Knowledge Centre

Health Insurance


Health Insurance is a medical coverage that helps you meet your medical expenses by offering financial assistance. Due to the high cost of hospitalization expenses it is important to have a health insurance plan in place. HDFC ERGO’s health insurance policies take care of the hospitalization and treatment charges, leaving you free of financial woes. So get yourself a health insurance plan now.


Health Insurance and Its Role During the COVID-19 Outbreak

Health insurance in this situation will be highly beneficial, as it will provide cover against expenses that you may incur in order to get the required treatment. There are numerous hospitalisation expenses involved for getting treatment in case you suffer from Coronavirus. While you focus on quick recovery, we take care of your medical expenses by covering diagnosis, consultation costs at the time of pre hospitalization and post hospitalization as well. We also offer coverage for day care treatments if your treatment gets done in less than 24 Hours. Choose HDFC ERGO, a brand that has brought smiles to 1 crore+ customers.

If you already have a health insurance plan with HDFC ERGO, be rest assured we will cover hospitalisation expenses due to Coronavirus.

Know more about  coronavirus insurance  and Healthcare facilities.

Note: Every policy offered by HDFC ERGO comes with a waiting period of one month for making a claim against non accidental hospitalization. Please refer to your policy wordings, brochure for a detailed list of inclusions and exclusions. The above information is for illustrative purpose.

Types of Health Insurance

A health insurance plan can be of several types and you can choose the best plan depending upon your requirements.

  • Indemnity/Base Health Insurance Plan A health insurance plan, which pays for your medical expenses related to hospitalisation on the basis of medical treatment expenses, is called an indemnity plan. This plan is also referred as base plan and is a must have.With HDFC ERGO,my:health Suraksha is the most recommended indemnity base plan.

  • Top–up Health Insurance What if you have multiple health insurance plans like a personal base plan or an employee health insurance plan and wish to just get additional sum insured at a low premium than a super top up plan. Our my:health Medisure Super-Top up is the right top up plan.

  • Lump sum benefit based Health Insurance Plan The medical treatment cost for life threatening diseases is way too much as one life threatening disease is enough to shatter your life long savings. Hence, a benefit based plan pays you for critical illnesses in one go so you don’t have to make claims every time you pay for medical expenses. Get a critical illness cover to protect huge medical expenses.

What are the benefits of Health Insurance?

  • Cashless hospitalisation
  • Instant claim settlement
  • No room rent restriction
  • Sum insured rebound
  • Fitness discount
  • Long term policy discount
  • Save tax upto ₹ 75,000
  • Cashless home health care
  • Instant policy issuance
  • 24x7 Customer support

Health Insurance Plans

Individual Health Insurance
Optima Restore Family Plan

"Top selling family health insurance" Protect your family from unplanned medical expenses with a health plan that offers sum insured restoration benefit to ensure sufficient health coverage.

my:Health Medisure Super Top up
Optima Restore Individual Plan

"Top selling individual health insurance" A unique plan that restores your exhausted sum insured and also gives 2x multiplier benefit for not making claims.

Family Health Insurance
my:health Suraksha Silver Smart

"Health Insurance in easy instalments" Get this pocket-friendly health insurance plan that allows you to pay premium in easy instalments. With this plan avail sum insured upto 5 lacs.

my:Health Medisure Super Top up
my:health Suraksha Gold Smart

"Comprehensive & affordable health insurance" A plan that offers solid benefits like sum insured rebound, no room rent capping & home healthcare. Get sum insured between ₹7.5-15 lacs.

Energy Health Plan

"Diabetes health insurance" Specially designed health insurance for people with Diabetes and Hypertension right since the policy start date.

my:Health Medisure Super Top up
my:health Medisure Super Top up Plan

"Affordable health insurance plan" To ensure you never fall short of health coverage, choose this health insurance and get a higher coverage of 20 lacs at an affordable premium.

Corona Kavach Policy, HDFC ERGO
Corona Kavach Policy, HDFC ERGO

"Coronavirus health insurance" With this plan stay safe and secure your finances against the medical expenses arising due to COVID-19.

Critical Illness Insurance
iCan Health Insurance

"Cancer insurance" This plan provides you with health insurance coverage and lump sum benefits to support you financially in defeating cancer

iCan Health Insurance
Critical Illness Insurance Plan

"Covers upto 15 critical illnesses" With our critical illness health insurance get lump-sum benefit on diagnosis, which helps you go a long way in dealing with financial distress.

my:health Women Suraksha
my:health Women Suraksha Plan

"Health plan for women" An all-round comprehensive plan, this medical insurance plan aims at covering women-specific surgeries and major illnesses.

my:health Women Suraksha
Health Wallet Insurance

"Revolutionary health insurance plan" A plan that covers OPD expenses along with the usual hospitalisation expenses. You can also opt for Critical Illness advantage rider.

my:health Suraksha Platinum
my:health Suraksha Platinum Smart

"High sum insured health plan" A health plan that gives you the confidence to beat ever rising medical expenses with a high sum insured. Get sum insured between ₹20-75 lacs.

What is covered in a health insurance policy?

Sum Insured rebound

Sum Insured rebound

This acts like a magical back-up, which recharges your exhausted health cover to treat the next hospitalization of a new illness or injury.

Installment Benefit

Instalment Benefit

Do you like the idea of paying your health insurance premium in instalments? If yes, then get your health cover with us and make the most of our instalment benefit.

No Medical Test Upto 45 Years

No Medical Test Upto 45 Years

If you are young, hale and hearty then get yourself a health insurance plan by HDFC ERGO without any medical check-ups.

Cashless Home Health care**

Cashless Home Health care**

If your Doctor recommends you can get yourself treated at home and avail cashless medical facilities then this feature would be of utmost help.

Hospitalisation expenses

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

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, investigation etc.

Day care procedures

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

AYUSH Benefits

Let your belief in alternate therapies like Ayurveda, Unaani, Siddha and Homeopathy stay intact as we cover hospitalization expenses for AYUSH treatment as well.

Organ Donor Expenses

Organ Donor Expenses

Organ donation is a noble cause and we cover the medical and surgical expenses of the organ donor when harvesting a major organ transplant.

Recovery benefit

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. (Amount specified in the policy wording)

Mental healthcare

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 Renewal Health Check-up

Free Renewal Health Check-up

Get a free health check-up within 60 days after policy renewal done by HDFC ERGO at the time of renewing your policy with us.

Save Tax upto ₹ 75,000*

Save Tax upto ₹ 75,000*

Did you know that a health insurance plan is not just meant to safeguard your savings but also help you save tax? Yes, you can save upto ₹ 75,000 with HDFC ERGO Health Insurance plans.

Lifetime Renewability

Lifetime Renewability

Once you get yourself secured with our health insurance plan there’s no looking back, this health insurance plan continues for your entire lifetime on break free renewals, you don’t have to exit from it.

No entry age restriction

No entry age restriction

If you are 18 years old and above you can buy our health insurance plan without any hesitation. We secure people of all age groups.

The above mentioned coverage may no be available in some of our Health plans. Please read the policy wordings, brochure and prospectus to know more about our health insurance plans.

What is not included in a Health Insurance Policy?

Adventure Sport injuries

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

Self-inflicted injuries

You might think of causing injury to your precious self, but we don’t want you to hurt yourself. Our health insurance plan does not cover self-imposed injuries.



War can be disastrous and unfortunate. However, our health insurance plan does not cover any claims that are caused due to wars.

Participation in defense operations

Participation in defense operations

Our health insurance plan does not cover accidents while you are participating in defense (Army/Navy/Air Force) operations.

Venereal or Sexually transmitted diseases

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

Treatment of obesity or cosmetic surgery is not eligible for coverage under your health insurance plan .

For detailed inclusions and exclusions of your health insurance plan please refer to the sales brochure/policy wordings.

Teleclinic, Your pocket-sized friendTeleclinic, Your pocket-sized friend

Feeling tense to step out of home in these times – even to visit a doctor ?

Don't worry! We are here to help by making a small contribution to the society & help during this pandemic

Just download HDFC ERGO Insurance App and avail medical advice from M.B.B.S General Physicians for FREE, anytime, anywhere and as many times you want during this pandemic. Feel free to share this with your friends and family to be helpful in these times!

You can avail these services even if you are not a policy holder with HDFC ERGO!


                                                 Health Insurance Eligibility Criteria

Buying a health insurance plan in India is simple, easy, and hassle-free considering you are aware of some important terms and criteria. Often when we wish to buy a health insurance plan the first thing that comes to our mind is that am I eligible to buy this health insurance plan? Will this particular medical insurance plan require some medical tests? Or do I have to fulfill an age criteria before signing up for health insurance? These questions pop-up quite frequently, however, these days when you try buying a health insurance plan online, in a snap you can check your eligibility before buying a particular health insurance plan in India.

What does eligibility mean in health insurance policy?

It simply refers to the conditions that must be met in order for an individual or family to be considered eligible for health insurance coverage.

Key factors that decide your eligibility for buying health insurance plans

1. Previous medical conditions / Pre-existing illnesses: While buying a mediclaim policy you have to be honest enough to declare all your pre-existing illnesses. These illnesses need not be your usual fever, flu or headaches. But, if in past you have ever been diagnosed with any disease, birth defects, undergone surgery or cancer of any severity it is important to inform your medical insurance company. Because many ailments are listed under not included, some get covered with a waiting period and some get covered by charging additional premium after a waiting period. With HDFC ERGO health insurance plans, your cover decides your premium as per your existing illnesses. Once you declare it while buying the policy we take a call whether we can offer you the health cover or not. Even if we have to offer, there could be additional premium charges due to pre-existing illnesses or a total decline in some adverse health cases like cancer, HIV etc. These days, common pre-existing condition declared by the customers is Hypertension, Diabetes, and high cholesterol problems. We recommend that you make an honest declaration of your pre-existing disease and get it covered with waiting period. It is better that way, than have ‘zero-insurance’ cover. However, if you are at the best of your health and have no medical conditions or pre-existing illness you can get a health insurance policy seamlessly without any worries and your premium will also be reasonable. You will not have to pay an additional premium, but do not feel that since you are hale and hearty you do not need a medical insurance plan. In fact, if you buy any health insurance plan now and tomorrow there’s any ardent need to get a medical treatment your policy will act as a saviour..

2. Age: A lot of companies imply entry age restriction but HDFC ERGO’s my:health Suraksha Insurance does not put any restriction on entry age while buying a medical insurance policy. If you are above 18 years you can easily buy a health insurance plan for yourself. We also cover newborn babies but the parent needs to have a mediclaim insurance policy with us. Hence, we say that we do not put any entry age restriction. Even if you are a senior citizen there is no restriction to apply for a policy. With HDFC ERGO, age is not an eligibility criteria.

What is Health Insurance Policy in Detail ?

Health insurance plan is a protection cover to protect your finances if you fall sick in future due to illness or accident. It is a financial protection which helps you when you need it the most due to hospitalization. Be it a planned surgery / treatment or an unfortunate accident, our medical insurance policies are meant to cater to your medical needs. We recommend you to buy a health insurance policy so that in future if need arises you don’t have to shell out your hard earned savings; instead our medical insurance plans will act as a savior. In a nutshell, buying a mediclaim policy means having a safety jacket so as to be prepared to face any medical related expenses that may arise in future. Let’s understand in detail the reason you need to have specific health insurance plan.

1. Growing inflation: In India inflation is growing every year, which means the medical treatment which sounds affordable today may burn a hole in your pocket tomorrow. The only way to tackle these issues is by getting a health insurance plan. Your medical insurance policy prepares you to deal with future medical expenses. Always go for a higher cover so that you don’t have to worry about hospital bills.

2. Lifestyle diseases: These days due to a sedentary lifestyle - obesity, diabetes, and hypertension symptoms arrive a bit earlier than expected. Poor food habits and low exercise brings down immunity and may lead to a lot of lifestyle diseases at a young age. Hence, having a health insurance plan helps you when you need it the most by protecting your medical expenses.

3. Cashless treatments: The biggest benefit in buying a health insurance plan with HDFC ERGO lies in availing cashless treatment at over 10,000+ network hospitals spread all over India. This means you do not have to hunt for cash or dig into your savings for paying bills, our network hospitals settle your medical bills seamlessly only when you have our cashless health insurance policy.

4. Quality healthcare: You can give your family quality healthcare facilities in case of hospitalization. If you have a health insurance plan in place you do not have to worry about the hospital room type, you choose it and we cover it. Since you do not have to settle hospital bills (we offer cashless claims settlement) you can get the best treatment for your family. This is how we secure lives with our medical insurance plans.

5. Tax Saver: Your health insurance plan helps you save tax up to INR 75,000* if you buy a policy for yourself and your parents. Isn’t it a wonderful way to save tax and get a health cover in one go?

We at HDFC ERGO offer a wide range of health insurance plans for all age groups and imply no entry age restriction. You can buy a medical insurance policy for all age groups online. We pre-authorize cashless claims in 20 minutes`, which means we live upto our word and deliver post policy support as well. Trusted by 1 crore+ happy customers, HDFC ERGO has designed medical insurance plans in such a way that you do not have to worry about your hospitalization expenses.

Save Tax with Health Insurance

Tax deduction based on medical insurance premium paid

Under Section 80D, you can get a deduction of up to Rs. 25,000 per budgetary year for medical insurance premium. The premium paid for a health insurance plan can be for you, your spouse, and dependent children. If you or your spouse is a senior citizen, then this limit can go up to Rs. 50,000.

Deduction on preventive health check-ups

You can also claim tax benefits on preventive health check-ups annually under the Section 80D of Income Tax Act. You can claim up to INR 5,000 every budgetary year as expenses incurred for preventive health check-ups.

Deduction on medical insurance premium payment for parents

If you are paying medical insurance premium for guardians then you can also claim an additional deduction of up to INR 25,000 every budgetary year. If your parents or either of them is a senior citizen, then this limit can go up to INR 30,000.

                                                           6 Reasons to buy Health Insurance

  • 1. Lifestyle Diseases: Stress, pollution, unhealthy eating habits, gadget addiction and undisciplined lives have made lifestyle diseases widespread. It’s important to buy a health insurance plan to tackle medical expenses rising due to rising lifestyle diseases.

  • 2. Inadequate Employee Health Insurance: Do you think you are securely covered under one health insurance policy against all threats? Be informed that your employee health insurance may prove insufficient. These days medical science has advanced hence it’s important to get higher sum insured health insurance plans.

  • 3. Beat medical inflation: The cost of medical treatment in India is always on the rise. Funding medical expenses on your own will lead to financial loss hence it’s important to buy a health insurance plan to beat the medical inflation.

  • 4. Quality Healthcare: You certainly cannot compromise on healthcare quality. Best medical treatment has become a basic necessity, however having a health insurance plan promises quality healthcare as you don’t have to worry about the finances..

  • 5. Tax Savings: Health Insurance is a tax saving instrument. Enjoy upto *Rs.75, 000 Tax savings annually under section 80D with health insurance plans. Isn’t it amazing? You can save tax and secure your health too.

  • 6. Safeguards your savings: With a health insurance plan you can invest your savings for buying your dream house or taking the much awaited trip. You don't have to save for paying your future medical bills.

Are you covered enough?

Scenario 1: My employer is taking care of my health insurance I don’t need one

Most of us consider employee health insurance as a secured cover for taking care of medical expenses. But, let us tell you that employer health insurance isn’t the right solution. Once you leave the company or switch jobs you lose your health insurance benefits. Also, you don’t have the flexibility to change covers and increase or decrease sum insured. Relying on employee health insurance for a long time may lead to washing off waiting periods.

Scenario 2: Staying unaware

Most of us don’t realize the importance of health insurance until something fatal hits us or people around us. Lack of awareness may hamper your savings, if an unexpected medical expense comes up.

Scenario 3: Low Sum Insured

It’s important to understand that you need a higher sum insured if you reside in a metro city where medical treatment expenses are high. If a single hospitalization in a year is enough to exhaust your sum insured then you should consider a higher sum insured. Just buy a health insurance won’t help in the longer run getting a sum insured that’s enough to cover your medical expenses is equally important. Also, if you are covering more family members then consider taking a health insurance policy with sum insured above 10 lacs.

Scenario 4: Looking at premium budget over the coverage

Don’t just look at the premium and go back thinking if you should buy this health insurance plan. Looking at the list of coverage and benefits of buying a health insurance plan is important and should not be overlooked. If you think of buying a health insurance plan with low premium then there are high chances that you may lose out on coverage. In future, you may feel that certain coverage is important but your policy doesn’t cover it. For example: HDFC ERGO Health Insurance offers cashless in-home health care, no room rent restrictions on hospitalization and approves cashless claims within 20 minutes seamlessly.

Scenario 5: It’s not just a Tax saving tool

Many of us buy health insurance just to save tax under section 80 D. A health insurance plan helps you save tax upto Rupees 65,000. However, there’s lot more to beyond saving taxes. Get yourself a health insurance plan that helps you during critical times and helps in saving finances in the long run. You must also get a health insurance plan for your parents, spouse and kids to ensure complete financial security.

How to choose a right health insurance plan?

Every time you look for a health insurance plan the thought that hits your mind is what is an ideal health insurance plan like? What all coverage should it have? Let’s decode the hacks to get the right health insurance plan.

1. Get yourself adequate sum insured: If you are residing in the metro cities then cost of treatment is high hence for an individual your sum insured should ideally range between 7 lacs to 10 lacs. If you are looking for a family cover to insure your spouse and kids a sum insured that ranges between 8 lacs to 15 lacs suits best on floater basis. It should be adequate enough to cover more than one hospitalisation that may happen in a year.

2. Look for co-payment to reduce premium: If you wish to reduce your premium and you are fine with making partial payments for your medical expenses then look for a health insurance plan with co payment facility. You share the medical expenses with your health insurer hence you don’t have to pay a heavy premium.

3. Look for in-home health care: What if you are unable to get a bed at the hospital or your parents aren’t comfortable seeking medical attention at the hospital? Under such circumstances you can easily get treatment done at home without much hassles. HDFC ERGO offers cashless health insurance for in-home health care.

4. No sub-limits help: Usually your medical expenses depend upon your room type. It’s recommended to buy a health insurance plan that does not have sub limits. Just like my:health Suraksha Insurance it does not imply any room rent restrictions or sub limits.

5. Check waiting periods: Your health insurance plan doesn’t come into action while your waiting period is not completed. Always check health insurance policies with lower waiting periods for pre existing ailments and maternity benefit.These are the most important covers to look for before buying a health insurance plan. Other than most important coverage there are a few more benefits that need to be looked upon before choosing a health insurance for yourself, your family and parents.

Know the Top 7 Factors that decide your premium

1. Age: Undeniably, age is the most prominent factor that fixes up your premium. It’s highly recommended to buy a health insurance policy while you are young, because premium rises with age. At a younger age you are less likely to have pre existing diseases due to which your premium is low as compared to higher age groups. It’s highly recommended to buy health insurance at an early age.

2. Pre existing illnesses: Any health condition or ailment that you are already suffering before getting a health insurance policy is termed as pre existing illness. If you are a diabetic or suffering from hypertension there is a chance that your premium will raise. Buying health insurance plan early when you are hale and hearty will help you skip high premiums due to pre existing ailments.

3. Family History: This could be a factor that affects your premium calculation, if your family has a diabetes history there are higher chances you too may acquire it at some point of time in life. Due to which insurance premium may be charges high to such individuals.

4. Location of stay: If you reside in a metro city then there are chances that your premium may go on a higher side as the cost of treatment is high in developed cities as compared to tier 2 or 3 cities. Hence premium for someone who stays in Delhi will be high as compared to someone who stays in Nagpur.

5. Members covered: Your health insurance premium will be low if you choose to cover yourself as compared to a family floater policy wherein you cover your spouse and kids. Even under family health insurance you can choose to have individual sum insured for every family member or get them all over one sum insured in a floater plan. Sharing the sum insured under one floater plan will incur low premium than getting individual sum insured for all.

6. BMI or Body Mass Index: If your weight isn’t proportionately balanced with your height leading to obesity then there are chances that you may have to pay higher health insurance premiums. People with higher BMI are prone to joint paints, hypertension, high blood pressure and various other ailments due to which they fall under high risk category. Insurance premium is generally high for high health risk individuals.

7. Smoking Habits: If you are a chain smoker then there are chances that your insurance premium may burn your pocket as insurance company may consider you as a high risk individual. Your smoking habit may affect your lungs in the long run leading to respiratory ailments. Other habits like chewing tobacco or high consumption of liquor may also affect your body and may also cause cancer; hence your premium may shoot up.

How to Make a Claim for your Health Insurance Plan?

To register a claim for your health insurance plan there are several steps to be followed. Health Insurance claim process works differently for reimbursement claim requests and cashless claims. Read the below process to understand how HDFC ERGO settles health insurance plan claims.

Health Insurance Cashless Claims get approved within 20** minutes

Policy Holder Needs to find the nearest cashless hospital

Locate your nearest cashless hospital

Collect form from Hospital, Fill and Submit at the Hospital

Collect the cashless form from hospital and fill it duly

Submit it with necessary documents along with your Photo ID and health insurance card


On receiving the documents our internal claims team approves/rejects the claim depending upon the documents, course of treatment and coverage.

Claim Settlement

On approval you can undergo medical treatment without paying anything to the hospital.

On discharge HDFC ERGO will check the documents and discharge summary and settle the claim with the hospital directly.

Status Update

At each and every stage you can track your claim status and we shall keep informing you about your claim request

Health Insurance Reimbursement Claims get reimbursed within 3** days


Once you are hospitalised at a non-network hospital intimate HDFC ERGO about your hospitalisation

Post Discharge

Collect all documents from the hospital and send it to HDFC ERGO General Insurance Company Ltd 5th Floor, Tower 1, Stellar IT Park, C-25,
Sector-62,Noida 201301 State : Uttar Pradesh , City : Noida Pin Code : 201301.

Document Scrutiny and approval

We will check the documents and approve/reject the claim


If your claim is approved your claim amount shall be reimbursed via NEFT.

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Hospital Network


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Register & Track Claims through our website

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Avail your preferred mode of claims settlement

Health Insurance News

Need to continue extreme caution against Covid-19: WHO

With various unlocking measures the world is trying to be back to normal, but that should happen with utmost caution. One should not stop wearing mask and apply hand sanitizer. The fight against the pandemic is still on.

Source: Economic Times - Health | Published on 19 October 2020

Covid forms 40% of total Health Insurance claims

As of September, Covid now forms 40% of total health claims for the general insurance industry. It has been steadily increasing from 8% in May to 23% in July to 34% in August. With steady increase in the cases, most of the insured register covid claims.

Source: TOI | Published on 16 October 2020

Mediclaim policyholders see premiums rise up to 70%

Your annual health insurance premium may rise as insurers are now looking at broadening the scope of cover and adding important ailments.

Source: Times of India | Published on 15 October 2020

Health Insurance providers need to look at disease-specific products: IRDAI

IRDAI stressed upon the importance of having more disease-specific products like for diabetics, heart or kidney related issues.

Source: The New Indian Express | Published on 15 October 2020

Health Insurance: Telemedicine, online consultation to be covered amid COVID-19

The telemedicine consultation will be covered under health insurance policies. The Insurance Regulatory and Development Authority of India (IRDAI) has asked the insurer to allow claim settlement for telemedicine consultation wherever normal consultation with a medical practitioner is allowed in the terms and conditions of the policy contract in the wake of the ongoing pandemic.

Source: Live Mint | Published on 10 October 2020

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Health insurance related articles

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Frequently Asked Questions on Health Insurance

With the development in technology, treatments and the availability of more effective medicines the cost of healthcare has steeply increased. All this increase ends up being a burden for the consumers, making healthcare unaffordable for many. This is where HDFC ERGO’s health insurance policies come into play, as they take care of the hospitalization and treatment charges, leaving the consumer free of financial woes. Get yourself a health insurance plan now
Having a health insurance policy covers expenses incurred due to hospitalization. This includes in-patient treatments, pre and post hospitalization charges, day care procedures, domiciliary treatments, etc.
All HDFC ERGO Health Insurance Plans are available online for purchase via various online payment options. Simply take our online journey for the product that suits you best & apply with just a few clicks.
You need to fill a health declaration and an endorsement form and the new member will be added to your existing family floater health insurance at an additional amount.
Yes, if needed you can change the hospital during the treatment. However, you might need to provide necessary information for a smooth claim process of your health insurance plan.
You cannot take an independent health insurance policy for a 3 year old. Children below 5 years are covered only when both the parents are covered under the health insurance policy
In certain conditions you might be eligible for reimbursement of overseas treatment, such as pre-diagnosed planned hospitalization, outpatient treatment, and second opinion in case of sudden illness while travelling under your health insurance plan.
Most pre hospitalization and post hospitalization expenses (up to 60 days) are  covered under the health insurance policy, such as X - rays, CT scan, MRI, ultrasound nursing, physicians, medicines , other diagnostic needs. After successful completion of 4 claim-free year, you are eligible for free health check-up as well. This is subject to no medical adversities.
Most insurance health insurance plans have a 15 day cooling off period called as free-look period during which you can cancel your policy. However, in case you wish to cancel the health insurance policy mid-term then you need to provide a suitable reason for cancellation. Premium refund is subject to nil claims & as per the refund chart mentioned in the health insurance policy wordings.
In case of the death of primary insurer in a health insurance policy, the other adult person may continue with the policy and the sum insured will remain the same.
You can change your health insurance policy details online through our website Visit the 'HELP' section on the website and place a request. To place request or explore services, click here

Common Insurance Terminologies used in Health Insurance Plan

We often come across terminologies while reading features & benefits offered by health insurance companies. Below are the 10 most commonly used jargons while explaning the coverage & exclusion of a health insurance plan. Let's demystify them to understand better.

Cumulative Bonus

Your health insurance company rewards you for staying hale and hearty! Every year you get cumulative bonus in the form of increased sum insured for not making any claims. We at HDFC ERGO offer cumulative bonus of upto 200%.

AYUSH Benefit

This terminology is an acronym for Ayurveda, Unani, Siddha and Homeopathy; It refers to treatments or therapies that you can take other than the usual allopathic course of treatment. If you believe in the healing powers of non allopathic treatment, we cover your hospitalization expenses seamlessly under our health insurance plan.


The fixed amount or % paid by the insured ( the one who is covered) for the medical treatment. If your co-payment percentage is 20% then in case of hospitalization you are suppose to bear 20% of the expense and remaining shall be paid by your insurer.


The process of making changes in your policy document such as change in name, adding or removing members and increasing sum insured etc is a part of endorsement.

Pre-existing disease

If you are suffering from any ailment at the time of buying a policy is termed as pre existing illness or disease. It’s important to declare pre existing disease at the time of policy issuance or else at the time of claim; if the insurer knows about your existing illness your claim may get denied.

Free Look Period

Health Insurance Company gives you a chance to cancel your policy post payment if you have found a better plan and wish to take a different plan. This period is called free-look period.

Waiting Period

In simpler terms, waiting period is the duration when an insured must wait to get coverage for some disease or treatments. The insured may not receive benefits for claims filed during the waiting period. For example, there are waiting periods for pre existing disease and maternity treatment in a health insurance plan.

Sum Insured Rebound

Get additional sum insured equal to your actual sum insured in case your sum insured gets exhausted.

No Sub-limits

Health insurance companies add sub limits on diseases, hospital room rent and coverage, which means after a certain limit you do not get the benefits. However, with HDFC ERGO my:health Suraksha there is no sub limit on room rents or diseases.

ADD on covers or Riders

To enhance your health insurance policy you can choose to get additional covers or riders to stay extra safe. There are several add ons like critical illness cover or hospital daily cash etc.

Awards & Recognition
SKOCH Order-of-MeritBest Employer Brand AwardHR Excellence through technology award 2012Insurance AwardBest Insurance Company in Private Sector - General 2014Insurance Award iAAA ratingInsurance AwardInsurance AwardGold Shield ICAI Awards 2012-13ICAI Awards 2015-16Insurance AwardInsurance Award