🏥 Company Overview
HDFC ERGO Health Insurance (a joint venture between HDFC Ltd. and ERGO International, Germany) is one of India’s most reliable and customer-centric insurers. With a strong presence across the country, it offers a wide network of 12,000+ hospitals and a diverse range of health insurance products suitable for individuals, families, and corporates. Known for tech-driven claim settlement and cashless hospitalization, HDFC ERGO has earned a strong reputation in the market.
🔹 Quick Plan Comparison
| Plan Name | Sum Insured Options | Unique Features | Waiting Periods |
|---|---|---|---|
| Optima Secure | ₹5L – ₹2 Cr | 4X Coverage Benefit, No Room Rent Limit, Maternity Benefits | 30 days (general), 3 years (PED) |
| my:health Suraksha | ₹3L – ₹75L | Family Floater, Free Health Check-ups, No Claim Bonus up to 200% | 30 days (general), 2–3 years (PED) |
| my:health Medisure Super Top-up | ₹1L – ₹50L | Affordable Top-up Policy, Covers High Medical Costs, Works with Any Base Plan | 30 days (general), 3 years (PED) |
🏆 Awards & Recognition
- Best Customer Experience Award – Customer Fest Leadership Awards
- Best Insurance Company of the Year – Outlook Money Awards
- Digital Transformation Leader in Indian insurance sector
📋 Why Choose HDFC ERGO Health Insurance?
- Cashless Access in 12,000+ Hospitals across India
- Innovative Products with 4X coverage benefits (Optima Secure)
- Quick and Transparent Claims Process with 90%+ settlement ratio
- Wide Variety of Plans from top-up covers to family floaters
- Backed by HDFC Group’s Trust and Global Expertise of ERGO