides cover for in-patient treatment, pre and post-hospitalisation, etc.
    • Health Suraksha Gold Plan, an affordable plan offering cover for in-patient treatment, pre and post-hospitalisation (without sub-limit), maternity benefits, E-opinion for critical illnesses, convalescence benefits, etc.
    • Health Suraksha Regain Plan offers additional benefits of auto-recharge of sum insured.
  18. How do I know which policy is best for me?

    Depending on your age, medical history, and insurance needs, you can choose any of the health insurance policies offered by HDFC ERGO. Visit the insurer’s website to check out the features and benefits of each plan. You can compare the policies on a comparison website like BankBazaar.com.

  19. How can I find how much premium I will have to pay?

    Get an instant quote on your chosen policy using the online premium calculator available on the HDFC ERGO Health Insurance portal. Health insurance premium is dependent on the insured member’s age, location, medical history, sum insured, and policy term.

  20. Is there any limitation on age at entry for health insurances?

    The entry age for children is 91 days. There is no maximum entry age for adults.

  21. What is the procedure for claim settlements?

    In the case of reimbursement claims, the claim has to be registered within 7 days of discharge. The duly-filled claim form along with the supporting documents have to be submitted within 15 days of occurrence of the incident. Upon receipt of the claim documents, the claim amount will be transferred within 30 days.

  22. How can I find hospitals where I can avail the cashless facility?

    HDFC ERGO offers cashless hospitalisation in over 6,000 network hospitals across the country. Visit the insurer's website to locate a network hospital near you.

  23. How to log in to HDFC ERGO Health Insurance website?

    Registered customers can use their username and password to log in to the insurer’s website.

  24. What is the customer care number of HDFC ERGO Health Insurance?

    For any policy-related queries, call HDFC ERGO Health Insurance’ customer care number is 022/0120 - 6234 6234.

  25. What does HDFC ERGO Health Insurance cover?

    • In-patient treatments
    • Pre and post hospitalization charges
    • Day-care procedures
    • Domiciliary treatments
    • And many others depending on the plan
  26. What other policies are offered by HDFC ERGO Health Insurance?

    The other policies offered by HDFC ERGO Health Insurance are:

    • Critical Illness Platinum policy that offers cover for 15 critical illnesses. Get a lump sum amount upon first diagnosis of any of the 15 critical illnesses.
    • Critical Illness policy pays a lump sum amount on diagnosis of any of the specified critical illnesses covered under the policy.
    • My:health Medisure Super-top-up plan serves as an enhanced health cover as well as a standalone insurance offering a large health cover at a lower premium.
  27. How do I pay the insurance premium?

    Insurance premium can be made via online payment mode or cash payment mode. Cash payment can be made at the nearest HDFC ERGO branch office. Online payment can be made through the insurer’s website using net banking, debit card or credit card.

  28. How can I check policy status for HDFC ERGO Health Insurance?

    Visit the insurer’s website to check the policy status of your HDFC ERGO Health Insurance. Enter your policy number and date of birth to check the status.

  29. How do I start for HDFC ERGO health insurance policy renewal?

    Renew your existing policy before the expiry date. If you fail to do so, pay the renewal premium within the grace period. Renewal can be done instantly online through the insurer’s website. Registered members can log in to the website using valid credentials. Enter the policy number and get your renewal notice with the premium details. Pay the renewal premium amount using net banking, debit card or credit card. Save the receipt. Upon successful completion of payment, the policy will be renewed.

Examples of Network Hospitals in Major Cities

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

 

*Disclaimer - This is not an exhaustive list but an indicative representation of hospitals that form a part of the company's wider network.

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Cashless Treatment

Policy Coverage

Customer Service

Medical Coverage

Claim Experience

News About HDFC ERGO Health Insurance

  • HDFC has acquired Apollo Munich Health Insurance

    HDFC has purchased the entire 50.8% stake of Apollo Hospitals in Apollo Munich Health Insurance. The purchase was made for around Rs.1,336 crore. The company has also purchased the 0.4% percent that was held by some of the employees in the company for around Rs.10.84 crore. This move raises some questions for the people who already have an insurance policy with Apollo Munich Health Insurance. The existing policy will continue to remain with the same terms and conditions until the expiry of the policy. This could at the time the policy is being renewed after the completion of the policy year. There could be changes to the terms and conditions of the policy based on the based on the decision taken at the time of reviewing the products. Make sure that you check the contract at the time of policy renewal to ensure that no new exclusions have been added to the policy.

    10 July 2019

  • HDFC Approves Funding Worth Rs.11,104 crore, Looks To Buy Health Insurance Company

    The HDFC board has recently given the green signal for a preferential issue of shares worth Rs.11,104 crore to five investors - Premji Invest, GIC of Singapore, KKR, OMERS Administration (a Canadian pension fund), and Carmignac Group. Spokespersons at HDFC said that the mortgage company is planning to buy a health insurance provider along with HDFC ERGO General Insurance, it’s insurance subsidiary with the objective of acquiring real estate projects which have fallen into distress. Out of this issue, a majority i.e. Rs.8,500 crore worth of funds will be allocated towards maintaining its stake in HDFC Bank.

    19 January 2018

  • HDFC ERGO General Insurance plans to launch a global health cover of Rs.2 crore

    Anurag Rastogi, a member of the executive management of HDFC ERGO General Insurance said that the company is ready to launch a global health cover of Rs.2 crore which includes medical treatments in India and overseas. He said that the average age of the insurance company's customers is below 45 years which indicates that individuals have become more conscious about their health from a young age. According to him, high-ticket health insurance policies are in demand because a medical treatment involving surgery in a foreign country like the US or UK would cost minimum Rs.50 lakh to Rs.70 lakh based on the type of hospital, treatment, and duration of hospitalisation.

    10 October 2017

  • Group Critical Illness added to HDFC ERGO’s health insurance portfolio

    India’s third largest non-life insurance company, HDFC ERGO General Insurance Company, has added another attractive product to its health insurance arsenal which is called the Group Critical Illness Insurance. This insurance policy benefits an entire family as it provides cover to every member in a family under a single umbrella of protection. A Group Critical Illness Insurance plan is quite different from a regular insurance plan. The later requires a claim to be made for the amount spent due to hospitalization or medical fees while the former pays a large amount to the insured when diagnosed with any of the listed critical illnesses that have been mentioned in the policy. Compensation is made after the company has studied and verified your documents for the claim. The compensation provided per life can vary between Rs.5,000 and Rs.5 crores.

    18 May 2017

  • “Health Matters” launched by HDFC ERGO in association with NDTV

    “Health Matters” is a campaign that is aimed at increasing the number of health insurance policies being sold to ensure that everyone in India is covered by a health insurance plan. The campaign will not only build awareness about health insurance and the importance of health check-ups but will also aid in simplifying the nuances of different health insurance policies. There is a large portion of the general public who are unaware of the importance of health insurance. With an increasing number of health related problems creeping up in society due to lifestyle related illnesses, “Health Matters” will address these problems to push people to pick up a health insurance policy. News snippets along with facts and figures will be aired on NDTV 24X7, NDTV Prime/Profit, and NDTV India. Mukesh Kumar who is the Executive Director of HDFC ERGO General Insurance has said that “Health Matters” will build a sense of awareness about the importance of health insurance. To increase viewer base and interest, HDFC ERGO will also host contests and promos for “Health Matters” on different channels that belong to the NDTV network.

    21 March 2017

  • HDFC Ergo launches its new app - AbTakeItEasy

    On March 20, 2017, health insurance company HDFC Ergo launched its new app through its marketing campaign - #AbTakeItEasy. Through the marketing campaign, the health insurance company conveyed the message that the patient is its first priority and not the formalities. Through the app, customers can go through all health insurance details, locate the nearest cashless hospitals and so on. Realising the fact the health insurance formalities have been quite a hassle for people, HDFC Ergo has decided to stay at the top of the list by altering their approach towards claiming for health insurance - making it a whole load more convenient for the people.

    21 March 2017

  • HDFC ERGO Launches Community Portal for Providing Insurance Related Info

    For the benefit of its consumers and stakeholders who are seeking insurance related information, insurance leader HDFC ERGO General Insurance Company recently announced the launch of its online HDFC ERGO Community portal. Taking design inspiration from tech forums, this Community Portal has been conceived with the primary objective of providing users with genuine, usable and value-added info.

    The portal itself will act as a network for the insurer’s customers to not only research and discuss but also receive advice and share their particular experiences and knowledge about non-life insurance products with other registered community members. To become a part of the community, users must sign up and log in before they can begin to interact with other users within the community.

    21 September 2016

  • HDFC’s general insurance arm bought by ERGO

    Housing Development Finance Corporation Ltd (HDFC) and the ERGO Insurance Group, Germany (ERGO) have announced that according to the terms agreed upon, ERGO would increase its stake in HDFC ERGO General Insurance Company.

    Germany's ERGO International has decided to buy 22.9% additional stake in HDFC ERGO General Insurance for Rs 1,122 crore. With this deal, ERGO International will become the latest foreign insurer to increase holding in Indian venture following relaxation of FDI norms in the sector.

    Under the agreement, ERGO will buy 12,33,57,262 shares of HDFC ERGO at a price of Rs 90.97 per share aggregating to Rs 1,122 crore. As a result of this, the shareholding of ERGO shareholding in HDFC will increase from 25.84% to 48.74%, whereas HDFC’s shareholding will come down from 73.63% to 50.73%. Furthermore, the value of HDFC ERGO, that will remain a subsidiary of the Corporation, will be around at Rs 4,900 crore. Under the shareholders' agreement between HDFC and ERGO, ERGO can increase its shareholding from 26% in HDFC ERGO as and when the laws permitted such increase.

    21 December 2015

  • “#TakeItEasyonRoads” – HDFC ERGO’s new online campaign

    HDFC ERGO General Insurance Company, one of the major general life insurance providers in India recently launched a new brand campaign called “#TakeItEasyonRoads” to generate awareness on road safety. Given the increase in the number of road accidents, the company considers that creating awareness on road safety is of utmost importance in the present time. The campaign also targets to popularize Motor Insurance that can protect drivers against the cost incurred in dealing with road accidents. The campaign is particularly played in social media like Facebook and Twitter and designed for new divers and women. This is an online campaign and the major focus of the campaign is to promote safe driving.

    7 September 2015

  • HDFC Life Launches ‘Cancer Care’ Health Insurance

    HDFC Life has become the first health insurance company to launch a new product that is centred on cancer and its treatment. Claiming that cancer is now one of the major reasons for deaths in India, the MD and CEO of the company, Amitabh Chaudhry, said that treatment for cancer is very expensive these days and has the potential to wipe out a family’s savings if other financial solutions are not available.


    The new plan - ‘Cancer Care’ offer policyholders a waiver of future premiums when they are diagnosed with cancer of any stage, early or advanced. It also provides them with a regular payment to help pay for the expenses raised by the treatment. The policy has met with favourable acceptance since 12,000 policies were sold in just the first week alone.

    9 June 2015

GST rate of 18% applicable for all financial services effective July 1, 2017.

Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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HDFC ERGO Health Insurance Reviews

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  • HDFC Ergo Health Insurance
    "Good health insurance"
    0.5 4.0/5 "Great!"
    Actually I do not have any health insurance earlier since HDFC Ergo people approached me first, i have taken the health insurance policy with them. I pay the premium amount of Rs. 365 per month. This policy covers only for me and i have no idea about the coverage amount. From the auto deduction from credit card, i make the premium every month.
    Was this review helpful? 0
    , bangalore
    Reviewed on Sep 14, 2019
  • HDFC Ergo
    HDFC Ergo Health Insurance
    "Good"
    0.5 5.0/5 "Blown Away!"
    My mediclaim policy is with HDFC ERGO because its good and can be used for cashless. The customer service is good and am renewing the policy continuously with the same insurer for last 4 to 5years. The medical coverage is 2.40L for cashless and they are increasing 10% every year. There is no claims applicable.
    Was this review helpful? 1
    , mumbai
    Reviewed on Sep 14, 2019
  • HDFC Ergo Health Insurance
    "Good Service"
    0.5 5.0/5 "Blown Away!"
    I have not done a claim experience for health insurance.Just 5 months before I have taken an insurance from HDFC ERGO. It is yearly basis renewable, premium amount monthly I use to pay approximately 900 rupees, through credit card I do a payment for an EMI.
    Was this review helpful? 0
    , new delhi
    Reviewed on Aug 30, 2019
  • HDFC Ergo Health Insurance
    "Average"
    0.5 4.0/5 "Great!"
    I took my health insurance with HDFC ERGO because am holding a salary account which was easy to process and for further reimbursement or cashless. They have provided me all the information regarding the policy and also received the insurance paper and e-cards. The medical coverage is 10L for myself and spouse. But the drawback of the policy is cash less is applicable only above 5L .
    Was this review helpful? 1
    , chennai
    Reviewed on Aug 29, 2019
  • HDFC Ergo Health Insurance
    "Good insurer for mediclaim"
    0.5 4.0/5 "Great!"
    From HDFC Ergo I got the mediclaim of Rs. 5 lakhs its covers my entire family members, its good for the health issue because they got tied up more hospitals in chennai and other location. They are providing critical illness, pre existing cover as well.
    Was this review helpful? 0
    , chennai
    Reviewed on Aug 24, 2019
  • HDFC Ergo Health Insurance
    "Good Service"
    0.5 5.0/5 "Blown Away!"
    I have health plan with HDFC Ergo GENERAL INSURANCE for more than a lakh it is cover for my whole family. For 42- 58% only can able to claim amount from this insurance which is low. They have tied up with particular hospitals. So far no claim experience.
    Was this review helpful? 0
    , jhansi
    Reviewed on Aug 18, 2019
  • HDFC Ergo Health Insurance
    "Good for medical emergency"
    0.5 4.0/5 "Great!"
    My company gave me HDFC Ergo Mediclaim of Rs. 9 lakhs its covers entire family, there is no claim experience so far but they got tied up with more hospital. They are sending notification and health tips on regular basis I got the medical card, they are providing no claim bonus and pre existing disease cover and I hope they do have ambulance facility.
    Was this review helpful? 0
    , chennai
    Reviewed on Aug 17, 2019
  • HDFC Ergo Health Insurance
    "Good"
    0.5 5.0/5 "Blown Away!"
    I have health plan with HDFC Ergo GENERAL INSURANCE for more than a lakh of medi claim its covers for my whole family. On time I got the medical card from their end. I use to payment on monthly basis for 1000 rupees. They have tied up with many hospitals. So far no claim experience.
    Was this review helpful? 0
    , bangalore
    Reviewed on Aug 12, 2019
  • HDFC Ergo Health Insurance
    "Good for loan holders"
    0.5 5.0/5 "Blown Away!"
    When I took the loan from HDFC Bank, I got the health insurance with the mediclaim value of Rs. 50,000 for one year, They taken premium twice but I got only one policy, I am not sure about it, but I got the mail communication about the policy benefits.
    Was this review helpful? 0
    , bangalore
    Reviewed on Aug 10, 2019
  • HDFC Ergo Health Insurance
    "Hassle free experience"
    0.5 4.5/5 "Excellent!"
    I have health plan with HDFC Ergo for Rs. 2 lakhs of mediclaim its covers only for individual, they are providing major disease cover. On time I got the medical card and brunches from their end. I haven't faced any issues with them so I have idea to recommend it.
    Was this review helpful? 1
    , pune
    Reviewed on Aug 10, 2019
  • HDFC Ergo Health Insurance
    "Excellent Service"
    0.5 5.0/5 "Blown Away!"
    I have taken a health insurance in HDFC ERGO on three years before. The policy is based on 2 years once renewable. For the payment use to get auto debit from salary account. They have tied up with many hospitals and it covers for myself and spouse. I had claim once provided for 50 thousands and service was good.
    Was this review helpful? 0
    , bangalore
    Reviewed on Aug 07, 2019
  • HDFC Ergo Health Insurance
    "Average"
    0.5 3.0/5 "Satisfactory"
    I have taken a health insurance in HDFC ERGO on 6 months before. The policy is yearly renewable basis. I am paying premium in the monthly package of 1600 plus GST. While getting a policy my agent has given an information about the policy details. I use to payment through an online.
    Was this review helpful? 0
    , chennai
    Reviewed on Aug 06, 2019
  • HDFC Ergo Health Insurance
    "Its satisfactory"
    0.5 5.0/5 "Blown Away!"
    HDFC Ergo process is very easy, I got the health plan from my organization. I have sufficient mediclaim its covers for me and nominee. They have connected with more hospitals in all the location. The customer support is good I am getting regular updates.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Aug 06, 2019
  • HDFC Ergo Health Insurance
    "Need to improve the medical coverage for existing customer's"
    0.5 4.0/5 "Great!"
    I have a health insurance with HDFC ERGO and it was chosen for the offer. I haven't claimed yet. They have been charging 11K for 2 years. The medical coverage is not satisfactory where other insurance companies are giving much better than this. They have good network of hospitals for cashless.
    Was this review helpful? 0
    , ghaziabad
    Reviewed on Aug 04, 2019
  • HDFC Ergo Health Insurance
    "Good"
    0.5 4.0/5 "Great!"
    I took a health insurance with HDFC ERGO and the second year is running. I have paid 8K per year to purchase the policy. The customer service is average. They have tied up with lot of major networks of hospitals. The claim is not applicable for me. The medical coverage is 5L and the policy includes 3 members.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jul 30, 2019
  • HDFC Ergo Health Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    I have been using the HDFC ERGO GENERAL INSURANCE since from last more than 10 years and i had no claim, the premium paying was nominal and also the medical coverage is for 5L with the insurance policy. The service is good with the insurance policy.
    Was this review helpful? 0
    , chennai
    Reviewed on Jul 26, 2019
  • HDFC Ergo Health Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    My health insurance policy was taken from HDFC Ergo because my my friend has recommend about this policy. The benefits are fine. I am paying the premium amount of Rs. 400 every month. Only myself covered in this policy. They have provided me a death coverage amount of Rs. 10 lakhs and in that medical cover is 3 lakhs.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jul 24, 2019
  • HDFC Ergo Health Insurance
    "Good"
    0.5 5.0/5 "Blown Away!"
    I have taken a health insurance in HDFC ERGO on 2 months before. The policy is for 2 years then yearly get renewable. I am paying premium in the monthly package. While getting a policy my agent has given an information about the policy details. It can be convert to an EMI without any charges. They have tied up with many hospitals. It covers for all my families.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jul 23, 2019
  • HDFC Ergo Health Insurance
    "Good card for medical emergency"
    0.5 5.0/5 "Blown Away!"
    My health policy belongs to HDFC Ergo I pay Rs. 3.60 lakhs its covers for me and entire family. So far there is no claim experience, they have tied up minor to major hospitals in area. I got the medical card, there is an additional facility on yearly basis.
    Was this review helpful? 0
    , ghaziabad
    Reviewed on Jul 23, 2019
  • HDFC Ergo Health Insurance
    "Good for medical issue"
    0.5 5.0/5 "Blown Away!"
    I got HDFC Ergo health plan for Rs. 5 lakhs for one year its covers my entire family, so far there is no claim. They don't have additional value added service but they got tied up with many hospitals across pan India. They give no claim bonus, the customer interaction is good.
    Was this review helpful? 0
    , lucknow
    Reviewed on Jul 23, 2019
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