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

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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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 21 Jan 2019

Features Specifications
Network Hospitals 6000
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. 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.

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.

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

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  • HDFC Ergo Health Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I got the health insurance with HDFC Ergo, they got tie up with many hospitals, and they have shared me location on those hospital in mail, and they have charged me nominal premium amount ,they have charged me up to 17000-18000 as premium, it is on yearly basis, and i use to pay the premium on an on line basis.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 17, 2019
  • HDFC Ergo Health Insurance
    "Very good benefits"
    0.5 5.0/5 "Blown Away!"
    I have a health insurance from HDFC ERGO which was purchased by me in the year of 2018 because the benefits are very good. The claim process was simple and they have more number of hospitals for cashless. I have paid 18,800 for one year and took 3 years policy for myself and my wife. The medical coverage is 10L for myself and 5L for wife.
    Was this review helpful? 2
    , bangalore
    Reviewed on Jan 14, 2019
  • HDFC Ergo Health Insurance
    "Good"
    0.5 3.0/5 "Satisfactory"
    I have taken health insurance from HDFC Ergo which was offered along my personal loan. I have received the insurance paper and its been couple of months. It covers critical illness and need to go through the policy benefits. Always the customer is good.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 14, 2019
  • HDFC Ergo Health Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have taken my health insurance with HDFC ERGO, there service is good, there agent had explain me about the policy which is covered in this insurance and they have tie up with many hospital and they have shared me there location , and the premium amount they have charged me was nominal,they have charged me up to 5000 on yearly basis for 4,00,000 coverage,i use to pay through on line.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 08, 2019
  • HDFC Ergo Health Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have been using my health insurance with HDFC ERGO for long time, there service is too good, they have tie up with many hospital , and they have shared me all the location regarding the hospital location and the premium amount i use to pay on yearly basis, and premium amount is not fixed every year it use to varies .
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 07, 2019
  • HDFC Ergo Health Insurance
    "Good service"
    0.5 5.0/5 "Blown Away!"
    I have taken my health insurance with HDFC ERGO , i have not opt there policy yet and i use to pay premium on yearly basis and they have charged me nominal, and it use to get auto debit from my account and while i applied for health insurance customer service had explained me about all procedure , so far the process went smoothly and it good, and they have tie up with maximum hospital.
    Was this review helpful? 0
    , gurgaon
    Reviewed on Dec 30, 2018
  • HDFC Ergo Health Insurance
    "Good for every person"
    0.5 5.0/5 "Blown Away!"
    My health was insured from HDFC Ergo. Because of the claim ratio i have selected the HDFC ergo,This policy covers only for me. I pay the premium amount of Rs. 6000 per annum. They have provided me a coverage value of Rs. 2 lakhs. They have a many hospitals in their list and they have good cashless facility also.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Dec 26, 2018
  • HDFC Ergo Health Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have taken my health insurance with HDFC ERGO , i have not opted for the policy yet and i use to pay premium on monthly bases , and it use to get auto debit from my account and while i applied for health insurance customer service had explained me about all procedure , so far the process went smoothly and it was all good.
    Was this review helpful? 0
    , gurgaon
    Reviewed on Dec 26, 2018
  • HDFC Ergo Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have been holding my health insurance with HDFC ERGO GENERAL INSURANCE, there service is good, they have tie up with my hospital , as they have charged me the location of that in excel, and i pay premium amount on quarterly basis, and the premium amount use to get auto debited from my account.
    Was this review helpful? 0
    , bangalore
    Reviewed on Dec 20, 2018
  • HDFC Ergo Health Insurance
    "Its for emergency purpose"
    0.5 5.0/5 "Blown Away!"
    I got my medical card on time from HDFC Ergo its a corporate plan. They gave me medical coverage value of around Rs. 5 lakhs for three person in my family. They are providing major or minor disease cover and they have tie up many hospitals in my place.
    Was this review helpful? 1
    , bangalore
    Reviewed on Dec 17, 2018
  • HDFC Ergo Health Insurance
    "Best Policy"
    0.5 5.0/5 "Blown Away!"
    I have taken Health insurance from Hdfc ergo insurance . Am satisfied with the premium amount which am making the payment yearly . This policy gives good coverage with cashless hospitalization and pre disease cover . Even they have given network list of hospitals .
    Was this review helpful? 0
    , ahmedabad
    Reviewed on Dec 16, 2018
  • HDFC Ergo Health Insurance
    "Best Policy"
    0.5 5.0/5 "Blown Away!"
    I have taken Health insurance from Hdfc ergo insurance . Am satisfied with the premium amount which am making the payment yearly . This policy gives good coverage with cashless hospitalization and pre disease cover . Even they have given network list of hospitals .Even i had good experience in claim experience .
    Was this review helpful? 0
    , ahmedabad
    Reviewed on Dec 16, 2018
  • HDFC Ergo Health Insurance
    "Every must need this policy for future"
    0.5 5.0/5 "Blown Away!"
    My health insurance policy was taken with HDFC Ergo. They have provided me a coverage amount of RS. 8 lakhs. I have to pay the premium amount of Rs. 6000 for 4 years till my loan tenure period. When i purchase the loan, they have given this policy. I have not claimed anything from this policy. The hospital list was fine.
    Was this review helpful? 0
    , gurgaon
    Reviewed on Dec 13, 2018
  • HDFC Ergo Health Insurance
    "Best Policy"
    0.5 5.0/5 "Blown Away!"
    I have taken Health insurance from Hdfc ergo insurance . Am satisfied with the premium amount which am making the payment yearly . This policy gives good coverage with cashless hospitalization and pre disease cover . Even they have given network list of hospitals .Overall am satisfied with the service
    Was this review helpful? 2
    , faridabad
    Reviewed on Dec 13, 2018
  • HDFC Ergo Health Insurance
    "Good health insurance policy"
    0.5 3.0/5 "Satisfactory"
    I have purchased a policy for my family and i bought the policy from HDFC Ergo. I have paid the premium amount of Rs. 13650 yearly once. I have received a coverage amount upto Rs. 3 lakhs. This policy covers for me and my wife. The hospital list was fine. I had no claim experience with HDFC Ergo.
    Was this review helpful? 1
    , bangalore
    Reviewed on Dec 11, 2018
  • HDFC Ergo Health Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have been using my health insurance with HDFC ERGO for long time, there service is too good, they have tie up with many hospital , and they have shared me all the location regarding the hospital location and the premium amount i use to pay on yearly basis, and premium amount is not fixed every year it use to varies .
    Was this review helpful? 0
    , bangalore
    Reviewed on Dec 10, 2018
  • HDFC Ergo Health Insurance
    "Good Cash less option"
    0.5 5.0/5 "Blown Away!"
    My health insurance belongs to HDFC Ergo, they are providing medical cover of Rs. 6 lakhs its only me. Before 15 days I got text stating policy has expired I need to check with the customer service regarding this message. They do have cash less treatment that option is good.
    Was this review helpful? 0
    , new delhi
    Reviewed on Nov 24, 2018
  • HDFC Ergo Health Insurance
    "GOOD SERVICE"
    0.5 5.0/5 "Blown Away!"
    I have purchased the health insurance policy with the HDFC ERGO GENERAL INSURANCE where the process is easy to get the policy. I am using it from past 2-3 months but i have no claim experience with this policy. They have given the medical coverage of 1 lakhs. The premium i pay for 9k.
    Was this review helpful? 1
    , jaipur
    Reviewed on Nov 23, 2018
  • HDFC Ergo Health Insurance
    "Its good top up plan"
    0.5 4.0/5 "Great!"
    This year I have taken medical policy from HDFC Ergo because they are providing good service and also they gave me the value of Rs. 8 lakhs I taken top up using star health policy. I have medical cover premium Rs. 10k per annum, I got the medical card and other updates from them.
    Was this review helpful? 0
    , bangalore
    Reviewed on Nov 22, 2018
  • HDFC Ergo Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have been holding my health insurance with HDFC recently, there service is good, they have charged me premium up to 286 per month, there premium amount was nominal for me and there is tie up with my hospital and it use to get auto debited from my account.
    Was this review helpful? 0
    , lucknow
    Reviewed on Nov 21, 2018
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