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HDFC ERGO, a joint venture between HDFC Ltd and ERGO International, offers the Optima Secure plan with 2x base cover from Day 1 and one of India's highest claim settlement ratios.
HDFC ERGO is a joint venture between HDFC Ltd and ERGO International. Their Optima Secure plan offers 2x base cover from Day 1 with one of the highest claim settlement ratios among private insurers in India.
11 plans available — compare coverage, premium, and key features.
The base sum insured is paired with an equal Secure Benefit in the same policy year. Illness waiting periods still apply.
Key Features
Step-by-step claim process for HDFC ERGO.
Call 1800-2700-700 (toll-free) or use the HDFC ERGO app within 48 hours of planned hospitalisation or immediately for emergency admissions.
The network hospital's TPA desk submits your pre-auth request to HDFC ERGO. Approval typically comes within 2–4 hours for planned procedures.
HDFC ERGO settles the approved amount directly with the hospital. You only pay non-covered charges like personal items or food.
For non-network hospitals, submit all original bills, discharge summary, and claim form within 30 days. Settlement in 7–10 working days.
HDFC ERGO offers the best combination of claim settlement ratio, network hospitals, and plan features. Optima Secure is our top pick for families in metro cities.
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Optima Secure gives 2x your base sum insured from Day 1 with no room rent capping, restore benefit, and one of the highest claim settlement ratios (97.9%). It's the most comprehensive plan for families who want maximum protection.
HDFC ERGO has a claim settlement ratio of 97.9% as per the latest IRDAI Annual Report — the highest among private health insurers in India. This means 97.9 out of every 100 claims are settled.
Yes, but with a waiting period. Most pre-existing conditions are covered after a 3-year waiting period. However, critical illness cover for pre-existing conditions may have a longer waiting period depending on the plan.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official HDFC ERGO website before purchasing.
Super Secure triples your base sum insured instantly from Day 1 — a ₹10L cover becomes ₹30L immediately, growing to 5x within 2 years via the Plus Benefit, at no extra cost.
Key Features
A dedicated high-cover health plan — choose ₹50 lakh or ₹1 crore sum insured, with a 10% cumulative bonus on every continuous renewal, up to 100%.
Key Features
A benefit-based plan that pays a lump sum on diagnosis of a covered illness, not a reimbursement plan. Cancers specific to women are covered in every illness variant; the 41 critical illnesses are only in the CI Comprehensive variant.
Key Features
Cover that keeps growing — 100% of your base sum insured is added after every completed policy year, with no upper cap, whether you claim or not. With the 2X Secure Benefit, a ₹10L base becomes ₹20L on day one and ₹30L after the first year.
Key Features
A standardised policy design mandated by IRDAI — same core structure across all insurers, so you can compare HDFC ERGO's version directly against other companies' Arogya Sanjeevani plans.
Key Features
A lighter version of Optima Secure — built-in unlimited Automatic Restore, with room rent capped at 1% of the base sum insured per day and two sum insured options (₹5 lakh and ₹7.5 lakh) to keep the premium low.
Key Features
Not a replacement for a base health plan — it starts paying only after your claims in a policy year cross the aggregate deductible you choose (₹2 lakh to ₹5 lakh), paid by you or your existing insurer. No sub-limits on in-patient costs once the deductible is crossed.
Key Features
An IRDAI-mandated standardised personal accident policy — same core structure across all insurers, so you can compare HDFC ERGO's version directly against other companies. Not a hospitalization/health plan — pays a lump sum for accidental death or disability only.
Key Features
Covers hospitalisation arising from diabetes and hypertension from day one, with no waiting period for these conditions. Comes in Silver and Gold variants, with an optional 20% co-payment. The premium can be loaded after the pre-policy check-up.
Key Features
HDFC ERGO's own personal accident plan (not the IRDAI-standard Saral version) — three options, Essential, Advanced and Elite, with accidental death cover from ₹20 lakh to ₹10 crore. Pays a lump sum on accidental death or disability. Premium depends on your occupation class.
Key Features
HDFC ERGO has 12,000–14,000+ network hospitals across India, including major hospitals in metro cities and tier-2/tier-3 towns. You can check the network hospital list on their official website.
Yes, HDFC ERGO allows portability from any IRDAI-registered insurer. Your waiting period credits carry over and you don't lose benefits accumulated in your previous policy.