Edit

About Us

We must explain to you how all seds this mistakens idea off denouncing pleasures and praising pain was born and I will give you a completed accounts off the system and expound.

Contact Info

Edit

About Us

We must explain to you how all seds this mistakens idea off denouncing pleasures and praising pain was born and I will give you a completed accounts off the system and expound.

Contact Info

group health insurance

HDFC Ergo
Health Insurance

HDFC ERGO General Insurance Company Ltd. is a joint venture between ERGO International AG, the primary insurance entity of Munich Re Group and HDFC Ltd. The company has around 2,521.66 crores of underwritten premium for the year 2019-20 in the health insurance category alone. The company has a claim settlement department, where the claim can be registered, tracked and queries regarding the claims can be raised.

Claim Ratio

89.07%

Solvency Ratio

1.74

Network Hospital List

10000+View

Features and Benefits of HDFC Ergo

Group Health Insurance

The major benefits that you receive while opting for HDFC Ergo Health Insurance are

Tax Benefits Under the Income Tax act of 1961, health insurance can provide you with tax benefits of upto Rs. 75,000. Hence a health insurance plan not only covers your medical expenses, but also provides some major tax deductions.
Coverage of Mental Healthcare Often, the physical health of a person is taken care of but the mental health is neglected. But nowadays, people believe that mental health is just as important as hospitalization due to physical illness. The hospitalization charges incurred for treating mental illness is also covered in the policy.
Sum Insured Rebound This is a magical backup option where the exhausted health cover is recharged to cover your next hospitalization. Hence, you can be ensured about the uninterrupted medical coverage at the time of need.
Home Healthcare treatment coverage In some cases due to the unavailability of hospital beds, you will have to undergo treatment in the comfort of your home itself. Hence, with the doctors approval you can undergo treatment in your house and the insurer will cover your treatment expenses.
Recovery benefit When you get admitted to the hospital for more than 10 days at a stretch, there certainly will be a financial loss that your family has incurred during the hospitalization. The insurer pays for the other financial losses that might have happened due to your absence at home. Hence, it helps in taking care of the other expenses during your hospitalization.
Free health check-ups Each year when you renew the policy, you are provided with free health check-ups. These can be availed within 60 days of your policy renewal.

HDFC Ergo Health Insurance Plans

HDFC Ergo My Health Suraksha Silver Smart


The sum insured starts from 3 lakhs and goes upto 5 lakhs. It offers some decent coverage and extended benefits. The plan has no restrictions on room rent. The pre-hospitalization and post hospitalization charges are covered along with the plan. The day care treatments like chemotherapy, dialysis are also provided coverage in this plan. Restoration benefits, free health check-up and coverage even if you are forced to hospitalize at home are additional benefits of the plan.

Download Policy Brochure

HDFC Ergo My Health Suraksha Gold Smart


With the sum insured starting from 5 lakhs going upto 15 lakhs, this plan is like a comprehensive health insurance plan. Unless you opted for co-payment, the insurer will pay the entire bill upto the sum insured. It also covers pre and post hospitalization charges and there are no restrictions on the room rent. One can avail free health check-ups every year during policy renewal and the plan also offers 100% restoration benefit after you claim a part of the cover. Day care treatments are covered. Alternative treatment coverage upto the sum insured is also available with this plan.

Download Policy Brochure

HDFC Ergo My Health Suraksha Platinum Smart


This plan is a massive cover where the sum insured starts from 20 lakhs and goes all the way upto 75 lakhs. The plan has got a reasonable waiting period of 3 years to cover the pre-existing diseases. The plan has no limits on room rent and covers both pre-hospitalization and post hospitalization charges. It offers free health check-up during each year and also offers alternative medicine coverage like Ayurveda, Homeopathy upto the sum insured. Unlike the Health Suraksha Gold Smart plan, it has the additional benefit of increasing the sum insured by 25% for each claim free year, until it increases by 200%.

Download Policy Brochure

HDFC Ergo Optima Restore


It is one of the popular plans where one never has to split the bill as the insurer will pay for the entire hospitalization expenses upto the sum insured. There are no restrictions on the room rents and the coverage is provided even if you are forced to hospitalize at home. The plan not only provides free health check-ups each year but also 100% restoration benefits. Day care treatments are covered and the sum insured increases by 50% for every claim free year upto 100%.

Download Policy Brochure

Looking for group

health insurance plans for

your employees?

Group Health Insurance over Individual Health Insurance

Looking for group

health insurance plans for

your employees?

Group Health Insurance over Individual Health Insurance

FAQ's

The customer care numbers are
The Health insurance policy can be renewed by
The claim can be a cashless claim or a reimbursement claim, based on the hospital you choose. All claim processes are carried out using a health card, other relevant documents and KYC documents. Also the claim registration, status and queries can be checked here.
After filling a health declaration and a health endorsement form, a new member can be added to the family floater plan, with an additional amount.
If the primary insured passes away then one of the adults in the policy can continue with the policy but the sum insured remains the same.
No because a family insurance plan the coverage is extended to 2 adults and 2 children. For parents you need to buy a separate insurance policy.

HDFC Ergo Health insurance contact details

Other Policies

Other Related Health Insurance Vendors

Bajaj Allianz Health Insurance

Bajaj Allianz Health Insurance

Aditya Birla Health insurance

Aditya Birla Health insurance

ICICI Lombard Health Policy

ICICI Lombard Health Policy









Bitnami