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  • HDFC ERGO Health Insurance

     4.0 / 5.0   by 784 users
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    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    HDFC ERGO General Insurance Company Ltd. is a 74:26 joint venture between HDFC Ltd., India's premier Housing Finance Institution and ERGO International AG, the primary insurance entity of Munich Re Group. HDFC ERGO offers complete range of general insurance products ranging from Motor, Health, Travel, Home and Personal Accident in the retail space and customized products like Property, Marine and Liability Insurance in the corporate space. HDFC ERGO is the 4th largest private sector general insurance company in India.


    HDFC ERGO Health Insurance at a Glance

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    Coverage for your most loved ones

    Total members covered

    Coverage for a maximum of 4 family members with up to 2 adults and 2 children

    You get a choice of coverage tenure

    Pre and Post Hospitalization cover

    Medical expenses covered for 60 days before your hospitalization and 90 days for post hospitalization for related medical expenses

    The next best thing to having a doc in the family

    Health Check-ups

    Health Check-up expenses reimbursed on completion of 4 claimless years

    * 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.

    Overview

    HDFC ERGO General Insurance

    The HDFC ERGO General Insurance Company is the progeny of two immensely respected and influential insurance concerns. HDFC Ltd, is one of India’s premier housing finance institution (74% stake) while ERGO International AG (26% stake) is the insurance wing of the Munich Re Group. The company offers a complete suite of insurance products ranging from motor, health, travel, home and personal accident in the retail space, alongside such products for the corporate sphere such as property, marine and liability insurance. HDFC ERGO General Insurance prides itself at being the 4th biggest private sector general insurance company in India, with 1700+ employees working in 104 branches across 87 cities in India. The company is ISO certified and sports the ‘iAAA’ rating as awarded by the ICRA, which points to the company’s flawless record for a high rate of claim settlements. HDFC ERGO General Insurance is indeed, a front runner when it comes to insurance choices in India.

    HDFC Ergo Health Insurance Plans

    How To Apply HDFC ERGO Health Insurance Online?


    Health Insurance from HDFC ERGO

    The company markets the following health insurance products- Health Suraksha, Health Suraksha Gold, Health Suraksha Regain, Health Suraksha Top Up, Critical Illness and Critical Illness Platinum.

    HDFC ERGO’s Health Suraksha Plan

    Basic Sum Insured per Policy Year Rs. 2 lakhs, Rs. 3 lakhs, Rs. 4 lakhs or Rs. 5 lakhs
    Cashless hospitalization 4800+ hospitals
    Basis Individual or Family Floater
    Policy Term 1- 2 years
    Cumulative Bonus Completion of every claimless year.
    Tax Benefit Under Section 80(D) of the Income Tax Act.
    Medical Test Under 45 years of age, health check-up is not compulsory
    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 4 yrs
    • Abuse of drugs, alcohol, hallucinogenic, intoxicant
    • 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
    Renewal Lifetime
    Basis Individual or Family Floater
    Sum Insured Individual Rs. 2 lakhs, Rs. 3 lakhs, Rs. 4 lakhs, Rs. 5 lakhs, Rs. 7.5 lakhs and Rs. 10 lakhs. Family Floater: Rs. 3 lakhs, Rs. 4 lakhs, Rs. 5 lakhs, Rs. 7.5 lakhs or Rs. 10 lakhs.
    Discount Avail 10% discount for a 2 year tenure
    Cashless hospitalization 4800+ hospitals across India.
    Tax Benefit Under Section 80(D) of the Income Tax Act
    Coverage Inpatient hospitalization expenses under Ayurveda, Unani, Sidha & Homeopathy
    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.
    Exclusions
    • Pre-existing conditions will not be covered for first 48 months
    • Abuse of intoxicant or hallucinogenic substance like drugs and alcohol
    • Pregnancy, dental and external aids and appliances unless covered under specific Plans
    • Terrorist activities, radioactivity or war
    • Any treatment within first 30 days of cover except any accidental injury
    • Mental disorder or insanity
    • Cosmetic surgery and weight control treatment
    • AIDS/HIV
    • Self inflicted injury
    • Preventive care and vaccination

    HDFC ERGO’s Health Suraksha Regain

    Age limit No limit
    Sum Insured Rs. 3 lakhs, Rs. 4 lakhs, Rs. 5 lakhs, Rs. 7.5 lakhs and Rs. 10 lakhs.
    Discount Avail 10% discount for a 2 year
    Cumulative Bonus 10% for every claim free year, up to 100% of the sum insured.
    Cashless hospitalization 4800+ hospitals across India.
    Tax Benefit Under Section 80(D) of the Income Tax Act
    Coverage Inpatient hospitalization expenses under Ayurveda, Unani, Siddha, and Homeopathy without any sub limit as part of AYUSH Cover.
    Benefits Offered
    • REGAIN Benefit- Ensures automatic availability of sum insured upon its exhaustion.
    • Zero sub-limits on any disease, room rent, hospitalization charges, doctor’s fee etc.
    • Hassle free claims process, limited documentation and fast settlement times.
    Exclusions
    • Pre-existing conditions will not be covered for first 48 months
    • Abuse of intoxicant or hallucinogenic substance like drugs and alcohol
    • Pregnancy, dental and external aids and appliances unless covered under specific Plans
    • Terrorist activities, radioactivity or war
    • Any treatment within first 30 days of cover except any accidental injury
    • Mental disorder or insanity
    • Cosmetic surgery and weight control treatment
    • AIDS/HIV
    • Self inflicted injury
    • Preventive care and vaccination

    HDFC ERGO’s Health Suraksha Top Up Plus

    Sum Insured Rs.2 lakhs, Rs.3 lakhs, Rs.4 lakhs, Rs.5 lakhs, Rs.7.5 lakhs and Rs.10 lakhs.
    Deductible Rs.1 lakh, Rs.2 lakhs, Rs.3 lakhs, Rs.4 lakhs and Rs.5 lakhs.
    Exit age No. Covered for life! Children covered from 91 days onwards.
    Pre policy check-ups Not mandatory for persons under the age of 55 years
    Tax Benefit Under Section 80(D) of the Income Tax Act
    Benefits Offered
    • Choose between 1 & 2 years policy tenure for Individual or Family Floater plans.
    • When the deductible as per this policy is exhausted, a top-up cover is initiated.
    Exclusions No payments unless the medical expenses exceed the deductible. For the first 48 months, pre-existing conditions will not be covered. Also, specific illnesses and treatments might require 24 months as a waiting period before the policy will be applicable. A waiting period of 30 days applies to all claims.

    HDFC ERGO’s Health Critical Illness Insurance

    Coverage type Individual
    Sum Insured Rs. 2.5 lakh to 10 lakh
    Tax Benefit Under Section 80(D) of the Income Tax Act
    Benefits Provides a lump sum benefit that can be used for- Hospitalization costs, care & treatment, recuperation aids, to pay off debts, compensate for lost income due to decreasing earning ability, and fund a complete change of lifestyl
    Types of Critical Illnesses Coverd
    • Heart Attack (Myocardial Infarction)
    • Coronary Artery Bypass Surgery
    • Stroke
    • Cancer
    • Kidney Failure
    • Major Organ Transplantation
    • Multiple Sclerosis
    • Paralysis
    Exclusions
    • 90 days waiting period applies to all claims.
    • Claims raised for illnesses or injuries that were caused due to the use of drugs or alcohol.
    • Attempted suicide, death or wounds due to self-inflicted injuries, criminal or unlawful acts.
    • Acquired Immune Deficiency Syndrome (AIDS) and related diseases.
    • War, invasion, acts propagated by foreign enemies, activities consistent with war.
    • Treatments arising from pregnancy (including voluntary termination), miscarriage, maternity or birth (including caesarean section).
    • Participation in such activities as racing, diving, aviation, scuba diving, parachuting, hang gliding, mountain climbing or activities pertaining to naval, military or air force operations.

    HDFC ERGO’s Health Critical Illness Platinum

    Coverage Type Individual
    Entry Age Minimum is 5; maximum is 65
    Sum Assured Rs 2 Lakhs to Rs 10 lakhs.
    Benefits Hospitalization costs, care & treatment, recuperation aids, to pay off debts, compensate for lost income due to decreasing earning ability, and fund a complete change of lifestyle.
    Types of Critical Illnesses Coverd
    • Heart Attack (Myocardial Infraction)
    • Coronary artery Bypass Surgery
    • Stroke
    • Cancer
    • Kidney failure
    • Major organ transplantation
    • Multiple Sclerosis
    • Paralysis
    • Aorta Graft Surgery
    • Primary Pulmonary Arterial Hypertension
    • Heart Valve Replacement
    • Benign Brain Tumour
    • Parkinson's disease
    • Alzheimer's disease
    • End Stage Liver disease
    Exclusions
    • 90 days waiting period applies to all claims.
    • Claims raised for illnesses or injuries that were caused due to the use of drugs or alcohol.
    • Attempted suicide, death or wounds due to self-inflicted injuries, criminal or unlawful acts.
    • Acquired Immune Deficiency Syndrome (AIDS) and related diseases.
    • War, invasion, acts propagated by foreign enemies, activities consistent with war.
    • Treatments arising from pregnancy (including voluntary termination), miscarriage, maternity or birth (including caesarean section).
    • Participation in such activities as racing, diving, aviation, scuba diving, parachuting, hang gliding, mountain climbing or activities pertaining to naval, military or air force operations.

    HDFC Ergo Health Insurance FAQs

    1. Why choose health insurance plans (Health Suraksha) from HDFC Ergo?
    2. ‘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.


    3. What are the types of health insurance plans available from HDFC Ergo?
    4. There are 4 different plans under Health Suraksha basic policy – 1 Adult; 2 Adults; 2 Adults and 1 Child; 2 Adults and 2 Children. The coverage ranges from ? 3 lakhs- 4 lakhs. Individuals within ages 3 months – 65 years can avail these plans. Other HDFC Ergo health insurance policies include Health Suraksha Gold, Health Suraksha Regain, Health Suraksha Gold Regain, Critical Illness, and Critical Illness Platinum.


    5. What tax benefits will I get?
    6. Tax exemptions are available for all HDFC Ergo health insurance policyholders. Exemption benefits on payment of premium regularly throughout the policy tenure, may be availed up to a maximum of ? 15,000 of the overall premium paid according to Section 80D. Senior citizens receive more benefits at ? 20,000.


    7. What do you mean by Pre and Post-Hospitalization charges?
    8. Pre hospitalization expenses are the health care expenses incurred during a specified period of time (60 days for this company) before the actual hospitalization of a policyholder. Similarly, post-hospitalization expenses are the expenses incurred during a specified number of days (90 days) after actual hospitalization is over.


    9. What do you mean by day care procedures?
    10. Due to immense advancements in healthcare technologies, some surgeries/medical procedures can be completed within a day, eliminating the need for hospitalization.


    11. What do you mean by Domiciliary Hospitalization expenses?
    12. These are the expenses incurred for medical treatments that a patient undergoes at home at the advice of a medical practitioner due to inability to move to a hospital.


    13. What are Ayush benefits?
    14. 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.


    15. What are organ donor expenses?
    16. These are the expenses of donating an organ to an insured individual for organ transplant procedures.


    17. I read about Cumulative Bonus. What is it?
    18. 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%.


    19. What are pre-existing diseases?
    20. 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.


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


    23. Why should I get a Health Card from HDFC Ergo health insurance?
    24. 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.


    25. Who or what is a TPA?
    26. 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.


    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

    • 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.

      18th 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.

      21st 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.

      21st 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.

      21st 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.

      21st 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.

      7th 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.

      9th June 2015

    HDFC ERGO Health Insurance Reviews

  • Page 1 of 40 1 2 3 4 5
    • HDFC Ergo Health Insurance
      "Good Health insurance"
      0.5 3.5/5 "Pretty good"
      I have taken this health insurance policy from HDFC Ergo on 2012, still my policy is active but I didn't utilize for any claim. I do the make the premium of Rs.4500 on annual basis, HDFC Ergo gave the medical coverage Rs.3 lakhs and Rs.10 lakhs for accidental coverage, Its cover only for me.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 20, 2017
    • HDFC Ergo Health Insurance
      "Good Insurance"
      0.5 3.0/5 "Satisfactory"
      My company have provided HDFC ERGO health insurance. They have provided the medical coverage of Rs. 4 lakhs for my family, its covers every one including my parents. Total premium of this policy is Rs.7000, I make the partial amount of 50%, remaining my company will pay it.
      Was this review helpful? 0
      , nagpur
      Reviewed on Jun 16, 2017
    • HDFC Ergo Health Insurance
      "Better Policy to use "
      0.5 4.0/5 "Great!"
      I got health insurance with HDFC ERGO GENERAL INSURANCE 2 years ago. When I am hospitalized based on this policy, I will be getting the cashless treatment . I paid Rs.6500 to renew the policy this year. This policy covers myself and my spouse only 2 persons . I had a claim experience with this health insurance, within 7 days I got the claim amount, which is quick and fast.
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on Jun 15, 2017
    • HDFC Ergo Health Insurance
      "Can provide better services"
      0.5 3.0/5 "Satisfactory"
      I have taken an individual health insurance from HDFC Ergo. The customer support at the insurance team is also average, because I had been asking them details for a family coverage and till date I have not got any information. The premium is paid on an yearly basis. The amount is 3500 and the medical coverage is of 1.5 lakhs.
      Was this review helpful? 1
      , mettur
      Reviewed on May 30, 2017
    • HDFC Ergo Health Insurance
      "DO NOT BUY FROM HDFC ERGO"
      0.5 0.5/5 "Unacceptable"
      My claim was rejected unfairly and I am still fighting with them and have also approached IRDA for dispute resolution. They are thugs and will reject insurance claims without any valid reason and you have run behind it like I am doing today. So please beware before dealing with them.
      Was this review helpful? 1
      , mumbai
      Reviewed on May 29, 2017
    • HDFC Ergo Health Insurance
      "Trust"
      0.5 4.0/5 "Great!"
      With the HDFC ERGO , I do hold a health insurance policy and the coverage value is around lakh Rupees , which covers myself and my spouse. I do not have any claim expereince them till now. They are ranked 3rd with respect to claim settlement ratio.
      Was this review helpful? 1
      , mumbai
      Reviewed on May 16, 2017
    • HDFC Ergo Health Insurance
      "Helpful "
      0.5 5.0/5 "Blown Away!"
      The health insurance provided by HDFC is very useful they gave me a offer for 1+1year they support very much for accidental coverage by giving 100% hospitality and also they give reasonable price if we are bedridden for certain period it is very great and thankful to HDFC
      Was this review helpful? 0
      , mysore
      Reviewed on May 16, 2017
    • HDFC Ergo Health Insurance
      "Excellent "
      0.5 5.0/5 "Blown Away!"
      I got the health insurance policy with the HDFC ERGO general insurance company and the premium is around 9000 Rupees per annum and the coverage value is around 2.5 lakh Rupees to 3 lakh Rupees, which only applicable for me. I have not faced any claims with them till now and am with them from the last four years of time. Every year the premium used to get reduced because of non claiming bonus.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on May 12, 2017
    • HDFC Ergo Health Insurance
      "Value for Money"
      0.5 4.0/5 "Great!"
      I have taken health insurance with HDFC Ergo, it gives the coverage entire family it has the medical coverage of Rs.8 lakhs. I am not sure amount the premium amount. I have taken this policy through online channel and I received the policy copy after three days of request.
      Was this review helpful? 0
      , kolkata
      Reviewed on May 11, 2017
    • HDFC Ergo Health Insurance
      "Wonderful "
      0.5 4.0/5 "Great!"
      I got the health insurance policy with the HDFC ergo general insurance company and the medical coverage value is up to 1.5 lakh Rupees, also the coverage is up to my end. Response is also good one with them and I have faced three claims with them and I got 100% of cost of treatment as reimbursement.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 03, 2017
    • HDFC Ergo Health Insurance
      "Good insurance for the people "
      0.5 5.0/5 "Blown Away!"
      I haven't got any treatment experience, claim experience with this ''cancer policy''. I got Cancer policy with HDFC bank. I paid around Rs.500 for one year and they do intimate to renew the policy before a month. I pay through hdfc online portal.
      Was this review helpful? 0
      , sangli
      Reviewed on May 02, 2017
    • HDFC Ergo Health Insurance
      "Better "
      0.5 5.0/5 "Blown Away!"
      I do have health insurance policy with he HDFC ergo general insurance company. I got it with the cheaper premium rate and they are having good tie up with the standard hospitals. Response is good with them and they used to provide the instant help to the customer. I have not faced the claims with them but its good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 27, 2017
    • HDFC Ergo Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      When I was taking credit card at the time they offered me Health Insurance with HDFC ERGO, it was really helpful. When I was in bad situation, Few years back my elder son got hospitalized, I spent some money for the treatment and I got reimbursement of whole amount by submitting all the original bills. Again he got cash less treatment around Rs.60,000 when he undergone with Appendix operation.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 27, 2017
    • HDFC Ergo Health Insurance
      "Good policy for my family"
      0.5 4.0/5 "Great!"
      HDFC ERGO gave me good support while taking health insurance with them, they called and gave me full information about the policy, I making the premium amount of Rs.15,000 for one years, this policy covers for my entire family. They gave me the good medical coverage of Rs.5 lakhs.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 25, 2017
    • HDFC Ergo Health Insurance
      "Bitter experience"
      0.5 1.0/5 "Really Bad"
      I had a bitter experience with HDFC ERGO where I had taken a health insurance from HDFC ERGO. But when my mother was hospitalized they confirmed that this insurance would not cover certain illness and thereby it was not fruitful. I had taken it before 2 years it was no use eventually I closed it.
      Was this review helpful? 1
      , bangalore
      Reviewed on Apr 20, 2017
    • HDFC Ergo Health Insurance
      "Good "
      0.5 5.0/5 "Blown Away!"
      I do have health insurance policy with the HDFC ERGO and the premium is around seven thousand to eight thousand per annum. Services are good one with them ,also I have not faced any claims with them till now. Total coverage value is around 4 lakh Rupees and they are having enough number of hospitals to get the cashless treatment.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 11, 2017
    • HDFC Ergo Health Insurance
      "Not Satisfactory"
      0.5 2.0/5 "Expected more"
      Three years ago, I approached HDFC Ergo for health insurance. Their services are quite good when I was taking an insurance, post which, they had not bothered to response the customers. I am struggling with HDFC ergo on medical claim, still I could not claim the amount. They are delaying the process. Medical coverage is really good but initially I spent my money, now it is very difficult to claim that.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Mar 31, 2017
    • HDFC Ergo Health Insurance
      "Its Good"
      0.5 4.0/5 "Great!"
      My company have provided the Health Insurance with HDFC ERGO, they gave me the medical coverage of Rs. 3 lakhs and its covers my entire family. They are not deducting any amount individually from my salary its a group insurance provided my company to all employees. Long back I got my HDFC medical card.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Mar 27, 2017
    • HDFC Ergo Health Insurance
      "Make better coverage with lesser premium"
      0.5 3.0/5 "Satisfactory"
      I am having health insurance policy with HDFC ergo general insurance company and the premium is around 5000 Rupees to 6000 Rupees for the coverage of 3 lakh Rupees for myself only. Customer service is okay for me, also they are having enough number of networking hospital across the city and I would like to suggest that they can make the better coverage with lesser premium.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 18, 2017
    • HDFC Ergo Health Insurance
      "Good coverage and Good benefits Policy"
      0.5 5.0/5 "Blown Away!"
      I am holding health insurance with HDFC ERGO, I used to make the premium of Rs.545 per month with the tenure of two years, its covers my entire family. I have twice hospitalized HDFC ERGO helped me a lot, first time I was admitted in Devanandhi hospital after getting discharged, I submitted my bills to HDFC ERGO they reimbursed the money. second time I was admitted in Artemis hospital guragon sector 51, I got cash less treatment by HDFC ERGO for six days. I am very much happy to hold this useful medical coverage.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 11, 2017
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