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HDFC Ergo Health Insurance Plan

HDFC ERGO offers the best health insurance plans with a wide range of benefits for you and your family. Our comprehensive health insurance plans are available at the best prices, backed up by a network of over 6000 hospitals, and come with features like Enhanced No Claim Bonus, flexible payment options and cashless hospitalization facility. These health insurance plans cover hospitalization in cases of accidents or sickness along with pre and post hospitalization expenses, day care procedures, domiciliary treatment and other expenses.

Buy any HDFC ERGO’s health insurance plan in just a few clicks and secure your family's health and well-being.

Health Insurance Plan offered by HDFC ERGO

How do you make a strong health insurance cover portfolio?
HDFC ERGO offers two types of Health Insurance plans to choose from as shown below.

Indemnity Health Insurance plans:
Indemnity insurance compensates the policy holder for the actual financial losses, even if the actual sum insured of the policy is higher. However, the cover amount can be utilized multiple times maximum up to the sum insured. Indemnity covers the listed expenses, like in case of a Health insurance policy, which covers:

  • The hospital room rent costs
  • Doctor’s fees
  • Operation theatre charges
  • Pre- & post- hospitalization charges etc

This is in contrast to, a lump-sum benefit plan, where the amount of the insured’s financial loss is not the criteria for insurance payout.

HDFC ERGO offers an array of indemnity products under Health Plans.

Health Plans

Type Of Plan : Indemnity Benefit
Benefits Silver Silver Regain and Enhancement Cummulative Bonus(ECB) Gold Gold Regain and Enhancement Cummulative Bonus(ECB) Super Top Up Classic
In-patient Treatment
Day Care Procedures
Domiciliary Treatment
Organ Donor
Emergency Ambulance
AYUSH Benefit
Cumulative Bonus
Medical Checkups
Regain Benefits
Maternity Benefit
Enhanced Cumulative Bonus
E Opinion for Critical Illness
Convalescence Benefit
High Deductible
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Lump-sum benefit Health Insurance plans:
With lump-sum benefit plans, the entire sum insured is paid on occurrence of the covered event. Like in case of critical illness benefit plan, the entire sum insured amount is paid in lump sum on first diagnosis of the any one of the listed critical illnesses. This plan is intended to support the insured where there are miscellaneous costs such as

  • Rehabilitation or physiotherapy
  • Follow up medical investigations & diagnostic tests
  • Any aids or purchases like ergonomic furniture & house modification
  • Dietary supplements
  • BP monitoring machines, etc. Incurred when diagnosed with these life-threatening diseases.

The amount can be utilized by the policy holder for debt payments, any loss of income, etc. HDFC ERGO’s Lump sum benefit plan for Critical illness is as displayed below:

Critical Illnesses

Type Of Plan : Lump-Sum Benefit Plan
Critical Illness Covered Silver Platinum
1. Heart attack ( Myocardial Infarction)
2. Coronary artery bypass surgery
3. Stroke
4. Cancer
5. Kidney failure
6. Major organ transplant
7. Multiple sclerosis
8. Paralysis
9. Aorta Graft surgery
10. Primary pulmonary Arterial Hypertension
11. Heart Valve Replacement
12. Benign Brain Tumor
13. Parkinson's Disease
14. Alzheimer's Disease
15. End stage Liver Disease
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1. Why do I need health insurance?

With the advancement in technology, treatments and the availability of more effective medicines has driven up the cost of healthcare. 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.

2. What are the benefits of having a health insurance policy?

Having a health insurance policy covers any expenses you might incur due to hospitalization. This includes in-patient treatments, pre and post hospitalization charges, day care procedures, domiciliary treatments, etc. for additional details, head to the product page where the benefits are explained in detail.

3. Is it possible to apply for the policy online?

All HDFC ERGO 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.

4. What kinds of policies are available for a health insurance plan?

HDFC ERGO provides a number of flexible health insurance policies that you can choose from based on your needs and requirements.
o The Health Suraksha plan from HDFC ERGO provides cover for in-patient treatment costs, pre-hospitalization and post-hospitalization expenses, and such other major expenses.
o The Health Suraksha Gold plan is an economical plan providing a cover for in-patient treatment costs, pre-hospitalization and post-hospitalization expenses without sub limits, maternity benefits, convalescence benefits and E-opinion.
o The Health Suraksha Regain plan gives the additional benefits of automatic availability of sum insured upon its exhaustion offering you financial security with no sub-limits

5. What other policies are available?

There are a number of policies also available in addition to your health insurance policy
o The my:health Medisure Super-Top-Up plan is designed to not only supplement your existing primary health cover but also can act as standalone insurance providing large health cover at lower premiums
o The Critical Illness policy assures a right insurance policy in your hand which pays a lump sum benefit amount on the first diagnosis of any of the critical illness listed
o The Critical Illness Platinum policy is your perfect savior covering 15 Critical Illnesses and providing a Lump Sum Benefit amount on its first diagnosis.

6. How do I know which policy is best for me?

Selecting the best suited policy for you has never been easier. Simply take a look at the table above to see all available options & select the one that fits your needs best.

7. How can I find how much premium I will have to pay?

The premium for health insurance depends on factors like plan type, tenure of the plan, age, health adversities if any, sum insured, number of members covered, etc. There is an online premium calculator available on our website which you can use to calculate the amount payable for various health insurance policies.

8. Is there any limitation on age at entry for health insurances?

HDFC ERGO’s health insurance plans are open to children from the age of 91 days. There is no limit for maximum age at entry.

9. What is the procedure for claim settlements?

The procedure to be followed for a claim settlement:
i. You need to register your claim within 7days of discharge.
ii. The duly signed claim form and all the information/documents required need to be sent within 15days of the occurrence of the Incident. (Please refer to claim form for complete documentation.)
iii. If there is any deficiency in the documents/information submitted, you will receive the deficiency letter within 7days of receipt of the claim documents.
iv. On receipt of the complete set of claim documents, the payment for the admissible amount will be sent, along with a settlement statement within 30days.

(The payment will be sent in the name of the proposer.)

10. How can I find hospitals where I can avail the cashless facility?

HDFC ERGO has a network of over 6000 hospitals which will provide you with cashless facilities. You will be provided a list of all the associated hospitals. You can also use our hospital locator to find all the associated hospitals in your area.