Only health plan where your coverage has no ceiling Get health insurance starting at just ₹26/day*
Who do you want to insure?
16,000+
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 Claims/Minute^^
Compare our Best Health Insurance Plans
Just Launched
Optima Secure+
No Cost Installment Available*^
Optima Secure
OPTIMA SECURE GLOBAL
my:health Women Suraksha
Critical Illness Insurance
No Cost Installment Available*^
Optima Secure+
Key Features
Unique feature: Infinite Benefit is a unique offering of Optima Secure+.
Automatic increase: Your base Sum Insured increases by 100% after every claim‑free policy year.
Unlimited accumulation: This benefit can accumulate without any upper limit over time.
Future‑ready coverage: Helps your Sum Insured keep pace with rising medical costs throughout your lifetime.
No Cost Installment Available*^
Optima Secure
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.
OPTIMA SECURE GLOBAL
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
my:health Women Suraksha
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.
Critical Illness Insurance
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..
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
Cashless Networks: 16,000+ across Indiaˇ
4.4 Customer Rating
One of Most Trusted Brand
3.7 Crore+ Happy Customers@
Understand Coverage Offered by Our Health Insurance Policies
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.
3 Sum Insured Rebound
This benefit acts like a magical backup, which recharges your exhausted health cover to treat the next hospitalization of a new illness or injury.
Cashless Home Health care**
If your Doctor recommends, you can get yourself treated at home and avail cashless medical facilities with utmost ease. This service is now available in 16 cities.
Hospitalization Expenses
Just like every other health insurance plan, we cover you for your medical hospitalization due to illnesses and injuries seamlessly.
Pre & Post Hospitalisation
It means all your pre-hospitalization expenses upto 60 days of admission and post-discharge expenses till 180 days get covered, like the costs for diagnostics, consultations, etc.
Daycare Procedures
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.
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.
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 that might have happened due to your absence at home. It helps to take care of other expenses during your hospitalization.
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.
Free Preventive Health Check-up
Get a free health check-up within 60 days of renewing your policy with us.
Lifetime 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.
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.
Fill up the pre-auth form at the network hospital for cashless approval
2
Approval/Rejection
Once hospital intimates us, we send you the status update
3
Hospitalisation
Hospitalisation can be done on the basis of pre-auth approval
4
Claim settlement
At the time of discharge, we settle the claim directly with hospital
1
Hospitalisation
You need to pay the bills initially and preserve the original invoices
2
Register a claim
Post hospital discharge send us all your invoices and treatment documents
3
Verification
We verify your claim related invoices and treatment documents
"
4
Claim Settlement
We send the approved claim amount to your bank account.
Hear from Our Happy Customers
4.4/5 Stars
Our customers have rated us
POONAM SHARMA
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
PRAMOD NARAYAN TELANG
MY:HEALTH SURAKSHA
4 Sep 2021
Best Health insurance company in India. I highly recommend this to others!
SURENDER KUMAR
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!
VIJAY C GOHIL
MY:HEALTH SURAKSHA
5 Aug 2021
I have been very happy with the way my claims have been handled and resolved. Thank you!
Praveen Kumar
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. How many times can medical insurance be claimed?
You can file multiple claims during a policy term, provided it is within the limit of the sum insured. A policyholder can get coverage up to the sum insured only.
3. Are there any benefits of buying health insurance at a young age?
You are eligible to pay a lower premium and higher benefits. Since the probability of having a pre-existing illness is low, the waiting periods may also not impact you. Apart from that, common diseases such as flu or accidental injuries can happen at any age, so buying health insurance when you are young is important.
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.
Call To Buy: 1800 2666 400
.svg "Optima Secure+ Health Insurance Plan")
"
