Get <strong>₹5 Lac</strong> Health Insurance starts <strong>@ ₹315/<span>month*</span></strong>
Get ₹5 Lac Health Insurance starts @ ₹315/month*
Get ₹5 Lac Health Insurance starts @ ₹315/month*
250+ Plans 18 Insurance Companies
₹ 5 Lakh Coverage @ ₹ 10/day
7 Lakh+ Happy Customers

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Here is What you Need to Know about HDFC ERGO Health Premium, Purchase, and Renewal

HDFC Health Insurance Plan has an online platform that makes it easier for clients to purchase and renew the policy. The portal offers an online premium calculator that provides premium details at a single click of a button. It also provides online payment options and instant insurance renewal options.

Claim forms are available online for you to fill at your convenience and submit it to your nearest branch. On the other hand, the online platform can also help you locate your nearest hospital and HDFC ERGO branch near you. 

Moreover, HDFC ERGO Health Insurance has a mobile app that can help you better manage your insurance portfolio 24*7. The app is conversable with all android phones and can be found on the Google Play store.  It has features that are in build to empower you to access information regardless of internet connection.

Procedure to buy HDFC Ergo Health Insurance plan online

The policy purchase is done in 3 easy and simple steps:

  • Log into the company’s website, select the relevant tab. Once this is done, one is asked to provide the required personal data so as to purchase and calculate the premium. Once the premium is calculated, click on the ‘Proceed’ button.
  • A new page is opened and one has to fill-in more personal and confidential information as accurately as possible. Once it is done, press on the ‘Proceed’ tab. 
  • A new page is opened whereby one is allowed to make an online premium payment via credit or debit card. 

How to Calculate HDFC Ergo Health Insurance Premium?

HDFC Ergo Health Insurance Plans have been designed to provide extensive health cover to reduce your financial burden during a medical emergency. It is suggested that you go through the policy features, inclusions, and exclusions before purchasing a health insurance plan online. Correspondingly, it is equally important to calculate the health insurance premium. 

HDFC ERGO health insurance calculates the health insurance premium after securing an acceptance from IRDAI. HDFC Ergo health insurance premiums are calculated based on various factors such as- 

  • Age of the proposer - the premium increases with the age of the insurer.  With age, health risks also increase and so does the premium. 
  • The number of members covered- Premium for Individual health insurance plans will be lesser as compared to HDFC Ergo family floater health insurance plans.
  • Pre-existing medical conditions- The premium may increase based on the family’s medical history and any pre-existing ailments in your medical record.

HDFC Health Insurance Premium Calculator

It is one of the most convenient and quick ways to calculate health insurance premiums using an online HDFC Ergo health insurance premium calculator.

You can also compare different health insurance plans online with the help of this tool.

However, the premium should not be the only factor while choosing a health insurance plan, but you can compare the health insurance quotes and then choose the right plan.

The process is straightforward and convenient.

Simply click on ‘Calculate My Health Insurance Premium’ and enter all the required details including your age and other personal details and effortlessly generate health insurance premium for different plans.

Renewing HDFC Health Insurance plans

HDFC Ergo follows a seamless renewal process. You can conveniently renew health insurance plans for yourself, parents, family, and senior citizens. By renewing the policy online you can save both time and effort. Elucidated below are steps that you can follow to renew your HDFC Ergo health insurance plan online-

  • Visit their site and select the Instant Renewal option
  • Enter your health insurance plan details
  • Enter the plan details and the premium will be generated
  • Pay online and instantaneous renewal of your policy will be done

5% of the cumulative bonus (max. up to 50%) for every claim-free year. After 4 years of the policy period, up to 1 percent of SI is compensated for health check-ups.        


Medical emergencies are unpredictable and can lead to a financial setback at any point in time. To ensure the best medical treatment due to any such l uncertainties, it is imperative to get a health insurance policy. HDFC Ergo health insurance plans are created to safeguard you and your family from financial shocks arising due to any such situation. In case you are planning to get HDFC health plans or already have one then you can benefit from the above-mentioned information.

Written By: PolicyBazaar - Updated: 05 January 2021
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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