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Home / Health Insurance

Health Insurance

What is health Insurance policy

Health insurance provides financial support to pay for healthcare expenses during a medical emergency, illness or accident up to the sum insured by a person. It covers the medical expenses of an individual or family members included in the plan without depleting one’s savings.

We've been dedicated in enhancing your experience, and now we 're thrilled to unveil our improved flagship product and two cutting-edge services, all designed to simplify your life and minimize your worries. Discover the future of insurance with us!
Re-Launching my:Optima Secure extending our coverage worldwide and 2 Unique Services: Early discharge cashless approval and Cashless approval for chronic diseases for seamless claim experience

Types Of Health Insurance Plans

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No Cost Installment Available*^ my:Optima Secure Family Health Insurance Plans by HDFC ERGO

my:Optima Secure

We've taken protection to the next level by introducing new add-ons that offer extra coverage you've always wanted. This plan offers 4X health coverage at no additional cost, which means you actually get 4 times increase in health cover at the cost of your preferred sum insured.

Buy Now Know more
Just Launched My:Optima Secure Global

my:Optima Secure Global plans

Along with 4X health coverage, this plan provides a global cover which includes coverage for hospitalisation expenses within India and coverage only for emergency medical treatments overseas.

Buy NowKnow more
health insurance policy for family

Best Health Insurance for Family

Your life revolves around your family. Then, why leave their health unprotected? Get a health insurance plan from us and make the most out of our special benefits like unlimited day care treatments and sum insured restore benefits which will cater every member’s medical needs.

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medical insurance policy for Individual

Best Health Insurance for Individuals

While you plan your finances, don’t miss out on buying a health insurance plan for yourself.Get benefits like fitness discount and sum insured rebound. Our health insurance plans for individuals will take care of medical expenses without impacting the savings.

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online health insurance for ageing parents

Best Health Insurance for Parents

Your parents care for you always. It’s your turn to take utmost care of their health by securing their growing medical expenses. Our health insurance plan for parents offer lifelong renewability & AYUSH benefits to cater their growing medical needs.

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online health insurance for senior citizens

Best Health Insurance Plan for Senior Citizens

It’s that phase of life when you must leave aside worries and stay worry free. Then, why let the stresses of paying medical bills bother you? Get yourself a health insurance plan that applies no room rent sub limits and is lifelong renewable.

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online health insurance for employees

Best Health Insurance Plan for Corporate Employees

If you already have a corporate health insurance, then it covers you only during your work tenure and goes out of action once you resign. Hence, get yourself covered under our comprehensive health cover for employees and leave aside financial worries arising due to medical expenses.

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online health insurance for diabetic

Best Health Insurance Plan for Diabetic

It is no secret that diabetics need special medical attention! While you track your blood sugar count and tackle Diabetes, let us offload hospitalisation worries with Energy health insurance plan.

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online health insurance for womens

Best Health Insurance Plan for Women

No doubt you are a super women with super powers, but you too need medical care at some point of time in life. With my:health Women Suraksha stay secured against life threatening illnesses & stay financially strong.

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Optima Secure Global
Optima Secure bana global, toh behetar bana aur bhi behetar!!

Compare Our Best Health Insurance Plans At A Glance

  • No Cost Installment Available*^
    optima Secure health insurance policy

    Optima Secure

  • Just Launched
    optima Secure Global health insurance policy

    Optima Secure Global

  • optima restore health insurance policy

    Optima Restore

  • my:health                                         suraksha insurance plan

    my:health Suraksha

  • my:health koti suraksha insurance plan

    my:health Koti Suraksha

  • my: health women suraksha plan

    my:health Women Suraksha

  • my:                                         health medisure super top-up plan

    my:health Medisure Super Top-up

  • critical health insurance policy

    Critical Illness Insurance

  • iCan cancer insurance

    iCan Cancer Insurance

Just launched
tab1
Optima Secure
Cashless hospitals network
4X Coverage*
Wider Pre & Post Hospitalisation
Wider Pre & Post Hospitalisation
free preventive health check-ups with optima restore
Free preventive health-check ups

Key Features

  • Secure Benefit: Get 2X coverage from Day 1.
  • Restore Benefit: 100% restores your base coverage
  • No Cost Installment*^ Option: Credit and Debit card holders can now opt for the No cost installment*^ option
  • Aggregate Deductible: You can enjoy up to 50% discount every year by choosing to pay a little bit more. You also have the super power to waive your opted deductible at renewal post completion of 5 years under this Policy@
Just launched
tab1
Optima Secure Global
Cashless hospitals network
4X Coverage for claims made in india
Wider Pre & Post Hospitalisation
Overseas Treatment Covered
free preventive health check-ups with optima restore
Free preventive health-check ups

Key Features

  • Global Health cover: comprehensive health cover for medical expenses in India as well as overseas medical treatment expenses
  • Plus Benefit: 100% increase in coverage after 2 years
  • No Cost Installment*^ Option: Credit and Debit card holders can now opt for the No cost installment*^ option
  • Protect Benefit: Zero deductions on listed non-medical expenses
tab1
Optima Restore
Cashless hospitals network
12000+ˇ Cashless Network
Cashless Claims Settled in 20 Mins
Cashless Claims Settled in 38 Mins*~
free preventive health check-ups with optima restore
Free 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.
tab3
my:health Suraksha
no room rent restriction with my:health surakha plan
No room rent restriction
sum insured restoration with my:health suraksha
Sum insured rebound
pay premium in installments with my:health suraksha plan
Cashless claims approved within 38 minutes*~

Key Features

  • No Medical Test Upto 45 Years: It’s better to be safe than sorry! Secure your health when you are young to avoid medical tests.
  • Free preventive health-checkups: We offer free health check-ups so that you are healthier and happier always
  • Cumulative Bonus: Don’t think that your health insurance plan is of no use if you do not make a claim. It rewards you with additional 10% to 25% sum Insured upto a max of 200% depending on the plan opted at the time of renewal.
tab3
my:health Koti Suraksha
no waiting period with energy insurance plan
12000+ˇ Cashless network
Get no claim bonus with energy
Cashless Claims Settled in 38 Mins*~
restore benefit with energy insurance plan
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%.
tab5
my:health Women Suraksha
covers critical illnesses
Covers 41 critical illnesses
loss                                 of job cover
Loss of Job optional cover
lumpsum benfit
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.
tab4
my:health Medisure Super Top-up
higher cover at low premium with my: health medisure super top-up plan
Higher cover at low premium
compliments existing health insurance with my: health medisure super top-up plan
Compliments existing health insurance
no premium hike post 61 years with my: health medisure super top-up plan
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.
critical health insurance policy
Critical Illness Insurance
covers 15 critical illnesses
Covers upto 15 Critical illnesses
lumpsum payouts benefit
Lumpsum payouts
affordable premiums
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.
iCan cancer insurance
iCan Cancer Insurance
all stages cancer cover
Cancer cover for all stages
lumpsum payouts with iCan plan
Lumpsum Payouts
lifelong renewable
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.
Compare Quotes
buy a health insurance plan
Buying Optima Secure is now easier with our No cost installment*^ plans!
Buy Now

Best Health Insurance Plans - Choose a Plan That Suits Your Needs

Indemnity health insurance plan
1

Indemnity Health Insurance Plan

This type of health insurance plan pays for your actual medical expenses on both cashless as well as reimbursement basis upto the sum insured. This is the most basic health insurance plan that everyone must-have. Optima Secure is one of the most recommended Indemnity health insurance plans offered by HDFC ERGO.

Just launched
optima restore health insurance for family
Optima Secure
4X Health Cover at No Additional Cost
  • Sum Insured from 5 Lacs- 2Cr
  • Multiple Discount Options: Save upto 50% on premium with our various discount options.
  • Protect Benefit: Zero deductions on listed non medical expenses.
 my:health suraksha insurance
my:health Suraksha
Comprehensive yet affordable
  • No room rent capping: Choose your desired hospital room
  • Preventive Health Check-up on every renewal
  • Sum insured Rebound: Magical back-up that, reinstates exhausted sum insured
optima restore health insurance for family
Optima Restore
Recommended for small families
  • Sum Insured from 5-50 lakhs
  • Restore Benefit: Get instant addition of 100% basic sum insured to your cover on your very first claim.
  • Multiplier Benefit: Doubles your sum insured in two consecutive claim free years.
my:health suraksha insurance
my:health Koti Suraksha
Big Coverage @ Small Prices
  • 50 lacs & 1 crore sum insured available
  • No room rent capping upto private AC room
  • Unlimited day-care procedures
 Top-up                                health insurance plan from HDFC ERGO
2

Top-up Health Insurance Plan

As the name goes, a top-up health insurance plan acts as an enhancement to your existing health insurance. If you already have health insurance or a corporate health cover and wish to get a wider cover at a low premium then a top-up plan works best. At HDFC ERGO, we have gone a step ahead to offer you a Super-top up plan that strengthens your existing health cover. It offers an extremely high coverage at low premiums.

my:health medisure super top-up plan
my:health Medisure Super Top-up Higher health cover at pocket-friendly premiums
  • No health checkups upto Age 55
  • Constant premiums from Age 61
  • Pay less,Get more
  • Offers pre-post hospitalisation expenses
  • Works on aggregate deductible
  • Covers day care procedures
fixed benefit medical insurance plans from HDFC ERGO
3

Fixed benefit Health Insurance Plan

While indemnity based health insurance and top up plans pay for medical bills on actual basis, a lump sum benefit based health insurance plan pays you in one go or lump sum. Its beneficial for meeting endless medical expenses arising out of critical ailments such as Stroke, Cancer, Paralysis, Multiple Sclerosis, etc.

 Critical illness health insurance
Critical Illness Insurance
  • Upto 15 Critical Illnessess covered
  • Lump Sum payment in a single transaction
  • 2 Plans available
  • Option to buy for 1 & 2 Years
iCan cancer insurance plan
iCan Cancer Insurance
  • All types of Cancers Covered
  • Cashless Cancer Treatment
  • 60% Sum insured is available for lump sum payout
  • Avail 100% of SI for cancer treatment
buy a health insurance plan
Interested to know more about Here.?

Benefits of Health Insurance Policy by HDFC ERGO

Key Features Benefits
Cashless Hospital Network 12000+ˇ across India
Tax Savings Upto ₹ 1 lac****
Renewal Benefit Free Health Check-up within 60 Days of Renewal
Claim Settlement Rate 1 Claim/Minute*
Claim Approval Within 38*~ Minutes
Coverage Hospitalization Expenses, Day Care Treatments, Home Treatments, AYUSH Treatment, Organ Donor Expenses
Pre & Post Hospitalization Covers Expenses upto 60 days of admission & 180 days post discharge

Health Insurance Coverage: What is Covered In health Insurance Policy

hospitalization expenses covered by hdfc ergo

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 covered in HDFC ERGO health insurance

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 covered

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, physiotherapy, consultations, etc.

daycare procedures 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.

cashless home health care covered by hdfc ergo

Home Healthcare

In case of hospital bed non-availability, if the Doctor approves treatment at home we cover you for that as well. So that, you get medical treatment right at the comfort of your home.

sum insured rebound covered

Sum Insured Rebound

This benefit acts like a magical backup, which recharges your exhausted health cover to treat the next hospitalization. Basically, we ensure uninterrupted medical coverage at the time of need.

organ donor expenses

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 benefits covered

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.

ayush benefits covered

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.

free renewal health check-up

Free Renewal Health Check-up

Get a free health check-up within 60 days of renewing your policy with us.

lifetime renewability

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.

lifetime                                                    renewability

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

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 not covered

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.

injuries in war is not covered

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 not covered

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

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 not covered

Treatment of Obesity or Cosmetic Surgery

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

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It will just take a few minutes!

Calculate Your Health Insurance Premium in 4 Easy Steps

Calculating premium is very easy now with our health insurance premium calculator online. Follow the below steps and know your premium.

Let us know who do you want
Let us know who do you want

STEP 1

Let us know who do you want
to insure

CALCULATE PREMIUM
Fill up member details
Fill up member details

STEP 2

Fill up member details

CALCULATE PREMIUM
Choose Sum Insured
Choose Sum Insured

STEP 3

Choose Sum Insured

CALCULATE PREMIUM
Calculate Premium
Calculate Premium

STEP 4

Calculate Premium

CALCULATE PREMIUM
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Calculate Premium
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12,000+
Cashless Network
Across India

Find Your Nearest Cashless Networks

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ORLOCATE Hospital NEAR YOU
Find 12,000+ network hospitals across India
Jaslok Medical Centre

Address

C-1/15A Yamuna Vihar, Pincode-110053

Roopali Medical
Centre Private Limited

Address

C-1/15A Yamuna Vihar, Pincode-110053

Jaslok Medical Centre

Address

C-1/15A Yamuna Vihar, Pincode-110053

How to Make a Claim for Your HDFC ERGO Health Insurance

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 claims and reimbursement claim requests.

Health Insurance Cashless Claims get approved within 38*~ minutes

Fill pre-auth form for cashless approval
1

Intimation

Fill up the pre-auth form at the network hospital for cashless approval

approval status for health claim
2

Approval/Rejection

Once hospital intimates us, we send you the status update

Hospitalization after approval
3

Hospitalisation

Hospitalisation can be done on the basis of pre-auth approval

medical claims settlement with the hospital
4

Claim settlement

At the time of discharge, we settle the claim directly with hospital

We settle reimbursement claims within 2.9 days~*

Hospitalization
1

Hospitalisation at non network hospital

You need to pay the bills initially and preserve the original invoices

claim registration
2

Register a claim

Post hospital discharge send us all your invoices and treatment documents

claim verifcation
3

Verification

We verify your claim related invoices and treatment documents

claim approval
4

Claim Settlement

We send the approved claim amount to your bank account.

Unique Health Insurance Services by HDFC ERGO That Minimises Worries

Early discharge cashless approval
Early discharge cashless approval

With our newly launched my:Optima Secure Health Insurance plan experience healthcare like never before. To ensure seamless access to cashless facilities we have enabled quick approvals for early discharge from hospitals.

 Cashless approval for chronic diseases
Cashless approval for chronic diseases

We understand that dealing with a chronic disease isn’t easy and sometime an emergency hospitalisation becomes paramount. Taking into consideration the urgency of the situation we provide swift approval for cashless treatment, ensuring you can kickstart your journey to recovery without any delay.

Documents Required for Health Insurance Claim Reimbursement

Below are the documents that you need to keep handy when claiming for reimbursement. However, do read the policy terms and conditions carefully, in order to avoid missing out any important document.

  • The claim form with your signature and valid identity proof.
  • Prescription of the doctor stating hospitalization, diagnostic tests and medicines.
  • Original Hospital , diagnostic , doctors and medicine bills along with receipts.
  • Discharge summary, case papers , investigation reports.
  • Police FIR/medico legal case report (MLC) or post-mortem report if applicable .
  • Proof of named Bank Account like Cheque copy/Passbook/Bank statement
Get health insurance plan for your family
The higher your BMI, the higher your risk for certain diseases. Check it out now!

Save Tax with Health Insurance Policy

dual benefit on health insurance policy

Dual Benefit

A health insurance plan not only covers your medical expenses but also offers tax benefits so that you can save upto ₹ 1 lac**** under Section 80D of Income Tax Act 1961. It plays an important role in planning your finances.

tax deduction on medical insurance premium paid

Tax deduction based on medical insurance premium paid

By getting yourself a health insurance plan, you can get a deduction of up to ₹ 25,000 per budgetary year for medical insurance premium under Section 80D of Income Tax Act 1961.

deduction on preventive                                         health check-ups

Deduction on medical insurance premium paid for parents

If you are paying the medical insurance premium for guardians, then you can also claim an additional deduction of up to ₹ 25,000 every budgetary year. If your parents or either of them is a senior citizen, then this limit can go up to ₹ 50,000.

save tax on medical insurance premium paid for parents

Deduction on preventive health check-ups

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

Please note that the above-mentioned benefits are as per the current tax laws prevailing in the country. Your tax benefits may change subject to tax laws. It is advisable to reconfirm the same with your tax consultant. This is independent of your health insurance premium value.

Save Tax with Health Insurance Policy The Earlier, The Better

It is always advisable to buy a good health insurance plan as early as possible because health emergencies can happen anytime, without any prior notice. The following points will make it even clearer, why it is important to buy a health insurance policy at an early age:

1

Comparatively Lower Premium

Premium is comparatively lower when you get a health policy at a young age. This reason for it is that, for the insurance company, the lower the age, the lesser is the health risk associated.

2

Skip Mandatory Health Check-up

In certain cases, you might be excused from the mandatory health check-ups that people of a certain age must undergo to obtain health insurance.

3

Shorter Waiting Period

Health insurance policies have waiting periods for a few health conditions. If you purchase a mediclaim policy when you’re young, you complete them sooner.

If you think “I don’t need Health Insurance” , Think Again

Scenario 1

My employer is taking care of my health insurance I do not need one

Most of us consider employee health insurance as a secured cover for taking care of medical expenses. However, you must know that employer health insurance covers you only during your job tenure. Once you leave the company or switch jobs, you lose your health insurance benefits. Some companies do not offer health cover during initial probation period. Even if you have a valid corporate health cover it may offer a lower sum insured, lack modern medical coverage and may also ask you to co-pay for claims. Hence, always have a personal health insurance plan for yourself and your family to be double sure.

Just like you pay EMIs, credit card bills, invest in mutual funds or pay premium for life insurance plans to ensure a sound financial planning, similarly you need to buy a health insurance to secure your savings in the longer run. Because, most of us do not 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.

It is 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 buying a health insurance won’t help in the long 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 a sum insured above 10 lacs.

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 before buying a health insurance plan is important and should not be overlooked. If you think of buying a health insurance plan with a low premium then there are high chances that you may miss out critical coverage. In future, you may feel that certain coverage is important but your policy doesn’t cover it. Scout for a health insurance plan that is not just pocket friendly but also value for money.

Many of us buy health insurance just to save tax under section 80 D. A health insurance plan helps you save tax upto ₹ 75,000. However, there is a lot more 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.

If you are young, hale and hearty you should buy a health insurance plan now to get lower premiums. Secondly, if you do not make claims post buying a health insurance cover you get cumulative bonus, which gives you hike in sum insured without charging extra premium as a reward for staying fit. Thirdly, every health policy comes in with waiting period, so if you buy health insurance while you are young your waiting period gets over during the initial years. Later, if you have any disease your policy covers you seamlessly. Lastly, looking at the pandemic situation it’s not wrong to say that any one at any point of time may need hospitalisation if not due to ailment may be due to an accidental injury; hence it’s important to stay prepared.

How to Choose the Right Health Insurance Plan

Every time you look for a health insurance plan, you wonder which is the best health insurance plan? How to choose the best health plan online? What coverage should it have? To answer all your queries let’s read more to 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 the 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 to cover more than one hospitalisation that may happen in a year.

2

Affordability

If you wish to pay low premiums for health insurance plan then co-pay your hospital bills. You end up sharing the medical expenses with your health insurer hence you do not have to pay a heavy premium.

3

Vast Network of Hospitals

Always check if the insurance company has a wide list of network hospitals. If the nearest hospital or medical facility is listed by the insurance company it will help you avail cashless treatment. At HDFC ERGO, we have a huge network of 12,000+ Cashless Health care centers.

4

No Sub-limits Help

Usually your medical expenses depend upon your room type and disease. It is recommended to buy a health insurance plan that does not have sub-limits on hospital room rent so that you can choose the hospital room as per your comfort. Most of our policies also don’t imply disease sublimit; this is also an important factor one must keep in mind.

5

Check Waiting Periods

Your health insurance plan does not come into action while you are waiting period is not completed. Always check health insurance policies with lower waiting periods for pre-existing ailments and maternity cover benefits before buying a health insurance plan online.

6

Trusted brand

Always choose a health insurance company that has a good reputation in the market. You must also look at the customer base and claim paying ability to know if the brand will honor the claims that you may make in future.

protect against coronavirus hospitalization expenses
Protect Your Family Against Coronavirus
Hospitalization Expenses

Why is Having a Medical Insurance Plan is Crucial in Today's World

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 on your savings, 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.

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.

my: health Suraksha silver health insurance plan

We recommend you my: health Suraksha Insurance Silver with ECB and Rebound.

This affordable health insurance plan will offer you a large coverage. It will help you save tax as well. In future, you can add your spouse and child to this plan as well.

Rebound Benefit

Acts as a magical tool to bring back the exhausted sum insured covering future hospitalization that may happen in the same policy period. Therefore, you always hold double protection although you pay only for a single sum insured.

Enhanced Cumulative Bonus

If you do not make any claim, your sum insured is increased by 10% as a bonus or reward upto a maximum of 100%.

This is our most-recommended plan for all those who are just willing to buy their first insurance plan.

What do you get in this Health Insurance Plan?

  • No hospital room rent restriction
  • Cashless claims approved within 38*~ minutes

Even though your employer covers you, the freedom to customize it as per your growing need does not remain in your hands; additionally, if you ever quit your job then your health insurance cover ends. So, why risk your health cover with an employer, when you can easily get one for yourself.

my: health Suraksha silver health insurance plan

We recommend you my:health Suraksha Silver Smart

However, if you still feel that your employer’s health cover or existing health cover suits well then there is no harm in topping it up for a higher cover at a much lower premium.

medisure super Top-up health insurance plan

We recommend you health Medisure Super Top-up:

This health insurance plan gives you a much higher cover at a lower premium. It acts as a top-up to your existing health insurance.

Why choose Medisure Super Top-up Health Insurance?

  • Hospitalisation covers
  • Day care procedures
  • High cover at a lower premium

If you are looking for a family health insurance plan then go for our best selling health insurance plan that aims at securing your family’s growing medical needs.

my: health suraksha gold insurance plan

We recommend you Optima Restore Family Health Insurance

This health insurance plan will take care of your family’s growing medical needs by offering sum insured restoration benefit, so that you never run out of health cover. It also gives 2x multiplier benefit to get a increase in sum insured when you do not make claims.

Why choose Optima Restore Family Health Insurance??

  • 12,000+ Cashless network hospitals
  • Pre-hospitalisation for 60 days and post hospitalisation upto 180 days remains covered
  • Tax savings up to 1 lac****

We understand that you are deeply concerned about your parent’s growing age and willing to cover them. It’s important to gift then a health insurance plan, so that they don’t dig into their lifelong savings for paying hospital bills.

my: health suraksha silver insurance plan

We recommend you my:health Suraksha Silver

for your parents who may or may not be senior citizens. It is a simple no-fuss health insurance plan that gives all basic coverage at a premium that is pocket friendly.

Why choose my: health Suraksha Silver Health Insurance for Parents?

  • No room rent restrictions
  • Home health care for convenience
  • Alternative treatments covered like Ayurveda, Homeopathy, Unani and Siddha
  • Nearly 12,000+ Cashless hospitals
  • Hospitalisation, pre and post hospitalization expenses covered.

For all those confident and self-reliant women,

my: women health Suraksha silver health insurance plan recommendation

we have designed my:health Women Suraksha

to take care of women related 41 critical illnesses, cardiac ailments, and cancer cover.

Why choose my:health Women Suraksha?

  • Offers lump-sum benefit
  • Continue even after a minor illness claim is paid.
  • Includes almost all women-related ailments.
  • Extremely affordable premium.
  • Optional covers like loss of Job, Pregnancy & New-born baby complications, and Post-diagnosis support.

A single critical illness is enough to put a pause to your life be it due to the long treatment course or the financial requirements. We help you cover the medical expenses so that you focus only on recovering.

critical health insurance plan

We recommend you to buy a critical illness health insurance plan

for securing 15 major critical illnesses, which include stroke, cancer, kidney-liver failure, and many more.

Why choose HDFC ERGO Critical Illness Insurance?

  • Lump Sum payment in a single transaction
  • Helps in supporting in case of job loss
  • You can pay for your debts and fulfill financial responsibilities.
  • Tax benefits.

Am I Eligible to Buy a Health Insurance

When considering purchasing a health insurance plan, common questions that may arise include eligibility, required medical tests, and age criteria. However, these days it is easy to check your eligibility for a specific health insurance plan in India before making a purchase online.
At the time of buying a mediclaim policy, it's essential to disclose any prior health conditions you may have. This includes serious diseases, birth defects, surgeries, or cancers, not just common ailments like flu or headaches. Failing to do so may result in certain conditions being permanently excluded from coverage, or covered with a waiting period or additional premium. It's important to inform your insurance company about any pre-existing conditions to ensure full 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. However, 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 permanentexclusion, few are covered with a waiting period and few others are covered by charging additional premium with a waiting period. Also Read : Should you disclose pre-existing illnesses while buying health insurance?

2

Age

If you are above 18 years of age, 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. If you are a senior citizen,you can get yourself insured upto the age of 65 years. Also Read : Is there an Age Limit for Availing of Health Insurance ?

Buy Health Insurance Online – Secure Yourself In Just A Few Clicks

buy health insurance policy from anywhere, anytime

Convenience

Gone are the days when you wait for someone to come and explain the policy to make a buying decision. With digital trends taking over the world, buying a health insurance plan from anywhere across the globe helps you in saving time, energy, and effort.

secured payment mode

Secured Payment Modes

You do not have to pay premiums in cash or cheque for your health insurance plan! Go Digital! Simply use your credit/debit card or net banking services to make payments online through multiple secured payment modes.

instant quotes & policy issuance

Instant Quotes & Policy Issuance

You can instantly calculate the premium, add or remove members, customize plans, and check coverage online at your fingertips to buy a health insurance plan online.

 get instant policy documents

What You See is What You Get

You no longer have to wait for the physical health insurance policy documents. Your policy PDF copy comes right into your mailbox as soon as you pay the premium online and you get your policy within a few seconds.

instant quotes & policy issuance

Wellness & value added services at your finger tips

Get access to your policy documents, brochure etc in our my:health services mobile application. Download our wellness application to book online consultations, monitor your calorie intake and keep a track on your BMI as well.

How to Buy Health Insurance Online?

The easiest and most convenient way of buying the best health insurance is to purchase it online. Here’s how you can buy a HDFC ERGO health insurance policy online:

  • Visit the health insurance page of HDFC ERGO.
  • Right on top, you will find the form. Type your basic information such as contact details, the type of plan etc. Then click on view plans button
  • Once you have seen the plans, customize your policy by choosing the preferred sum insured, policy terms, and other information.
  • Choose an online payment mode and make the payment through our secure payment gateway.
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What is a Mediclaim Policy?

Mediclaim insurance

Mediclaim insurance is a type of insurance that provides financial coverage for medical expenses. It is designed to help individuals and families manage the costs associated with hospital stays, medical procedures, and other health care needs. The policy covers all hospitalization expenses, such as room and board, medication, and other treatments. It may also cover domiciliary expenses, which are costs associated with health care services received outside of the hospital, such as home health care or day-care procedures. The amount of coverage you receive depends on the sum insured that you have purchased. In some cases, you may need to provide proof of expenses, such as hospital bills or discharge reports, in order to be reimbursed.
Mediclaim insurance is sometimes referred to as health insurance, and the two terms are often used interchangeably. The coverage, claim settlement process, and additional benefits offered under a mediclaim policy are similar to those offered under a health insurance policy.
Under a mediclaim policy, you do not necessarily need to be hospitalized to receive benefits. For example, you may be able to receive home health care benefits without actually being hospitalized. Additionally, mediclaim policies often offer the flexibility to add family members, increase the sum insured, and add additional benefits as needed. Some policies may also offer co-payment options, which allow you to share the costs with the insurance company.
In conclusion, mediclaim insurance is a type of medical insurance that provides financial coverage for health care expenses. It is synonymous with health insurance and offers similar coverage, benefits, and flexibility. Also Read: Know the Difference between Health Insurance Policy and Mediclaim.

Features and Benefits Offered By The Best Health Insurance Plans in India

There are a plethora of options available in the market when it comes to buying health insurance but choosing the best health insurance plan in India is in your hands. Have you ever wondered why some insurance plans have a higher premium and low coverages, while some might have high coverages but a low claim settlement ratio? Finding a health insurance plan which offers comprehensive coverages and affordable premium is ideal, you can find them by researching online. Best health insurance plan must consist of the following:

1

Vast number of network hospitals

When you get admitted in a network hospital your claim process becomes very simple and quick. Always check if the insurance company has a wide list of network hospitals. If the nearest hospital or medical facility is listed by the insurance company it will help you avail cashless treatment.

2

Cashless hospitalisation facility

Having Cashless Health Insurance is must in India in today’s time. You do not have to worry about the bill as the hospital and the insurance company settles it internally.

3

Good claim settlement ratio

What is the use of having a health insurance policy when the claims continuously keep getting rejected? Hence the best health insurance plan in India must have a good claim settlement ratio.

4

Range of sum insured

Having a range of sum insured amount to choose from can be helpful as you can select the amount based on your requirement. Your sum insured amount must able to support you at the time of a medical emergency.

5

Customer reviews

Best health insurance policy is highly recommended by all the customers as they give remarkable reviews and ratings to the health insurance plan. You must go through the ratings and reviews available online for better decision making.

6

Home care facility

Medical science has advanced a lot and there are various diseases can be treated at home. Hence, the best health insurance plan in India must consist of home care facility as the medical expenses incurred at home are also covered.

Health Insurance Policy Documents

Brochure Claim Form Policy Wordings
Get details on various health insurance plans with their key features and benefits. Click here and visit the Health category to know more about HDFC ERGO health insurance policy covers. Want to claim your health insurance? Click here to download the health policy claim form and fill in the required details for faster claim approval and settlement. Please refer the policy wordings to know more about the terms and conditions under health insurance plans. Get more details on coverages and features offered by HDFC ERGO Health Insurance.
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Done Reading? Willing to Buy A Health Plan?
Go for it now!

Decoding Health Insurance Terms For You

1

Dependents

A dependent in health insurance is a person who is related to the policyholder. Any family member whom the insured wants to provide health insurance coverage to in their health insurance plan can be included as a dependent. In simple terms, a dependent is a person who is a family member or relative of an insured person.

2

Deductibles

Having This component of health insurance can reduce your policy premium, but it also means that you have to pay a fixed sum at the time of insurance claim. So, do read the policy documents for the deductible clause and choose the one that does not include it, until you are ready to bear the treatment cost.

3

Sum Assured

Sum assured is a fixed amount that is decided between the policyholder and the insurance company. The insurance company will pay the said amount in case of a medical emergency. It is a lump sum benefit in health insurance and can be used to pay any emergency related to a major medical event. This amount can be used to cover the cost of treatment or save some amount for the dependents.

4

Co-payment

A few health insurance plans have a co-payment or co-pay clause. It is a fixed percentage of a sum the policyholder has to pay to the insurance company before receiving the healthcare service. It is mentioned pre-decided and mentioned in the policy wordings, e.g. if someone agrees to pay 20% co-pay at the time of claim, for each time a medical service is availed, they have to pay that sum.

5

Critical Illness

Critical illnesses medical conditions refer to life-threatening medical diseases like cancer, kidney failure, and cardiovascular diseases. There are separate medical insurance plans that cover these illnesses. They can also be purchased as a rider or add-on cover for the same.

6

Pre-existing Diseases

Health issues like COPD, hypertension, diabetes, kidney problems, cardiovascular issues, and other underlying diseases are considered to be risk factors in terms of health insurance. Patients with pre-existing medical conditions as stated above are considered to be at a higher risk and are therefore charged a higher premium.

Here by HDFC ERGO - Seriously Helpful.

Here by HDFC ERGO

Are you tired of going to multiple people to clear your doubts? What if we tell you there's a solution that can help you make better decisions in life.

Here is the one-stop solution to your vehicle, health and insurance needs. From finding the right doctors, staying up-to-date with trending healthcare topics, getting special discounts to locating the closest fuel stops and garages, streamline big and small decisions Here.

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Access verified articles and videos on health topics, created by healthcare experts and doctors from around the world.

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Health Insurance Reviews & Ratings

4.4/5 Stars
rating

Our customers have rated us

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Amit Bawa

optimum secure

10 October 2023

Uttar Pradesh

I just wanted to put in a good word for Ali Abbas, who provided me with excellent customer support during my conversations with him that I had this week. Ali was patient, articulate, and very understanding, and my overall customer experience was top-notch during my interactions with him. Please do convey my appreciation to Ali.

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G GOVINDARAJULU

HDFC ERGO GROUP HEALTH INSURANCE

2 June 2023

COIMBATORE

My sincere thanks to your customer service executive Ms Meri who has helped me uploading the claims on your website.Her knowledgeable guidance was very helpful. Such help is very much appreciated for Senior Citizen like us. Thank you once again

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DEVENDRA KUMAR

EASY HEALTH

5 June 2023

BENGALURU

Very nice services, keep it up. Best wishes to team members.

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RISHI PARASHAR

OPTIMA RESTORE

13 Sep 2022

DELHI

Excellent service, nothing to complain about. You are number one in terms of service. My uncle suggested me to purchase insurance from you and I am very happy

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VASANT PATEL

MY:HEALTH SURAKSHA

12 Sep 2022

GUJARAT

I have a policy with HDFC and it has been a great experiense with HDFC team.

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SHYAMAL GHOSH

OPTIMA RESTORE

10 Sep 2022

HARYANA

The excellent services have helped me feel mentally very secured and at peace while undergoing treatment for these life threatening disease. Looking forward to the same excellent service in the future as well.

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Nelson

Optima Secure

10 Jun 2022

Gujarat

Thanks for calling me. The customer care executive was very articulate and systematic about various products of HDFC Ergo Health Insurance. It was great talking to her.

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A V Rammurty

Optima Secure

26 May 2022

Mumbai

Thanks for calling me and explaining to me in great detail the various features of Optima Secure and Energy Health Insurance Policies. The customer service executive was very articulate, systematic, and knowledgeable about various products of HDFC Ergo Health Insurance. It was great talking to him.

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Frequently Asked Questions on Health Insurance

Yes, having a separate individual health insurance plan is important. Your employee health insurance covers medical expenses only till the time you are working in the organization. Once you quit the company, your policy term ends. Keeping medical inflation in mind, it is important to buy personal health insurance as per your medical needs. Also, a corporate health plan is a common plan designed for all employees.

Health insurance portability helps you to change your health insurance plan without having to go through a fresh waiting period term. There is a smooth transfer from one insurer to another if your current plan is not sufficient to cover rising medical costs.

Network hospitals better known as cashless hospitals have an agreement with your insurance company, because of which you can avail cashless hospitalisation benefit. On the other hand, if you get treated In a non-network hospital, you have to pay the bills first and later  apply for reimbursement claim. So, it is always wise to buy a health insurance company which has a large network hospital tie-up.

Cashless hospitalisation is a procedure in which the policyholder doesn't have to pay medical expenses out of his pocket in case they are admitted to a hospital or have undergone a surgery. However, there are certain deductibles or non medical expenses at the time of discharge, which are not included in the policy terms, have to be paid at the time of discharge.

In case you have to undergo a surgery, there are certain pre hospitalization expenses such as diagnosis cost, consultations etc Likewise, post the surgery, there could be expenses to monitor the health of the policyholder. These expenses are known as pre and post hospitalization expenses.

You can file multiple numbers of claims during a policy term, provided it is within the limit of the sum insured. A policyholder can get coverage up to sum insured only.

Yes, it is possible to buy more than one medical insurance plan. This entirely depends on an individual’s necessity and coverage requirements.

Yes, you can claim medical bills in health insurance, as long as it is within the sum insured. For more information, read the policy wording document.

It usually takes approx.7 working days in settling a claim if documents are in order.

You can check your claim status through self-help portals or mobile apps extended by insurers.

There may be a few medical tests that needs to be taken before buying health insurance. For some health insurance policies, the medical tests are required if there are pre existing illnessed or if someone is above 40 years of age.

At the time of purchasing or renewal of your health insurance policy, you can add your family members.

Yes, children can be added to your health insurance plan. They can be added post 90 days of birth up to the age of 21 or 25 years. It varies from company to company, so please go through plan eligibility from the product brochure.

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 a health insurance when you are young is important.

Yes. You can always have more than one health insurance plan based on necessity and coverage requirements as every plan works differently and offer varied benefits.

The time span during which you cannot raise a claim to avail some or all benefits of the health insurance from your insurance provider for a specified illness is known as waiting period. So, basically, you have to wait for a specified amount of time before you request for a claim.

During this free look period, you have the option of canceling your policy without penalty if you feel your policy is not beneficial. Depending on the insurance company and the plan offered, the free look period can be 10-15 days or even longer. Click here, to know more on free look period.

Network hospitals better known as cashless hospitals have an agreement with your insurance company, because of which you can avail cashless hospitalisation benefit. On the other hand, if you get treated In a non-network hospital, you have to pay the bills first and later  apply for reimbursement claim. So, it is always wise to buy a health insurance company which has a large network hospital tie-up.

When a policyholder is in a condition that he/she cannot be admitted to a hospital or the treatment is taken at home due to non-availability of room in the hospital, it is known as domiciliary hospitalisation

In case of a hospitalization cover we cover expenses like pre and post hospitalization expenses for your diagnostic tests, consultations and medicine costs. We also cover ICU, Bed charges, medicine cost, nursing charges and Operation theatre expenses widely.

There is no right or wrong age to buy a health insurance policy. However, it is recommended to buy a health plan early to get lower premiums. Once you turn 18 years old, you can buy a health insurance plan for yourself. Before that a family health insurance plan can cover your healthcare expenses.

No, a health insurance policy cannot be purchased by a minor. But they can be covered under the a family floater health insurance bought by their parents

In case you get admitted at a non-network hospital have to pay the bills from your pocket first and later raise a reimbursement claim from your insurance company. However, your health insurance company will provide reimbursement only up to the amount of Sum Insured. 

Yes. Most health insurance plans cover diagnostic charges during hospitalization, pre-hospitalization and post discharge as well.

All HDFC ERGO health insurance plans cover diagnostic charges during hospitalization, pre-hospitalization and post discharge as well.

Yes. Once your specified waiting period is over you will get coverage for your pre-existing illnesses. Read this blog, to know more on coverage for pre-existing diseases.

You need to check your policy document and enroll your family members by mentioning their name and age to get them covered.

Buying online health insurance is no different than purchasing it offline. In fact buying online health insurance is quick and hassle-free. A cashless card via courier/postal services is provided to you. To know more, visit the company website or dial customer care number.

Important medical expenses such as blood investigations, diagnostic charges such as CT scan, MRI, sonography etc. are covered. In certain cases, hospital room rent, bed charges, nursing charges, medicines and doctor visits etc can also be covered.

Yes. It depends on the policy terms and conditions. However, most health insurance companies offer coverage for modern treatments and robotic surgeries.

Yes. Your HDFC ERGO Health Insurance Policy covers hospitalization expenses for Corona Virus (COVID-19). We will pay the below medical expenses for hospitalization during the policy period for treatment of COVID-19:

In the event you are admitted to a hospital for over 24 hours, your medical bills would be covered by us. We would take care of:

• Stay Charges (Isolation Room / ICU)

• Nursing charges

• Treating Doctor Visit Charges

• Investigations (Labs/Radiological)

• Oxygen / Mechanical Ventilation Charges (if required)

• Blood / Plasma Charges (if required)

• Physiotherapy (if required)

• Pharmacy (except non-medicals/consumables)

• PPE Kit charges (as per government guidelines)

No, home isolation is not covered in our Health policies. You can only file a claim for medical treatment undertaken at a hospital or nursing home. The treatment should be on the advice of and be actively managed by a qualified doctor.

The testing charges will only be covered in case of hospitalization for each insured member(s) covered under the policy.

It can be done. An endorsement request needs to be raised by the policyholder for a change in nominee details.

Does not worry if your policy expires during hospitalization because you get a grace period of 30 days post the policy lapse. However, if you do not renew your policy within the grace period and hospitalization happens post grace period then you will have to pay for the medical expenses.

At the start of every health insurance policy, waiting periods are applied. This doesn't change with renewal. However, with every renewal , the waiting period is waived off until you reach a time when you have no waiting period and the coverage includes most of the treatments.

If your child is an Indian citizen, then you can purchase a health insurance policy. If not, you should opt for student travel insurance for your child.

Tobacco users are prone to higher health risks. If tobacco is consumed in any form, the chances of an individual developing some health issue later in life is higher, and this means you might have to claim the treatment cost. So, these individuals are categorized as high-risk by the insurance company and high premiums are charged from them.

The bonus/ reward that one gets for remaining fit and not filing a claim is known as a cumulative bonus. The cumulative bonus benefit is given in the renewal year by increasing the sum insured amount only up to a certain year for every claim-free year. This helps you to get a higher Sum Insured without paying anything extra.

Many companies may offer a family discount if you cover 2 or more family members under a single health plan on an individual sum insured basis. Even long term policy discounts can be availed on buying health insurance for more than 2-3 years. Some insurers also give fitness discounts on renewals.

No. Only Indian citizens can purchase Health insurance plans in the country.

If a health insurance plan is cancelled within the free look period ,you will get your premiums refunded, after adjusting underwriting cost and pre-acceptance medical costs, etc.

Yes. There is a pre-decided agreement between your health insurance company and network hospitals and hence cashless treatment facility is available at every network hospital.

You can raise a claim as many times you want, until you exhaust your sum insured amount. The best way is to buy plans that help you by restore the sum insured once it gets exhausted. This helps you register more claims in a year.

Yes. A pre-authorization request for cashless claim can be rejected if the policyholder files a claim for an ailment/disease which is either excluded, falls in waiting period or if the sum insured has been already used up.

In case of reimbursement claims, the insurance company needs to be informed within a period of 30 days post discharge.

The percentage of the number of claims that the insurance company paid out during a financial year out of the total claims incurred is known as claim settlement ratio (CSR). It reflects if the insurer is financially secured enough to pay for its claims.

Your policy period continues as usual, but the amount you claimed for gets deducted from your sum insured. Post renewal of the health insurance plan, your sum insured again gets back to the amount you had opted for at the time of renewal.

It depends on the policy terms and conditions. Say, if you have a health cover of ₹1 crore, this helps you take care of all the possible medical expenses.

A cashless claim request can be raised by contacting the insurance department at the network hospital or your health insurance company. For reimbursement claims, post discharge, you need to send the invoices to your insurance provider.

Within 30 days post-discharge. A claim should be raised with the insurance provider as soon as possible, without any delay.

Mediclaim process is the modern day reimbursement process, wherein you raise a claim post discharge by submitting original invoices and treatment documents.

Waiting periods depend on the policy terms and conditions. There is a waiting period for specific ailments/diseases which could be for 2-4 years.

You can visit www.hdfcergo.com or call our helpline 022 62346234/0120 62346234 Read more on how to claim health insurance for covid-19 here.

Whenever you get admitted at a non-network hospital you have to pay the bills first and later claim for reimbursement. HDFC ERGO has nearly 12000+ˇ cashless network.

The following documents required:

1. Test reports (from Govt Approved Laboratories )

2. Bills for the tests underwent

3. Discharge summary

4. Hospital bills

5. Medicine bills

6. All payment receipts

7. Claim form

Original documents to be submitted

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.

You can renew health insurance policies within a few minute. Click here to renew instantly.

Yes. You can port your health insurance policy with any other insurer without impacting your waiting periods.

Waiting period is fixed at the inception of the policy it is not dependant on the sum insured. Hence, even if you increase your sum insured your waiting period continues until you keep renewing to get away with the waiting period term.

Yes. If you have not made claims then you get a cumulative bonus, which is increase in sum insured without paying for the same. You can also get fitness discount if your health parameters such as BMI, diabetes, Blood pressure is improved.

Possibly yes. If you have not renewed your policy within the grace period then there are high chances that your policy may lapse.

Yes. You can add or remove optional/add on cover at the time of renewal. This is not permitted during the policy tenure. Read this blog for more information.

Usually it takes not more than 5 minutes but you need to keep details such as your policy number and other information ready.

You get a grace period of 15-30 days to renew your health insurance policy. You need to renew within that period. But, if your grace period is also over then your policy will expire. Then, you have to buy a new policy with a fresh waiting period and other benefits.

Awards & Recognition

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BFSI Leadership Awards 2022 - Product Innovator of the Year (Optima Secure)

ETBFSI Excellence Awards 2021

FICCI Insurance Industry
Awards September 2021

ICAI Awards 2015-16

SKOCH Order-of-Merit

Best Customer Experience
Award of the Year

ICAI Awards 2014-15

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CMS Outstanding Affiliate World-Class Service Award 2015

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iAAA rating

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ISO Certification

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Best Insurance Company in Private Sector - General 2014

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