Compare HDFC Ergo Health Insurance Plans


HDFC Ergo Health Insurance Company

HDFC Ltd. is a Mumbai-based Indian financial corporation with businesses in banking, financing, and venture capital sectors. This company partnered up with the German ERGO group, an insurance giant, and started a private insurance firm in India. HDFCERGO General Insurance Company Limited was established in the year 2002.

The company sells various kinds of insurance products and carries out its operations through its branch offices located in over 90 cities of India. You can buy HDFCERGO motor insurance, travel insurance, home insurance and more. But it’s the company’s health insurance plans that have gained increasingly more popularity over the years.

World HRD Congress awarded HDFCERGO ‘Best Insurance Company’ in the Private sector-General category in 2014. The company also won ‘Best General Insurance Company in India’ award by IAIR for two years, 2013 and 2014. Its market share has also increased over the years and is the 4th largest general private insurer in India.

Buying health insurance is a necessity these days to prepare for the financial risks of the future. HDFCERGO provides different plans to suit the needs of the people with comprehensive covers at affordable prices for the whole family. It also has an ISO certification for its unparalleled services.

HDFC ERGO Health Insurance Policies– Common Features
The insurance firm has an ‘iAAA’ rating assigned by ICRA, an independent credit rating agency. This means that the company is trustworthy and indicates its claim paying ability. It has a wide network of hospitals supporting it. There are several other benefits of insuring with this company including 24X7 HDFCERGO customer care assistance and flexible payment options.

Key Advantages and Features

  • The whole family, adults and children, can be covered under the same plan 
  • Customers get reimbursed for the expenses of routine medical check-ups, subject to conditions
  • There is no co-pay clause in the policy wordings
  • There is no cap on the hospital room rent
  • HDFCERGO hospital list for cashless claims support is 5000 strong
  • No-claim bonus is issued to the customers for every claim-free year
  • HDFCERGO general insurance renewal and premium payment can be done online easily
  • All the insurance policies can be bought for a term of 1 or 2 years
  • Customers get lifetime renewal with all the plans

Plans And Details

The health insurance plans by HDFCERGO are divided into two categories, indemnity and lump-sum benefit. The indemnity insurance pays according to the cost incurred and can be claimed multiple times while lump-sum pays the whole sum insured at once.

HDFCERGO Health Suraksha–a plan for individuals and families to cover all the necessary expenditures during medical procedures

  • Entry Age eligibility
  • Minimum -3 months
  • Maximum – no limit
  • Sum Assured (in Rupees)
  • 3, 4, 5, 7.5 or 10 lakhs
  • Coverage
  • Two adults and two children can be covered under the family floater plan
  • In-patient hospitalisation, 144 day-care procedures and domiciliary treatments are covered
  • Pre-hospitalisation and post-hospitalisation expenses are covered for 60 and 90 days respectively
  • AYUSH benefit is also provided in the policy
  • Emergency ambulance charges and organ donor expenses are also reimbursed
  • More benefits
  • Voluntary co-pay discounts and family discounts are applied to the premium
  • Every claim-free year brings a cumulative 5% increase in the sum insured
  • Extra details
  • Health check-up is necessary only for applicants above 45 years
  • Coverage for pre-existing conditions begins after four years

HDFCERGO Health Suraksha with Regain and ECB – a health insurance plan with extra benefits that protects from major expenses

  • Entry age eligibility
  • No limit is applicable
  • Sum assured (in Rupees)
  • 3, 4, 5, 7.5 or 10 lakhs
  • Coverage
  • Hospitalisation expenses are reimbursed or can be avoided with cashless facility
  • No sub-limit for AYUSH (Ayurveda, Yoga, Unani, Siddha and Homeopathy) in-patient treatment
  • Rs.2000 or Rs.3500 allotted towards ambulance charges depending on the sum insured
  • Regain benefit to restore the sum insured during the same year if it is already exhausted
  • Enhanced Cumulative Bonus increases sum insured by 10% if no claim is made
  • More benefits
  • 10% discount on the premium rate if policy is bought for a 2-year term
  • Customers can access hassle-free claims process
  • Extra benefits
  • Procedures such as eye surgery and treatment of internal tumour are subject to a waiting period of 2 years

HDFCERGO Health Suraksha Gold – a basic indemnity cover package with benefits and affordable premium rates

  • Entry age eligibility
  • No limits applied
  • Sum assured (in Rupees)
  • Individual plan –3, 4, 5, 7.5 or 10 lakhs
  • Family floater plan - 3, 5, 7.5 or 10 lakhs
  • Coverage
  • Hospitalisation expenses due to illnesses and accidents are included along with expenses for medical diagnosis, medicines, etc.
  • Maternity cover is available after a waiting period of 4 years
  • New-born baby cover is advantageous if hospitalisation occurs within 90 days of birth
  • Convalescence benefit can be claimed for up to Rs.10 thousand
  • More benefits
  • A second opinion is provided in case of diagnosis of any critical illness
  • A free medical check-up is offered after four claim-free years with the company
  • Extra details
  • Hospitalisation due to alcohol and drug abuse will is not reimbursed
  • Anyone can find the network hospitals online easily
  • Health Suraksha Gold with Regain and ECB policy is also available

HDFCERGO my: health Medisure Classic – a special plan by the company for supporting the needs of the families

  • Entry age eligibility
  • Minimum – 3 months
  • Maximum – no limit
  • Sum assured (in Rupees)
  • 2, 3, 4 or 5 lakhs
  • Coverage
  • Pre-hospitalisation cover is provided for 30 days and post- hospitalisation for 60 days
  • Replenishment of sum insured if expenses during hospitalisation due to accident is greater
  • Maternity cover and new-born baby cover are included in the policy
  • Additional recovery benefit of Rs.5000 is given if hospitalisation exceeds ten days
  • Domiciliary treatment that happens for at least three days is also covered
  • More benefits
  • Customers can buy waiver of room rent sub-limit add-on with the policy
  • All the day-care procedures are covered and not just those in the HDFCERGO list
  • Extra benefits
  • There is a waiting period of 2 years for the treatment of some specific diseases
  • Pre-existing diseases can be claimed after three years

HDFCERGO Critical Illness – a policy in 2 variants, silver and platinum, to protect financial aspects during medical emergencies

  • Entry age eligibility
  • Minimum – 5 years
  • Maximum –65 years
  • Sum assured (in Rupees)
  • 2.5, 5, 7.5 or 10 lakhs
  • Coverage
  • Silver plan – covers eight critical illnesses
  • Platinum plan – covers 15 critical illnesses
  • Lump sum is paid 30 days after diagnosis if the insured person survives until them
  • More benefits
  • Customers can avail tax exemption under the section 80D
  • 50% of the expenses towards medical tests are reimbursed
  • Extra details
  • Company applies a waiting period of 3 months after the policy begins before a claim can be made
  • You can buy this policy online with minimum paperwork

HDFCERGO my: health Super-Top-Up – customers can buy this policy to get extra financial coverage

  • Entry age eligibility
  • Minimum – 18 years for adults and three months for children
  • Maximum – 65 years for adults and 23 years for children
  • Sum assured (in Rupees)
  • 3, 5, 6, 7, 8, 10, 11, 12, 15, 16 or 20 lakhs
  • Coverage
  • In-patient treatment, expenses related to hospitalisation, etc. are covered
  • Day-care treatment cover and pre-existing diseases cover are also included
  • The company offers a free-look period of 15 days
  • The company guarantees processing of every cashless claim is within 6 hours
  • More benefits
  • The customers have the option of choosing their desired deductible amount ranging from 2 to 5 lakhs
  • The premium rate is low as this plan is designed to be bought alongside another medical insurance policy
  • Premium paid can be claimed in the section 80D for tax benefit
  • Extra benefits
  • Pre-policy check-up is required for applicants aged more than 55 years
  • Co-payment of 10% is necessary for policyholders above 80 years of age
popup close button
Looking for an insurance policy? Get Instant Quotes from 44+ insurers Click Here
popup close button
I want to insure
Where eldest member is
Male Female
With date of birth
/ /
Enter Age More than 18 years
Living in
{{item.cityname}} Loading your City ... This is Required
Enter Your name
Enter Your Name
Enter Your email
Enter Your Email Id
Mobile No.
Enter Your 10 digit Number