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  • HDFC ERGO Health Insurance

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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.

    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 19 Oct 2017

    Features Specifications
    Network Hospitals 4800+
    Waiting Period for Pre-existing Disease 4 years
    Incurred Claims Ratio 51.00%
    Number of Policies Issued 456525
    Grievances Solved 99.45%
    Renewability Lifetime

    *For Year 2015-2016

    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 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.

    Benefits of Buying Health Insurance from HDFC ERGO Health Insurance

    From individual and group mediclaim policies to critical illness cover and top-up plans, HDFC ERGO Health Insurance offers a wide range of health insurance products to meet the varying needs of its customers. The benefits of purchasing a health insurance policy from HDFC ERGO Health Insurance include:

    • Insured members can avail cashless hospitalisation at over 6,000 network hospitals across the country.
    • The health insurance policies offered by HDFC ERGO come with an enhanced No-Claim Bonus.
    • The insurer also offers flexible payment options.
    • HDFC ERGO Health Insurance plans cover hospitalisation due to accidents or illnesses, pre and post-hospitalisation expenses, day-care procedures, domiciliary treatment, etc.
    • Tax deduction on premium paid towards a health insurance policy under 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.
    • 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.

    Find cashless network hospitals nearby: HDFC ERGO Cashless Network Hospitals

    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.


    27. 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.

    28. 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.
    29. 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.

    30. 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.
    31. 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.

    32. 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.

    33. 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.

    34. 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.

    35. 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.

    36. 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.

    37. 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.

    38. What does HDFC ERGO Health Insurance cover?
      • In-patient treatments
      • Pre and post hospitalization charges
      • Day-care procedures
      • Domiciliary treatments
    39. 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.
    40. 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.

    41. 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.

    42. 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 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.

      10th 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.

      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

    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 41 1 2 3 4 5
    • HDFC Ergo Health Insurance
      "Excellent service"
      0.5 4.5/5 "Excellent!"
      I have taken a health insurance with HDFC ERGO, it was a great experience I had with HDFC ERGO. I have taken it through my credit card so they don't need any documents for the process and I pay my payments through online I would say the service of HDFC ergo is excellent for my health insurance service.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 16, 2017
    • HDFC Ergo Health Insurance
      "Overall good"
      0.5 4.0/5 "Great!"
      The payment options has always been very convenient with HDFC. I have taken a health insurance from HDFC Ergo. The policy is for my family and I. The premium is economical and I pay it on a yearly basis. The coverage is for two lakhs. Fortunately there are no claims till date.
      Was this review helpful? 0
      , jaipur
      Reviewed on Oct 15, 2017
    • HDFC Ergo Health Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I have taken a health insurance policy with HDFC Ergo General Insurance 2 years back. I am paying Rs 9,800 for 2years as a premium. The payment done through net banking. I am satisfied with the customer service and the policy benefits. Overall Good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 12, 2017
    • HDFC Ergo Health Insurance
      "Good policy to use"
      0.5 5.0/5 "Blown Away!"
      I never had any claim experience with HDFC ergo health insurance policy. I hold the Health insurance for past 2years. This policy covers only 1memeber which is myself. This policy has the coverage up to 10lakhs. The cashless treatment option is available ,
      Was this review helpful? 0
      , nagpur
      Reviewed on Oct 10, 2017
    • HDFC Ergo Health Insurance
      "Very Good"
      0.5 4.0/5 "Great!"
      I am having the health insurance policy with the HDFC ergo general insurance company and the response is good one for me. Plan benefits are good one with the HDFC ergo general insurance company.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 07, 2017
    • HDFC Ergo Health Insurance
      "Services are good"
      0.5 5.0/5 "Blown Away!"
      HDFC Ergo is good in the customer services as they send me the reminders for my payment on time much before the due date. The premiums can be paid online as well. I have taken a health insurance and the coverage is of one lakh. Fortunately there is no claim experience.
      Was this review helpful? 0
      , aurangabad
      Reviewed on Oct 03, 2017
    • HDFC Ergo Health Insurance
      "Good protection for health"
      0.5 4.0/5 "Great!"
      Earlier I had health insurance from HDFC Ergo, I paid the amount of Rs.4800 it has the tenure of one year. They gave me the medical cover of Rs. 3 lakhs . Plan was good there was cash less treatment facility also available with them, they tie up with good reputed hospital.
      Was this review helpful? 0
      , nelamangala
      Reviewed on Oct 03, 2017
    • HDFC Ergo Health Insurance
      "Best"
      0.5 5.0/5 "Blown Away!"
      I have personal health insurance policy from the HDFC ERGO general insurance company. Coverage value is up to three lakh Rupees and the response is good, also their customer service too. I have not faced any claims with them till now.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 03, 2017
    • HDFC Ergo Health Insurance
      "Good policy to hold"
      0.5 4.0/5 "Great!"
      I have this HDFC ERGO health insurance policy. I pay Rs. 7000 for 2 years once. Their customer service is very good. When compared to the other HDFC products which I use I like this product very much. The coverage for this HDFC ERGO policy is 3 lakhs. This is a very good health insurance policy to hold.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 28, 2017
    • HDFC Ergo Health Insurance
      "good service"
      0.5 3.0/5 "Satisfactory"
      It was a very good service from HDFC ,representatives where very helpful during my insurance process . I had only one interaction with them but I was very comfortable with their service ,I feel they don't update me regarding any new offers still their service is good from HDFC.
      Was this review helpful? 0
      , hubli
      Reviewed on Sep 28, 2017
    • HDFC Ergo Health Insurance
      "Good services"
      0.5 5.0/5 "Blown Away!"
      I have taken a health insurance with HDFC Ergo. The customer support is good as I had no issues toy have offered me a good medical coverage. The premiums are paid on a yearly basis. There are good benefits in the policy and fortunately I have no used it yet.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 27, 2017
    • HDFC Ergo Health Insurance
      "Good Health Policy"
      0.5 4.0/5 "Great!"
      The Premium amount is Rs.28,000, I have converted it to EMI option and every month I pay Rs.2000. Holding a health insurance policy with HDFC ergo for past 2years. This policy covers my parents. This policy has the coverage 6lakh coverage. I am satisfied having this policy, but I never had any claim experience with this policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 27, 2017
    • HDFC Ergo Health Insurance
      "Better Policy to use"
      0.5 4.0/5 "Great!"
      Got a HDFC ERGO health insurance policy which is given by my company, which covers only 1 member that is myself. I never had any claim experience with this policy. I hold this policy more than a year. The customer service is good with HDFC ERGO.My company will renew the policy every year. This policy covers up to 1laksh per year. The cashless treatment option is available with this policy.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 27, 2017
    • HDFC Ergo Health Insurance
      "Good Policy to use"
      0.5 3.0/5 "Satisfactory"
      Bought a HDFC ergo health insurance policy for past 2years. I paid Rs,14,000 to renew the policy this year. This policy covers only 2 members, which is myself and my spouse. I am happy and satisfied having the Heath insurance policy with HDFC ERGO.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 27, 2017
    • HDFC Ergo Health Insurance
      "Health insurance"
      0.5 1.0/5 "Really Bad"
      None body responded properly they asked me to contact them for the claim initially. Later when i approached them they confirmed that day care is not covered and they simply refused the claim. Therefore i had closed the health insurance. The premium charged was low which is rs 500 which covers everything and its kind of misleading information provided by them.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 26, 2017
    • HDFC Ergo Health Insurance
      "Worst Experience"
      0.5 1.0/5 "Really Bad"
      On 2016 I registered for the cashless treatment for my daughter at the time they rejected based on preexisting disease. She was admitted around one month in hospital, every day I paid RS. 25000. However I am making the premium of Rs. 17,000 for the tenure of one year. Its cover me ,wife, and daughter. They gave me medical coverage 3 lakhs but there was no use.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Sep 26, 2017
    • HDFC Ergo Health Insurance
      "Nice process"
      0.5 4.0/5 "Great!"
      I have taken a accidental coverage and health insurance from HDFC Ergo. The process to get my policy is good and it was simple as well. They have offered me a good medical coverage. The premiums are affordable and there are no issues overall and satisfactory.
      Was this review helpful? 0
      , kolkata
      Reviewed on Sep 26, 2017
    • HDFC Ergo Health Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I have got the Health Insurance with HDFC ergo for past 6months . The service is very good with HDFC ergo. I paid Rs.5600 to get this policy, The medical coverage limit is up to 3lakh is available with this policy. The cashless treatment option is available with this policy. But this policy covers only 1 member that is myself.
      Was this review helpful? 0
      , kottayam
      Reviewed on Sep 21, 2017
    • HDFC Ergo Health Insurance
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      Service was good from them from the date I applied for my insurance ,representatives were very helpful during the insurance process . I have to pay 4000 per year ,also they have given many offers from major hospitals also cash offers ,overall service was very good from HDFC for my health insurance process .
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 12, 2017
    • HDFC Ergo Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      Good service from HDFC for my health insurance till the date I applied for my insurance ,I got the insurance offers from HDFC when I have applied for my car loan .From the date I applied it was very helpful from the representatives of HDFC during my insurance process ,so overall everything was fine from HDFC health insurance .
      Was this review helpful? 0
      , coimbatore
      Reviewed on Sep 07, 2017
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