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4X Coverage at no additional cost°°
Choose HDFC ERGO's flexible instalment options,
for premium payments at Zero interest*^
15,000+
Cashless Health Networkˇ
Quick & Easy
Claims Process
No Cost
Installment Benefit*^
Additional 5%
Online Discount^*
Health Insurance Plans
A health insurance policy is a financial safety shield that protects you and your family during medical emergencies. It comes with several benefits such as paying your medical bills including pre and post-hospitalization expenses, protect your savings and get tax benefits. Buy the best mediclaim policy from HDFC ERGO which will help you manage the rising medical costs during emergencies and have below features:
• Cashless Networks: 15,000+ across Indiaˇ
• Tax Savings: Up to ₹ 75,000'''
• Renewal Benefit: Free Health Check-up within 60 days of Renewal
• Claim Settlement Rate: 3 Claim/Minute^^
Compare our Best Health Insurance Plans
- No Cost Installment Available*^
Optima Secure
Optima Restore
OPTIMA SECURE GLOBAL
my:health Koti Suraksha
my:health Women Suraksha
my:health Medisure Super Top-up
Critical Illness Insurance
iCan Cancer Insurance
4X Coverage°°
Wider Pre & Post Hospitalisation''
Preventive health-check ups
Key Features
- Secure Benefit: Get 2X coverage from Day 1<
- Plus Benefit: 100% increase in coverage after 2 years.
- Restore Benefit: 100% restores your base coverage
- Protect Benefit: Zero deductions on listed non medical expenses'*
15,000+ Cashless Network
Preventive health-check ups
Key Features
- 100% Restored Benefit: Get 100% of your cover restored instantly after your first claim.
- 2X Multiplier Benefit: Get up to 100% additional policy cover as no claim bonus.
- Complete coverage 60 days prior & 180 days post your hospitalization. This ensures better planning of your hospitalization needs.
Expanded Coverage
Policy Options
Tenure
Key Features
- Coverage: Choose between wide range of base cover from ₹5 lacs to 2 crores
- Policy Options: You can buy individual and family floater options
- Tenure: Select policy tenure between 1, 2 and 3 years
15,000+ Cashless network
3 claims processed every minute^^
Wider Pre & Post Hospitalisation''
Key Features
- 50 Lacs & 1 crore cover options: Choose your health cover from two options of sum insured as per your needs.
- No room rent capping^*: Get the freedom to choose any room upto a standard private AC Room.
- Wider Pre & Post hospitalisation: We offer wider coverage of 60 days for pre-hospitalisation and 180 days for post hospitalisation expenses towards investigations, therapies and consultation charges.
- Cumulative Bonus: Get an additional 10% of the sum insured on every claim-free renewal, which can go up to a maximum of 100%.
Covers 41 critical illnesses
Loss of Job optional cover
Lump-sum benefit plan
Key Features
- Covers women specific Cancer: Get coverage against 41 critical ailments.
- Covers surgical procedures: Surgical expenses are rising steadily. Get coverage against surgical procedures.
- Self empowering optional covers: Pay additionally for job of loss, pregnancy & new born complication cover.
Higher cover at low premium
Compliments existing health insurance
No premium hike post 61 years
Key Features
- Works on Aggregate Deductible: This health plan comes in action once your all round total claim amount reaches the aggregate deductible in a year, it’s not necessary for a single claim to meet the deductible unlike other top-up plans.
- No health checkups upto Age 55 : It’s better to be safe than sorry! Secure your health when you are young to avoid medical tests.
- Pay less, Get more: Opt for a long-term policy of 2 years and get a 5% discount.
Covers upto 15 Critical illnesses
Lumpsum payouts
Affordable premiums
Key Features
- No medical Check-ups: No medical check-ups up to the age of 45 years.
- Lifetime Renewability: The policy can be renewed for a lifetime period.
- Free Look Period: We provide a free look period of 15 days starting from the date of receipt of the policy document.
Cancer cover for all stages
Lumpsum Payouts
Lifelong renewable
Key Features
- My Care Benefit: From chemotherapy to stem cell transplantation, iCan offers complete cover for conventional and advanced treatments.
- CritiCare Benefits: Get an additional 60% of the sum insured, as a lump sum payment if cancer is detected of specified severity.
- Follow-Up Care: Cancer treatments often have side-effects. Follow up care benefit gives you reimbursement up to ₹3,000 twice a year.
Why Choose HDFC ERGO's Medical Insurance?
Our health insurance plans are designed keeping in mind the growing medical needs and rising inflation.
Cashless Claim Service
15,000+ Cashless Healthcare Networkˇ
4.4 Customer Rating
Almost 2 Decades of Serving Insurance
One of Most Trusted Brand
3.2 Crore+ Happy Customers@
Understand Coverage Offered by Our Health Insurance Policies
Hospitalization Expenses
Just like every other health insurance plan, we also cover your hospitalization expenses such as room rent, ICU, investigations, surgery, doctor consultations etc due to illnesses and injuries seamlessly.
Mental Healthcare
We believe mental healthcare is just as important as hospitalization due to physical illness or injury; hence, we cover hospitalization expenses incurred for treating mental illnesses.
Pre & Post Hospitalisation"
It means all your pre hospitalization expenses up to 60 days before the date of admission and post-hospitalization expenses up to 180 days after discharge from the hospital are covered.
Day Care Treatments
Medical advancements help in wrapping up important surgeries and treatments in less than 24 hours, and guess what? We cover you for that as well.
Home Healthcare#
Cashless Home Healthcare for medically necessary treatment of Illnesses, if prescribed by treating medical practitioner.
Sum Insured Rebound
This benefit adds to the Sum Insured, an amount equivalent to the claim amount, up to basic sum Insured, on subsequent Hospitalization.
Organ Donor Expenses
Organ donation is a noble cause and we cover the medical and surgical expenses of the organ donor while harvesting a major organ from the donor’s body.
Recovery Benefit
If you stay in a hospital for more than 10 days at a stretch, then we pay for other financial losses. It helps to take care of other expenses during your hospitalization.
AYUSH Benefits
Let your belief in alternate therapies like Ayurveda, Unani, Siddha, and Homeopathy stay intact as we cover hospitalization expenses for AYUSH treatment as well.
Preventive Health Check-up
We care for your well-being and hence we offer preventive health check-up at renewal.
Lifelong Renewability
Once you get yourself secured with, our health insurance plan there is no looking back. Our health plan continues to secure your medical expenses for your entire lifetime on break free renewals.
Multiplier Benefit
If there is no claim in the first year, in the next policy year, the sum insured will grow by 50%. It means, instead of ₹ 5 Lakh, your sum insured would now stand at ₹ 7.5 Lakh for the second year.
The above mentioned coverage may not be available in some of our Health plans. Please read the policy wordings, brochure and prospectus to know more about our health insurance plans.
Adventure Sport Injuries
Adventures can give you an adrenaline rush, but when coupled with accidents, it can be hazardous. Our health insurance plan does not cover accidents encountered while participating in adventure sports.
Self-inflicted Injuries
If you ever end up causing injury to your precious self, then unfortunately our health insurance plan will not cover for self imposed injuries.
War
War can be disastrous and unfortunate. However, our health insurance plan does not cover any claim that is caused due to wars.
Participation in Defence Operations
Our health insurance plan does not cover accidental injury while you are participating in defence (Army/Navy/Air Force) operations.
Venereal or Sexually Transmitted Diseases
We do understand the criticality of your disease. However, our health insurance plan does not cover venereal or sexually transmitted diseases.
Treatment of Obesity or Cosmetic Surgery
Treatment of obesity or cosmetic surgery is not eligible for coverage under your health insurance plan.
How to Make a Claim for your HDFC ERGO Mediclaim Policy
The sole purpose of buying a health insurance plan is to get financial support at the time of medical emergency. Hence, it is important to read the below steps to know how Health Insurance claims process works differently for cashless claimsand reimbursement claim requests.
Intimation
Fill up the pre-auth form at the network hospital for cashless approval
Approval/Rejection
Once hospital intimates us, we send you the status update
Hospitalisation
Hospitalisation can be done on the basis of pre-auth approval
Claim settlement
At the time of discharge, we settle the claim directly with hospital
Hospitalisation
You need to pay the bills initially and preserve the original invoices
Register a claim
Post hospital discharge send us all your invoices and treatment documents
Verification
We verify your claim related invoices and treatment documents
"Claim Settlement
We send the approved claim amount to your bank account.
Hear from Our Happy Customers
Our customers have rated us
MY:HEALTH SURAKSHA
25 Sep 2021
Keep innovating and redefining the insurance sector Really appreciate the team work and knowledge to help us in getting our claims processed
MY:HEALTH SURAKSHA
4 Sep 2021
Best Health insurance company in India. I highly recommend this to others!
MY:HEALTH SURAKSHA
8 Aug 2021
India best policy. It is really beneficial for your health and has lot of coverages which can be useful when needed. HDFC ERGO's process is also swift and fast. Thank You!
MY:HEALTH SURAKSHA
5 Aug 2021
I have been very happy with the way my claims have been handled and resolved. Thank you!
my:Health Suraksha
28 Oct 2020
I will recommend my friends and family members, yours service is to good and prompt, customer supporting is very good.
Frequently Asked Questions on Health Insurance
1. I’m covered under my employer's mediclaim policy, do I need a separate medical insurance policy?
Yes. You do need a personal health insurance plan as your employee health insurance covers medical expenses only till the time your employment in valid in the organization the moment you leave the job your policy term ends.
2. Will COVID-19 tests be covered under the policy
The testing charges will only be covered in case of hospitalization for each insured member(s) covered under the mediclaim policy.
3. How does smoking affect health insurance premiums?
Smokers are exposed to higher risks! If you smoke there are chances that you may develop some or the other ailment at later life stage due to which you may claim. Hence, insurance companies looks at such insured as high risk and the premium is a bit high for such individuals.
4. How do I claim health insurance?
You can raise either a cashless claim request by contacting the insurance department at the network hospital or inform your insurer post discharge about the hospitalization and send invoices to avail reimbursement benefits.
5. If I increase my sum insured at the time of renewal, does a waiting period apply?
Yes. You can port your medical insurance policy with any other insurer without impacting your waiting periods.