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HDFC Ergo General Insurance

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About HDFC Ergo

HDFC ERGO General Insurance Company Limited is a joint venture of HDFC Ltd. and a German company ERGO International AG, which in turn is a part of Munich Re Group. The partnership between the two stakeholders stands at 74:26.

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Founded in the year 2002, the Company is headquartered at Mumbai and has over a 100 branches across the country. One of the largest general insurance companies in the nation, it offers a complete range of products including Health, Travel, Motor, Home, Personal Accident, Marine and Liability Insurance.

HDFC Ergo Health Insurance

The health insurance plans designed by HDFC ERGO are one of the best in the industry and offer medical coverage in case of hospitalization and critical illness. The health insurance policies on offer are:

Health Suraksha

Health Suraksha Plan offers cashless hospitalization in any of the 5000+ network hospitals without sub-limits on the hospitalization expenses.

Highlights
  • Cashless hospitalization in over 5000 hospitals.
  • Available both as individual and family floater plan.
  • Term plan may be 1-2 years.
  • Sum Insured (SI) may be Rs. 3/4/5/7.5/10 lakhs.
  • No medical check-up required for those under 45 years of age.
  • Income tax benefits under section 80-D of Income Tax Act.
  • No sub-limits on room rent, hospitalization expenses, and doctor fees.
Cashless Hospitalization

Benefits
Hospitalization ExpensesCovered up to Sum Insured. It includes room rent, nursing charges, doctor fee, operation theatre (OT) charges, cost of blood, oxygen and surgical instruments, diagnostic procedures and prosthetic devices.
Pre-hospitalization ChargesCovered up to 60 days before hospitalization.
Post-hospitalization ChargesCovered up to 90 days after hospitalization.
Daycare ProceduresCost of 144 listed procedures covered which do not require hospitalization more than 24 hours.
Domiciliary TreatmentCovered for availing medical treatment at home in case the patient cannot be transferred to a hospital due to his/her condition or unavailability of bed.
Organ DonorExpenses covered in case of a transplant.
Ambulance ChargesCovered in the case of an emergency.
AYUSH TreatmentCovered for expenditure on Ayurveda, Unani, Siddha, and Homeopathy.
Cumulative Bonus/No Claim Bonus5% increase in SI every claim-free year, up to a maximum of 50%
Medical Check-upUp to 1% SI or Rs.5000, whichever is less, after 4 continuous claim-free years.
Exclusions

The main exclusions under the policy are:
  • Pre-existing conditions till 4 years of the policy.
  • 30 day waiting period for claims.
  • A 2-year waiting period for certain conditions mentioned in the policy document e.g. cysts, internal tumors, surgeries on sinuses and tonsils etc.
  • Any intentional self-harm or suicide attempt.
  • Claims arising out of armed conflicts or wars.
  • Treatment of HIV/AIDS.
  • Drug abuse.
  • Cosmetic surgery unless necessitated by accidental injury.
  • Vaccinations.

Health Suraksha with Regain and ECB

This health insurance policy provides financial security in case of exhaustion of the sum insured.

Highlights
  • Cashless hospitalization in over 5000 hospitals.
  • Available both as individual and family floater plan.
  • Term plan may be 1-2 years (10% discount for 2-year term).
  • Family discount of 10% if 2 or more members are covered on an individual basis.
  • Sum Insured (SI) may be Rs. 3/4/5/7.5/10 lakhs.
  • REGAIN benefit - automatic availability of sum insured upon exhaustion.
  • Income tax benefits under section 80-D of Income Tax Act.
  • No sub-limits on room rent, hospitalization expenses, and doctor fees.
Benefits
Hospitalization ExpensesCovered up to Sum Insured. It includes room rent, nursing charges, doctor fee, OT charges, cost of blood, oxygen and surgical instruments, diagnostic procedures and prosthetic devices.
Pre-hospitalization ChargesCovered up to 60 days before hospitalization.
Post-hospitalization ChargesCovered up to 90 days after hospitalization.
Daycare ProceduresCost of 144 listed procedures covered which do not require hospitalization more than 24 hours.
Domiciliary TreatmentCovered for availing medical treatment at home in case the patient cannot be transferred to a hospital due to his/her condition or unavailability of bed.
Organ DonorExpenses covered in case of a transplant.
Ambulance ChargesCovered in the case of an emergency.
AYUSH TreatmentCovered for expenditure on Ayurveda, Unani, Siddha, and Homeopathy.
Enhanced Cumulative Bonus (ECB)10% increase in SI every claim-free year, up to a maximum of 100%
REGAIN BenefitAutomatic availability of SI upon exhaustion during the policy year. It will be replenished only once during the year and shall not be carried forward to the next year.
Medical Check-upUp to 1% SI or Rs. 5000, whichever is less, after 4 continuous claim-free years.
Exclusions

The main exclusions under the policy are:
  • Pre-existing conditions till 4 years of the policy.
  • 30 day waiting period for claims.
  • A 2-year waiting period for certain conditions mentioned in the policy document e.g. cysts, internal tumors, surgeries on sinuses and tonsils etc.
  • Any intentional self-harm or suicide attempt.
  • Claims arising out of armed conflicts or wars.
  • Treatment of HIV/AIDS.
  • Drug abuse.
  • Cosmetic surgery unless necessitated by accidental injury.
  • Pregnancy, dental and external aids.

Health Suraksha Gold

This plan offers not only coverage for the hospitalization and its related expenses but also  provides additional benefits like maternity and newborn cover and the option of e-opinion for critical illness.

Pregnancy and Newborn Coverage

Highlights
  • Cashless hospitalization in over 5000 hospitals.
  • Available both as individual and family floater plan.
  • Lifelong renewability.
  • Term plan may be 1-2 years (discount of 10% on 2-year term).
  • Family discount of 10% if 2 or more members are covered on an individual basis.
  • Sum Insured (SI) may be Rs. 3/4/5/7.5/10 lakhs.
  • Maternity benefit and newborn cover after 4 years of the policy.
  • Income tax benefits under section 80-D of Income Tax Act.
  • No sub-limits on room rent, hospitalization expenses, and doctor fees.
  • E-opinion in critical illness.
Benefits
Hospitalization ExpensesCovered up to Sum Insured. It includes room rent, nursing charges, doctor fee, OT charges, cost of blood, oxygen and surgical instruments, diagnostic procedures and prosthetic devices.
Pre-hospitalization ChargesCovered up to 60 days before hospitalization.
Post-hospitalization ChargesCovered up to 90 days after hospitalization.
Daycare ProceduresCost of 144 listed procedures covered which do not require hospitalization more than 24 hours.
Domiciliary TreatmentCovered for availing medical treatment at home in case the patient cannot be transferred to a hospital due to his/her condition or unavailability of bed.
Organ DonorExpenses covered in the case of a transplant.
Ambulance ChargesCovered in the case of an emergency, up to Rs. 2000 (for SI of Rs. 3/4/5 lakhs) and Rs. 3500 (for SI of Rs. 7.5 and 10 lakhs).
AYUSH TreatmentCovered for expenditure on Ayurveda, Unani, Siddha, and Homeopathy.
Maternity BenefitCover of Rs. 15000 for normal delivery and Rs. 25000 for cesarean section.
E-OpinionSecond opinion by an empaneled healthcare specialist in case the policyholder is diagnosed with a critical illness.
Convalescence BenefitLump sum amount, up to 1% of SI is paid if hospitalization exceeds 10 days.
Cumulative Bonus5% increase in SI every claim - free year, up to a maximum of 50%
Medical Check-upUp to 1% SI or Rs.5000, whichever is less, after 4 continuous claim-free years.
Exclusions

The main exclusions under the policy are:
  • Pre-existing conditions till 4 years of the policy.
  • 30 day waiting period for claims, except in the case of an accident.
  • A 4-year waiting period for maternity benefit and newborn cover.
  • A 2-year waiting period for certain conditions specified in the policy document.
  • Any intentional self-harm or suicide attempt.
  • Claims arising out of armed conflicts or wars.
  • Treatment of HIV/AIDS.
  • Drug abuse and mental disorders.
  • Cosmetic surgery unless necessitated by accidental injury.
  • Vaccinations.

Health Suraksha Gold with REGAIN and ECB

This plan offers you financial security in case of exhaustion of the sum insured during the policy year.

Financial Security

Highlights
  • Cashless hospitalization in over 5000 hospitals.
  • Available both as individual and family floater plan.
  • Lifelong renewability.
  • Term plan may be 1-2 years (discount of 10% on 2-year term).
  • Family discount of 10% if 2 or more members are covered on an individual basis.
  • Sum Insured (SI) may be Rs. 3/4/5/7.5/10 lakhs.
  • Maternity benefit and newborn cover after 4 years of the policy.
  • Income tax benefits under section 80-D of Income Tax Act.
  • No sub-limits on room rent, hospitalization expenses, and doctor fees.
  • E-opinion in critical illness.
Benefits
Hospitalization ExpensesCovered up to Sum Insured. It includes room rent, nursing charges, doctor fee, OT charges, cost of blood, oxygen and surgical instruments, diagnostic procedures and prosthetic devices.
Pre-hospitalization ChargesCovered up to 60 days before hospitalization.
Post-hospitalization ChargesCovered up to 90 days after hospitalization.
Domiciliary TreatmentCovered for availing medical treatment at home in case the patient cannot be transferred to a hospital due to his/her condition or unavailability of bed.
Organ DonorExpenses covered in case of a transplant.
Ambulance ChargesCovered in the case of an emergency, up to Rs. 2000 (for SI of Rs. 3/4/5 lakhs) and Rs. 3500 (for SI of Rs. 7.5 and 10 lakhs).
AYUSH TreatmentCovered for expenditure on Ayurveda, Unani, Siddha, and Homeopathy.
Maternity BenefitCover of Rs. 15000 for normal delivery and Rs. 25000 for cesarean section.
E-opinionSecond opinion by an empaneled healthcare specialist in case the policyholder is diagnosed with a critical illness.
REGAIN BenefitAutomatic availability of SI upon exhaustion. It can only be replenished once in a policy year and cannot be carried forward to the next if unused.
Enhanced Cumulative Bonus (ECB)10% increase in SI every claim-free year, up to a maximum of 100%
Exclusions

The main exclusions under the policy are:
  • Pre-existing conditions till 4 years of the policy.
  • 30 day waiting period for claims, except in the case of an accident.
  • A 4-year waiting period for maternity benefit and newborn cover.
  • Any intentional self-harm or suicide attempt.
  • Claims arising out of armed conflicts or wars.
  • Treatment of HIV/AIDS.
  • Drug abuse and mental disorders.
  • Cosmetic surgery unless necessitated by accidental injury.

Health Suraksha Top Up Plus

It is a Top Up plan specifically meant to supplement your pre-existing plan for additional coverage. The sum insured of the pre-existing plan can be deductible for this plan.

Highlights
  • Coverage of up to Rs. 5 lakhs per annum over the selected deductible.
  • Option to convert the Top Up policy into Health Suraksha policy.
  • Lifelong renewability.
  • Entry age from 5 years to 65 years.
  • Policy term may be 1-2 years.
  • No capping on expenses of doctor fee, room rent etc.
  • A family discount of 10% if 3 or more members are covered.
Benefits
Sum InsuredRs. 2/3/4 lakhs
DeductibleRs. 1/2/3 lakhs
Hospitalization ExpensesCovered up to Sum Insured. It includes room rent, nursing charges, doctor fee, OT charges, cost of blood, oxygen and surgical instruments, diagnostic procedures and prosthetic devices.
Pre-hospitalization ChargesCovered up to 60 days before hospitalization.
Post-hospitalization ChargesCovered up to 90 days after hospitalization.
Daycare ProceduresCost of 140 listed procedures covered which do not require hospitalization more than 24 hours.
Domiciliary TreatmentCovered for availing medical treatment at home in case the patient cannot be transferred to a hospital due to his/her condition or unavailability of bed.
Organ DonorExpenses covered in case of a transplant.
Ambulance ChargesCovered in the case of an emergency, up to Rs. 2000 per hospitalization.
Cumulative Bonus5% increase in SI every claim-free year, up to a maximum of 50%
Exclusions

The exclusions under the policy are:
  • The company shall make no payment unless the expenditure exceeds deductible.
  • 30 days waiting period for all claims, except in the case of an accident.
  • A waiting period of 2 or 4 years on certain conditions, as specified in the policy document.
  • Non- allopathic treatment expenses.
  • Treatment of HIV/AIDS.
  • Any claims arising out of war or armed conflict.
  • Pregnancy, dental and external aids.
  • Mental disorders and drug abuse.
Mental Disorders

Critical Illness Insurance

This health insurance product provides lump sum amount for the diagnosis of any of the mentioned critical illnesses.

Highlights
  • Lump sum benefits on the diagnosis of the mentioned 8 critical illnesses.
  • Tax Benefit under section 80-D of Income Tax Act.
Benefits
  • Lump sum benefits in case of diagnosis of the following critical illnesses:
    • Heart attack
    • Multiple sclerosis
    • Stroke
    • Cancer
    • Kidney failure
    Kidney Failure
    • Major organ transplantation
    • Paralysis
    • CABG (Coronary Artery Bypass Grafting)
  • The amount can be used to pay for hospitalization expenses, to pay off debts, compensate for lost income and aid a change in lifestyle.
Exclusions

The following exclusions exist under the policy:
  • A waiting period of 90 days for all claims.
  • Treatment of HIV/AIDS.
  • Pregnancy and related complications or delivery expenses.
  • Intentional self-harm or suicide attempt.
  • Claims arising out of an armed conflict or war.
  • Drug abuse.
  • Participation in adventure sports or similar activities.

Critical Illness Platinum

This plan provides lump sum benefit in case of the first diagnosis of any of the mentioned 15 critical illnesses.

Highlights
  • Lump sum benefits on the diagnosis of the mentioned 8 critical illnesses.
  • Tax Benefit under section 80-D of Income Tax Act.
Benefits
  • Lump sum benefits after a survival period of 30 days in case of diagnosis of any of the following critical illnesses:
  • The amount can be used to pay for hospitalization expenses, to pay off debts, compensate for lost income and aid a change in lifestyle.
Exclusions

The following exclusions exist under the policy:
  • A waiting period of 90 days for all claims.
  • Treatment of HIV/AIDS.
  • Pregnancy and related complications or childbirth expenses.
  • Claims arising out of an armed conflict or war.
  • Drug abuse.
  • Participation in adventure sports or similar activities.
  • Intentional self-harm or suicide attempt.
Suicide Attempt
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"Car insurance from HDFC ERGO is a worthy investment Last year, I have purchased a car insurance from HDFC ERGO. It is simply the best in terms of affordability and value of services and gives me enough strength to deal with the unexpected outgo that pop-up due to the damage of my car in an accident. HDFC ERGO's easy claim settlement, instance roadside assistance, online buying and renewal of policy makes it one of my favorite insurance providers. Purchasing a car insurance policy from HDFC ERGO has indeed proved to be an excellent solution to my car damage woes."
HimankSharma Wednesday, October 14, 2015
Too happy with my HDFC EGRO health insurance policy! In 2013, I purchased a health insurance policy from HDFC ERGO. Though that time I was not very much convinced by the policy I bought, but today I have completed two good years with HDFC ERGO insurance policy and I am really happy with it. The crisis came and went off with ease and my HDFC ERGO health insurance policy was always by my side in every medical trouble that I and my family suffered. What's good about this policy is that one policy covers all my family members and has good benefits too. It covers cashless claims at 4800 network hospitals with no sub-limits on hospital expenses, hospital room rents, and doctor fees. This policy also offers easy claim procedures with minimal documentation. I am really happy and satisfied with the kind of service HDFC ERGO delivers to its customers. Thank you guys and keep up the good work :]
RockKatt Monday, August 3, 2015
HDFC ERGO travel insurance helped me during my Hong Kong tour. It was that time of the year when I visited Hong Kong with my family. While preparing for the vacation, my relatives told me to buy a travel insurance policy from HDFC ERGO. Though, at that time I wasn’t much aware of its benefits but I chose to buy one just for their sake. However, during my vacation, my daughter happened to lose her passport somewhere, and it was only with the help of the insurance company that we managed to get her out of the situation with ease. Thank you guys and keep up the good work.
NickBoon Tuesday, June 16, 2015
Good experience with HDFC ERGO! Six months ago, I met with an accident while coming back from work. My wife had a tough time in managing finances at that time. But thanks to our Personal Accident Insurance policy from HDFC ERGO that offered easy claim settlement to us. The customer care staff at the company assisted us in every step and turned out to be a true partner at the time of crisis. I therefore recommend everyone to buy Personal Accident Insurance from HDFC ERGO.
shobitgarg Tuesday, June 16, 2015
Didn't know That Insurance Policies Can Also Be Replaced If you're are not satisfied with your health insurance policy sum cover, it's the time you think of an alternative, like I did with HDFC ERGO Suraksha Top Up Plus policy. It is an amazing option that alters the need of buying multiple health insurance policies, as it supplements your existing mediclaim policy, insuring you for a larger sum insured limit at lower cost. Really happy with HDFC ERGO, they saved my money. Thanks a lot!
liza.123 Wednesday, April 29, 2015
I have purchased a car insurance policy for my new Maruti Alto by HDFC ERGO. Before purchasing the policy, I was searching for the company that provide the insurance at minimal amount with maximum coverage. I compared the various insurance plans online. Then I read online about the reviews of HDFC ERGO and got reviews from some of my friends who had policy with HDFC ERGO. I got positive vibe for this company. So I decided to purchase it. It's 4 years passed but I face not a single issue with the company. They timely inform me about the policy renewal date. I am happy with their services.
jitenderk Friday, March 20, 2015
I opted a health insurance policy by HDFC ERGO in 2013. Every time claim settlement was easily done. I am very happy with their customer support service. They assisted me very well in an hour of need and helped me in paying medical treatment costs. All the cost was beared by HDFC ERGO. You can trust upon them.
Nikhilesh_Kumar Wednesday, March 18, 2015
HDFC ERGO helped me in an hour of need. I bought a health insurance policy by HDFC ERGO 2years back. In April 2014, I had an heart attack, my entire family was in trouble as I was the only one earner in the family. I was hospitalized for about 20 days which costs about 2.4 lakhs approx. All the medical bills along with ambulance charge were paid through the insurance company. I highly feeled great for buying policy from HDFC ERGO. They saved my life by providing cashless mediclaim service. They are best in providing insurance service.
Hemant_Kumar Monday, March 9, 2015
Excellent Service of HDFC ERGO General Insurance Company Limited. My sister got the HDFC ERGO cashless health insurance policy from her office, She has some problem with her ear due to which minor operation was done. We have just informed the hospital that we have the insurance after on words they contracted with an insurance company and got the all the amount of operation and other hospitalization cost without any hassles. I am pleased with HDFC ERGO claim process.
Nikhilverma Wednesday, February 18, 2015
I have good experience with HDFC ERGO General insurance Comapny Limited, I purchased the HDFC ERGO health suaksha cashless plan for 2 years and after 6 months I admitted to hospital. With their cashless health insurance plan, I did not need to pay that much amount. They covered all hospitalization expenses and provided me the best service. All was settled down with ease.
Nitin_Sharma Tuesday, February 10, 2015
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