Health Insurance
HDFC Ergo
HDFC ERGO is a joint venture between India's HDFC and Germany's ERGO International AG. It offers policies across motor, travel, health and other sectors. It recently acquired Apollo Munich Health Insurance company and now has the largest network of cashless hospitals in the country. It's health insurance policies offers a coverage of 3 lacs to 75 lacs.
HDFC Ergo Health insurance plans
myHealth Suraksha Gold
HDFC ERGO’s my:health Suraksha Gold is a solid step up if you want broader coverage without going ultra-premium. It covers hospitalisation (including mental health), day care, organ donor costs, home care, AYUSH, and ambulance—mostly at actuals, with no room rent or ICU limits. You can choose a sum insured between ₹7.5 lakhs, ₹10 lakhs, and 15 lakhs, ideal for urban families Plus, the “my:Health Active” program gives up to 10% fitness-based discounts—all managed easily via their mobile app.
myHealth Medisure Super Top-up
HDFC ERGO’s MyHealth Medisure Super Top-Up is a smart way to boost your health cover without burning a hole in your pocket. It kicks in after your base policy (or out-of-pocket spend) crosses a chosen deductible, making it great for handling large hospital bills. Coverage ranges from ₹3 lakh to ₹20 lakh, with deductibles starting at ₹2 lakh. You get pre- and post-hospitalisation (30/60 days), day care, and in-patient AYUSH—without sub-limits on major hospital costs. With individual and floater options, lifelong renewability, and smooth claims, it’s a solid, budget-friendly safety net against rising medical costs.
Optima Restore
The HDFC ERGO Optima Restore is a comprehensive health insurance plan, with sum insured options ranging from ₹5 lakhs to ₹50 lakhs. It includes features such as pre- and post-hospitalization coverage of 60 to 180 days, respectively, daycare procedures, organ donor expenses, AYUSH treatments, and domiciliary hospitalization (all up to the base cover amount). Key highlights include the 100% Restore Benefit, Multiplier Benefit, preventive health check-ups, and no room rent restrictions. These features make it a versatile option for managing healthcare costs effectively.
EquiCover
The HDFC ERGO EquiCover plan is a specialized health insurance policy designed for individuals with disabilities (40% or more) and those diagnosed with HIV/AIDS. It offers coverage for alternative medicine [up to Base SI], which is crucial for the plan’s target consumers. Above all, the EquiCover plan is backed by the reliable HDFC brand and supported by over 13,000 network hospitals.
Optima Super Secure
HDFC ERGO’s Optima Super Secure stands out by offering 3X sum insured from day one and up to 5X within two years—regardless of claims made. With built-in boosters like Secure, Plus, Restore, and Protect Benefits, the plan delivers early, transparent value. It covers ₹10 lakh to ₹2 crore, includes annual health check-ups, and offers cashless care at 13,000+ hospitals. If you want a no-fuss, high-coverage plan that grows fast and adapts to your life, this one’s built for long-term peace of mind.
Optima Secure Global Plus
The HDFC ERGO Optima Secure Global Plus plan offers comprehensive health insurance coverage both within India and abroad. It provides a Secure Benefit that doubles the base sum insured from day one, a Plus Benefit that increases coverage by 100% after two years, irrespective of claims, and an Automatic Restore Benefit that replenishes the sum insured after claims. The plan covers both emergency and planned treatments globally.
Energy Silver
The HDFC ERGO Energy Silver plan is a specialized health insurance policy tailored for individuals with diabetes (Type 1 and Type 2), pre-diabetes, or hypertension. It offers comprehensive coverage from Day 1 for complications arising from these chronic conditions, eliminating the waiting period for related hospitalizations. The plan provides a sum insured of up to ₹50 lakhs and includes benefits like pre- and post-hospitalization expenses (30-60 days respectively), daycare treatments up to base sum insured, organ donor expenses, and emergency ambulance charges up to ₹2,000 per hospitalization.
myHealth Suraksha Platinum
HDFC ERGO’s my:health Suraksha Platinum is their top-tier plan, built for those who want premium, worry-free coverage. With sum insured options from ₹20 lakh to ₹75 lakhs, it’s perfect for high medical inflation. You get full in-patient cover (including mental health), day care, organ donor, home care, and AYUSH—paid at actuals, no room rent or ICU caps. Plus, wellness perks and up to 10% fitness discounts make this plan truly all-inclusive.
Energy Gold
The HDFC ERGO Energy Gold plan is a specialized health insurance policy tailored for individuals managing diabetes (Type 1 and Type 2), pre-diabetes, or hypertension. It offers coverage from Day 1 for complications arising from these chronic conditions, eliminating the waiting period for related hospitalizations. Key features include comprehensive wellness benefits, such as two free medical check-ups per year, a personalized wellness portal, and rewards like premium discounts of up to 25% based on health parameters.
Optima Secure Global
HDFC ERGO Optima Secure Global is a plan that goes the extra mile to offer policyholders world-class health insurance with the flexibility to choose medical facilities across the globe. A key feature is that the plan doubles the coverage from day one, followed by 50 and 100% increases in the base cover after the first and second years, respectively. As the name suggests, the policy also offers global health coverage, zero deduction on listed non-medical expenses, and even options to make overseas travel secure, giving you peace of mind at home and abroad.
Optima Lite
The HDFC ERGO Optima Lite plan is an affordable health insurance variant designed primarily for residents of Tier 2 and Tier 3 cities, offering sum insured options of ₹5 lakhs and ₹7.5 lakhs. The plan features unlimited restoration of the sum insured, no disease-wise sub-limits, and cumulative bonuses, making it a suitable choice for those seeking basic yet effective coverage at a competitive premium. However, it has room rent restrictions and limited availability in Tier 1 cities (Areas excluded: Delhi NCR, Mumbai, MMR, Surat, Ahmedabad, Vadodara).
Easy Health Exclusive
The HDFC ERGO Easy Health Exclusive plan is a comprehensive health insurance policy offering extensive coverage for medical expenses. It features no room rent restrictions, full coverage for all diseases without sub-limits, and a cumulative bonus [10% up to 100% irrespective of claims]. It also offers maternity benefits [maximum Normal Delivery Rs. 30,000, Caesarean Delivery Rs. 50,000, depending on opted SI] with a waiting period of three to four years. Backed by the reliable HDFC brand, the plan is supported by over 13,000 network hospitals.
myHealth Koti Suraksha
The HDFC ERGO my:Health Koti Suraksha plan is a comprehensive health insurance policy offering coverage of 50L & 1CR. Divided into two sections—hospitalization cover and personal accident cover, the plan provides robust protection against medical expenses and accidental injuries. While the former covers pre- and post-hospitalization expenses, daycare treatments, domiciliary hospitalization, organ donor costs, and home healthcare services, the latter includes coverage for accidental death, permanent disablement, broken bones, and temporary total disablement. The plan also offers optional add-ons such as medical evacuation, waiver of co-payment, waiver of room rent capping, and non-medical expense cover.
Optima Secure
HDFC ERGO's Optima Secure stands out in the health insurance landscape by offering 4X coverage of your original sum insured (2X from day 1 and 3X after two consecutive years). ensuring peace of mind for individuals and families alike. Add to this a vast, cashless hospital network of over 13,000 facilities, wellness benefits, and high flexibility in sum insured (from ₹5 lakh up to ₹2 crore,), and you have a plan that is both extensive and future-ready.
Health Wallet
HDFC ERGO’s Health Wallet is an all-round health insurance policy offering coverage on both individual and family floater bases. The plan's unique Reserve Benefit covers OPD expenses such as diagnostic tests, vaccinations, and consultations with specialists. This feature carries forward unused amounts to the next policy year and earns a 6% bonus on the carried forward amount at renewal. It also offers a restore benefit that reinstates the sum insured if exhausted during the policy period.
Easy Health Standard
The HDFC ERGO Easy Health Standard plan is a comprehensive health insurance policy offering benefits like organ donor expenses, ambulance services (in case of emergency, up to 2000 per hospitalisation), and domiciliary hospitalization alongside standard coverages. The plan also provides a cumulative bonus of 10% up to 100% of Base SI, irrespective of claims, and has no co-payment clause or room rent restrictions or disease-wise sub-limits. Backed by the reliable HDFC brand, the plan comes with a 3-year (2021-24) average claim settlement ratio of 98% and over 13,000 network hospitals.
myHealth Suraksha Silver
HDFC ERGO’s my:health Suraksha Silver is a basic policy with sum insured options ranging from ₹3 lakhs to ₹5 lakhs. It offers standard coverage—hospitalisation, day care, organ donor costs, AYUSH, home care, and mental health—with no room rent limits and no add-ons.
HDFC Ergo Health insurance claim process
HDFC Ergo claims can be of different types based on the hospital in which you are getting the treatment. If it’s part of HDFC Ergo's network hospitals, you can get a “Cashless claim” in which insurance company directly pays the bills to the hospital. But if your choice of hospital is not part of their network, then you have to pay the bills and apply for reimbursement claim. Here’s a brief process for both types of claims:
Cashless Claims
Inform the Hospital Desk
All network hospitals have an insurance desk. You can submit your policy copy (even soft copy works), ID proof, initial diagnosis report and the insurance desk will request the insurance company for “pre-authorization”. In case of planned treatments, you need to do this process 2 days before hospitalization
Insurer’s decision
Based on the provided documents, insurance company approve the claim and the hospital will start the treatment and they will co-ordinate with insurer for the treatment costs. In case of Cashless claim rejection, you can still go ahead with the treatment. In this case, you will need to pay the bills initially and can file for a reimbursement claim later
Discharge
If your cashless claim is approved, at the time of discharge, the insurance company will do the final settlement with the hospital and once that is sorted, you are good to go.
Reimbursement Claims
Inform the insurance company
For any planned treatments, you need to inform the insurance company 2 days before hospitalisation. In case of emergency, you can inform within 24 hours of admission. Insurance company will acknowledge the intimation.
Hospitalization
You need to submit a insurance claim form along with original copies of hospital bills, doctor consultation reports, and diagonstic reports.
File the claim
Within 30 days post discharge, you can initiate the claim online or at any of the registered offices of the insurance company. You need to fill a claim form and attach all the reports and bills.
Insurer’s decision
Based on the claim form and submitted documents, insurance company will settle the claims as per policy terms and conditions.
HDFC Ergo Health Insurance Renewal
Firstly, if you’ve purchased the policy online, you’ll always receive an intimation e-mail from the insurer around 30 days before the renewal date. The e-mail will have a renewal link that will directly take you to the page where you can make the payment and check policy details. And it’s done. You’ll receive the policy document via e-mail.
However, in case you choose to do it on your own, here’s what you need to do:
Visit the website
Visit the HDFC Ergo website and then go to the Renewal section here.
Enter details
You’d be asked to provide your current policy number which you can find in the policy soft copy. You may as well be asked to enter your mobile number, email ID, Date of Birth or policy expiry date.
Review and edit the policy details
Next, you’ll be able to see details of your new policy and the renewal premium you need to pay. Also, you’ll be given the option to make some changes related to sum insured, existing covered members, etc.
Complete the payment and it’s done
Once you confirm the details, you’ll be directed to the payment gateway. Once the payment is complete, you’ll receive your new policy soft copy via e-mail.
Few things to consider when renewing your HDFC Ergo health insurance policy
- If you want to increase your Sum Insured, now is the time. You can’t do it anytime during the year.
- If you didn’t make a claim in the past year, make sure you have been given a no-claim bonus if your policy offers it.
- If you want to add members like your spouse or kids, you have the option to do so only at the time of renewal. So do give this a thought.
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