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 Insurance Company merged with HDFC ERGO Health Insurance on November 13, 2020. Both the health and general insurance companies are the affiliates of HDFC Ltd., the country’s largest mortgage lender. The merger has been completed with the consent from the IRDAI (The Insurance Regulatory and Development Authority of India). This merger makes HDFC Ergo, the second-largest private insurer in the health and accident insurance market.
Key Features |
Highlights |
Network Hospitals |
10,000+ |
Incurred Claim Ratio |
52.58% |
Renewability |
Lifelong |
Waiting Period |
4 years |
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.
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.
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.
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.
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
The HDFC ERGO General health insurance policies come in seven variants. Let us take a look at each of them in detail:
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 |
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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 |
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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:
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:
One can easily purchase HDFC ERGO General Health Insurance policies online by following the below steps:
Other than that, HDFC ERGO General Health Insurance Company offers several other online facilities. These are:
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 policybazaar.com 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.
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.
Claims are of two categories and these are explained below:
Below are the documents you need to submit for smooth processing of claims.
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.
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.
Ans: In addition to health insurance, following policies are offered by HDFC ERGO:
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.
Ans: HDFC ERGO General Health Insurance accepts premium payment in following three modes:
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.
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.
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.
Ans: There is no age limit for policy entry. One can apply for a health insurance plan at the minimum age of 91 days.
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.
Ans: For insurance claim settlement, follow the steps listed below:
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