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 12,000+ Cashless Hospitals by HDFC ERGO
12,000+

Cashless Network**

97% Claim Settlement Ratio by HDFC ERGO
97% Claim

Settlement Ratio^^^

₹7500+ Cr claims Settled till now by HDFC ERGO
₹7500+ Cr claims

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Home / Health Insurance / Health Insurance For Individual

Individual Health Insurance Plans

Individual Health Insurance Plans Plan by HDFC ERGO

An individual health insurance plan secures one from financial distress during medical emergencies or hospitalisation. Depending on your specific health requirements, you should select the most suitable plan offering extensive coverage for emergency medical expenses, hospitalization, day care procedures, road ambulance services, alternative treatment, and organ donor expenses. HDFC ERGO Optima Secure is one such plan that boasts a vast network of hospitals and superfast processing times, ensuring you receive the best treatment within minutes.

Buy HDFC ERGO Individual Health Insurance Plan
Buying Optima Secure is now easier with our No cost installment*^ plans!

Compare our Best Individual Health Insurance Plans

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

    Optima Secure

  • my:Health Suraksha Individual Health Insurance Plans by HDFC ERGO

    Optima Restore

  • Optima Secure Individual Health Insurance Plans by HDFC ERGO

    my:health Suraksha

  • Medisure Super Top Up for Individual Health Insurance by HDFC ERGO

    my:health Medisure Super Top-up

Just launched
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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.@
tab1
Optima Restore
Cashless hospitals network
12,000+ 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.
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.
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Why Choose Individual Health Insurance?

Why Choose HDFC ERGO health insurance

Our Individual health insurance plans are designed keeping in mind the growing medical needs and rising inflation.

Cashless Claim Service by HDFC ERGO
Cashless Claim Service
12,000+ Network** by HDFC ERGO
12,000+ Cashless Network**
4.4 Customer Rating for HDFC ERGO
4.4 Customer Rating
2 Decades of Serving Insurance by HDFC ERGO
2 Decades of Serving Insurance
#1.5 Crore+ Happy Customers of HDFC ERGO
#1.5 Crore+ Happy Customers
Get Insured

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
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Address

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

Roopali Medical
Centre Private Limited
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Address

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

Jaslok Medical Centre
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Address

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

Understand Coverage Offered by Individual Health Insurance Policies

Hospitalisation (including COVID-19) Coverage by HDFC ERGO Health Insurance

Hospitalisation (including COVID-19)

We cover all your hospitalisation expenses arising from illnesses and injuries seamlessly. Most importantly, the Optima Secure plan includes treatment costs for Covid-19 as well.

Pre and Post Hospitalisation Coverage by HDFC ERGO Health Insurance

Pre and Post Hospitalisation

Instead of 30&90 days availed normally, get 60 & 180 days pre and post hospitalisation medical expenses covered.

All Day Care Treatments Coverage by HDFC ERGO Health Insurance

All 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.

Preventive Health Check-Up at No Cost Coverage by HDFC ERGO Health Insurance

Preventive Health Check-Up at No Cost

Prevention is certainly better than cure and that’s why we offer a free health check-up on renewing your health insurance policy with us.

Emergency Air Ambulance Coverage by HDFC ERGO Health Insurance

Emergency Air Ambulance

Optima secure plan is tailored to reimburse the cost of air ambulance transport upto ₹5 lacs too.

Road Ambulance Coverage by HDFC ERGO Health Insurance

Road Ambulance

Optima Secure plan covers road ambulance cost upto the sum insured.

Daily Hospital Cash Coverage by HDFC ERGO Health Insurance

Daily Hospital Cash

Get daily cash of ₹800 per day up to a maximum of ₹4800 on hospitalisation, as out-of-pocket expenses under Optima Secure Plan.

E Opinion for 51 illnesses Coverage by HDFC ERGO Health Insurance

E Opinion for 51 illnesses

Avail e-Opinion for 51 Critical Illnesses through network provider in India under Optima Secure plan.

Home Healthcare Coverage by HDFC ERGO Health Insurance

Home Healthcare

We will pay for the medical expenses incurred by you on home hospitalisation, if advised by the Doctor on cashless basis.

Organ Donor Expenses Coverage by HDFC ERGO Health Insurance

Organ Donor Expenses

We cover medical expenses for harvesting a major organ from the donor’s body where insured is the recipient.

Alternative Treatments Coverage by HDFC ERGO Health Insurance

Alternative Treatments

We cover treatment costs upto the sum insured towards in-patient care for alternative therapies like Ayurveda, Unani, Siddha, Homeopathy, Yoga and Naturopathy.

Lifelong Renewability Coverage by HDFC ERGO Health Insurance

Lifelong Renewability

Optime Secure plan has your back. Our health insurance policy covers your medical expenses for a lifetime on break free renewals.


Please read the policy wordings, brochure and prospectus to know more about my Optima Secure.

Adventure Sport Injuries Coverage by HDFC ERGO Health Insurance

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.

Breach of Law Coverage by HDFC ERGO Health Insurance

Breach of Law

We do not cover expenses for treatment directly arising from or consequent upon any insured person committing or attempting to commit a breach of law with criminal intent.

War Coverage by HDFC ERGO Health Insurance

War

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

Excluded Providers Coverage by HDFC ERGO Health Insurance

Excluded Providers

We do not cover expenses incurred towards treatment in any hospital or by any Medical Practitioner or any other provider specifically excluded by the Insurer. (Contact us for list of de empanelled hospital)

Congenital external diseases, defects or anomalies, Coverage by HDFC ERGO Health Insurance

Congenital external diseases, defects or anomalies,

We understand that treatment towards congenital external disease is critical however, we do not cover medical expenses incurred for Congenital external diseases defects or anomalies.
(Congenital diseases refer to birth defects).

Treatment for Alcoholism & Drug Abuse Coverage by HDFC ERGO Health Insurance

Treatment for Alcoholism & Drug Abuse

Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof remains uncovered.

How Does an Individual Health Insurance Policy Work?

When an individual health insurance is purchased, the policyholder gets into a contract with the insurer. The agreement mentions that the insurer will cover your healthcare costs as per the sum insured, and according to the policy terms. In return, the policyholder has to pay premium regularly.

For example, you have purchased the best health insurance policy with a sum insured of Rs. 10 lakhs. After buying the policy if you are hospitalised, the insurer will be responsible to pay the hospital bills as per the terms and conditions of the policy.

Now, suppose the hospital bill was Rs. 4 lakhs. Your insurer will settle the bill with the hospital, and now your sum insured for the year will be reduced to Rs. 6 lakhs.

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  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.

Calculate BMI
The higher your BMI, the higher your risk for certain diseases. Check it out now!

Save Tax with Individual Health Insurance Policy

Tax Benefits on Single Premium Medical Insurance Plans

As per the recent Income tax laws, the health insurance premium paid for a multi-year plan in the lump sum is eligible for a tax deduction under Section 80D. And the tax-deductible amount will be based on the total premium paid for the policy term. This will be subjected to the limits of Rs. 25,000 or Rs. 50,000 as per the case may be.

Deduction on preventive health check-ups

In addition to the hospitalization expenses, tax exemption benefits are also provided on the out-patient department or OPD consultation charges as well as expenses incurred on diagnostic tests. You can avail tax benefits on cash payments also. Unlike other medical expenses that require payments either through debit/credit cards, cheques, or internet banking to avail tax exemption benefits.

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.

Things to Look at When Buying an Individual Health Insurance Plan

Every time you look for a health insurance plan for yourself, you wonder which is the best health insurance plan for you. 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. You could also buy my:health Suraksha health insurance that offers instalment payment facility on monthly, half yearly, quarterly and annual basis.

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 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 Yourself Against Coronavirus
Hospitalization Expenses

Am I eligible to buy a Health Insurance Plan?

Often, when we you think of buying a health insurance plan, the first thing that may come to your mind is that whether I am eligible to buy this health insurance plan? Will this particular medical insurance plan require some medical tests? Alternatively, do I have to fulfil 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.

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.

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.

Check Health Insurance Premium for HDFC ERGO Individual Health Insurance Plans
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Why Buy Individual Health Insurance Online?

Convenience of Applying HDFC ERGO Health Insuracne Online

Convenience

You can sit on the couch lazing around and browse through the internet and look for plans. You save your time and effort by visiting an insurance company’s office or an agent visiting your place. You can make secured transactions from anywhere and anytime. Also, the policy wordings are available online for you to read the fine print to avoid any last moment surprises.

Secured Payment Modes for HDFC ERGO Online Health Insurance

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 for HDFC ERGO Online Health Insurance

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.

Have the policy document handy for HDFC ERGO Online Health Insurance

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.

Absolute transparency for HDFC ERGO Online Health Insurance

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 Much Individual Health Insurance Coverage Should You Have?

Mediclaim insurance

If you are purchasing health insurance for yourself, then you probably should opt for a coverage amount equivalent to at least half of your annual income. For instance, if your annual income is Rs 6 lakh, then you must opt for a health insurance cover of at least Rs 3 lakh.

But, healthcare costs have increased enormously in the last few years. Hence, opting for a lower health cover, even if it is equivalent to 50% of your salary, may not be sufficient. So, insurance experts advise people to opt for a minimum health insurance cover of Rs 5 lakh to cover their medical expenses comfortably.

Additionally, if you buy insurance in your early 20s, the chances of raising a claim are lower and because of this you will be able to increase your sum insured at no extra cost with the help of a cumulative bonus on every claim-free year.

How to Buy an Individual Health Insurance Policy Online from HDFC ERGO

  • Log on to www.hdfcergo.com and navigate to the health insurance section.
  • Under the health insurance section, choose between the policies based upon the requirement and the scope of coverage that each policy extend.
  • After you have selected the type of policy that you would like to purchase, the next step is to click on the buy online tab which will direct you to a secure webpage. Continue further only if your browser is in a secure mode, as you will be providing critical information.
  • The next step will allow you to determine the insurance premium that you will be required to pay for the policy coverage. The health insurance premium calculator will require key details such as types of insurance i.e. individual/family, floater, desired sum insured and date of birth of the applicant in order to arrive at the premium amount.
  • The next step entails the filling of personal details such as name, correspondence address, contact details and a history of ailments or diseases.
  • This will lead to the secure payment gateway, wherein you make the necessary payment for the mediclaim policy you have chosen.

Health Insurance Reviews & Ratings

4.4/5 Stars
rating

Our customers have rated us

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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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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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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 Individual Health Insurance

Even if you have an employer health insurance plan for family, you will need a separate health insurance plan. The insurance offered by the employer is valid only till you work in the organisation and generally, group plans provide basic coverage.

Health insurance portability ensures that you do not have to go through a fresh waiting period when you change the insurer. With portability, you can easily change your insurer without losing any benefits.

A pre-existing disease is an injury or illness that you already have while buying the policy. Typically, insurers offer coverage for pre-existing diseases only after the waiting period.

There are many expenses related to hospitalisation. Before you get admitted, you have to consult a doctor and get diagnostic tests done. A similar process is followed after discharge. The expenses preceding and after hospitalisation are known as pre and post-hospitalisation expenses.

Yes, a medical examination is required when you buy family health insurance. However, some policies do not require examination if you are below a certain age limit.

Yes, you can add family members while buying the policy or at the time of renewal.`

You can include your children in family health insurance after 90 days of birth and up to 21 years at the time of renewal.

The younger the applicant, the lower is the premium of health insurance. You also get more benefits when you buy insurance at a young age.

Yes, you can have more than one health insurance policy depending on the needs of your family.

Waiting period is the time span when the policyholder cannot avail some or all the benefits related to a specific illness.

The free look period is the time span within which you can cancel your policy without any penalty. Generally, the free look period ranges from 10 days to 15 days depending on the insurer.

Insurance companies have several hospitals in their network. You can get cashless treatment only in network hospitals. If you opt for a non-network hospital, you will have to clear the hospital bill and then you can claim reimbursement from the insurer.

If the insured person cannot be taken to the hospital due to his/her medical condition or the treatment is taken at home due to non-availability of hospital bed, it is known as domiciliary hospitalisation.

Expenses like pre and post hospitalisation, diagnostic tests, medicine and consultation costs are covered under basic hospitalisation.

The younger you get health insurance, the better. You can get health cover after the age of 18. Below the age of 18, one can get covered under family health insurance.

A minor cannot buy health insurance individually, however, parents can cover a minor under family health insurance.

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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