WhatsApp Image 2023 07 15 at 8.08.21 PM

Is HDFC Ergo Health Insurance Policy Suitable for You? Here is Everything You Should Know


Is HDFC Ergo Health Insurance Policy Suitable for You? Here is Everything You Should Know

WhatsApp Image 2023 07 15 at 8.08.21 PM

Everyone wishes to have a healthy and wealthy life. Fortunately, nature has given us everything we could possibly desire. But, as we advance in life, we curtail the limits of our ability. And so, we are shifting ourselves from leading a healthy lifestyle to only wealthy lifestyle. Just to fulfil our dreams, we’re ignoring our health. This leads to taking a toll on our health. And eventually, we get exposed to several critical and lifestyle diseases.

Thanks to Health Insurance Companies that are offering health insurance plans to cover us from diseases. HDFC Ergo is one of the leading names in the insurance industry. It provides different types of health insurance policies for people. Before you buy Apollo Munich Insurance, have a quick look at some of the basic facts:

HDFC Ergo and Its Benefits

HDFC Ergo is a General Insurance Company in India. It offers a wide range of general insurance products, such as Health Insurance, Travel Insurance, Home Insurance, and Life Insurance. To cover families and individuals (including children and senior citizens), the company offers key solutions through its health insurance policies. These solutions are:

Indemnity Health Insurance Plan: Under this plan, you get cover for hospitalisation costs, daycare treatment, occasional medical and health check-ups, organ donor expenses, emergency ambulance charges, and so on. Many add-on benefits are also available under these plans. If you get this type of plan from HDFC Ergo, the insurer will compensate you for accurate financial expenses.

Lump-Sum Payment Health Insurance Plan: Under this plan, the insurer provides financial help in the form of lump sum amount to the insured against sickness, accident, or other medical conditions. The best part is that the lump sum amount you get from the insurance company can be used to meet all your medical expenses or you can also use it to meet your daily expenses.

Customer Delight Feature:

HDFC Ergo offers the insured a unique feature along with its policies, i.e. “Customer Delight.” This feature allows policyholders to get proper service at recognized health care centers. HDFC Ergo has a tie-up with many renowned health care centers, medical clinics, pharmacies, salons & spas in the country to let customers enjoy exclusive gains. With this deal, the company offers services to the customers of Ayurveda clinics, diagnostic clinics, blood banks, etc. The location of these service providers is available at the official website of HDFC Ergo.

Benefits of HDFC Ergo Health Insurance

As one of the leaders of the insurance industry, HDFC Ergo adopts all possible ways to meet the medical needs of people from all walks of life. Listed below are the key benefits provided by the company to its valuable customers:

  • 24*7 customer support and service through its website and toll-free number
  • Cashless treatment in India’s 9000+ top hospitals
  • Value Added services to increase the total sum assured in case the policyholder has not filed a claim for years
  • Fast claim settlement service and policy renewal procedures
  • A wide range of sum insured and policy tenure options
  • 90% of authorised cashless claims are responded within 20 minutes
  • Most of the reimbursement claims are approved within 3 days
  • my:health app to monitor your physical activity
  • Provision to get your policy online with minimum documentation
  • Long-term policy premium discounts
  • A free look period of 15 days to cancel the policy

HDFC Ergo Online Service & Support

In this era of online technology, every insurance company is offering online services. And HDFC Ergo is no exception. This company provides detailed information about its insurance products, services online. Below are the online services provided by HDFC Ergo:

  • Purchasing insurance policies online
  • Calculating policy premiums online
  • Paying premiums online
  • Renewing policies online
  • Filing claims online
  • Downloading the ‘Claim Settlement Form’ from the website
  • Finding the nearest network hospitals online
  • Locating the nearest branch of HDFC Ergo online

Above all, HDFC Ergo allows policyholders to track their claims online and access their insurance policy online. The online service is available through the official website.

Popular Health Insurance Policies Offered by HDFC Ergo

HDFC Ergo has health insurance policies for everyone, be it an individual, family, parents, or senior citizen.

Popular health insurance policies of HDFC Ergo are:

Health Suraksha: It’s an umbrella product, designed to protect you and your loved ones against medical expenses. The plan is available in three variants namely Silver, Gold, and Platinum.

Critical Illness Plan: Nothing less than a boon, the policy covers cancer, stroke, heart-related conditions, and other life-threatening diseases.

my: Health Medisure Classic: This policy is suitable for those looking out for wide health coverage, including maternity coverage and newborn baby cover.


HDFC Ergo is a trusted brand in the health insurance industry. It has plans for everyone. Based on the medical requirements, you can choose a plan. But, before opting for any health insurance policy, read the policy wording and add-on benefits, if any. Also ensure that you’re aware of inclusions, exclusions, and coverage provided by the health insurance product.



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