Is it worth buying HDFC ERGO health insurance?

Yes, it is worth buying. HDFC ERGO offers wide coverage, cashless treatment, flexible plans, and tax benefits, helping you manage medical expenses without financial stress.

Who can buy HDFC ERGO health insurance?

Individuals, families, senior citizens, and people with chronic conditions can buy HDFC ERGO plans.

What is the sum insured in HDFC ERGO plans?

It varies by plan, from ₹2 lakh to ₹2 crore, depending on your chosen coverage.

Does HDFC ERGO cover pre-existing diseases?

Yes, some plans cover pre-existing conditions after a waiting period, and some, like Energy Plan, cover certain conditions from Day 1

Can I buy HDFC ERGO health insurance online?

Yes, you can buy it online via the HDFC ERGO website or through OneAssure.

What is cashless treatment in HDFC ERGO?

You can get treatment at network hospitals without paying upfront. HDFC ERGO settles the bills directly.

What is the reimbursement process for HDFC ERGO?

If you pay bills yourself at a non-network hospital, HDFC ERGO reimburses the eligible expenses after claim approval.

Does HDFC ERGO cover pre and post-hospitalisation?

Yes, most plans cover medical expenses 30–60 days before and 60–180 days after hospitalization.

Does HDFC ERGO cover daycare procedures?

Yes, treatments that don’t need overnight admission, like dialysis or cataract surgery, are covered.

Can I include maternity cover in HDFC ERGO?

Yes, some plans offer maternity and childbirth coverage including prenatal and postnatal care.

Does HDFC ERGO cover alternative treatments?

Yes, treatments like Ayurveda, Homeopathy, and Unani are covered in some plans up to a set limit.

How can I renew HDFC ERGO health insurance?

You can renew it online or by visiting your nearby office. OneAssure sends reminders before expiry. You can review your policy, update coverage, and pay online for renewal.

Can I increase my sum insured with HDFC ERGO?

Yes. You can upgrade your plan if your requirements change.

Does HDFC ERGO cover organ donation expenses?

Yes, the medical expenses of the donor and recipient are covered under eligible plans.

Does HDFC ERGO cover ambulance charges?

Yes, road ambulance costs are covered. Some plans also allow air ambulance coverage as an add-on.

What are the tax benefits of HDFC ERGO health insurance?

Premiums paid are eligible for tax deduction under Section 80D of the Income Tax Act.

Can senior citizens buy HDFC ERGO health insurance?

Yes, HDFC ERGO has special plans designed for people above 60 years with age-related coverage.

Does HDFC ERGO cover emergency treatment abroad?

Yes, some plans like Optima Secure Global provide worldwide emergency coverage up to a specific limit.

How fast does HDFC ERGO settle claims?

Cashless claims at network hospitals are usually approved within a few hours. Reimbursement claims take a few days after verification.

How can OneAssure help with HDFC ERGO insurance?

OneAssure assists in choosing the right plan, buying online, document submission, and claim processing for cashless or reimbursement cases.

OneAssure

Health Insurance

HDFC ERGO

Health Insurance Plans

HDFC ERGO Health Insurance Plans

Get a Quote

95%

Claim Settlement Ratio

15,000+

Network Hospitals

7.1

Overall Rating

HDFC ERGO

Our Verdict About HDFC ERGO Health Insurance

HDFC ERGO provides strong and comprehensive coverage with reliable claim service.

What We Like

Lifetime renewability and digital-first services

Quick claim approvals (around 30–40 minutes in many cases)

15,000+ network hospitals across India

Areas of Improvement

Premiums rise with age and plan upgrades

2–3 year waiting period for pre-existing diseases

What We Like

Lifetime renewability and digital-first services

Quick claim approvals (around 30–40 minutes in many cases)

15,000+ network hospitals across India

Areas of Improvement

Premiums rise with age and plan upgrades

2–3 year waiting period for pre-existing diseases

Final Verdict

Everyone buying health insurance wants reliability and simplicity. The HDFC ERGO health insurance has proven to be both. It covers a wide network of hospitals, has a simple claim settlement process, comprehensive coverage, and customer-friendly insurance plans. You can find individual, family, senior citizens and even maternity plans.

Everyone buying health insurance wants reliability and simplicity. The HDFC ERGO health insurance has proven to be both. It covers a wide network of hospitals, has a simple claim settlement process, comprehensive coverage, and customer-friendly...

HDFC ERGO Health Insurance Plans

Optima Secure	Energy Gold With Copay	myHealth Medisure Super Top-up
Energy Silver With Copay	Optima Restore

Optima Secure

Energy Gold With Copay

myHealth Medisure Super Top-up

Energy Silver With Copay

Optima Restore

Key Features

Top Product Highlights

Compare the features of the top health insurance products to find the perfect plan for your needs.

Product Name	Room Rent	Coverage Options	Restoration Benefit
Optima Secure	All room categories are covered	Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹1 Cr and ₹2 Cr	Yes, your sum insured restores to 100% once every policy year
Energy Silver With Copay	All room categories are covered	Available coverage options: ₹2L, 3L, 5L, 10L, 20L, 25L, 50L	Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses
My: Optima Secure	All room categories are covered	Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹1 Cr and ₹2 Cr	Yes, your sum insured restores to 100% once every policy year
Optima Secure	All room categories are covered	Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹1 Cr and ₹2 Cr	Yes, your sum insured restores to 100% once every policy year
Energy Silver With Copay	All room categories are covered	Available coverage options: ₹2L, 3L, 5L, 10L, 20L, 25L, 50L	Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses
My: Optima Secure	All room categories are covered	Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹1 Cr and ₹2 Cr	Yes, your sum insured restores to 100% once every policy year

HDFC ERGO

Customer Testimonials

Real experiences from our valued customers who have chosen our insurance coverage.

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family……always been available to assist with any insurance/claim queries.

Nakul N

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family……always been available to assist with any insurance/claim queries.

Nakul N

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

OneAssure helped me understand my needs and choose a product that was right for me. There was no pressure tactics or mis-selling. This experience was respectful, informed, and completely stress-free.

Shreya Goyal

Had a great experience with OneAssure during my insurance claim process. A special shoutout to Sunad Raj for his exceptional support, he was professional, responsive, and guided me every step of the way. Thanks to his consistent follow-ups and clear guidance, the entire claim settlement was smooth and hassle-free. Highly recommend OneAssure for their service and transparency!

Sanjay Dakalia

The team is very professional and prompt. I would have all my health and life insurance needs met through them.

Harish Jindal

Very professional service from Ruchir & Aman. They were recommended by a friend who had a positive experience with them. I have taken both health and life policies through them and they have advised me well throughout the process and found the best options available in the market. I had a medical condition due to which it was difficult to find a suitable health policy in the market, however this team was able to find one for me. I would recommend their services to anyone looking to buy health or life insurance.

Siddhartha Saha

Wonderful experience with Prost. Right from suggesting the insurance products to claim process the entire experience hai been seamless. They do not mis-sell and are very transparent. Sundar Raj from the team has been wonderful and ensured prompt guidance. All the best Ruchir and keep up the good work!

Adarsh Ravindranathan

Why Choose HDFC ERGO Health Insurance?

Extensive Coverage Options

Choose from a wide range of plans catering to individuals, families, and seniors.

High Claim Settlement Ratio

Enjoy quick, transparent, and reliable claim approvals ensuring financial peace of mind.

13,000+ Network Hospitals

Access quality cashless healthcare services across India through an extensive hospital network.

Digital Convenience & Support

Experience seamless online policy management, claim tracking, and 24x7 customer assistance.

Extensive Coverage Options

Choose from a wide range of plans catering to individuals, families, and seniors.

High Claim Settlement Ratio

Enjoy quick, transparent, and reliable claim approvals ensuring financial peace of mind.

13,000+ Network Hospitals

Access quality cashless healthcare services across India through an extensive hospital network.

Digital Convenience & Support

Experience seamless online policy management, claim tracking, and 24x7 customer assistance.

Documents Required

ID Proof

Address Proof

Age Proof

Photographs

Income Proof

ID Proof

Address Proof

Age Proof

Photographs

Income Proof

HDFC ERGO

Claim Settlement Process

Quick and hassle-free claim settlement with dedicated support to ensure timely approvals and smooth hospital experiences

1-5 of 6 Process

HDFC ERGO

Renewal Process

Easily renew your policy online or offline to enjoy uninterrupted health coverage

1-5 of 7 Process

HDFC ERGO Network Hospitals

15,000+

Network hospitals across the country for cashless treatment

700+

Cities covered nationwide for easy access to quality healthcare

700+

States and union territories ensuring comprehensive coverage

15,000+

Network hospitals across the country for cashless treatment

700+

Cities covered nationwide for easy access to quality healthcare

700+

States and union territories ensuring comprehensive coverage

HDFC ERGO

Features Comparison

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

Family Health Plan

One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs

Maternity Health Plan

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

Family Health Plan

One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs

Maternity Health Plan

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

HDFC ERGO

Need help finding the right health plan?

Our experts offer personalised recommendations tailored to your age, family size, and health profile, ensuring you select the ideal coverage

FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.