"Spending a whole day looking for insurance is fun," said nobody, EVER!
Loading your search...
Close

We need a little info to line up the best health insurance quotes for you!

  • 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 21 Oct 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
      "Sound Good policy"
      0.5 5.0/5 "Blown Away!"
      I have not faced any challenges to call their customer care service and i have not required it. I have taken this policy in last December. I have made a premium amount of Rs. 10000 and me and myself both has been covered in this policy. This is a super top up policy. Once the coverage is over, i can use the policy with a coverage amount of Rs. 5 lakhs.
      Was this review helpful? 0
      , kolkata
      Reviewed on Oct 15, 2018
    • HDFC Ergo Health Insurance
      "Astonished service provider"
      0.5 5.0/5 "Blown Away!"
      Recent incident with happen to me i have got a cashless treatment at 1o clock. I did not pay a single penny from my pocket. They have given me a coverage amount of Rs. 50 K. Overall, i am satisfied with the policy. If they are providing a offers to the existing customers it would be fine. They have offered me a coverage amount of Rs. 7.5 lakhs.
      Was this review helpful? 0
      , thane
      Reviewed on Oct 15, 2018
    • HDFC Ergo Health Insurance
      "HDFC is worst policy ever"
      0.5 1.0/5 "Really Bad"
      The HDFC Ergo claim process is not good for me. For the claim process, i'm getting many problems. Their customer care service is a scrap. They are saying the procedure is not acceptable. They have asked me to send a documents within 7 days. I felt bad for choosing the HDFC ergo for my health insurance. There is no cashless provided this policy. I'm not happy with the policy.
      Was this review helpful? 0
      , u.t of dadra & nagar haveli
      Reviewed on Oct 15, 2018
    • HDFC Ergo Health Insurance
      "Good medical cover "
      0.5 4.0/5 "Great!"
      Whatever I was expected in the health policy, I got in HDFC Ergo, the insurer gave me the medical policy of Rs. 7.5 lakhs and if I exhaust the cover, the insurance company again provide same coverage value, they have tie up with many clinic and hospitals.
      Was this review helpful? 0
      , kolkata
      Reviewed on Oct 15, 2018
    • HDFC Ergo Health Insurance
      "Best Medical Policy"
      0.5 4.0/5 "Great!"
      I am an existing customer of HDFC bank, they suggested me HDFC Ergo health policy. For the medical coverage value of Rs. 5 lakhs, it covers my entire family of four members. I am not sure about the NCB and other features but they got tie up with reputed hospitals in Chennai.
      Was this review helpful? 0
      , thiruvallur
      Reviewed on Oct 11, 2018
    • HDFC Ergo Health Insurance
      "Average Policy"
      0.5 1.0/5 "Really Bad"
      I have no idea about the cashless hospitalization facility. Before 1.5 years i have purchase the health insurance policy. This is a 3 year tenure period policy. Total amount was 21000 for 3 years. This policy covers for my entire family. My relative has referred this policy.
      Was this review helpful? 0
      , jalna
      Reviewed on Oct 09, 2018
    • HDFC Ergo Health Insurance
      "Good Policy"
      0.5 5.0/5 "Blown Away!"
      Since 2014, i have been renewing the health insurance policy with HDFC Ergo and in this 4 years i never claimed anything. This policy cover my entire family. I used to pay the premium amount of Rs. 6500 and i have got a coverage amount of Rs. 2.50 for entire family of 4 members. They are not covering the pre-existing disease.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 09, 2018
    • HDFC Ergo Health Insurance
      "Very Good policy"
      0.5 4.0/5 "Great!"
      I'm using the HDFC Ergo health insurance policy right now. I paid the premium amount of Rs. 11000 for the coverage amount of Rs. 6 lakhs. I took this policy for myself and my family. For past 1.5 years, i have been renewing the policy. I did not cover any claim experience. They have almost covered 80 hospitals which provides cashless services in Bangalore.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 08, 2018
    • HDFC Ergo Health Insurance
      "Good Provider"
      0.5 5.0/5 "Blown Away!"
      I have HDFC Ergo health policy, they have cash less hospitalization, pre existing disease cover, and also no claim bonus . I have used my policy for heart disease, they gave me good treatment in cash less service and also I got on time service from insurer.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 08, 2018
    • HDFC Ergo Health Insurance
      "Its good for health"
      0.5 4.0/5 "Great!"
      I taken health insurance from HDFC Ergo for my spouse, they are providing good coverage of Rs 4 lakhs, earlier it was Rs. 2 lakhs we have not claimed anything hence the coverage value got increased. They have pre existing disease cover with cash less treatment.
      Was this review helpful? 0
      , aligarh
      Reviewed on Oct 05, 2018
    • HDFC Ergo Health Insurance
      "Its good for health"
      0.5 4.0/5 "Great!"
      My plan covers for myself, I was holding HDFC credit card they offered me HDFC Ergo medical coverage for the value Rs. 2 lakhs initially it was for Rs. 2 lakhs, now they have increased because of no claim bonus Rs. 4 lakhs with the cash less treatment in more 2000 hospital.
      Was this review helpful? 0
      , aligarh
      Reviewed on Oct 05, 2018
    • HDFC Ergo Health Insurance
      "Its Average"
      0.5 3.0/5 "Satisfactory"
      My health insurance plan has cash less treatment and they allocated some amount to do whole body check up. But I am not sure about complete benefits of my medical policy with HDFC Ergo. They didn't contact me. I need to verify but I believe my medical cover value is around 4 lakhs for the yearly premium of Rs.4000.
      Was this review helpful? 0
      , solapur
      Reviewed on Oct 03, 2018
    • HDFC Ergo Health Insurance
      "Its Good"
      0.5 5.0/5 "Blown Away!"
      Through my HDFC saving account, I have activated my health insurance policy with HDFC Ergo hence I am not sure about premium value but I believe its a nominal one. However they gave me Rs. 15 lakhs medical cover for entire family of 5 members. They do have cashless treatment facility.
      Was this review helpful? 0
      , ariyalur
      Reviewed on Oct 01, 2018
    • HDFC Ergo Health Insurance
      "GOOD POLICY"
      0.5 3.0/5 "Satisfactory"
      The reason for purchasing the health insurance policy with HDFC ERGO GENERAL INSURANCE because i am an existing customer of HDFC. Premium i paid 6k approximately where they have provided the medical coverage of 2lakhs for my family. Premium is higher with the lower medical coverage in this policy.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 29, 2018
    • HDFC Ergo Health Insurance
      "GOOD POLICY"
      0.5 5.0/5 "Blown Away!"
      There is no particular reason behind taking the policy with HDFC ERGO GENERAL INSURANCE but i had no claim experience with the policy. Premium i paid 6500k and they have offered the medical coverage is for 2 lakhs for my entire family.
      Was this review helpful? 0
      , kolkata
      Reviewed on Sep 28, 2018
    • HDFC Ergo Health Insurance
      "Average policy"
      0.5 4.0/5 "Great!"
      Because of the high coverage amount i have selected the HDFC Ergo. This is a top up policy. I have no idea about the premium amount. I have spoken with the customer care services and it was fine. I never had any claim experience till date therefore unable to comment on it.
      Was this review helpful? 0
      , jaipur
      Reviewed on Sep 28, 2018
    • HDFC Ergo Health Insurance
      "Better policy"
      0.5 5.0/5 "Blown Away!"
      I have purchased a additional top up policy with HDFC Ergo. This is a policy which covered upto Rs. 10 lakhs. I have contacted the customer care and they have given a proper response and said me about the hospitals list. They are offering a cashless facility.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 28, 2018
    • HDFC Ergo Health Insurance
      "AVERAGE"
      0.5 3.5/5 "Pretty good"
      The reason for purchasing the health insurance policy with HDFC ERGO GENERAL INSURANCE because my friend suggested this policy. I am not aware of the premium but the medical coverage is for 2lakhs which gives the coverage for self.
      Was this review helpful? 0
      , chidambaram
      Reviewed on Sep 28, 2018
    • HDFC Ergo Health Insurance
      "BEST POLICY"
      0.5 5.0/5 "Blown Away!"
      I had been using the health insurance policy with HDFC ERGO GENERAL INSURANCE and i have been using it from few months. I had no claim experience with this policy and the medical coverage they provided is for 2lakhs for self. I had no claim experience with this policy.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 28, 2018
    • HDFC Ergo Health Insurance
      "GOOD POLICY"
      0.5 5.0/5 "Blown Away!"
      The reason for purchasing the health insurance policy with HDFC ERGO GENERAL INSURANCE is because my friend suggested. I had a no claim and the settlement is good and the premium i paid 3k and above. Medical coverage is for 1.5lakhs which gives the coverage for self.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 28, 2018
    Common Loader Icon