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    HDFC ERGO Health Insurance

    Car 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.

    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"
      0.5 5.0/5 "Blown Away!"
      My experience is good with my health insurance where i am holding is HDFC ERGO GENERAL INSURANCE. I have no claim experience so far. I have the disease coverage too in my insurance. I had no interaction with the customer service from the health insurance. If suppose in future if i have to go for the claim in my insurance i have no idea regarding that.
      Was this review helpful? 0
      , navsari
      Reviewed on May 26, 2018
    • HDFC Ergo Health Insurance
      "Top up plan is good in HDFC"
      0.5 5.0/5 "Blown Away!"
      I have taken this policy in January. It is a top up plan for health insurance from HDFC Health Insurance. I have not claimed in HDFC. I have been paying the addition top up Rs. 1500 per year. I can claim upto Rs. 7 Lakhs. This is my recommendable policy to others.
      Was this review helpful? 0
      , tirupur
      Reviewed on May 18, 2018
    • HDFC Ergo Health Insurance
      "The best"
      0.5 4.0/5 "Great!"
      I have taken this health insurance policy in 2011. Its almost i have been using this for 7 years. I don't have claim experience for so far. I'm paying this Rs.16000 for my whole family for the claim of Rs. 3 Lakhs. Whenever i have queries their customer service used to clear very nicely.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 17, 2018
    • HDFC Ergo Health Insurance
      "Just Fine with HDFC Ergo"
      0.5 4.0/5 "Great!"
      The HDFC is giving better offers. The premium amount is less compared to others. The Claim amount is good. The HDFC Ergo has tie up with Posh Hospital. It is like a top up plan. They are simply increase the amount and decrease the installment amount. There is no pr- existing disease cover.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 17, 2018
    • HDFC Ergo Health Insurance
      "Everyboiy should take Health Insurance"
      0.5 4.0/5 "Great!"
      Since I have a Credit card with HDFC, They used to treated me as platinum customer and provided me exclusive Health Insurance policy . I never compared with this policy with any other companies. They have given a health insurance as offer. I can spend upto Rs. 6 lakhs. I have to pay the minimum premium of Rs. 4 K.
      Was this review helpful? 0
      , chandigarh
      Reviewed on May 16, 2018
    • HDFC Ergo Health Insurance
      "BEST"
      0.5 3.0/5 "Satisfactory"
      My overall experience that till now i have gone through with the HDFC ERGO GENERAL INSURANCE. The thing is that i will be getting the claim if i have been admitted in hospital for more than 24 hours then i can be able to claim it. I have done my documentation through on line.
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 15, 2018
    • HDFC Ergo Health Insurance
      "Good Policy"
      0.5 3.0/5 "Satisfactory"
      The plan which i chose is very useful rather than other companies. I'm making the payment Rs. 8000/yearly. Sum assured amount Rs: 5 lakhs. They have a special hospital list. I took the HDFC Ergo Insurance policy for 5 months back. Income tax benefit is there. If i'm not claim the policy in some years, then i will get some 5% of my sum assured amount.
      Was this review helpful? 0
      , pune
      Reviewed on May 14, 2018
    • HDFC Ergo Health Insurance
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      I bought this HDFC Ergo Health insurance because the premium was really low for a descent coverage of an additional 10 Lakhs . I read the reviews and compared different policies online and bought this policy. I'm yet to have any claim experience with them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 23, 2018
    • HDFC Ergo Health Insurance
      "Its Better"
      0.5 4.0/5 "Great!"
      In Ludhiana HDFC Ergo got tie up with many hospital, they are providing cash less service for 24 hours of admission . I paid the premium around Rs. 7500 for Health Suraksha plan, it gives the sum assured of Rs. 3 lakhs for three persons. I got policy copy and E card on time from HDFC Ergo.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Mar 15, 2018
    • HDFC Ergo Health Insurance
      "Low premium with better Medical cover"
      0.5 5.0/5 "Blown Away!"
      I have HDFC Ergo health insurance plan called super top up, its best for me. Based on the old insurance medical cover I get the enhance of sum assured value. HDFC premium is low, with the high medical coverage of Rs.4 lakhs for 2 adults. They do have cash less treatment in reputed hospitals.
      Was this review helpful? 0
      , vadodara
      Reviewed on Mar 13, 2018
    • HDFC Ergo Health Insurance
      "Good protector for health"
      0.5 5.0/5 "Blown Away!"
      I took health and accidental insurance from HDFC Ergo, they do have cash less treatment on the reputed hospital and it has pre existing disease cover too . Customer service is really good, I took health insurance for my family, the total medical coverage around Rs. 5 lakhs.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 13, 2018
    • HDFC Ergo Health Insurance
      "Better For Family"
      0.5 4.0/5 "Great!"
      I have medisure- classic plan from HDFC Ergo, I was looking for maximum cover plan, I got to know about HDFC Ergo which is covering for 2 person for the sum assured around Rs. 3 lakhs. My premium is around Rs.5800 for the tenure of one year. They have got a tie up with reputed hospital in my location for the cashless hospitalization.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 13, 2018
    • HDFC Ergo Health Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I have taken a health insurance policy from Hdfc Ergo, the processing was done on time I have got the top up as well. So far I am satisfied with the medical coverage they are giving and the premium amount I am paying is also good. My total premium is around Rs. 2,596 and sum assured to me is around Rs. 5,00,000.
      Was this review helpful? 0
      , asansol
      Reviewed on Mar 07, 2018
    • HDFC Ergo Health Insurance
      "Good Protection for Health"
      0.5 3.0/5 "Satisfactory"
      HDFC Ergo premium is reasonable, for Rs. 3 lakhs of medical cover. I have made the policy cost around Rs. 14,000 for one year. The policy covers for two person, HDFC Ergo has cash less service in good reputed hospitals. I got E card and other documents from their end.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 06, 2018
    • HDFC Ergo Health Insurance
      "Its Average"
      0.5 3.0/5 "Satisfactory"
      Previously, I had health insurance from HDFC Ergo before one year later I discontinued with them. Because my corporate is providing all sort of benefits. HDFC Ergo also gave me entire family protection, I hope they provide cash less service @ all reputed hospitals. But I get policy copy and E card on time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 06, 2018
    • HDFC Ergo Health Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      I have taken a health insurance policy from HDFC ERGO. I have got this policy for last 3 years and I have never made a claim. Only one thing that got to my attention is the total premium amount could have been lesser or I could have expected more sum assured amount other than that the policy is good. My total premium is around Rs. 1,168 and sum assured is around Rs. 5,00,000.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 05, 2018
    • HDFC Ergo Health Insurance
      "Good Health policy for family"
      0.5 4.0/5 "Great!"
      I chosen HDFC Ergo health policy because I already have insured with them. I paid the premium around Rs. 8 ,000 for one year. The insurance company gave me the sum assured value of Rs. 5 lakhs its cover me and my wife. HDFC Ergo has pre existing disease and cash less treatment I got an e card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 05, 2018
    • HDFC Ergo Health Insurance
      "Its Good"
      0.5 5.0/5 "Blown Away!"
      The premium is good for the sum assured value which I have chosen from HDFC Ergo. My plan name is Super TopUp plan, I made the premium around Rs. 3000 for tenure of one year. Total medical cover is around Rs. 10 lakhs, for three person. They got tie up with many hospitals.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 05, 2018
    • 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
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