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About HDFC ERGO Health Insurance

HDFC Ergo General Insurance Company is a leading name in the general insurance industry. The company has been established as a joint venture between HDFC Limited and ERGO International AG. While HDFC Limited is a leading financial services company of India, ERGO International AG is the main insurance company of the Munich Re Group. HDFC Ergo offers a range of general insurance products which meet the insurance requirements of common individuals as well as corporate entities. You can find motor insurance plans, travel insurance plans, fire insurance plans, commercial insurance plans and health insurance plans offered by HDFC Ergo. All the company’s plans provide a good scope of cover and come with competitive premiums

  • The company is spread across more than 100 cities of India with 120+ branches and 3000+ employees working for it
  • ICRA has conferred the company with a rating of ‘iAAA’ because of the high claim settlement record that the company has
  • The company also enjoys ISO certification for its efficient services in customer service, policy issuance, technological developments, etc.
  • The company has won various awards over the years since it was established
  • More than 1 crore customers are currently being served by HDFC Ergo

HDFC ERGO Claim Settlement Ratio




Industry Average

Health claim settlement ratio is the percentage of claims settled against the total claims received by the insurance company in a given fiscal year. HDFC ERGO has a claim settlement ratio of 99.39%, as compared to the industry average of 94.21%.

HDFC ERGO Health Insurance Plans Overview

HDFC ERGO health insurance offers 5 health insurance plans. The premium of these plans starts from Rs. 1100/yr. The sum insured ranges from Rs. 3 Lakh - 1 Cr. Details of the comprehensive coverage provided by the following 5 HDFC ERGO health insurance plans are listed below:

HDFC ERGO Health Suraksha Policy

Starting Premium- 6,019/Yr

Eligible Age

91 days onwards


3 Lakh - 75 Lakh

Eligible Age

91 days onwards


8 Lakh - 15 Lakh

Eligible Age

91 days - 65 years


3 Lakh - 10 Lakh

Top Features From HDFC ERGO Health Plans

Key features of HDFC Ergo health insurance plans

  • A range of health insurance policies is issued by the company. You can buy a policy to cover yourself, your family members and also dependent senior citizen parents
  • Critical illness policy is also offered by the company which covers a list of critical illnesses and pays a lump sum benefit on their diagnosis
  • Personal accident plans are also available which cover accidental injuries and pay a lump sum benefit at the time of claims
  • All health plans offered by the company allow lifelong renewals
  • There are optional coverage benefits too which can be added to your policy for a more inclusive scope of cover

Benefits of HDFC Ergo medical insurance plans

  • The company offers you round the clock assistance for your grievances and product related queries
  • 90% of the pre-authorised cashless claims which are made under HDFC Ergo health insurance plans are approved by the company within 20 minutes. This ensures that your claim settlement is easy and quick
  • HDFC Ergo health insurance plans offer the facility of a Wellness Application which can be downloaded on your Smartphone. This application helps you lead a healthy lifestyle and also rewards you for doing so
  • HDFC Ergo medical insurance policies are issued online without the need of lengthy paperwork. This makes buying the policies an easy affair
  • The company has a network of more than 10,000 hospitals across India to cater to cashless claim settlements

Coverage benefits

  • Inpatient hospitalisation expenses which include the cost of room rent, doctor’s fee, nurse’s fee, treatment costs, etc.
  • Pre hospitalisation expenses
  • Post hospitalisation expenses
  • Daycare treatments
  • Cost of road ambulance
  • Domiciliary treatments which are taken at your home
  • Organ donor treatments where the cost of harvesting the organ is covered
  • Free health check-ups at specified intervals during the policy

Exclusions Across HDFC ERGO Health Plans

  1. Pre-existing illnesses are not covered from the start of the policy. They are covered after a specified waiting period
  2. Illnesses incurred within the first 60 to 90 days of buying the policy are not covered
  3. Pregnancy-related costs and expenses are not covered unless they are specifically included in the plan’s coverage benefits
  4. Cosmetic treatments, LASIK surgery, dental treatments, etc. are not covered
  5. Unproven and experimental treatments are not covered
  6. Self-inflicted injuries and attempted suicides are excluded from coverage
  7. Injuries or illnesses due to war, radiation, nuclear contamination, etc. are not covered
  8. Participation in defence-related activities or any other hazardous activities would not be covered
  9. HIV/AIDS and other sexually transmitted illnesses are not covered

HDFC ERGO Premium Calculator

Use the HDFC ERGO health insurance premium calculator to estimate your health insurance premiums.

Premium Calculator

Enter just a few details to calculate your health insurance premium within 30 seconds.

HDFC ERGO Customer Care

Customer Care Number

HDFC ERGO Claim Process

HDFC ERGO supports both cashless claims and reimbursement claims. This section covers the information on how to check HDFC ERGO health insurance claim status, fill HDFC ERGO health insurance claim form, and the claim settlement process.

  1. Hospitalization : Find out to locate nearest network hospital
  2. Avail Cashless Hospitalization & Submission of Documents by showing your health card and valid photo ID
  3. Preauthorization: Hospital will send the cashless request to HDFC ERGO and coordinate with with Network Hospital for the Pre-authorisation form
  4. At the time of Discharge & Settlement of claim : HDFC ERGO/ TPA will scrutinize all the received documents and convey the final stand on the claim
  5. Status Update: You will receive an update through SMS/Emails at every stage of the claim on your registered mobile number or email id
  6. Cashless authorisation & Approval of Claim: Hospital shall send the final bill to HDFC ERGO for authorisation and HDFC ERGO shall scrutinize the same and give final authorization in case of approved transactions to the hospital. Any inadmissible expenses, copayments, deductions will have to be paid by Customer

  1. Hospitalisation: You need to pay the bills initially and preserve the original invoices
  2. Register A Claim: Post hospital discharge send us all your invoices and treatment documents
  3. Verification: verify your claim related invoices and treatment documents
  4. Claim Settlement: We send the approved claim amount to your bank account.

HDFC ERGO Health Insurance Renewal Process

Online Process For HDFC ERGO Health Insurance Renewal

Here are 3 quick steps to renew HDFC ERGO health insurance online

Step 1: Visit their website www.hdfcergo.com and click on "RENEW"
Step 2: Enter either your policy details, registered email id or your mobile no. and click on ‘Renew Now’ to proceed
Step 3: Make the payment for policy renewal via your preferred mode of payment

You should consider renewal as an opportunity to carefully review all policy details and make necessary adjustments as per your needs. Please note that you can renew your expired policy within 30 days from expiry date

Offline Process For HDFC ERGO Health Insurance Renewal

For the offline method of renewing your HDFC ERGO Health Policy, you can call on 022-62346234/ 0120-62346234 or visit their nearest branch.
You can also reach out to your nearest Turtlemint insurance advisor who can assist you in quick renewal of your policy. Visit www.turtlemint.com now for your HDFC ERGO health policy renewal


If you already have existing health insurance coverage and are looking to increase it without paying expensive premiums, you can choose top-up and super top-up health insurance plans. These plans have a deductible and a sum insured. Claims above the deductible limits are paid and so the premiums are low. When you have existing coverage, you can choose a deductible matching the existing plan’s sum insured so that any excess claim would be paid by the top-up or super top-up plan

You can get numerous tax benefits when you buy a health insurance plan. These benefits are allowed under Section 80D of the Income Tax Act, 1961 and are as follows

  • Premiums paid for a plan covering you, your spouse and dependent children would be allowed as a deduction up to INR 25,000
  • If you are a senior citizen, the deduction limit would increase to INR 50,000
  • Premiums paid for a plan covering your dependent parents would be allowed as an additional deduction for up to INR 25,000
  • If your parents are senior citizens, the deduction limit would increase to INR 50,000
  • If you buy two policies, one for yourself and your family and the other for your parents, you can claim a deduction of up to INR 50,000. If you or your parents are senior citizens, the limit increases to INR 75,000. If both you and your parents are senior citizens, the limit would be INR 1 lakh

Yes, a free-look period of 15 days is allowed from the date of policy issuance under HDFC Ergo health insurance plans. During this period you can cancel the policy if you want and avail the refund of the premium paid

The claim process of HDFC Ergo health insurance plans has been explained earlier. You need to intimate the insurance company of your claim and then follow the above-mentioned steps to get the settlement of your claims faster

You can buy HDFC Ergo health insurance plans online either from the website of the company or from Turtlemint itself. When you buy through Turtlemint, you can compare HDFC Ergo’s plans with other health insurance plans and then choose the best one. The process of buying the policy has been explained earlier above

HDFC Ergo’s health insurance plans do not cover specific illnesses and treatments some of which include the following

  • Self-inflicted injuries
  • Cosmetic treatments
  • Congenital illnesses
  • HIV, AIDS and venereal diseases
  • Pre-existing conditions during the waiting period
  • Injuries suffered due to war or nuclear perils
  • Unproven or experimental treatments, etc.

There are online premium calculators offered both by HDFC Ergo as well as by Turtlemint which allows you to calculate the premium of HDFC medical insurance plans. You can enter the relevant details which affect the premium calculation and find the premium rates. These details include the following

  • Age
  • Sum insured
  • Number of members to be covered
  • Medical history
  • Pre-existing illnesses
  • Term of the plan
  • Add-ons if needed

Based on these factors, the premiums would be calculated and displayed

A health card is issued for all insured members when you buy HDFC Ergo health insurance plans. This health card is needed at the time of cashless claims as the card contains a unique customer identification number. When you are admitted to a networked hospital, you need to present the health card to avail cashless treatments. Thus, you should get a health card from HDFC Ergo health insurance

HDFC Ergo is a leading name in the general insurance segment and its health insurance plans are comprehensive plans at affordable premiums. The company offers a range of health insurance plans for your coverage needs and you can find a suitable policy easily. The plans offered by the company offer optimal coverage levels and benefits and are also light on your pockets. So, HDFC Ergo health insurance is a good choice for your health insurance needs.
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