Select members you want to insure
Popular Cities
Do any member(s) have any existing illnesses for which they take regular medication?
When did you recover from Covid-19?
Some plans are available only after a certain time
HDFC ERGO Health Insurance plans are offered by HDFC ERGO General Insurance Company Limited. The Company was founded as a joint venture between India’s HDFC Ltd. and Germany-based ERGO International AG in 2002. These health insurance plans offer comprehensive medical coverage to individuals, families and women at competitive prices.
Customized plans to cover critical illness, COVID-19 and dengue are also available. Moreover, they also offer unique benefits like the Value Buy benefit that enables policyholders to get a discount of up to 50% on opting for a voluntary deductible.
Moreover, the HDFC ERGO General Insurance Company has a fast and efficient claim process that settles cashless claims within 2 hours. In fact, the insurer enjoyed an incurred claim ratio of 97.47% in the year 2021-22.
The HDFC ERGO General Insurance Company offers a wide range of health insurance plans to individuals and families. Take a look at the various HDFC ERGO health insurance plans available in the market:
HDFC ERGO my:health Koti Suraksha is a unique plan that offers medical coverage and personal accident cover with a higher sum insured and lower premiums. While the medical sum insured ranges from Rs 50 lakh to Rs 1 crore, the sum insured for personal accident cover ranges from Rs 10,000 to Rs 10 crore.
The HDFC ERGO Optima Secure plan provides multiple unique benefits to the insured, enhancing the medical coverage to 4x for no additional cost. It allows policyholders to reduce their premiums by up to 50% by opting for a deductible under the Value Buy benefit. The sum insured for this plan ranges from Rs 5 lakh to Rs 2 crore.
The HDFC ERGO Critical Illness Insurance policy pays a lump sum benefit to the policyholder on the first diagnosis of up to 15 critical illnesses. It comes with a sum insured of Rs 1 lakh to Rs 50 lakh. The plan is available in three variants – Silver, Gold and Platinum.
The HDFC ERGO Day2day Care plan provides coverage for medical expenses incurred on an outpatient basis from day 1. The plan is available in two variants – Silver and Gold.
The HDFC ERGO Dengue Care plan covers in-patient and outpatient medical expenses incurred on the treatment of dengue. The plan has a sum insured ranging from Rs 50,000 to Rs 1 lakh.
The HDFC ERGO Energy Health Insurance plan covers the hospitalization cost of diabetes, hypertension and related complications from day 1. The plan offers a sum insured amount ranging from Rs 2 lakh to Rs 50 lakh and is available in two variants – Silver and Gold.
HDFC ERGO Easy Health Insurance is a comprehensive health policy for families and individuals that provides attractive health benefits to physically active people. It is available for a sum insured ranging from Rs 1 lakh to Rs 50 lakh. The plan comes with three variants – Standard, Exclusive and Premium.
HDFC ERGO Health Wallet is a unique health insurance policy that reserves the unused sum insured from the previous year and adds it to the base sum insured for the next year. The plan is available with a sum insured ranging from Rs 3 lakh to Rs 50 lakh.
The HDFC ERGO Health Suraksha Top-up Pro plan provides additional coverage in case the base policy sum insured has exhausted. The plan is activated only after the policyholder pays the deductible amount. While the sum insured ranges from Rs 2 lakh to Rs 10 lakh, the deductible ranges from Rs 1 lakh to Rs 5 lakh.
The HDFC ERGO Health Suraksha Top-up Plus plan provides additional medical coverage if the aggregate of multiple medical claims exceeds the deductible amount. The plan comes with a deductible ranging from Rs 1 lakh to Rs 5 lakh for a sum insured amount ranging from Rs 2 lakh to Rs 10 lakh.
The HDFC ERGO iCan Insurance plan covers the medical expenses incurred on the treatment of cancer. It offers a sum insured ranging from Rs 5 lakh to Rs 50 lakh. The plan is available in two variants – Standard and Advanced.
The HDFC ERGO Maxima Insurance provides coverage for the everyday health needs of the insured by covering both in-patient and outpatient medical expenses. The policy offers a sum insured of Rs 3 lakh.
The HDFC ERGO my:health Women Suraksha plan provides comprehensive coverage for the health needs of modern-day women. It comes with a sum insured amount ranging from Rs 1 lakh to Rs 1 crore. The plan is available in 6 variants – Women Cancer plan, Women Cancer Plus plan, Women Cardiac plan, Women CI Essential plan, Women Comprehensive plan and Women Assault & Burns.
The HDFC ERGO my:health MediSure Super Top Up plan provides higher medical coverage to the insured for lower premiums. This plan can be used for backup coverage if the base policy gets exhausted. While the sum insured ranges from Rs 3 lakh to Rs 20 lakh, the deductible amount ranges from Rs 2 lakh to Rs 5 lakh.
The HDFC ERGO Optima Restore plan offers medical coverage to the insured with the restore benefit. The sum insured amount ranges from Rs 3 lakh to Rs 1 crore.
The HDFC ERGO Optima Senior plan has been designed to cover the medical expenses incurred by senior citizens above 60 years. The plan is available with a sum insured of Rs 2 lakh, Rs 3 lakh and Rs 5 lakh.
HDFC ERGO Optima Super is a top-up insurance plan that can be converted into a regular health insurance policy after five consecutive renewals or between the age of 55 to 60 years. The plan offers a sum insured ranging from Rs 5 lakh to Rs 10 lakh along with deductible options ranging from Rs 1 lakh to Rs 10 lakh.
The HDFC ERGO Equicover Health plan has been designed to cover the medical expenses incurred by persons with disability. The plan is available with a sum insured of Rs 4 lakh and Rs 5 lakh.
The HDFC ERGO Hospital Cash Insurance provides a daily cash allowance to the insured for each day of in-patient hospitalization. The plan comes with a sum insured of Rs 500 per day to Rs 2500 per day.
The HDFC ERGO my:credit Comprehensive Suraksha plan provides coverage to people who have taken a loan from banks/NBFC or other financial institutions. The sum insured for the plan ranges from Rs 1 lakh to Rs 5 crore. The plan is available in 6 variants – Critical Illness, Women Suraksha, Sachet Critical Illness, Recovery Benefit, Hospital Cash and Permanent Total Disablement - Illness.
The HDFC ERGO Optima Cash plan offers a daily cash allowance to the insured to pay for incidental expenses incurred during hospitalization. The sum insured for this plan ranges from Rs 500 per day to Rs 5000 per day.
HDFC ERGO my:health Critical Suraksha Plus has been designed to cover the financial needs of the insured on the diagnosis of a critical illness. The plan comes with a sum insured amount ranging from Rs 1 lakh to Rs 5 crore.
Here are a few benefits of buying an HDFC ERGO health insurance plan:
Follow the steps given below to file a claim with HDFC ERGO health insurance:
Get Hospitalized
Get admitted to a network hospital of the HDFC ERGO General Insurance Company to avail cashless treatment
Show Documents
Display your HDFC ERGO health card along with a valid photo id
Cashless Pre-authorization
The network hospital will send your pre-authorization form to the HDFC ERGO General Insurance Company seeking a request for your cashless treatment.
Cashless Treatment Approval
The insurance company will approve the cashless treatment request and inform the hospital.
Document Submission
After you get discharged, the hospital will send the final bill and all the required documents to the insurer.
Final Authorization
The insurer will scrutinize all the submitted documents and will grant the final authorization to the hospital.
Note: For reimbursement claims, intimate HDFC ERGO General Insurance Company about your planned hospitalization at least 48 hours prior and emergency hospitalization within 24 hours. Pay the hospital bill in full at the time of discharge, collect all the documents and submit the required documents to the insurer. The team of doctors at HDFC ERGO General Insurance will review the documents and process the claim within 7 days.
Given below are the documents to be submitted for the smooth processing of reimbursement claims.
The HDFC ERGO General Insurance Company allows policyholders to avail cashless medical treatment at its network hospitals across India. Check out the list of HDFC ERGO health insurance network hospitals in different Indian cities:
Check out the steps to buy HDFC ERGO health insurance online:
Step 1: Visit Policybazaar.com and select the ‘Health Insurance’ icon
Step 2: Choose your gender and write your full name
Step 3: Select the people to be insured and enter their age
Step 4: Enter your city or its pin code as well as your phone number
Step 5: Pick the suitable option if any of the people to be insured has a medical history
Step 6: Choose the HDFC ERGO health insurance plan to be purchased
Step 7: Pay the premium amount online
Step 8: The HDFC ERGO General Insurance Company will issue the policy after receiving the premium.
Here is a step-by-step procedure to renew an HDFC ERGO health insurance policy:
Step 1: Visit the official website of Policybazaar Insurance Brokers Private Limited
Step 2: Go to the ‘Renew Your Policy’ option at the top of the page
Step 3: From the dropdown menu, click the ‘Health Renewal’ option
Step 4: Fill in your mobile number and the OTP to log in
Step 5: First-time users can click on the ‘Health Insurance’ icon on the homepage and enter the requested details
Step 6: Choose your HDFC ERGO health insurance renewal plan and pay the renewal premium amount online
Step 7: The insurance company will renew your HDFC ERGO health insurance policy.
Policyholders can calculate the premium of an HDFC ERGO health insurance plan by using a health insurance premium calculator. All they need to do is provide certain details, such as the residence city, sum insured, etc. You can use the HDFC ERGO health insurance premium calculator given below to estimate the premium of a medical insurance plan.
Take a look at the contact details of HDFC ERFO General Insurance Company below:
Categories | Contact Details |
Phone number | 022 6242 6242 (for policy purchase) 022 6234 6234 0120 6234 6234 |
Whatsapp number | 8169 500 500 |
Email id | care@hdfcergo.com nsp@hdfcergo.com (for network hospital issues) preauth@hdfcergo.com (for pre-authorization issues) |
Pregnancy is one of the most beautiful phases of a woman’s life
Read moreGetting a health insurance claim accepted for pre-existing
Read moreDengue, a common vector-borne disease, causes high fever, severe
Read moreDengue fever can negatively impact you physically and financially
Read moreModern treatments have transformed the healthcare industry with
Read moreAyushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal
Read moreHealth insurance penetration in India is far lower than it should be. A significant chunk of the Indian population
Read moreEvery medical insurance plan comes with a few terms & conditions, and the waiting period is one of them. A
Read moreSenior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance
Read morePradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi
Read more*We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.
*Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.
*All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.
**All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.
*₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.
*₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases
*₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.
*₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.
*No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.
*The values taken for effective cost calculation are indicative values and may change as per the selected plan.
*Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.
*Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.
*The scope of coverage may vary from plan to plan.
~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ
##On ground claim assistance is available in 114 cities
Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.
STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.
Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.
Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies
© Copyright 2008-2024 policybazaar.com. All Rights Reserved.
Insurance
Calculators
Policybazaar Insurance Brokers Private Limited CIN: U74999HR2014PTC053454 Registered Office - Plot No.119, Sector - 44, Gurugram - 122001, Haryana Tel no. : 0124-4218302 Email ID: enquiry@policybazaar.com
Policybazaar is registered as a Composite Broker | Registration No. 742, Registration Code No. IRDA/ DB 797/ 19, Valid till 09/06/2027, License category- Composite Broker
Visitors are hereby informed that their information submitted on the website may be shared with insurers.Product information is authentic and solely based on the information received from the insurers.
© Copyright 2008-2024 policybazaar.com. All Rights Reserved.