HDFC Ergo Health Insurance

  • 13,000+ Network Hospitals across India
  • Cashless Claims Approval within 20mins
  • Dedicated APP for all Your Policy Concerns

HDFC ERGO Health Insurance Limited is a joint venture between ERGO International AG and HDFC Limited. After taking approval from the Insurance Regulatory and Development Authority of India (IRDAI), HDFC Health Insurance was merged with Apollo Munich Health Insurance in the year 2020. HDFC Health Insurance is currently the second largest private health insurance provider in the health insurance industry. HDFC Health Insurance has 200+ branches spread over 170+ locations and employs more than 9700 people. Additionally, ICRA has rated HDFC ERGO Health Insurance as "IAAA" for having the highest claim-paying capability.

HDFC Health Insurance offers a wide range of health insurance products like individual health insurance, family health insurance, critical health insurance plans, senior citizen health insurance, etc.

In recent years, HDFC Health Insurance has won numerous awards and recognitions. Some of the awards and recognitions that HDFC Ergo health insurance has received are listed below:

  • HDFC Ergo Health Insurance has won the “Best Covid Strategy Implemented Customer Experience” award at ET BFSI Excellence Awards 2021
  • HDFC Ergo Health Insurance has won the “Claims and Customer Service Excellence” award at FICCI Insurance Industry Awards in 2021.
  • HDFC Ergo Health Insurance has won an award by ICAI for “Excellence in Financial Reporting” in 2015-16 under Category IV.
  • HDFC Ergo Health Insurance has won the “Best Customer Experience Award” of the Year in (Financial Sector).

HDFC Ergo Health Insurance Company Specification

Below mentioned are the key specifications of HDFC Ergo health insurance company:

Particular Specifications
Network Hospitals 12000+
Incurred Claim Ratio (2022-23) 79.04%
Claim Settlement Ratio (less than 3 hrs) (2022-23) 98.59%
Number of Branches 640+ offices
Solvency Ratio (2022-23) 1.75
Market Share (2022-23) 5716.43 crore

*Data has been sourced from the annual report of IRDAI 2022-23

Key Features of HDFC Ergo Health Insurance

HDFC Health Insurance is one of India's largest health insurance providers. HDFC Health Insurance tries to provide all possible help to its customers. HDFC ERGO health insurance offers 24x7 customer support to its policyholders along with various other key features. Take a look at some of the key features of HDFC ERGO health insurance:


Network Hospitals

HDFC Health Insurance has tied up with over 12000+ hospitals across the country where policyholders can avail of cashless medical treatment, and HDFC health insurance company will directly settle the cost of treatment with the hospital.


Solvency Ratio

The solvency ratio is one such factor by which you can check the ability of an insurance company to meet its long-term financial obligations. As per the Insurance Regulatory and Development Authority of India (IRDAI), it is mandatory for every health insurance company to maintain a minimum solvency ratio of 1.5 and HDFC ERGO health insurance's solvency ratio of 1.75 in the year 2022-23.


Claim Settlement Ratio

The claim settlement ratio of HDFC ERGO Health Insurance is 98.59% in the year 2022-23. The claim settlement ratio (CSR) is the percentage of total claims settled by a health insurance company in a year.


Number of Branches

HDFC ERGO Health Insurance has more than 640 branches across India, where customers can visit their nearest branch to get their queries resolved.

HDFC Ergo Health Insurance Plans

HDFC ERGO Health Insurance offers its customers a wide range of comprehensive health insurance plans. Have a look at the health insurance plans offered by HDFC Health Insurance:

Individual and Family Health Insurance Plan

Senior Citizen Health Insurance Plan

Critical Illness Health Insurance Plan

Why Choose HDFC Ergo Health Insurance?

HDFC health Insurance offers a variety of coverage benefits under its HDFC health insurance plans. Following are some additional benefits you can avail yourself of while buying an HDFC medical insurance plan. Visit our Health Insurance Premium Calculator page to get quick quotes on HDFC health insurance plans:


Cashless claim approval in just 20 mins

HDFC Ergo insurance company offers a quick and hassle-free claim settlement process. HDFC health insurance will approve your cashless claim in just 20mins.


Dedicated application for all your policy-related concerns

HDFC medical insurance has its own mobile application for all your policy-related queries such as claim settlement, HDFC health insurance plans renewals, etc.


Offers preventive health checkup coupons

HDFC health insurance offers preventive health checkup coupons to its customers.


Offers free renewal health checkups

HDFC medical insurance offers free renewal health checkups to its customers in which policyholders will get free of cost health checkups at the time of renewal of the hdfc health insurance plans.


Offers wellness programs to keep you healthy

HDFC medical insurance offers different wellness programs to its customers through which you can track and improve your health.


13000+ HDFC ERGO network hospitals

HDFC Health insurance has more than 13000 hospitals under its network across the country where policyholders can get cashless medical treatment.


Coverage for COVID-19

HDFC medical insurance offers COVID-19 (Coronavirus) coverage under their HDFC health insurance plans.

Common Exclusions Under HDFC Health Insurance

Below mentioned is the list of some of the common exclusions under HDFC Ergo health insurance plans:

  • Self-Inflicted Injuries (suicide or attempted suicide injuries)
  • Adventure Sports Injuries
  • Hospitalization due to alcohol and drug abuse
  • Cosmetic Surgery
  • Treatment Of Obesity
  • Participation In Defence Operations
  • Venereal Or Sexually Transmitted Diseases
  • War-Related Injuries

Common Add-on Covers Offered Under HDFC Health Insurance

HDFC Ergo health insurance offers a variety of add-on covers under their HDFC health insurance plans:

  • Critical Illness Cover
  • Room Rent Waiver
  • Hospital Daily Cash
  • Top or Super Top Up Cover

HDFC Health Insurance Buying Process

You can buy HDFC health insurance plans from the official website of HDFC Health Insurance and "". Take a look at both the buying processes for HDFC health insurance plans in detail:

Buy from ""

  • Visit the official website of "RenewBuy".
  • Click on the "Health Insurance Plan" tab.
  • Select the desired plan.
  • Fill in all the required details.
  • Click on the "Buy Now" button.
  • Make payment.

Buy from the official website of HDFC health insurance

  • Visit the official website of "HDFC Ergo Health Insurance".
  • Click on the "HDFC Ergo Health Insurance" tab.
  • Select your desired plan.
  • Fill out the form that shows on the next page.
  • Click on the "Buy Now" button
  • A pop-up will show you the plan details and the add-on covers offered under the plan.
  • Add the desired add-on riders to your HDFC health insurance plan.
  • Calculate the premium amount and make the payment
  • The HDFC Ergo health insurance company will send the policy documents to your registered email address.

Why Buy HDFC Health Plans From RenewBuy?

RenewBuy brings you the best deals on HDFC Ergo Health Insurance plans across the market. The key reasons for you to consider us are as follows:

HDFC Health Insurance Renewal Process

To ease the process of renewal of the HDFC ERGO health plan for the consumer, HDFC Health Insurance offers a quick and easy renewal process. You can easily renew your HDFC Ergo health plans in just a few clicks. Below-mentioned are the steps to renew your HDFC Ergo health insurance plans:

Cashless Claim Process

  • Intimate the insurer within 48 hours of hospitalization
  • Fill and submit the claim form
  • Submit the other necessary documents
  • Once the claim is approved, the insurer will settle the medical bills directly with the hospitals.

Reimbursement Claim Process

  • Intimate the insurance company
  • Collect the original discharge summary.
  • Fill and submit the claim form along with the ID proof
  • The insurance company will verify the documents
  • Once the verification is done, the insurance company will initiate the reimbursement process.

HDFC Ergo Health Insurance Claim Process

HDFC Health Insurance provides a quick and hassle-free claim settlement process. There are two types of claim settlement processes, i.e. Cashless Claim Process and the Reimbursement Claim Process. To know about both the HDFC health insurance claim processes in detail have a look at the section below:

Cashless Claim Process

  • Intimate the HDFC health insurance company by filling out the pre-authorization form.
  • The hospital will send all the required documents to the hdfc ergo health insurance for verification.
  • Once the document verification is done, the hdfc ergo insurance company will update you about the status of the pre-authorization form.
  • The Policyholder can take the cashless hospitalization based on the claim form approval.
  • After the discharge of the policyholder, HDFC Ergo insurance will settle the treatment bill directly with the hospital.

Reimbursement Claim Process

  • Intimate the HDFC Ergo health insurance within 48hr of hospitalization (24 hr in case of emergency).
  • Submit the claim form along with the other required documents to the HDFC Ergo health insurance.
  • The claim management team of hdfc health insurance company will verify the documents.
  • Once the verification is done, the hdfc ergo health insurance company will send the claim approval letter to the insured person.
  • After 6 working days, the claim amount will be reimbursed to your desired bank account.

Required Documents for Reimbursement Claim

  • Original duly filled and signed claim form
  • Referral letter and prescription of the Doctor
  • Authorized Photo-ID proof
  • Original pathological or diagnostic tests reports or radiology reports and their payment receipts
  • Original bills from pharmacy or chemists
  • First Information Report (FIR) and final police report (if required)
  • Original bills, discharge cards, receipts from the hospital or medical practitioner
  • Any other document as required by the care health insurance company to assess the claim
  • Post-mortem report (in case of an accident)

HDFC Ergo Health Insurance Contact Details

If you have any queries regarding HDFC Health Insurance plans, then you can get in touch with HDFC Health Insurance using the contact details given below:

Address: HDFC Ergo Health Insurance 1st Floor, HDFC House, Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai - 400020

Whatsapp Service Number: 8169-500-500

To Buy a New Policy: 022-6242-6242
For Claim Related Queries, Renewal Related Queries: 011-6234-6234, 0120-6234-6234

Email ID:

24x7 Contact Number: +91-120-4507250