HDFC ERGO General Health Insurance

Health Insurance is offered by HDFC ERGO General Insurance Company Limited. It was founded in the year 2002 and operates in 113 cities through its 127 branches. It is a JV between HDFC Ltd and ERGO International AG. ERGO International AG is the primary entity of the Munich Re Group, whereas HDFC Ltd is India's leading housing finance company. ERGO International AG holds 48.231% stake while HDFC holds 51.769% stake, making HDFC Ltd the major shareholder in the venture. This is headquartered at Mumbai.


HDFC ERGO General Health Insurance at a Glance:

Key Features


Network Hospitals


Incurred Claim Ratio




Waiting Period

4 years

Why to Buy Health Insurance from HDFC ERGO General Health Insurance?

HDFC ERGO General Insurance Company offers a wide range of health insurance plans that cover an individual and the family as well. These plans offer comprehensive coverage at affordable premium prices and are backed by more than 10,000+ hospitals all over India. Offering significant features like cashless hospitalization, high no health claim benefit, and flexible payment modes, these health insurance plans are highly recommended for today's generation whose lifestyle makes them more prone to diseases that result from poor choices that eventually require medical intervention. Any medical emergency in the event of an accident or sickness requiring daycare procedures along with both pre and post hospitalization costs is covered by these affordable health insurance plans. These mediclaim plans also assure happiness to your family as well as you, thereby providing you with lump sum benefit.

Benefits and Advantages

The HDFC ERGO General Insurance Company is called the leader in the insurance industry because it gives its customers a little extra benefit when they buy any health insurance plan from the HDFC ERGO.

  • HDFC ERGO General health insurance has a tie-up with 10,000+ network hospitals across the country, which facilitates cashless facility and other health care services
  • There is a facility of 24*7 call assistance for settlement of health insurance claims
  • The insurance company offers Value Added Services which enables the policyholder to enhance the sum insured in cases of claim free years
  • The list of Services provided by the insurance company includes cover for pre-hospitalization and post-hospitalization expenses, day care procedures, costs incurred at home towards the treatment of the patient (domiciliary) and other such related expenditures
  • The company offers a quick and easy insurance policy renewal process

Critical Factors of the Health Insurance Plans from HDFC ERGO General Health Insurance

  • With a network of more than 10,000+ hospitals in the country, availing cashless hospitalization and healthcare facilities is very easy with HDFC ERGO General Health Insurance
  • The policy period of the plan can be of 1 year or 2 years, with the basic sum insured per year between Rs. 3 lakhs and Rs. 10 lakhs
  • HDFC ERGO General Health Insurance offers the additional benefit of ‘Cumulative Bonus’ after every claim-free year as well as reimbursement of health check-ups expenses after the completion of 4 consecutive claim-free years
  • The plan also offers Income Tax benefits. The company promises a hassle-free claim procedure
  • The plan does not have a cap on hospital room rents, hospital charges, specific diseases and even doctor


  • Tax Benefit under section 80D
  • No Medical Check-up up to 45 years
  • No sub-limits on any disease, room rent, hospital charge and doctor’s fee
  • Cashless Treatment at Network Hospitals
  • 5% bonus on Sum Insured for every claim-free year
  • Offers one­-year or two-year policy coverage period
  • Avail a family discount of 10% if 2 or more members of a family are covered under the same individual policy
  • Life Long Renewability

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.

HDFC ERGO General Health Insurance offers two types of Health Insurance Policies:

  • Indemnity Health Insurance Policy
  • Lump Sum Payment Health Insurance Policy

Indemnity Health Insurance Plan

Under this category, the health policy buyer gets compensations for the actual amount of financial losses incurred by him, subject to maximum amount of the sum insured.

Lump Sum Payment Health Insurance Plan

Under this category, the payment is made to the policyholders as soon as the illness or accident or any kind of related event occurs. This helps the policy holder to take care of every small expense to be made

  • During the course of treatment.
  • Comes at affordable pricing.
  • Available on an Individual or FHPL basis.
  • This health insurance plan offers Income Tax exemption u/s 80D of Income Tax Act
  • Insurance claim settlement procedure is very easy and hassle-free.
  • Provides coverage for inpatient treatment which includes all the hospitalization expenses.
  • Provides a reimbursement of pre and post hospitalization expenses for up to 60 days and 90 days, respectively.
  • Provides reimbursements incurred towards any kind of transportation charges or towards organ donor charges, if any kind of organ transplantation has been done.
  • Provides Ayush Benefits i.e. inpatient hospitalization expenses undertaken under Ayurvedic, Sidha and Homeopathy are covered by the plan.

List of Health Insurance Policies from HDFC ERGO

The HDFC ERGO General health insurance policies come in seven variants. Let us take a look at each of them in detail:

  • HDFC ERGO my:health Suraksha Silver Smart Plan
  • HDFC ERGO my:health Suraksha Platinum Smart
Health Insurance Plans Sum Assured Entry Age Critical Illness Benefits and Coverage
HDFC Health Critical Illness Insurance 2.5 to 10 Lakhs Minimum age is 5 and maximum is up to 45 years It covers 23 types of critical illnesses
  • Cashless hospitalization
  • Pre and Post hospitalization coverage
  • Easy Claim Settlement procedure
HDFC Health Critical Illness Platinum Insurance 2 to 10 Lakhs Minimum age is 5 and maximum is up to 65 years It covers 15 types of critical illnesses
  • Cashless hospitalization
  • Pre and Post hospitalization coverage
  • Compensates lost income
  • HDFC ERGO my:health Suraksha Silver Smart Plan

    The HDFC ERGO my:health Suraksha Silver Smart is a comprehensive plan that protects individuals as well as their families in case of any medical illness or emergency.

    Type of Health Plan Entry Age Sum Assured(Rs) Plan Renewability Discount
    Individual/ Family Floater Adult-18 / Children-91days to 25 years 3 Lakhs,4 Lakhs, 5 Lakhs Lifetime Family Discount,Loyality Discount, Long Term Policy Discount,

    Key Features and Benefits of HDFC ERGO my:health Suraksha Silver Smart Plan

    The various features and benefits provided by this HDFC ERGO General health insurance plan are given below:

    • Options to choose sum insured amount from Rs 3 lakhs to Rs 5 lakhs
    • Policy tenure options of 1 year, 2 years and 3 years
    • Long-term policy discount of 7.5% and 12.5% to people opting for 2-year and 3-year policy tenure respectively
    • No pre-policy health check-up for applicants up to 45 years
    • A family discount of 10% applicable if more than two family members are covered under this HDFC ERGO General Health Insurance plan
    • Loyalty discount of 2.5% granted to people who have purchased other insurance policies from HDFC ERGO
    • Comes with the sum insured rebound benefit
    • Covers hospitalization expenses that include both room rent and ICU charges. The plan provides flexibility to decide the cap on room rent charges
    • Pre-hospitalization expenses up to 60 days before getting admitted and post-hospitalization expenses up to  180 days after discharge
    • Provides coverage for mental healthcare, daycare procedures, domiciliary hospitalization, home healthcare and recovery benefit
    • Cost of emergency road ambulance is also covered under this HDFC ERGO General Health Insurance plan
    • Covers charges involved in the hospitalization of organ donor for a transplant surgery
    • Cost of treatment by Ayurveda, Unani, Homeopathy and Siddha is also covered under this HDFC ERGO General Health Insurance plan
    • Optional covers such as non-medical expenses cover and extended cumulative bonus are also available
    • Comes with the optional benefit of Parent & Child Care cover that includes maternity expenses, pre & post natal expenses, newborn baby cover, vaccination charges and infertility treatment expenses
    • Choose amongst the co-payment option of 10% and 20%
    • Add-on cover for Critical Illness and daily hospital cash available under this HDFC ERGO General Health Insurance plan
    • Enhances sum insured amount by 10% for every claim-free year
    • Income Tax benefit under Section 80 D of the Income Tax Act
    • Annual preventive health check-up upon renewal
    • Fitness discount under my: Health Active at the time of renewal
  • HDFC ERGO my:health Suraksha Platinum Smart

    The Platinum Smart plan is the most beneficial plan variant under my:health Suraksha plan by HDFC ERGO that protects the insured from expenses incurred due to a medical illness or accidental injury.

    Health Insurance Type of Health Plan Entry Age Sum Assured(Rs) Renewability Discount
    Individual Family Floater Children-91 days to 25 years / Adult - 18 years to no age limit 20 Lakhs, 25 Lakhs, 50 Lakhs, 75 Lakhs Lifelong Renewal Family discount,Long Term Policy Discount, Loyality Discount

    Key Features and Benefits of HDFC ERGO my:health Suraksha Platinum Smart Plan

    Under the Platinum Smart plan by HDFC ERGO General Health Insurance, the insured can avail maximum coverage through a wide range of benefits that includes:

    • Higher sum insured options ranging from Rs 20 lakhs to Rs 75 lakhs
    • No pre-policy health check-up for people opting for the sum insured amount of Rs 20 lakhs
    • Policy available for 1-year, 2 years or 3-year policy tenure options
    • A 10% family discount available for families where more than 2 members are insured under this plan by HDFC ERGO
    • If the applicant has one more than HDFC ERGO General health policies, then he/ she is eligible for a loyalty discount of 2.5%
    • A 7.5% and 12.5% long-term policy discount available for applicants choosing 2 years and 3 years policy term respectively
    • This HDFC ERGO General Health Insurance plan offers the sum insured rebound benefit to the insured
    • A 25% cumulative bonus available for every claim-free year
    • Covers cost of hospitalization that includes the ICU charges and the rent for the hospital room. The insured has the freedom to fix the limit for room rent
    • Provides both pre and post hospitalization expenses for up to 60 days and 180 days respectively
    • This plan covers expenses incurred on the treatment of mental illness
    • Coverage for daycare procedures, domiciliary hospitalization, home healthcare as well as recovery benefit is also available
    • Emergency road ambulance and air ambulance coverage included under the HDFC ERGO my:health Suraksha Platinum Smart plan
    • Covers hospitalization expenses of the donor for organ harvesting for an organ transplant surgery
    • Expenses incurred on treatment taken through Ayurveda, Homeopathy, Unani and Siddha is also included
    • Freedom to opt for non-medical expenses cover and an extended cumulative bonus of 50%
    • Flexibility to opt for Parent & Child Care cover that includes infertility treatment expenses, maternity expenses, newborn baby cover, pre & post natal care and the vaccination cost
    • This plan comes with a co-payment option of 15% and 25%
    • Provides preventive health check-up  booster annually
    • Enjoy fitness discounts at the time of renewal as part of my:Health Active program
    • This plan comes with a tax benefit under Section 80D of the IT Act

HDFC ERGO General Health Insurance Online Facilities

One can easily purchase HDFC ERGO General Health Insurance policies online by following the below steps:

  • Calculating the premium using health insurance premium calculator
  • Providing all your details
  • Making the payment

Other than that, HDFC ERGO General Health Insurance Company offers several other online facilities. These are:

  • E-Mail Policy Copy
  • 80D Tax Certificate
  • Updating Contact Details Online (Email id/Contact Number/Address)
  • Make Changes/Endorsement
  • Transfer of Insurance - Motor
  • Creation of Service Request
  • Upload Documents
  • Cancellation Of Policy
  • Track Interaction Status
  • Claim Status
  • Link Aadhaar and PAN
  • Motor Claim Intimation
  • Payments

How to Calculate Health Insurance Premium from HDFC ERGO General Health Insurance?

At PolicyBazaar, we provide you with an all-inclusive health insurance premium calculator to enable you to calculate the premium you are liable to pay in exchange Health Insurance coverage from HDFC ERGO General Health Insurance. You can log onto and calculate your health insurance premium by providing certain details of yours. HDFC medical insurance premium calculator facilitates you to purchase adequate health coverage for your family and you. All you need to do is select and provide the right details at the time of calculating the health premium.

How to Renew HDFC ERGO General Health Insurance Policy?

If you’ve bought health insurance policy from HDFC ERGO, you must take the renewal of the policy into consideration. Renewal of your health insurance plan is equally important as that of buying one. The health insurance renewal process from HDFC ERGO will be very easily quick and hassle-free in just a few minutes.

Here is a step-by-step procedure to renew your health insurance policy:

Step 1: Visit the official website of the insurance provider

Step 2: Hit the ‘Instant Renewal’ button.

Step 3: Enter the pre-requisite details of your policy including your name, policy number, etc.

Step 4: Look for some additional covers to improve your coverage to secure the assets.

Step 5: Fill in the necessary details. You will get to know the premium for renewal.

Step 6: Pay the required amount and renew your health insurance policy.

You can also call on Customer Service No :  022 - 62346234 / 0120 - 62346234 (available in India only)  for instant renewal of your health insurance plan.

The premium of renewal is calculated basis your coverage and age. You can renew your expired health policy within a term of 30 days from the date of expiry.

How to File a Claim with HDFC ERGO General Health Insurance?

Claims are of two categories and these are explained below:

  • Cashless Claims: HDFC ERGO General Health Insurance has 10,000+ network of hospitals. When policyholders go to any of these hospitals, they are eligible to get a cashless claim since the insurance company will directly settle the bill with the hospital. However, the disease, too, has to be eligible for such a cover.
  • Reimbursement Claims: If the hospital is not network-listed, the policyholder can get the expenses reimbursed against the hospital bills.

Below are the documents you need to submit for smooth processing of claims.

  • NEFT details in the claim form along with a cancelled cheque.
  • KYC form along with a photocopy of any one KYC document for claims amounting to Rs. 1 lakh or more. KYC Documents: Aadhaar Card, Passport, Driving License Voter ID

HDFC ERGO General Health Insurance Network Hospitals

With over 10,000+ hospitals across the nation, HDFC ERGO general health insurance provides you with an assurance of quality medical treatment at a hospital of your choice. You can avail medical treatment at these hospitals either as planned hospitalization or in the event of a medical emergency. In the meanwhile, keep your TPA informed about your plan to get hospitalized to avail the treatment or as soon as you get hospitalized in an emergency.


  • Q1. What does HDFC ERGO General Health Insurance cover?

    Ans: HDFC ERGO General health insurance plans provide comprehensive coverage to the insured and the family. The company offers affordable health insurance plans with the cashless benefit at over 10,000+ hospitals all over India. Additional features are flexible payment options, enhanced NCB (No Claim Bonus), and so forth.

  • Q2. What other policies are offered by HDFC ERGO General Health Insurance?

    Ans: In addition to health insurance, following policies are offered by HDFC ERGO:

    • Health Suraksha Top Up Plus Plan
    • Critical Illness Policy
    • Critical Illness Platinum Policy
  • Q3. Can I apply online for the insurance policy?

    Ans: Yes, you can easily apply online for health insurance policy from HDFC ERGO. You can download the policy form from the company website and take a printout. Fill in the details and submit it at the nearby branch.

  • Q4. How do I pay health insurance premium?

    Ans: HDFC ERGO General Health Insurance accepts premium payment in following three modes:

    • Auto-deduction from your bank account
    • In the form of cash or cheque deposit
    • Online payment
  • Q5. How can I check policy status for health insurance?

    Ans: You can check the status of your insurance policy from the company’s website. Log in and right-click on the policy number to get the status details.

  • Q6. How do I choose the best policy for me?

    Ans: The simplest way to choose the best health insurance policy from HDFC ERGO comparing its various health plans and choose the one that offers the maximum coverage within your budget.

  • Q7. How do I start for health insurance policy renewal from HDFC ERGO?

    Ans: Your health insurance policy is subject to auto-renewal, in case you chose the option auto-debit from your bank account at the time of purchasing the policy. You can also call on Customer Service No :  022 - 62346234 / 0120 - 62346234 (available in India only)  for instant renewal of your health insurance plan.

  • Q8. What is the maximum age of entry for health insurance policies?

    Ans: There is no age limit for policy entry. One can apply for a health insurance plan at the minimum age of 91 days.

  • Q9. How do I find a hospital to avail cashless facility under my health insurance policy?

    Ans: The company provides you with a wide network of over 10,000+ hospitals to avail the cashless facility. Along with the policy documents, you get a list of those hospitals. Alternatively, you can visit the company website and click on network hospitals right on the top to find the nearest hospital in your city.

  • Q10. What is the procedure for Claim Settlement?

    Ans: For insurance claim settlement, follow the steps listed below:

    • Make sure you register your insurance claim not more than 7 days of discharge from the hospital.
    • Submit the duly signed insurance claim form along with other required document within 15 days of the occurrence of the particular incident.
    • In case of deficiency of any of the document(s) required, you will receive a deficiency letter within 7 days of documents submission.
    • The insurance claim settlement statement will be sent to you within 30 days after submitting complete documents along with a permissible payment.
Written By: PolicyBazaar - Updated: 02 July 2020
5,020,359 Confirmed Cases in India*
34,478,590 Confirmed Cases worldwide*
931,582 Confirmed deaths worldwide*
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Average Rating
(Based on 37 Reviews)
HDFC ERGO General Health Insurance Reviews & Ratings
4 / 5 (Based on 37 Reviews)
(Showing Newest 15 reviews)
Bangalore, April 13, 2017
Long term HDFC health insurance plan
I recently bought a family floater plan which covers me and my wife for a period of 2 years . HDFC ERGO health insurance offers 10% discounts on a 2 year plan which I think I haven't seen with other companies.
Chandigarh, April 12, 2017
HDFC health insurance plan is versatile
HDFC ERGO health insurance plan seems quite versatile. I am usually a fit person and due to which I could increase my sum assured this year due to no claims last year without paying a single extra penny on previous premium.
Noida, April 12, 2017
Affordable premium with HDFC Ergo Insurance
The best thing about HDFC health insurance policy is nominal premium and tax benefits as well. I hope, though ,I never have to file a claim... this health insurance plan gives me a sense of security
Allahabad, April 11, 2017
HDFC health insurance plan is good for pregnant women
I was looking for a pregnancy insurance plan after pregnant. I must say that HDFC Health Suraksha Gold Plan was the answer to my in securities regarding the expenses during the regular check ups and medicinal requirements. The response is too good.
Villupuram, April 11, 2017
Good to go with HDFC Ergo health insurance
I find it a good plan. Everything is manageable from the premium to renewal service. I got instant answers to my questions from customer care. Thanks and Keep it up!!
Mumbai, March 25, 2017
i asked many people about this policy they said premium is high it doesn't matterwhat is ehr premium see what benefit giving the company hdfc not putting any limit on hospitalisation expenses. so it's osssssssssssssssssam
Guna, October 21, 2016
Trustable Insurers
When i listen about the hdfc ergo general insurance company ltd. I took the health insurance plan at very less amount. Service is fast and the executives assist 24X7. Policy coverage is high and claims are easy to get. Ambulance free service for policy holder.
Haridwar, October 17, 2016
Low premium,high returns
My colleague introduce a health insurance plan to me, which is good and in budget. The premium of the policy less and the coverage is high. Claiming process of the plan is easy because the service given by the executives and staff members of the company is fast and on time.
Mahabub_nagar, October 17, 2016
Ergo general insurance policy
After a long time i got health insurance policy for my whole family through hdfc ergo general insurance. Service is fantastic and so quick. Investment is less in this policy but the return after policy get matured is really very high. Updates are mailed to me time to time.
Gurgaon, October 05, 2016
Best Health Insurance
The hdfc ergo general insurance company provides me health insurance plan at very low premiums. Coverage of the insurance plan is high and claims are even better. Service provided by the executives is fast and on time.
Rourkela, September 29, 2016
HDFC Insurance
Policy I have is hdfc ergo health insurance plan which is very low at price and the claims are easy to sanctioned. Service provided by the executives is really very good with ambulance free service. Policy coverage is high ~90%.
Raj_nagar, August 23, 2016
HDFC general insurance company is one of the best insurers, i bought a health plan in very low premium. Service is fantastic and online renewal is very easy to make through online portal. The ambulance is facilitate for free and accidental death benefit is inbuilt in it.
Hamirpur, July 22, 2016
Health Care
My brother advice me to buy a health insurance policy. After long searching i got one which has low premiums and high payback returns. Thanks hdfc ergo insurance for this great insurance policy. Service is fabulous which you provided.
Ambikapur, July 07, 2016
Health Plan
Health insurance is must in this risky times. The policy i have is great and it has maximum benefits. Premium is less and returns are high. Policy coverage is good and claiming is easy due to quick service provided by the staff members by the company. Online portal service is also nice an easy to access.
Coonoor, June 24, 2016
Good Plan
The health insurance plan I have is good and the premium of that is low. Policy coverage is high and claims are easily sanctioned due to fast service facilitate by the executives and the staff members. The ambulance is for free service at any location. Good insurance, good job.
Bengaluru, March 09, 2016
"Not That Good"
I have hdfc ergo general insurance health policy plan. The policy coverage is 60% and claims are 3lakhs. Claiming process is bit lengthy because of your executives and staff members. Policy is okay but improve your services for better outputs.
Kanpur, March 09, 2016
"Service is good"
My friend suggested me a very fine health policy plan which i bought from hdfc ergo general insurance. Policy coverage and claims are high but premiums are low. The hospital provide the ambulance from the door steps to hospital and then drop return to home after discharge. Nice policy plan, i like it.
Jaipur, March 09, 2016
Good Insurance Policy.
Policy coverage is good and premiums are low ~rs.2999 per month. Claims are high around rs.1.9 L. Ambulance is facilitate for free and the service is fast and with full take care of patient. Nice job HDFC ERGO general insurance for such a nice health insurance policy plan.
Bhiwani, March 09, 2016
Service is not fast.
I finally found the health insurance policy plan of my choice. It has low premium rates with high recovery payback amount. The coverage is 80% and the claims are clear easily because no paper work is there. Service is slow that's the only thing. Please improve it.
Siliguri, March 09, 2016
I had hdfc ergo health insurance policy plan which gave several benefits like ambulance and large number of hospitals for patient convenience. Even policy covers whole billing and the claims are easily sanctioned because of quick services.
Ahmednagar, March 09, 2016
My health insurance policy plan is with hdfc ergo general insurance. The policy is good and investment is medium but the returns are high as respect to premiums. Policy coverage and claims are also good. Just the services is bit slow, please improve it.
Pune, March 09, 2016
Bad Policy.
Bad Bad Bad...Slow service and waiting is must for months. Policy coverage, claims are low and the premiums are high as compared to other things. Really had bad experience. Improve your services and behaviour with customers.
Mumbai, March 09, 2016
superb plan.
I have health insurance policy plan like every one else but my policy is far far better then others because i have hdfc ergo general insurance which provide great benefits in low investments like ambulance is facilitate for free, Claims are high and the policy coverage is around 90%. Great work guys.
Rohtak, March 09, 2016
slow service issue.
Got health insurance policy plan in very low premiums by hdfc ergo general insurance. Policy provide whole coverage for health problems and whole bill payments are payed by the company. Claims are high and premiums are low. Good policy.
Kanpur, March 09, 2016
Good Policy Coverage
My father buy health insurance policy for me from hdfc ergo general insurance. The policy plan is great, it has low investment and returns are high. Policy coverage is 90% and the claims are Rs.3.2 L. Hospitals provide ambulance for free. Good beheaviour by executives and staff members.

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