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  • HDFC ERGO Health Insurance

    Health Insurance
    • Premiums as low as Rs12/day for coverage of Rs.4 Lakhs*
    • 10,000+ hospitals for cashless treatment
    • Claim up to Rs. 55,000 deduction under section 80D**

    HDFC ERGO Health Insurance is a popular and well-reputed insurance firm that provides good quality and a wide range of health insurance products. HDFC ERGO General Insurance Company Limited is a joint venture between HDFC Ltd. and ERGO International AG.

    HDFC Ergo Health Insurance HighlightsUpdated on 17 Aug 2018

    Factor Details
    Health insurance plans 7 different health insurance plans available
    E-services offered Buy policy, Renew policy and Track claim
    Renewability Lifetime renewability
    Entry age No restrictions
    Branch offices 108 branches
    Network hospitals 6,000 hospitals

    Features & Benefits of HDFC ERGO Health Insurance

    • 24/7 customer support team: HDFC ERGO has a well-equipped customer support team that handles everything from claims, purchases, and renewals on 24/7 basis in a speedy and efficient manner.
    • Faster claim settlement: Claims are settled in a hassle-free and speedy manner to help customers have faster access to cashless claim services and make the reimbursement claim process more customer-friendly.

    Plans provided by HDFC ERGO Health Insurance

    Plan Name Plan Basis(individual, family, etc) Sum Insured (Min and Max) Policy Term
    Health Suraksha Individual and Family Min: Rs.3 lakh Max: Rs.10 lakh 1 or 2
    Health Suraksha with Regain and ECB Individual and Family Min: Rs.3 lakh Max: Rs.10 lakh 1 or 2
    Health Suraksha Gold Individual and Family Min: Rs.3 lakh Max: Rs.10 lakh 1 or 2
    Health Suraksha Gold with Regain and ECB Individual and Family Min: Rs.3 lakh Max: Rs.10 lakh 1 or 2
    Critical Illness Silver Individual and Family Min: Rs.2.5 lakh Max: Rs.10 lakh 1 or 2
    Critical Illness Platinum Individual and Family Min:Rs.2 lakh Max: Rs.10 lakh 1 or 2

     

    Health Suraksha

    The Health Suraksha insurance plan provides good coverage with a wide range of benefits such as cumulative bonus, room rent, in-patient treatments, etc.

    Unique Features of Health Suraksha

    • Tax benefit applicable under Section 80D of the Income Tax Act
    • Affordable premiums, cumulative bonus
    • Free health check-up after completing 4 claim-free years
    • Cashless claim network
    • Coverage for inpatient treatment, pre, and post hospitalization expenses, day care, domiciliary costs, ambulance, alternative treatments

    Plan Details

    Policy term 1 or 2
    Entry Age From 91 days. No maximum age limit.
    Plan Basis Individual and Family
    Sum Insured Range Min:Rs.3 lakh Max:Rs.10 lakh
    Premium Depends on age, sum insured, etc
    Medical Screening Must after 45 years
    Co-Payment 10% or 20%
    Waiting Period 30 days for general coverage, 48 months for pre-existing diseases
    No Claim Bonus Yes
    Discounts Cumulative bonus

    Health Suraksha with Regain and ECB

    The Health Suraksha with Regain and ECB plan has the same features as the Health Suraksha plan but comes with the Enhanced Cumulative Bonus option and top up of sum insured after exhaustion.

    Unique Features of Health Suraksha with Regain and ECB

    • Tax benefit applicable under Section 80D of the Income Tax Act
    • Affordable premiums, cumulative bonus
    • 10% Enhanced Cumulative Bonus for each claim free year and up to 100% of sum insured
    • Regain benefit for sum insured
    • Free health check-up after completing 4 claim-free years
    • Cashless claim network
    • Coverage for inpatient treatment, pre, and post hospitalization expenses, day care, domiciliary costs, ambulance, alternative treatments

    Plan Details

    Policy term 1 or 2
    Entry Age From 91 days. No maximum age limit.
    Plan Basis Individual and Family
    Sum Insured Range Min:Rs.3 lakh Max:Rs.10 lakh
    Premium Depends on age, sum insured, etc
    Medical Screening Must after 45 years
    Co-Payment 10% or 20%
    Waiting Period 30 days for general coverage, 48 months for pre-existing diseases
    No Claim Bonus Yes
    Discounts Enhanced Cumulative bonus

    Health Suraksha Gold

    The Health Suraksha Gold plan is a comprehensive health insurance policy that provides good coverage at affordable rates.

    Unique Features of Health Suraksha Gold

    • Cashless claim network, tax benefit or lifelong renewal option
    • Coverage for alternative treatments
    • Maternity cover
    • Convalescence benefit, critical illness expert e-opinion
    • Coverage for inpatient treatment, pre, and post hospitalization expenses, day care, domiciliary costs, ambulance, alternative treatments
    • Cumulative bonus, health check-up

    Plan Details

    Policy term 1 or 2
    Entry Age From 91 days. No maximum age limit.
    Plan Basis Individual and Family
    Sum Insured Range Min:Rs.3 lakh Max:Rs.10 lakh
    Premium Depends on age, sum insured, etc
    Medical Screening Must after 45 years
    Co-Payment 10% or 20%
    Waiting Period 30 days for general coverage, 48 months for pre-existing diseases
    No Claim Bonus Yes
    Discounts Cumulative bonus, family discount of 10%, 10% discount for 2-year policy

    Health Suraksha Gold with Regain and ECB

    The Health Suraksha Gold with Regain and ECB is an enhanced plan with similar features as the Health Suraksha Gold plan except it comes with regain and ECB benefit.

    Unique Features of Health Suraksha Gold with Regain and ECB

    • Tax benefit applicable under Section 80D of the Income Tax Act
    • Affordable premiums, cumulative bonus
    • 10% Enhanced Cumulative Bonus for each claim free year and up to 100% of sum insured
    • Free health check-up after completing 4 claim-free years
    • Regain benefit for sum insured
    • Cashless claim network
    • Coverage for inpatient treatment, pre, and post hospitalization expenses, day care, domiciliary costs, ambulance, alternative treatments

    Plan Details

    Policy term 1 or 2
    Entry Age From 91 days. No maximum age limit.
    Plan Basis Individual and Family
    Sum Insured Range Min:Rs.3 lakh Max:Rs.10 lakh
    Premium Depends on age, sum insured, etc
    Medical Screening Must after 45 years
    Co-Payment 10% or 20%
    Waiting Period 30 days for general coverage, 48 months for pre-existing diseases
    No Claim Bonus Yes
    Discounts Cumulative bonus, family discount of 10%, 10% discount for 2-year policy

    Critical Illness Silver

    The Critical Illness Silver plan provides good coverage for specific illnesses to both individuals and families.

    Unique Features of Critical Illness Silver

    • Tax benefit applicable
    • Coverage for health care treatments, recuperation aids, debt repayment, provision of funds
    • Provides coverage to 8 specific illnesses. For details on the illnesses log on to their website

    Plan Details

    Policy term 1 or 2
    Entry Age 5 to 45 years
    Plan Basis Individual and Family
    Sum Insured Range Min:Rs.2.5 lakh Max:Rs.10 lakh
    Premium Depends on age, sum insured, etc
    Medical Screening Must after 45 years of age
    Co-Payment As mentioned in the policy document
    Waiting Period 90 days
    No Claim Bonus Yes

    Critical Illness Platinum

    The Critical Illness Platinum plan provides comprehensive coverage for as many as 15 specified illnesses.

    Unique Features of Critical Illness Platinum

    • Tax benefit applicable
    • Coverage for health care treatments, recuperation aids, debt repayment, provision of funds
    • Provides coverage to 15 specific illnesses. For details on the illnesses log on to their website

    Plan Details

    Policy term 1 or 2
    Entry Age 5 to 65 years
    Plan Basis Individual and Family
    Sum Insured Range Min:Rs.2 lakh Max: Rs.10 lakh
    Premium As mentioned in the policy document
    Medical Screening Must for those above 45
    Co-Payment As mentioned in the policy document
    Waiting Period 90 days
    No Claim Bonus Yes

    Checklist before Buying HDFC ERGO Health Insurance

    • Finalize on coverage amount as per health needs
    • Finalize on premium paying frequency
    • Decide on the add-ons needed
    • Choose a plan wisely as per individual or family needs
    • Check the claim settlement ratio

    Documents Required for Purchasing HDFC ERGO Health Insurance

    • Id proof
    • Address proof
    • Medical certificates, if any

    Reasons to choose HDFC ERGO Health Insurance

    Affordable premiums
    Easy purchase and renewal
    Online transactions

    Incurred Claim Ratio of HDFC ERGO

    The incurred claim ratio refers to the total number of claims that are settled by the insurance company in a particular year. This number is usually calculated using a formula and is given out as a percentage.

    Year Incurred Claim Ratio
    2016-17 50.76%

    Extra Benefits from HDFC ERGO

    Grievance Redressal All complaints and grievances of customers are addressed through the grievance redressal mechanism
    Customer Delight This provides policyholders unique access to beauty spas and other health services

    HDFC ERGO Renewal

    To renew an HDFC ERGO health insurance policy, log on to their website and click on the ‘Instant Renewal’ option. Once this is done, key in the policy number and proceed to make payment.

    HDFC ERGO Renewal Network Hospitals for Cashless Treatment

    HDFC ERGO has a wide network of pan-India network hospitals where customers can avail direct health care services. To locate the nearest empanelled hospital, log on to the website.

    Claim Procedure in HDFC ERGO Renewal

    Cashless claim:

    • Inform the insurance provider immediately
    • Seek prior approval, provide health card
    • Bills will be paid by the insurance company directly to the network hospital

    Reimbursement claim:

    • Fill claim form
    • Bills, invoices, and discharge summary should be kept ready
    • Submit the relevant documents along with the claim form
    • Reimbursements will be made within 7 working days

    Terms and Conditions of the Insurer

    • The insurance provider has the right to withdraw the policy at any point of time if any information provided by the policyholder is untrue, misrepresented or concealed.
    • Incomplete claim forms will not be processed
    • All claim should be made within the stipulated time period mentioned in the policy
    • Claims cannot be made for any exclusions

    HDFC ERGO Health Insurance Reviews

    • HDFC Ergo Health Insurance
      "Good one"
      0.5 5.0/5 "Blown Away!"
      I have taken the health insurance policy for me alone. They are providing the cashless transaction. They are providing the claim amount of Rs. 3.5 lakhs. I have paid the premium amount of Rs, 15000. I don't have any claim experience so far. I don't have any problems with the policy.
      Was this review helpful? 0
      , mancherial
      Reviewed on Aug 17, 2018
    • HDFC Ergo Health Insurance
      "USER FRIENDLY"
      0.5 3.0/5 "Satisfactory"
      I have used my health insurance policy from HDFC ERGO GENERAL INSURANCE for past 1 year it is not satisfactory to me the reason is that they should improve on their customer service. This policy gifted by my friend so i have taken this insurance policy in this i can claim upto 1.5crores but i pay 10-12k per year.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 16, 2018
    • HDFC Ergo Health Insurance
      "Best offers are provided by HDFC Ergo"
      0.5 4.0/5 "Great!"
      I have purchased this health insurance policy in the year of 2012 and I'm still continuing with HDFC Ergo. I have taken this policy for my family. When i taken the policy i have paid Rs. 6000 approximately. Since i don't have any claim experience they are giving bonus and discounts, they are charging Rs. 3800 as premium amount this year. They are providing the cashless treatments also.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 14, 2018
    • HDFC Ergo Health Insurance
      "Very Good policy"
      0.5 5.0/5 "Blown Away!"
      I have purchased this health insurance policy for continuous 5 year. In these 5 years, i never had any claim experience so far. I used to pay the premium of Rs. 30000 annually. I had taken this policy for my family. I can use the policy benefits maximum amount of Rs. 6 lakhs.
      Was this review helpful? 0
      , gwalior
      Reviewed on Aug 09, 2018
    • HDFC Ergo Health Insurance
      "Good policy"
      0.5 3.0/5 "Satisfactory"
      I never checked about the claim amount and the hospital list provided by this policy. I have paid premium amount of Rs. 10000. Around six months back, i have chosen this policy. I have never called the customer care service so far because i have not got any chance to claim this policy.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 02, 2018
    • HDFC Ergo Health Insurance
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      My health insurance is with HDFC Ergo. The customer services are good. I have taken a family floater. The medical coverage is good. It is for two lakhs. There are benefits of cashless hospitalization. The premium is also normal. The process to buy the policy was easy.
      Was this review helpful? 1
      , chandigarh
      Reviewed on Jul 31, 2018
    • HDFC Ergo Health Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I have made an health insurance from the HDFC ERGO GENERAL INSURANCE and i have been using it from few months ago. I had no claim experience so far. The policy coverage is for the 2lakhs and it covers the critical illness and also the diseases. It is a good experience.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 24, 2018
    • HDFC Ergo Health Insurance
      "BETTER"
      0.5 4.0/5 "Great!"
      HDFC ERGO GENERAL INSURANCE is the insurance provider that where i am using my health insurance. I have done the documentation through the on line where it is easy process. The policy coverage is for the 5lakhs and it completely covers my family.
      Was this review helpful? 0
      , surat
      Reviewed on Jul 24, 2018
    • HDFC Ergo Health Insurance
      "BETTER"
      0.5 4.0/5 "Great!"
      I have taken my health insurance policy from the HDFC ERGO GENERAL INSURANCE i have taken it before few months. The documentation process is very good. There was no claiming experience. I can avail up to 10lakhs. There provide coverage for disease and illness too.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 24, 2018
    • HDFC Ergo Health Insurance
      "BEST"
      0.5 4.0/5 "Great!"
      I have applied my health insurance from the HDFC ERGO GENERAL INSURANCE the policy coverage is for the 5 lakhs and the premium i pay for yearly once but i had no claim experience so far with my policy. There is a disease coverage and also the illness coverage.
      Was this review helpful? 0
      , tirupur
      Reviewed on Jul 22, 2018
    • HDFC Ergo Health Insurance
      "Good overall"
      0.5 4.0/5 "Great!"
      My health insurance is with HDFC Ergo and the benefits they have provided is overall good. It is a individual policy and the premium is nominal. They have offered me a good policy coverage as well. There is also a accidental coverage added in this policy.
      Was this review helpful? 0
      , delhi
      Reviewed on Jul 22, 2018
    • HDFC Ergo Health Insurance
      "Need to have more net work of hospitals"
      0.5 2.0/5 "Expected more"
      I had been using the services of HDFC Ergo for the health insurance. I have had couple of claims as well. But the network of hospitals are not much with this insurer. They have a tie up only with 11 to 20 hospitals at Aurangabad. I am unable to use the cash less facility because of this and I need to pay upfront and get a reimbursement done. Though I am getting the full amount spent the process is very long, it taken 20 to 21 days. The services are good, but they need to work on the net work of hospitals.
      Was this review helpful? 0
      , aurangabad
      Reviewed on Jul 20, 2018
    • HDFC Ergo Health Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have been using my health insurance from the HDFC ERGO GENERAL INSURANCE since last 2 years the premium i pay for yearly once and the medical coverage i would be getting 3lakhs and 50thousand rupees i gets. Premium is lower and the coverage is good so i took this insurance.
      Was this review helpful? 0
      , gorakhpur
      Reviewed on Jul 17, 2018
    • HDFC Ergo Health Insurance
      "BEST"
      0.5 4.0/5 "Great!"
      As i am holding my health insurance from the HDFC. I have been using since 4 years the documents i have done it through the on line. The tenuity period of my insurance is 40 years and it is a long term policy. The premium i pay through the on line the sum amount i get 1 crore.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 09, 2018
    • HDFC Ergo Health Insurance
      "Overall good experience"
      0.5 4.0/5 "Great!"
      My health insurance is with HDFC Ergo. It is a corporate policy. The customer services are good. I had a claim experience and I had to pay upfront. The process took two months for the reimbursement. I received 80% of my claim. The medical coverage is good and the coverage is for my family and I. There are medical cards too.
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 07, 2018
    • HDFC Ergo Health Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I am using my health insurance since 2 years. I had a claim 2 time and it is very good and excellent. I have claimed for the operation and also once for the illness. One i had a cashless treatment and again i paid first and they refunded me. The health checkup is not there.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jul 04, 2018
    • HDFC Ergo Health Insurance
      "AVERAGE"
      0.5 3.0/5 "Satisfactory"
      I am using my health insurance since last 6 months. I have no claim experience so far with my insurance. Premium is high when compared to others. Disease coverage is there and there is a free health checkup is there This is for my entire family.
      Was this review helpful? 0
      , anand
      Reviewed on Jul 03, 2018
    • HDFC Ergo Health Insurance
      "Overall good"
      0.5 4.0/5 "Great!"
      My experience with HDFC Ergo is overall good. I have taken a top up for my health insurance. It is a Medisure - Super TopUp plan. The process was easy. I have a medical coverage of seven lakhs. The premium is of 3115 which has to be renewed on a yearly basis.
      Was this review helpful? 0
      , secunderabad
      Reviewed on Jun 13, 2018
    • HDFC Ergo Health Insurance
      "Nice experience"
      0.5 4.0/5 "Great!"
      The experience at HDFC Ergo was overall good. I had no hassles. I was able to buy the health insurance policy with ease and the procedures was also normal. The medical coverage is for two lakhs. The premium is also normal and in all it has been a good experience and the benefits are good.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 13, 2018
    • HDFC Ergo Health Insurance
      "Satisfactory"
      0.5 4.0/5 "Great!"
      I have taken my health insurance with HDFC Ergo. The customer support is good. There are no hassles in the overall experience. There are no issues to get the policy. It was a smooth process. The premium is normal. The medical coverage is for two lakhs.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 13, 2018
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