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Best Overall for Families
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.
4 plans available — compare coverage, premium, and key features.
Optima Secure gives 2x your base sum insured from Day 1 — no waiting period for the enhancement. If you buy ₹10L cover, you get ₹20L protection from Day 1.
Key Features
Super Secure adds a built-in Super Top-Up component — giving you up to ₹2Cr effective cover at significantly lower premium than buying two separate policies.
Key Features
Best entry-level plan for young professionals. Simple coverage with cashless hospitalisation at 16,000+ hospitals — no complex features to confuse first-time buyers.
Key Features
India's most comprehensive women-centric health plan — covers maternity, newborn, breast cancer, cervical cancer, and critical illnesses specific to women.
Key Features
Step-by-step claim process for HDFC ERGO Health Insurance.
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 (98.5%). It's the most comprehensive plan for families who want maximum protection.
HDFC ERGO has a claim settlement ratio of 98.5% as per the latest IRDAI Annual Report — the highest among private health insurers in India. This means 98.5 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.
HDFC ERGO has 16,000+ 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.
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 Health Insurance website before purchasing.