HDFC ERGO Health Insurance – Plans, Benefits, Claim & Renewal Guide

HDFC ERGO Health Insurance – Plans, Benefits, Claim & Renewal Guide

HDFC ERGO Health Insurance – Plans, Benefits, Claim & Renewal Guide

HDFC ERGO Health Insurance is one of India’s most trusted health insurers, offering wide coverage, cashless hospitals, and affordable premiums. Whether you are looking for individual health, family floater, or senior citizen health coverage, HDFC ERGO provides multiple options to secure your healthcare needs.

Why Choose HDFC ERGO Health Insurance?

• Cashless treatment at 12,000+ network hospitals.
• 24x7 customer support with quick claim settlement.
• Tax benefits under Section 80D.
• Plans for individuals, families, children, and seniors.

Key Features

• Coverage for hospitalization, daycare procedures, and critical illnesses.
• Pre and post hospitalization expenses covered.
• No-Claim Bonus (NCB) benefit for every claim-free year.
• Option to enhance sum insured with top-up plans.

Popular Plans of HDFC ERGO

1. Optima Restore Plan – Restores sum insured if exhausted.
2. my:health Suraksha – Customizable coverage for all age groups.
3. Critical Illness Insurance – Covers 15+ major illnesses.
4. Top-Up Health Insurance – Higher coverage at lower premium.

How to Buy & Renew Online?

Buying or renewing HDFC ERGO Health Insurance is simple:

• Visit the official HDFC ERGO website.
• Select your preferred plan.
• Fill in basic details & pay premium online.
• Policy document is emailed instantly.

Claim Process

1. Get admitted in a network hospital (cashless claim).
2. Submit claim form and documents.
3. Claim processed within 3–5 working days.

Final Thoughts

HDFC ERGO Health Insurance is ideal for those seeking reliable coverage, easy claim settlement, and long-term health protection. Compare plans and pick one that matches your family’s healthcare needs.

FAQs on HDFC ERGO Health Insurance

Q1. What is the claim settlement ratio of HDFC ERGO?
A: The company has a strong claim settlement ratio of over 90%.

Q2. Can I buy HDFC ERGO Health Insurance online?
A: Yes, you can easily purchase or renew policies online within minutes.

Q3. Does HDFC ERGO offer coverage for COVID-19?
A: Yes, COVID-19 hospitalization expenses are covered under regular health plans.

Q4. What is the minimum entry age?
A: Policies are available from 3 months onwards for children and 18 years for adults.

Q5. Is pre-existing disease covered?
A: Yes, after the applicable waiting period (usually 2-4 years).