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  • HDFC ERGO Health Insurance Policy
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HDFC ERGO Health Insurance Policy

Medical emergencies can hit you at any point of time and could lead to financial instability. To cover medical uncertainties and ensure quality medical treatment, it is important to buy a health insurance. Buying a health insurance or medical insurance plan will prevent unexpected expenses and safeguard your finances. We at HDFC ERGO ensure total health care with our wide range of health insurance policies designed specially to suit your medical needs.

HDFC ERGO offers a wide range of health insurance plans with host of benefits to offer. Every plan is designed in such a way that it caters to your medical necessities and suits your budget.

Type of Health Insurance Plans

  • Individual

    Individual Health Insurance

    Buy Individual health insurance from HDFC ERGO and cover all your medical expenses such as pre hospitalization expenses, hospitalization and post hospitalization costs.

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  • Family Health Insurance

    Family Health Insurance

    Get Family health insurance with HDFC ERGO and secure your family under a single plan. It’s the best way to protect your entire family with no sub limits.

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  • Parents Health Insurance

    Parents Health Insurance

    Insure your Parents with HDFC ERGO health insurance and keep them secured always! We provide medical assistance and offer a host of other features such as lifelong renewability and no entry age limit.

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  • Senior Citizen Health Insurance

    Senior Citizen Health Insurance

    Choose HDFC ERGO health Insurance plan for Senior Citizens, which is suitable for your growing age; it has no capping on room rents and offers free health check-ups on completing 4 claim-free years.

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How to buy health insurance policy online?

You can easily buy a health insurance policy online from HDFC ERGO and make payments through secured payment modes. Simply select your policy type or the plan you wish to know more about and click on buy now to fill the details and make payment.

How to renew health insurance policy online?

You can instantly renew your policy online by clicking here and continue enjoying benefits.

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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Why choose HDFC ERGO?

Wide range of plans to choose from - HDFC ERGO offers a wide selection of plans to match your requirements. You can also choose the plans depending upon your family size and age.

Network of over 8600+ hospitals - HDFC ERGO has tied up with a wide list of hospitals to offer cashless hospitalization for its customers.  Click here  to find the list of hospitals.

24*7 Support - HDFC ERGO offers round the clock support for your convenience and a hassle-free experience.

Trusted by Millions - HDFC ERGO is a recognized brand for taking care of your insurance needs. With over 75 lacs happy customers, the brand has been assigned ‘iAAA’ rating by ICRA indicating its highest claim paying ability.

Health Insurance Benefits

  • Safeguards your finances
  • Cashless claims at network hospitals
  • Tax saving under section 80D
  • Ensures quality medical treatment


1. Why do I need health insurance?

With the development in technology, treatments and the availability of more effective medicines the cost of healthcare has steeply increased. 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 incurred 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.

  • 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.
  • The myhealth: Medisure Classic is specifically designed to understand your family's unique health needs and provides you with a step-by-step plan to ensure their complete well-being.
  • Critical Illness Policy pays lump sum amount in a single transaction, incase of detection of any listed critical illness.
  • myhealth: Medisure Top-up allows you to be covered for a larger Sum Insured with lower premium. It can be added up to your base policy for maximum protection.
5. 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. Please click here to calculate the premium

6. 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 for Health Suraksha and myhealth: Medisure Classic; however for Critical illness and Super top-up the limit is 65 years. Similarly, the entry age for critical illness cover is 5 years. Moreover, all these policies offer lifetime renewability.

7. What is the procedure for claim settlements?

Follow four simple steps to settle your claims:

i. 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.)

8. 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.

Health Suraksha 4.4 153 | 153 Reviews

Health Suraksha Insurance Customer Reviews

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