Why Choose HDFC ERGO Health Insurance  

  • feature3
    Nearly 10,000 Cashless
    Hospitals Network~
  • feature3
    7500+ Crores
    Claims Settled^
  • feature3
    1 Claim Settled
    Per Minute^*
  • feature3
    Covers Coronavirus
    Hospitalization
  • feature3
    No Health Check-up
    up to age of 45 years~^
  • feature3
    1.5 Crores
    Happy Customers#

Health care is always accessible at the time of need

Compare our Best Health Insurance Plans

Just launched
Optima Secure
  • Secure Benefit: Get 2X coverage from Day 1.
  • Plus Benefit: 100% increase in coverage after 2 years.
  • Restore Benefit: 100% restores your base coverage.
  • Protect Benefit: Zero deductions on listed non-medical expenses^^
my:health suraksha insurance
Optima Restore
  • 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.
optima restore health insurance for family
MY:HEALTH SURAKSHA
  • 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: It rewards you with an additional 10% to 25% Sum Insured up to a max of 200% depending on the plan opted at the time of renewal.
my:health suraksha insurance
MY:HEALTH MEDISURE SUPER TOP-UP
  • Works on Aggregate Deductible: This health plan comes into action once your all-round total claim amount reaches the aggregate deductible in a year.
  • No health checkups up to Age 55 years: It’s better to be safe than sorry! Secure your health when you are young to avoid medical tests.
  • Payless, Get more: Opt for a long-term policy of 2 years and get a 5% discount.

Our Most Selling Insurance Plan

Fixed benefit Health Insurance Plan

While indemnity based health insurance and top up plans pay for medical bills on an actual basis, a lump sum benefit based health insurance plan pays you in one go or lump sum. It's 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
  • Up to 15 Critical Illnesses 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

Understand Coverage Offered by Our Health Insurance Policies

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 up to 60 days before the date of admission and post-hospitalization expenses up to 180 days after discharge from the hospital are covered.

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

Cashless Home Healthcare for medically necessary treatment of Illnesses, if prescribed by treating medical practitioner.

sum insured rebound covered

Sum Insured Rebound

This benefit adds to the Sum Insured, an amount equivalent to the claim amount, up to basic sum Insured, on subsequent Hospitalization.

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. 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

Preventive Health Check-up

We care for your well-being and hence we offer preventive health check-up at renewal.

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.

  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 claimsand reimbursement claim requests.

Health Insurance Cashless Claims get approved within 20 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