• HDFC ERGO Health Insurance

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    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    Responsiveness

    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 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

    * For a family health cover product.

    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

    *These Features may be included as part of different products and are subject to the insurer's terms & conditions.

    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

    *These add-ons may be included as part of different products and are subject to the insurer's terms & conditions.

    HDFC ERGO General Insurance Highlights Updated on 26 Apr 2018

    Features Specifications
    Network Hospitals 4800+
    Waiting Period for Pre-existing Disease 4 years
    Incurred Claims Ratio 76.90%
    Number of Policies Issued 472566
    Grievances Solved 99.45%
    Renewability Lifetime

    *For Year 2016-2017

    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. HDFC ERGO Health Suraksha
    2. HDFC ERGO Health Suraksha with Regain & ECB
    3. HDFC ERGO Health Suraksha Gold
    4. HDFC ERGO Health Suraksha Gold with Regain & ECB
    5. HDFC ERGO my: health Medisure Classic
    6. HDFC ERGO my: health Medisure Super Top-up
    7. HDFC ERGO Critical Illness Silver
    8. HDFC ERGO Critical Illness Platinum

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

    HDFC ERGO’s Health Suraksha Plan:

    Basic Sum Insured per Policy Year Rs.300000, Rs.400000, Rs.500000, Rs.750000 and Rs.100000
    Cashless hospitalization 6000+ hospitals
    Basis Individual or Family Floater
    Policy Term 1- 2 years
    Cumulative Bonus Completion of every claim-free year.
    Tax Benefit Under Section 80(D) of the Income Tax Act.
    Medical Test Applicants under 45 years of age need not undergo a medical test , unless they declare any pre-existing disease.
    Benefits
    • Hassle free claims process, limited documentation and fast settlement times.
    • Zero sub-limits on hospital room rents and expenses, doctor fees etc.
    Exclusions
    • Attempted suicide, death or wounds due to self-inflicted injuries.
    • 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.
    • Pre-existing conditions for first 48 months
    • Abuse of drugs, alcohol, hallucinogens or intoxicants
    • Hospitalisation due to war
    • Mental disorder, insanity, cosmetic surgery & weight control treatments
    • Cosmetic or plastic surgeries

    HDFC ERGO’s Health Suraksha Gold:

    Age limit No limit
    Basis Individual or Family Floater
    Sum Insured Individual Individual – Rs.3 lakh, Rs.4 lakh, Rs,5 lakh, rs.7.5 lakh, and Rs.10 lakh
    Cashless hospitalization 6000+ hospitals across India.
    Tax Benefit Under Section 80(D) of the Income Tax Act
    Coverage
    • Inpatient treatment taken due to an accident or illness
    • Pre and post-hospitalisation expenses incurred 60 days prior to hospitalisation, and 90 days following hospitalisation respectively
    • Day-care procedures which do not require 24 hour hospitalisation
    • Domiciliary treatment prescribed by a certified medical practitioner
    • Organ donor expenses
    • Emergency ambulance expenses
    • AYUSH treatment – Ayurveda, Unani, Sidha, and Homeopathy
    • New born baby expenses after 90 days of birth
    • E-opinion in case of critical illness
    Benefits
    • 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.

    HDFC ERGO Health Suraksha with Regain & ECB

    Entry age No limit
    Sum insured Rs.3 lakh, Rs.4 lakh, Rs.5 lakh, Rs.7.5 lakh, and Rs.10 lakh
    Plan basis Individual or Family Floater
    Tax benefits Available under Sec 80D of Income Tax Act, 1961
    Discount
    • 10% discount when you choose a 2 year policy term
    • Get a family discount of 10% when 2+ family members have coverage under Health Suraksha with individual Sum insured
    Features
    • Inpatient treatment taken due to an accident or illness
    • Pre and post-hospitalisation expenses incurred 60 days prior to hospitalisation, and 90 days following hospitalisation respectively
    • Day-care procedures which do not require 24 hour hospitalisation
    • Domiciliary treatment prescribed by a certified medical practitioner
    • Organ donor expenses
    • Emergency ambulance expenses subject to limits
    • AYUSH treatment – Ayurveda, Unani, Sidha, and Homeopathy
    Benefits
    • New born baby expenses after 90 days of birth
    • Cashless hospitalisation at 6000+ network hospitals
    • E-opinion in case of critical illness
    • Health check-up
    • Enhanced cumulative bonus
    Regain Benefits Upon exhaustion of sum insured, automatic re-instatement of sum insured, including cumulative bonus) during the policy year
    Exclusions
    • No cover for pre-existing conditions for the first 48 months
    • Illness occurring due to HIV/AIDS
    • lllness/injury due to use of intoxicants – drugs, alcohol
    • Pregnancy related expenses
    • No coverage for external/dental aids or appliances unless the same is listed under the plan
    • War-like activities, terrorist activities, or radioactivity
    • Treatment expenses incurred within 30 days of policy commencement, except in case of an accidental injury
    • Treatment of a mental disorder
    • Expenses towards aesthetic/cosmetic procedures

    Health Suraksha Gold with Regain & ECB

    Entry age No limit
    Sum insured Rs.3 lakh, Rs.4 lakh, Rs.5 lakh, Rs.7.5 lakh, and Rs.10 lakh
    Plan basis Individual or Family Floater
    Tax benefits Available under Sec 80D of Income Tax Act, 1961
    Discount 10% discount when you choose a 2 year policy term
    Features
    • Pre and post-hospitalisation expenses incurred 60 days prior to hospitalisation, and 90 days following hospitalisation respectively
    • Inpatient treatment taken due to an accident or illness
    • Domiciliary treatment prescribed by a certified medical practitioner
    • Day-care procedures which do not require 24 hour hospitalisation
    • Cover for maternity expenses
    • Emergency ambulance expenses subject to limits
    • Organ donor expenses
    • AYUSH treatment – Ayurveda, Unani, Sidha, and Homeopathy
    Benefits
    • Cashless hospitalisation at 6000+ network hospitals
    • Hassle-free claim settlement process and quick claim settlement turnaround time.
    • Zero sub-limits on room rent, doctor’s fee, hospital charges, etc.
    • Enhanced cumulative bonus @ 10%
    Regain Benefits Automatic re-instatement of sum insured upon exhaustion

    HDFC ERGO my: health Medisure Classic

    Entry age Starting from 91 days onwards; No maximum limit
    Sum insured Rs.2lakh, Rs.3 lakh, Rs.4 lakh, and Rs.5 lakh
    Medical check-up Not required for applicants under 50 years of age unless a pre-existing disease is declared
      Individual or Family Floater
    Renewal Lifetime renewal
    Tax benefits Available under Sec 80D of Income Tax Act, 1961
    Discount 5% discount on purchasing a 2-year policy
    Features
    • Cover for multiple in-patient expenses
    • Cover for domiciliary treatment prescribed by a certified medical professional
    • Policy sum insured is re-instated if it has been used up in a previous claim raised for hospitalisation following an accident
    • Coverage for expenses incurred on pre-existing diseases
    Benefits
    • Re-instatement of sum insured
    • New born baby & maternity cover
    • Ayurveda treatment covered
    • If hospitalisation period exceeds 10 consecutive days, an additional recovery benefit of Rs.5000 is offered.
    • Multiple day-care procedures covered
    • Cover for pre & post hospitalisation expenses
    • Additional coverage for ambulance charges
    Policy period Policy can be taken for a duration of 1 or 2 years
    Exclusions
    • Pre-existing conditions will not be covered for 36 months
    • Waiting periods will be applicable on coverage
    • Specific diseases have a 2 year exclusion period

    HDFC ERGO my: health Medisure Super Top-up

    Entry age Up to 65 years; Children aged 91 days to 23 years will be covered on the condition that both parents are covered under the policy
    Policy term 1 or 2 years
    Renewal Lifetime renewability
    Benefits
    • Get high amount of coverage at low premium
    • Quick turnaround time of 6 hours on cashless claims
    • Option to avail 10% Family discount or 5% discount on a 2 year policy term
    • Medical check-up not required for applicants under 55 years, unless pre-existing disease is declared
    • Tax benefits to be availed under Sec 80D of Income Tax Act, 1961
    • Cover for pre hospitalisation expenses 30 days before hospitalisation
    • Cover for post-hospitalisation expenses for a period of 60 days after hospitalisation
    • Premium to remain constant after policyholder turns 61 years
    Policy coverage
    • Cover for hospitalisation expenses without any restrictions
    • After the policy has been renewed 3 consecutive times, cover will be provided for pre-existing diseases
    • Cover for day-care treatments
    Exclusions
    • Coverage will be subject to waiting periods
    • A minimum waiting period of 30 days is applicable unless hospitalisation is due to an accidental injury
    • Waiting period of 2 years applicable for specific diseases
    • Pre-existing illnesses will be covered subject to a waiting period of 3 years and other conditions
    • No coverage for non-allopathic treatments
    • No coverage for injury or illness arising due to AIDS or HIV
    • No cover for illness or injury caused due to consumption of intoxicants like alcohol or drugs

    HDFC ERGO Health Critical Illness Insurance (Silver & Platinum)

    Eligibility All individuals aged between 5 to 45 years; Children between the age of 5 to 18 years will be covered on the condition that both parents are covered under the policy
    Sum insured Rs.2.5 lakh to Rs.10 lakh
    Tax benefits Available under Sec 80D of Income Tax Act, 1961
    Medical tests Not required for individuals under 45 years of age unless any health issue is reported
    Documents required Completed and signed proposal form
    Critical illnesses covered
    • Silver plan - Paralysis, coronary artery bypass surgery, kidney failure, major organ transplant, cancer, stroke, multiple sclerosis, heart attack
    • Platinum plan – End stage liver disease, Alzheimer’s disease, Parkinson’s disease, benign brain tumour, heart valve replacement, primary pulmonary arterial hypertension, aorta graft surgery, paralysis, multiple sclerosis, major organ transplant, kidney failure, cancer, stroke, coronary artery bypass surgery, heart attack
    Benefit policy If the insured policyholder is diagnosed with any one of the listed critical illness, a lump sum amount will be paid by the insurer towards medical treatment and care
    Policy variants Silver & Platinum
    Coverage Medical care and treatment, recuperation costs, debt repayment, loss of income following inability
    Exclusions
    • Injury/illness due to consumption of intoxicants like drugs or alcohol
    • Sexually-transmitted diseases like AIDS or HIV
    • Any pregnancy, birth, maternity, miscarriage related treatment
    • 90-day waiting period under the Platinum variant

    HDFC ERGO Health Insurance Offers 2 Types of Policies:

    Here is how you get a comprehensive health insurance cover, HDFC ERGO offers 2 types of health insurance plans:

    • Indemnity health insurance plan: This type of plan offers reimbursement for hospitalisation costs incurred during the policy term. It covers room rent, doctor's fees, pre and post-hospitalisation costs, operation theatre charges, etc. The types of indemnity plans offered by HDFC ERGO Health Insurance are:
      • Silver: It covers in-patient treatment, pre and post-hospitalisation, day-care procedures, domiciliary treatment, emergency ambulance, AYUSH benefit, Cumulative Bonus, Organ donor, and medical checkups.
      • Silver Regain and Enhancement Cumulative Bonus: It covers in-patient treatment, pre and post-hospitalisation, day-care procedures, domiciliary treatment, emergency ambulance, AYUSH benefit, Cumulative Bonus, Organ donor, medical checkups, Regain benefits, and Enhanced Cumulative Bonus.
      • Gold: It covers in-patient treatment, pre and post-hospitalisation, day-care procedures, domiciliary treatment, emergency ambulance, AYUSH benefit, Cumulative Bonus, Organ donor, medical checkups, E-opinion for critical illness, convalescence benefit, and maternity benefit.
      • Gold Regain and Enhancement Cumulative Bonus: It covers in-patient treatment, pre and post-hospitalisation, day-care procedures, domiciliary treatment, emergency ambulance, AYUSH benefit, Cumulative Bonus, Organ donor, medical checkups, Regain benefits, Enhanced Cumulative Bonus, E-opinion for critical illness, convalescence benefit, and maternity benefit.
      • Super Top-up: It covers in-patient treatment, pre and post-hospitalisation, day-care procedures, and medical checkups.
      • Classic: It covers in-patient treatment, pre and post-hospitalisation, day-care procedures, domiciliary treatment, emergency ambulance, AYUSH benefit, Cumulative bonus, medical checkups, and maternity benefit.
    • Lump-sum benefit plan: This type of plan offers a lump-sum benefit on occurrence of the covered event during the policy term. It covers rehabilitation, physiotherapy, ergonomic furniture, follow-up medical investigations, diagnostic tests, BP monitoring machines, dietary supplements, etc. The types of Lump-Sum Benefit plans offered by HDFC ERGO Health Insurance are:
      • Silver: It covers heart attack, paralysis, aorta graft surgery, major organ transplant, multiple sclerosis, kidney failure, cancer, stroke, and coronary artery bypass surgery.
      • Platinum: It covers heart attack, paralysis, end stage liver disease, benign brain tumour, Parkinson's disease, aorta graft surgery, major organ transplant, Alzheimer's disease, heart valve replacement, primary pulmonary arterial hypertension, multiple sclerosis, kidney failure, cancer, stroke, and coronary artery bypass surgery.

    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, intimate the insurer 48-72 hours prior to admission. For unplanned hospitalisation, intimate the insurer as soon as possible upon admission. Display your HDFC ERGO health card and a photo ID at the hospital desk. The hospital will verify your identity details and submit a duly-filled and signed pre-authorisation request form to the insurer’s in-house claim services team. After verification of the pre-authorisation request, the hospital will receive an approval letter, after which the cashless treatment will be begin.
    • 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. Upon successful verification of the claim request, the claim amount will be sent to the insured member within 30 days of receipt of the documents.

    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. 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.

    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 1800 2 666 400.

    25. What does HDFC ERGO Health Insurance cover?

      • In-patient treatments
      • Pre and post hospitalization charges
      • Day-care procedures
      • Domiciliary treatments
    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.

    News About HDFC ERGO Health Insurance

    • 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.

    HDFC ERGO Health Insurance Reviews

  • Page 1 of 46 1 2 3 4 5
    • HDFC Ergo Health Insurance
      "best policy"
      0.5 4.0/5 "Great!"
      I had taken a health insurance policy from the public sector insurance company HDFC ERGO GENERAL INSURANCE. My annual premium amount is reasonable by comparing with other premiums. I did not received my policy document by mail and hard copy too. I contacted the customer care to courier my health card to my registered communication address.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 18, 2018
    • HDFC Ergo Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a health insurance policy with HDFC ERGO from last 1month, i have not claimed anything so far with this insurance. The coverage value of this insurance policy is 3 lakhs and i am satisfied with it. I pay a insurance premium of Rs 11000 every year.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 17, 2018
    • HDFC Ergo Health Insurance
      "best policy"
      0.5 5.0/5 "Blown Away!"
      I had taken a health insurance policy from the HDFC ERGO GENERAL INSURANCE. My annual premium is very reasonable by comparing with other premiums. I had a positive claim experience. The claim procedure is very easy and simple. The costumer support is good and well responsive.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 17, 2018
    • HDFC Ergo Health Insurance
      "HDFC Ergo Health insurance"
      0.5 5.0/5 "Blown Away!"
      When i have taken the credit card from HDFC They have activated the heath insurance HDFC ERGO. The total policy coverage is for 3 lakhs. If hospitalized then i can claim upto 50000. It will covers my family as well. They do have reimbursement option as well. It will be auto debited from my salary account.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Apr 17, 2018
    • HDFC Ergo Health Insurance
      "Good Policy"
      0.5 3.0/5 "Satisfactory"
      I have a health insurance policy with HDFC ERGO from last 4.5 years, i have no claim experience so far with this insurance and i have the coverage value of Rs 4 lakhs for this insurance. I have to pay a premium of Rs 10000 for this insurance policy.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Apr 11, 2018
    • HDFC Ergo Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with HDFC ERGO from last 2 years, the coverage value of this insurance policy is 3-4 lakhs and i am satisfied with it. I pay a premium of Rs 360 on monthly basis through ECS and i do not have claim experience so far with this insurance.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 10, 2018
    • HDFC Ergo Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance policy with HDFC ERGO from last 3 years, this policy has a good coverage value of Rs 3 lakhs for this insurance. I do not have claim experience so far with this insurance and the premium amount for this insurance is Rs 8000 and it has to be paid every year.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 09, 2018
    • HDFC Ergo Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I have a health insurance from Hdfc. The benefits is for the single benefit. They collected all my needed documents directly. The payment options are through online I am comfortable with that. It was an good experience with Hdfc health Insurance service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 02, 2018
    • HDFC Ergo Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have my health insured with HDFC ERGO from last 5 years and it is a good policy to use. I have to pay a premium of Rs 6000 which has to be paid be every year for this insurance. My claim experience with this insurance was very good and they covered 100% of the billed amount. I have a coverage amount of Rs 3.5 lakhs in this insurance.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 29, 2018
    • HDFC Ergo Health Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      Around a year ago, I have got the health insurance policy from the HDFC ERGO GENERAL INSURANCE company and it is a EULIP plan, This policy covers whole family that is 3 members in my family, I have paid Rs,5.0,000 per year to get this policy . This policy has the coverage of Rs,5,00,000.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 24, 2018
    • HDFC Ergo Health Insurance
      "HDFC Ergo health insurance"
      0.5 4.0/5 "Great!"
      From HDFC ERGO GENERAL INSURANCE i have taken a health insurance. The premium is 800 for 1 year. They provide health check up vouchers for the whole family. They provide cashless facility. The customer service and response was good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 20, 2018
    • HDFC Ergo Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I am having a health insurance policy with HDF ERGO from last 4 years and it is one of the good insurance policy to use. I pay a premium of Rs 11000 which has to be paid every year for this insurance. I have a coverage of Rs 2 lakhs which is satisfactory and i do not have claim experience so far with this insurance.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 20, 2018
    • HDFC Ergo Health Insurance
      "Average policy to hold"
      0.5 3.0/5 "Satisfactory"
      I have my health insurance policy with HDFC ERGO. Till now I have no claim experience so far. This health insurance policy covers me and my family members which has a coverage limit of around 2.5 lakhs and for this insurance policy my company pays for it.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 13, 2018
    • HDFC Ergo Health Insurance
      "Good policy"
      0.5 5.0/5 "Blown Away!"
      I have taken health insurance from HDFC ERGO GENERAL INSURANCE. It covers my whole family, and even provide health check up for every family member every year.They provide cashless as well as reimbursement. No claim experience.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 12, 2018
    • HDFC Ergo Health Insurance
      "HDFC ergo health insurance"
      0.5 4.0/5 "Great!"
      I have taken health insurance from HDFC ERGO GENERAL INSURANCE with a premium of 12000. It covers my whole family, and even provide health check up for every family member every year.They provide cashless as well as reimbursement. No claim experience.
      Was this review helpful? 0
      , vadodara
      Reviewed on Mar 12, 2018
    • HDFC Ergo Health Insurance
      "Below Average Service"
      0.5 1.0/5 "Really Bad"
      HDFC ERGO health insurance service is good. The benefits are like single. The documents process has been really smooth with HDFC ERGO health insurance service. But the claim is not an easy process. I am not much happy with the service of HDFC health insurance service.
      Was this review helpful? 0
      , kozhikode
      Reviewed on Mar 09, 2018
    • HDFC Ergo Health Insurance
      "Better service"
      0.5 4.0/5 "Great!"
      I have taken Health Insurance with HDFC Ergo.The premium amount is 10,000 paid per annum through credit card.I don't have claim experience with them.The policy coverage amount is three lakhs.The policy is taken six months ago.They had completed the process within one weeks time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 09, 2018
    • HDFC Ergo Health Insurance
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance with Hdfc ergo,the service is good with Hdfc. The benefits is for the whole family and the offers will cover all the top hospitals. The payments are generally through online. It is a excellent service from Hdfc ergo health insurance service.
      Was this review helpful? 0
      , kanpur
      Reviewed on Mar 03, 2018
    • HDFC Ergo Health Insurance
      "Good policy"
      0.5 3.0/5 "Satisfactory"
      I have taken a health insurance from HDFC ergo with a premium of 400 monthly. I am not sure about the other benefits with the policy. I have to pay the premium for 32 years. After that i will get some amount plus some interest from this health insurance with HDFC ergo.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 27, 2018
    • HDFC Ergo Health Insurance
      "Best service"
      0.5 5.0/5 "Blown Away!"
      I have taken a Health insurance with HDFC Ergo,the insurance was taken one year ago,the procedure was too simple as i submitted limited documents.I have no claim experience with them.I pay a premium amount of 7500.The policy coverage amount six lakhs.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 27, 2018
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