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    HDFC ERGO Health Insurance

    Car Insurance
    • Premiums as low as Rs10/day for coverage of Rs.5 Lakhs
    • 10,000+ hospitals for cashless treatment
    • Get plans with no limit on room rent

    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.

    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
      "Very good"
      0.5 5.0/5 "Blown Away!"
      I have taken a health insurance policy from Hdfc Ergo. My total premium is around Rs. 8,764 and sum assured to me is Rs. 3,00,000. I am completely satisfied with the policy I have no issues, the processing was done on time, and they provided good service, I have not claim till now. I would recommend this policy to others.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 21, 2018
    • HDFC Ergo Health Insurance
      "Good"
      0.5 4.5/5 "Excellent!"
      I have taken a health insurance policy from Hdfc Ergo. My total premium was around Rs. 9,526 and sum assured to me was around Rs. 4,00,000. The policy is good I am satisfied with the policy. The processing was done on time I did not face any kind of difficulty, I would surely recommend this policy to others.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Feb 21, 2018
    • HDFC Ergo Health Insurance
      "a nice experience"
      0.5 4.0/5 "Great!"
      I had applied and got a Health insurance policy from a private sector company HDFC ERGO GENERAL INSURANCE. I did not have any claim experience so i cant able to comment on it. The premium which is affordable by comparing to other polices. The customer support is good and well responsive.
      Was this review helpful? 0
      , vadodara
      Reviewed on Feb 20, 2018
    • HDFC Ergo Health Insurance
      "A good experience"
      0.5 4.0/5 "Great!"
      I had applied and got a Health insurance policy from a private sector company HDFC ERGO GENERAL INSURANCE. I did not have any claim experience so i cant able to comment on it. The premium is Rs. 4,283 which is affordable by comparing to other polices. The customer support is good and well responsive.
      Was this review helpful? 0
      , alwar
      Reviewed on Feb 20, 2018
    • HDFC Ergo Health Insurance
      "Average"
      0.5 3.0/5 "Satisfactory"
      I have taken a health insurance policy from Hdfc ergo. The policy is good my premium is around Rs. 6,709 and sum assured to me is Rs. 2,00,000. I did not face any difficulty at the time of processing, I received the policy only my hard copy got delayed I had to wait for few days.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 16, 2018
    • HDFC Ergo Health Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I have taken a Health Insurance policy from Hdfc Ergo. I did not had any necessity till now to use the medical facilities, however the policy is good and satisfactory. I have been guided to take this policy, my total premium is around Rs. 7,571 and sum assured to me is around Rs. 3,00,000.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 14, 2018
    • HDFC Ergo Health Insurance
      "A good top plan"
      0.5 4.0/5 "Great!"
      I had applied and got the health insurance policy in HDFC ERGO GENERAL INSURANCE. Its one of the good and top plan insurances. I did not contact the customer care still now, so i cant able to comment on it. Totally it is one of the good top plan in HDFC ERGO.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 13, 2018
    • HDFC Ergo Health Insurance
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance police from Hdfc Ergo. I would like to say I am totally satisfied with the policy and their medical coverage. My Total premium is around Rs. 5,757 and sum assured to me is around Rs. 3,00,000. Overall a good policy. I already recommended my friends too.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 02, 2018
    • HDFC Ergo Health Insurance
      "Very good"
      0.5 5.0/5 "Blown Away!"
      I have taken a health insurance policy from Hdfc Ergo. I am very satisfied with the policy. My total premium is around rs. 3,683 and the sum assured to me is around Rs. 3,00,000. Overall they provided good customer service as well, so I would rate them 5 out of 5.
      Was this review helpful? 0
      , halol
      Reviewed on Feb 02, 2018
    • HDFC Ergo Health Insurance
      "Satisfied with the features"
      0.5 5.0/5 "Blown Away!"
      I also use the services of HDFC Ergo for the health insurance. I have a coverage of three lakhs. The customer services are good. Fortunately I have not used the policy yet. There are cashless hospitalization facilities and a good network of hospitals.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Feb 02, 2018
    • HDFC Ergo Health Insurance
      "Overall good"
      0.5 4.0/5 "Great!"
      My health insurance is with HDFC Ergo. The plan I have is my:health Medisure - Super TopUp - Health Insurance Top Up. The medical coverage is for 11 Lakhs. There are the normal features of cash back and a good net work of hospitals. There is also a no claim bonus. Not sure of the detailed benefits.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 02, 2018
    • HDFC Ergo Health Insurance
      "Satisfied with the services"
      0.5 5.0/5 "Blown Away!"
      I have taken my health insurance from HDFC Ergo. It is a top up policy. The plan is my health Medisure - Super TopUp - Health Insurance Top Up. The medical coverage is for seven lakhs. There are a good net work of hospitals and there is a cash less facility as well.
      Was this review helpful? 0
      , nellore
      Reviewed on Feb 02, 2018
    • HDFC Ergo Health Insurance
      "Good features"
      0.5 3.5/5 "Pretty good"
      I have taken my health insurance with HDFC Ergo. The customer services was good and so was the process. This is a top up plan I have taken, it has a coverage of ten lakhs. The main factor I considered taking this policy is for the cashless hospitalization. Because in time of need there should not be any hassles. The plan I have is a my:health Medisure - Super TopUp - Health Insurance Top Up.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Feb 01, 2018
    • HDFC Ergo Health Insurance
      "Satisfied with the services"
      0.5 3.5/5 "Pretty good"
      HDFC Ergo has a good medical coverage of three lakhs. It is a medisure classic plan. The customer support was good. The process was easy and I also received the paper work on time. There is a cashless facility and also a no claim bonus. The premium is also economical for the health insurance.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 01, 2018
    • HDFC Ergo Health Insurance
      "Good experience"
      0.5 3.5/5 "Pretty good"
      Medisure - Classic is the plan I have taken for the health insurance. The customer services are good. I got the policy documents on time. HDFC Ergo has offered me three lakhs as medical coverage for this health insurance. It is a normal policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 01, 2018
    • HDFC Ergo Health Insurance
      "Good Top Up Plan"
      0.5 4.0/5 "Great!"
      HDFC Ergo has a good brand name and I wanted to take a top up cover because I already have a National insurance health policy. HDFC Ergo is providing good medical cover of Rs. 8 lakhs for the premium which I paid was Rs.4000. Plan name called My health Medisure - Super top up . They are providing cashless hospital, pre existing disease cover.
      Was this review helpful? 0
      , thane
      Reviewed on Feb 01, 2018
    • HDFC Ergo Health Insurance
      "Average"
      0.5 3.0/5 "Satisfactory"
      I have taken a health insurance policy from Hdfc ergo. I would like to say the policy is fine just like any other policy. I have given importance to brand value, because I want to continue the same in coming future and only the brand value can give me assurance about my future plans.
      Was this review helpful? 0
      , ranchi
      Reviewed on Jan 30, 2018
    • HDFC Ergo Health Insurance
      "Good "
      0.5 4.0/5 "Great!"
      I have taken a health insurance policy policy from Hdfc ergo. My total premium is around Rs. 4,283 and sum assured to me is around Rs. 20,00,000. I am not looking forward to using this policy but due to security point reasons I have chosen. It's good policy so far and I am totally satisfied.
      Was this review helpful? 0
      , calicut
      Reviewed on Jan 30, 2018
    • HDFC Ergo Health Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I have taken a health insurance policy from Hdfc ergo. I am happy with the policy and their customer service. My total premium is around Rs. 2,596 and sum assured to me is around Rs. 7,00,000. I have recommended this policy to my friends as well.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 30, 2018
    • HDFC Ergo Health Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      I have taken a health insurance policy from Hdfc ergo. It's a good policy based on the premium I am paying, my total premium is around Rs. 8,764 and sum assured to me is Rs. 3,00,000. I have not used so really can't comment on their services. It's good.!
      Was this review helpful? 0
      , rewari
      Reviewed on Jan 30, 2018
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