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Covid-19: A Wake-up Call to Buy Health Insurance in India

health insurance plan

Who would have thought that there could be a second wave of Covid-19, and it could be even more dangerous than the first one? Variants and mutations of the virus have created chaos, and we never know what is going to happen in future. Proactively taking the best health coverage is highly advisable as hospitalisation expenses have been skyrocketing and we need to ensure our family is covered with the best health insurance policy that covers coronavirus expenses as well. Buying the best health insurance plan in India is vital to meet medical inflation which not only safeguards your present but also becomes a support for any future medical emergencies. Although, we have understood the importance of health insurance the hard way now, it's time to immediately rectify the mistakes and buy the best health insurance.

Health Insurance Plans for Everyone

Just launched online health insurance for bigger families

my:Optima Secure

Optima Secure from HDFC ERGO is packed with SO MUCH Benefits that give you an incredible 4X Coverage at no additional cost. HDFC ERGO is strongly backed by trust of over 1.5 cr customers in 18+ years. Get So Much Coverage So Much Choice & So Much Savings.

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health insurance policy for family

Health Plan for Caring Families

Your life revolves around your family. Then, why leave their health unprotected? Get a health insurance plan from us and make the most out of our special benefits like unlimited day care treatments and sum insured restore benefits which will cater every member’s medical needs.

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medical insurance policy for Individual

Health Plan for Aspiring Individuals

While you plan your finances, don’t miss out on buying a health insurance plan for yourself.Get benefits like fitness discount and sum insured rebound. Our health insurance plans for individuals will take care of medical expenses without impacting the savings.

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online health insurance for ageing parents

Health Plan for Ageing Parents

Your parents care for you always. It’s your turn to take utmost care of their health by securing their growing medical expenses. Our health insurance plan for parents offer lifelong renewability & AYUSH benefits to cater their growing medical needs.

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online health insurance for employees

Health Plan for Corporate Employees

If you already have a corporate health insurance, then it covers you only during your work tenure and goes out of action once you resign. Hence, get yourself covered under our comprehensive health cover for employees and leave aside financial worries arising due to medical expenses.

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online health insurance for senior citizens

Health Plan for Senior Citizens

It’s that phase of life when you must leave aside worries and stay worry free. Then, why let the stresses of paying medical bills bother you? Get yourself a health insurance plan that applies no room rent sub limits and is lifelong renewable.

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online health insurance for diabetic

Health Insurance for Diabetic

It is no secret that diabetics need special medical attention! While you track your blood sugar count and tackle Diabetes, let us offload hospitalisation worries with Energy health insurance plan.

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online health insurance for womens

Health Insurance for Women

No doubt you are a super women with super powers, but you too need medical care at some point of time in life. With my:health Women Suraksha stay secured against life threatening illnesses & stay financially strong.

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online health insurance for bigger families

1 Crore Health Plan

Medical expenses are ever rising. To beat steeper costs & massive bills, here's my:health Koti Suraksha plan that offers health cover up to 1 crore. Worried about heavy premiums? The good news is, this plan is not just comprehensive but affordable too "Big coverage @ small price"

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Compare our Best Health Insurance Plans

  • Just launched
    optima Secure health insurance policy

    Optima Secure

  • optima restore health insurance policy

    Optima Restore

  • my:health suraksha insurance plan

    my:health Suraksha

  • my:health koti suraksha insurance plan

    my:health Koti Suraksha

  • my: health women suraksha plan

    my:health Women Suraksha

  • my: health medisure super top-up plan

    my:health Medisure Super Top-up

  • critical health insurance policy

    Critical Illness Insurance

  • iCan cancer insurance

    iCan Cancer Insurance

Just launched
Optima Secure
Cashless hospitals network
4X Coverage*
Wider Pre & Post Hospitalisation
Wider Pre & Post Hospitalisation
free preventive health check-ups with optima restore
Free preventive health-check ups

Key Features

  • Secure Benefit: Get 2X coverage from Day 1.
  • Plus Benefit: 100% increase in coverage after 2 years.
  • Restore Benefit: 100% restores your base coverage
  • Protect Benefit: Zero deductions on listed non medical expenses°.
Optima Restore
Cashless hospitals network
10,000+ Cashless hospitals
Cashless Claims Settled in 20 Mins
Cashless Claims Settled in 20 Mins*~
free preventive health check-ups with optima restore
Free preventive health-check ups

Key Features

  • 100% Restored Benefit: Get 100% of your cover restored instantly after your first claim.
  • 2X Multiplier Benefit: Get up to 100% additional policy cover as no claim bonus.
  • Complete coverage 60 days prior & 180 days post your hospitalization. This ensures better planning of your hospitalization needs.
my:health Suraksha
no room rent restriction with my:health surakha plan
No room rent restriction
sum insured restoration with my:health suraksha
Sum insured rebound
pay premium in installments with my:health suraksha plan
Cashless claims approved within 20 minutes*~

Key Features

  • No Medical Test Upto 45 Years: It’s better to be safe than sorry! Secure your health when you are young to avoid medical tests.
  • Free preventive health-checkups: We offer free health check-ups so that you are healthier and happier always
  • Cumulative Bonus: Don’t think that your health insurance plan is of no use if you do not make a claim. It rewards you with additional 10% to 25% sum Insured upto a max of 200% depending on the plan opted at the time of renewal.
my:health Koti Suraksha
no waiting period with energy insurance plan
10,000+ Cashless hospitals
Get no claim bonus with energy
Cashless Claims Settled in 20 Mins*
restore benefit with energy insurance plan
Wider Pre&Post Hospitalisation

Key Features

  • 50 Lacs & 1 crore cover options: Choose your health cover from two options of sum insured as per your needs.
  • No room rent capping^*: Get the freedom to choose any room upto a standard private AC Room.
  • Wider Pre & Post hospitalisation: We offer wider coverage of 60 days for pre-hospitalisation and 180 days for post hospitalisation expenses towards investigations, therapies and consultation charges.
  • Cumulative Bonus: Get an additional 10% of the sum insured on every claim-free renewal, which can go up to a maximum of 100%.
my:health Women Suraksha
covers critical illnesses
Covers 41 critical illnesses
loss of job cover
Loss of Job optional cover
lumpsum benfit
Lump-sum benefit plan

Key Features

  • Covers women specific Cancer: Get coverage against 41 critical ailments.
  • Covers surgical procedures: Surgical expenses are rising steadily. Get coverage against surgical procedures.
  • Self empowering optional covers: Pay additionally for job of loss, pregnancy & new born complication cover.
my:health Medisure Super Top-up
higher cover at low premium with my: health medisure super top-up plan
Higher cover at low premium
compliments existing health insurance with my: health medisure super top-up plan
Compliments existing health insurance
no premium hike post 61 years with my: health medisure super top-up plan
No premium hike post 61 years

Key Features

  • Works on Aggregate Deductible: This health plan comes in action once your all round total claim amount reaches the aggregate deductible in a year, it’s not necessary for a single claim to meet the deductible unlike other top-up plans.
  • No health checkups upto Age 55 : It’s better to be safe than sorry! Secure your health when you are young to avoid medical tests.
  • Pay less, Get more: Opt for a long-term policy of 2 years and get a 5% discount.
critical health insurance policy
Critical Illness Insurance
covers 15 critical illnesses
Covers upto 15 Critical illnesses
lumpsum payouts benefit
Lumpsum payouts
affordable premiums
Affordable premiums

Key Features

  • No medical Check-ups: No medical check-ups up to the age of 45 years.
  • Lifetime Renewability: The policy can be renewed for a lifetime period.
  • Free Look Period: We provide a free look period of 15 days starting from the date of receipt of the policy document..
iCan cancer insurance
iCan Cancer Insurance
all stages cancer cover
Cancer cover for all stages
lumpsum payouts with iCan plan
Lumpsum Payouts
lifelong renewable
Lifelong renewable

Key Features

  • My Care Benefit: From chemotherapy to stem cell transplantation, iCan offers complete cover for conventional and advanced treatments.
  • CritiCare Benefits: Get an additional 60% of the sum insured, as a lump sum payment if cancer is detected of specified severity.
  • Follow-Up Care: Cancer treatments often have side-effects. Follow up care benefit gives you reimbursement up to ₹3,000 twice a year.
Compare Quotes
Get hdfc ergo health insurance plan
Choose Peace of Mind Over Panic
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What is Health Insurance?

What is health Insurance policy

Health Insurance is a medical coverage that helps you meet your medical expenses by offering financial assistance. Due to the high cost of hospitalization expenses, it is important to have a health insurance plan in place. In the current pandemic situation, health insurance plays a vital role in safeguarding your finances. You can buy a health insurance plan for your family and avail the below mentioned benefits & coverage.

health insurance covers medical expenses
Medical Expenses
health insurance covers cost of hospitalization
Cost of Hospitalization
health insurance covers icu charges
ICU Charges
ambulance cost covered in health Insurance
Ambulance Cost
day care procedures covered in health insurance
Day Care Procedures
ayush benefits covered in health insurance
AYUSH Benefit

Do I Really Need a Health Insurance Plan?

Why do you need a health insurance plan

The answer is a clear Yes, because most of us may require medical treatment at some point of time in life. Hence, it is important to have a good health insurance plan that caters to rising medical expenses. To meet these expenses and avail quality healthcare facilities, it is important to have a comprehensive health insurance cover. Take a look at the key reasons that makes health insurance a must-have.

beats medical inflation
Beat Medical Inflation
get quality healthcare facilities with medical insurance
Avail Quality Healthcare Facilities
get specialised treatments with medical insurance policy
Get Access to Specialised Treatments
Get cashless hospitalization with health insurance policy
Avail Cashless Hospitalisation Facility
Save tax with health insurance
Save Tax up to ₹75,000^
get preventive health check-ups with medical insurance
Get Preventive Health Check-up Coupons
Explore Our plans

3 Types of Health Insurance Plans you should know about

Indemnity health insurance plan

Indemnity Health Insurance Plan

This type of health insurance plan pays for your actual medical expenses on both cashless as well as reimbursement basis upto the sum insured. This is the most basic health insurance plan that everyone must-have. Optima Restore is one of the most recommended Indemnity health insurance plans offered by HDFC ERGO.

Just launched
optima restore health insurance for family
Optima Secure
4X Health Cover at No Additional Cost
  • Sum Insured from 5-2 Cr lakhs
  • Multiple Discount Options Save upto 50% on premium with our various discount options.
  • Protect Benefit Zero deductions on listed non medical expenses.
my:health suraksha insurance
my:health Suraksha
Comprehensive yet affordable
  • No room rent capping: Choose your desired hospital room
  • Preventive Health Check-up : on every renewal
  • Sum insured Rebound: Magical back-up that, reinstates exhausted sum insured
optima restore health insurance for family
Optima Restore
Recommended for small families
  • Sum Insured from 5-50 lakhs
  • Restore Benefit Get instant addition of 100% basic sum insured to your cover on your very first claim.
  • Multiplier Benefit Doubles your sum insured in two consecutive claim free years.
my:health suraksha insurance
my:health Koti Suraksha
Big Coverage @ Small Prices
  • 50 lacs & 1 crore sum insured available
  • No room rent capping upto private AC room
  • Unlimited day-care procedures
Top-up health insurance plan from HDFC ERGO

Top-up Health Insurance Plan

As the name goes, a top-up health insurance plan acts as an enhancement to your existing health insurance. If you already have health insurance or a corporate health cover and wish to get a wider cover at a low premium then a top-up plan works best. At HDFC ERGO, we have gone a step ahead to offer you a Super-top up plan that strengthens your existing health cover. It offers an extremely high coverage at low premiums.

my:health medisure super top-up plan
my:health Medisure Super Top-upHigher health cover at pocket-friendly premiums
  • No health checkups upto Age 55
  • Constant premiums from Age 61
  • Pay less, Get more
  • Offers pre-post hospitalisation expenses
  • Works on aggregate deductible
  • Covers day care procedures
fixed benefit medical insurance plans from HDFC ERGO

Fixed benefit Health Insurance Plan

While indemnity based health insurance and top up plans pay for medical bills on actual basis, a lump sum benefit based health insurance plan pays you in one go or lump sum. Its beneficial for meeting endless medical expenses arising out of critical ailments such as Stroke, Cancer, Paralysis, Multiple Sclerosis, etc.

Critical illness health insurance
Critical Illness Insurance
  • Upto 15 Critical Illnessess covered
  • Lump Sum payment in a single transaction
  • 2 Plans available
  • Option to buy for 1 & 2 Years
iCan cancer insurance plan
iCan Cancer Insurance
  • All types of Cancers Covered
  • Cashless Cancer Treatment
  • 60% Sum insured is available for lump sum payout
  • Avail 100% of SI for cancer treatment

Why Choose HDFC ERGO?

Why Choose HDFC ERGO health insurance

Our health insurance plans are designed keeping in mind the growing medical needs and rising inflation.

cashless claim service
Cashless Claim Service
network hospitals
10,000+ Network Hospitals
4.4 customer rating for hdfc ergo health insurance
4.4 Customer Rating
2 Decades in health insurance
Almost 2 Decades of Serving Insurance
most trusted brand in health insurance industry
One of Most Trusted Brand
1.5 Crore+ happy customers of hdfc ergo
1.5 Crore+ Happy Customers
Get Insured

Network Hospitals
Across India

Find Your Nearest Cashless Hospitals

Find 10,000+ network hospitals across India
Jaslok Medical Centre


C-1/15A Yamuna Vihar, Pincode-110053

Roopali Medical
Centre Private Limited


C-1/15A Yamuna Vihar, Pincode-110053

Jaslok Medical Centre


C-1/15A Yamuna Vihar, Pincode-110053

Understand Coverage Offered by Our Health Insurance Policies

hospitalization expenses covered by hdfc ergo

Hospitalization Expenses

Just like every other health insurance plan, we also cover your hospitalization expenses such as room rent, ICU, investigations, surgery, doctor consultations etc due to illnesses and injuries seamlessly.

mental healthcare covered in HDFC ERGO health insurance

Mental Healthcare

We believe mental healthcare is just as important as hospitalization due to physical illness or injury; hence, we cover hospitalization expenses incurred for treating mental illnesses.

pre & post hospitalisation covered

Pre & Post Hospitalisation

It means all your pre-hospitalization expenses upto 60 days of admission and post-discharge expenses till 180 days get covered, like the costs for diagnostics, physiotherapy, consultations, etc.

daycare procedures covered

Day Care Treatments

Medical advancements help in wrapping up important surgeries and treatments in less than 24 hours, and guess what? We cover you for that as well.

cashless home health care covered by hdfc ergo

Home Healthcare

In case of hospital bed non-availability, if the Doctor approves treatment at home we cover you for that as well. So that, you get medical treatment right at the comfort of your home.

sum insured rebound covered

Sum Insured Rebound

This benefit acts like a magical backup, which recharges your exhausted health cover to treat the next hospitalization. Basically, we ensure uninterrupted medical coverage at the time of need.

organ donor expenses

Organ Donor Expenses

Organ donation is a noble cause and we cover the medical and surgical expenses of the organ donor while harvesting a major organ from the donor’s body.

recovery benefits covered

Recovery Benefit

If you stay in a hospital for more than 10 days at a stretch, then we pay for other financial losses that might have happened due to your absence at home. It helps to take care of other expenses during your hospitalization.

ayush benefits covered

AYUSH Benefits

Let your belief in alternate therapies like Ayurveda, Unani, Siddha, and Homeopathy stay intact as we cover hospitalization expenses for AYUSH treatment as well.

free renewal health check-up

Free Renewal Health Check-up

Get a free health check-up within 60 days of renewing your policy with us.

lifetime renewability

Lifelong Renewability

Once you get yourself secured with, our health insurance plan there is no looking back. Our health plan continues to secure your medical expenses for your entire lifetime on break free renewals.

lifetime renewability

Multiplier Benefit

If there is no claim in the first year, in the next policy year, the sum insured will grow by 50%. It means, instead of ₹ 5 Lakh, your sum insured would now stand at ₹ 7.5 Lakh for the second year.

The above mentioned coverage may not be available in some of our Health plans. Please read the policy wordings, brochure and prospectus to know more about our health insurance plans.

adventure sport injuries

Adventure Sport Injuries

Adventures can give you an adrenaline rush, but when coupled with accidents, it can be hazardous. Our health insurance plan does not cover accidents encountered while participating in adventure sports.

self-inflicted injuries not covered

Self-inflicted Injuries

If you ever end up causing injury to your precious self, then unfortunately our health insurance plan will not cover for self imposed injuries.

injuries in war is not covered


War can be disastrous and unfortunate. However, our health insurance plan does not cover any claim that is caused due to wars.

Participation in defence operations not covered

Participation in Defence Operations

Our health insurance plan does not cover accidental injury while you are participating in defence (Army/Navy/Air Force) operations.

venereal or sexually transmitted diseases

Venereal or Sexually Transmitted Diseases

We do understand the criticality of your disease. However, our health insurance plan does not cover venereal or sexually transmitted diseases.

treatment of obesity or cosmetic surgery not covered

Treatment of Obesity or Cosmetic Surgery

Treatment of obesity or cosmetic surgery is not eligible for coverage under your health insurance plan.

buy a health insurance plan
All Set to Buy A Health Insurance Plan?

Know your Health insurance premium In 4 Easy Steps

know your health insurance premium


Let us know who do you want
to insure


Fill up member details


Choose Sum Insured


Calculate Premium

  How to Make a Claim for your HDFC ERGO Health Insurance  

The sole purpose of buying a health insurance plan is to get financial support at the time of medical emergency. Hence, it is important to read the below steps to know how Health Insurance claims process works differently for cashless claimsand reimbursement claim requests.

Health Insurance Cashless Claims get approved within 20* minutes

Fill pre-auth form for cashless approval


Fill up the pre-auth form at the network hospital for cashless approval

approval status for health claim


Once hospital intimates us, we send you the status update

Hospitalization after approval


Hospitalisation can be done on the basis of pre-auth approval

medical claims settlement with the hospital

Claim settlement

At the time of discharge, we settle the claim directly with hospital

We settle reimbursement claims within 6° hours


Hospitalisation at non network hospital

You need to pay the bills initially and preserve the original invoices

claim registration

Register a claim

Post hospital discharge send us all your invoices and treatment documents

claim verifcation


We verify your claim related invoices and treatment documents

claim approval"

Claim Settlement

We send the approved claim amount to your bank account.

Get health insurance plan for your family
Willing to Get A Health Insurance Plan
for Your Family?

Save Tax with Health Insurance Policy

Dual Benefit

A health insurance plan not only covers your medical expenses but also offers tax benefits so that you can save upto ₹ 75,000^ under Section 80D of Income Tax Act 1961. It plays an important role in planning your finances.

Tax deduction based on medical insurance premium paid

By getting yourself a health insurance plan, you can get a deduction of up to ₹ 25,000 per budgetary year for medical insurance premium under Section 80D of Income Tax Act 1961.

Deduction on medical insurance premium paid for parents

If you are paying the medical insurance premium for guardians, then you can also claim an additional deduction of up to ₹ 25,000 every budgetary year. If your parents or either of them is a senior citizen, then this limit can go up to ₹ 30,000.

Deduction on preventive health check-ups

You can also claim tax benefits on preventive health check-ups annually under Section 80D of the Income Tax Act. You can claim up to ₹ 5,000 every budgetary year as expenses incurred for preventive health check-ups.

Please note that the above-mentioned benefits are as per the current tax laws prevailing in the country. Your tax benefits may change subject to tax laws. It is advisable to reconfirm the same with your tax consultant. This is independent of your health insurance premium value.

If you think “I don’t need Health Insurance” , Think Again

Most of us consider employee health insurance as a secured cover for taking care of medical expenses. However, you must know that employer health insurance covers you only during your job tenure. Once you leave the company or switch jobs, you lose your health insurance benefits. Some companies do not offer health cover during initial probation period. Even if you have a valid corporate health cover it may offer a lower sum insured, lack modern medical coverage and may also ask you to co-pay for claims. Hence, always have a personal health insurance plan for yourself and your family to be double sure.

Just like you pay EMIs, credit card bills, invest in mutual funds or pay premium for life insurance plans to ensure a sound financial planning, similarly you need to buy a health insurance to secure your savings in the longer run. Because, most of us do not realize the importance of health insurance until something fatal hits us or people around us. Lack of awareness may hamper your savings if an unexpected medical expense comes up.

It is important to understand that you need a higher sum insured if you reside in a metro city where medical treatment expenses are high. If a single hospitalization in a year is enough to exhaust your sum insured then you should consider a higher sum insured. Just buying a health insurance won’t help in the long run. Getting a sum insured that’s enough to cover your medical expenses is equally important. Also, if you are covering more family members then consider taking a health insurance policy with a sum insured above 10 lacs.

Don’t just look at the premium and go back thinking if you should buy this health insurance plan. Looking at the list of coverage and benefits before buying a health insurance plan is important and should not be overlooked. If you think of buying a health insurance plan with a low premium then there are high chances that you may miss out critical coverage. In future, you may feel that certain coverage is important but your policy doesn’t cover it. Scout for a health insurance plan that is not just pocket friendly but also value for money.

Many of us buy health insurance just to save tax under section 80 D. A health insurance plan helps you save tax upto ₹ 75,000. However, there is a lot more beyond saving taxes. Get yourself a health insurance plan that helps you during critical times and helps in saving finances in the long run. You must also get a health insurance plan for your parents, spouse, and kids to ensure complete financial security.

If you are young, hale and hearty you should buy a health insurance plan now to get lower premiums. Secondly, if you do not make claims post buying a health insurance cover you get cumulative bonus, which gives you hike in sum insured without charging extra premium as a reward for staying fit. Thirdly, every health policy comes in with waiting period, so if you buy health insurance while you are young your waiting period gets over during the initial years. Later, if you have any disease your policy covers you seamlessly. Lastly, looking at the pandemic situation it’s not wrong to say that any one at any point of time may need hospitalisation if not due to ailment may be due to an accidental injury; hence it’s important to stay prepared.

How to choose the Right Health Insurance Plan?

Every time you look for a health insurance plan, you wonder which is the best health insurance plan? How to choose the best health plan online? What coverage should it have? To answer all your queries let’s read more to decode the hacks to get the right health insurance plan.


Get yourself adequate sum insured

If you are residing in the metro cities then the cost of treatment is high hence for an individual your sum insured should ideally range between 7 lacs to 10 lacs. If you are looking for a family cover to insure your spouse and kids a sum insured that ranges between 8 lacs to 15 lacs suits best on floater basis. It should be adequate to cover more than one hospitalisation that may happen in a year.



If you wish to pay low premiums for health insurance plan then co-pay your hospital bills. You end up sharing the medical expenses with your health insurer hence you do not have to pay a heavy premium.


Vast Network of Hospitals

Always check if the insurance company has a wide list of network hospitals. If the nearest hospital or medical facility is listed by the insurance company it will help you avail cashless treatment. At HDFC ERGO, we have a huge network of 10,000+ cashless network hospitals.


No Sub-limits Help

Usually your medical expenses depend upon your room type and disease. It is recommended to buy a health insurance plan that does not have sub-limits on hospital room rent so that you can choose the hospital room as per your comfort. Most of our policies also don’t imply disease sublimit; this is also an important factor one must keep in mind.


Check Waiting Periods

Your health insurance plan does not come into action while you are waiting period is not completed. Always check health insurance policies with lower waiting periods for pre-existing ailments and maternity benefits before buying a health insurance plan online.


Trusted brand

Always choose a health insurance company that has a good reputation in the market. You must also look at the customer base and claim paying ability to know if the brand will honor the claims that you may make in future.

protect against coronavirus hospitalization expenses
Protect Your Family Against Coronavirus
Hospitalization Expenses

Which medical insurance plan is perfect for you?

With the development in technology, treatments and the availability of more effective medicines the cost of healthcare has steeply increased.

All this increase ends up being a burden on your savings, making healthcare unaffordable for many. This is where HDFC ERGO’s health insurance policies come into play, as they take care of the hospitalization and treatment charges, leaving the consumer free of financial woes.

With the development in technology, treatments and the availability of more effective medicines the cost of healthcare has steeply increased. All this increase ends up being a burden for the consumers, making healthcare unaffordable for many. This is where HDFC ERGO’s health insurance policies come into play, as they take care of the hospitalization and treatment charges, leaving the consumer free of financial woes. Get yourself a health insurance plan now.

my: health Suraksha silver health insurance plan

We recommend you my: health Suraksha Insurance Silver with ECB and Rebound.

This affordable health insurance plan will offer you a large coverage. It will help you save tax as well.In future, you can add your spouse and child to this plan as well.

Rebound Benefit

Acts as a magical tool to bring back the exhausted sum insured covering future hospitalization that may happen in the same policy period. Therefore, you always hold double protection although you pay only for a single sum insured.

Enhanced Cumulative Bonus

If you do not make any claim, your sum insured is increased by 10% as a bonus or reward upto a maximum of 100%.

This is our most-recommended plan for all those who are just willing to buy their first insurance plan.

What do you get in this Health Insurance Plan?

  • No hospital room rent restriction
  • Cashless claims approved within 20* minutes

Even though your employer covers you, the freedom to customize it as per your growing need does not remain in your hands; additionally, if you ever quit your job then your health insurance cover ends. So, why risk your health cover with an employer, when you can easily get one for yourself.

my: health Suraksha silver health insurance plan

We recommend you my:health Suraksha Silver Smart

However, if you still feel that your employer’s health cover or existing health cover suits well then there is no harm in topping it up for a higher cover at a much lower premium.

medisure super Top-up health insurance plan

We recommend you health Medisure Super Top-up:

This health insurance plan gives you a much higher cover at a lower premium. It acts as a top-up to your existing health insurance.

Why choose Medisure Super Top-up Health Insurance?

  • Hospitalisation covers
  • Day care procedures
  • High cover at a lower premium

If you are looking for a family health insurance plan then go for our best selling health insurance plan that aims at securing your family’s growing medical needs.

my: health suraksha gold insurance plan

We recommend you Optima Restore Family Health Insurance

This health insurance plan will take care of your family’s growing medical needs by offering sum insured restoration benefit, so that you never run out of health cover. It also gives 2x multiplier benefit to get a increase in sum insured when you do not make claims.

Why choose Optima Restore Family Health Insurance??

  • 10,000+ Cashless network hospitals
  • Pre-hospitalisation for 60 days and post hospitalisation upto 180 days remains covered
  • Tax savings up to 75,000*

We understand that you are deeply concerned about your parent’s growing age and willing to cover them. It’s important to gift then a health insurance plan, so that they don’t dig into their lifelong savings for paying hospital bills.

my: health suraksha silver insurance plan

We recommend you my:health Suraksha Silver

for your parents who may or may not be senior citizens. It is a simple no-fuss health insurance plan that gives all basic coverage at a premium that is pocket friendly.

Why choose my: health Suraksha Silver Health Insurance for Parents?

  • No room rent restrictions
  • Home health care for convenience
  • Alternative treatments covered like Ayurveda, Homeopathy, Unani and Siddha
  • 10,000+ Cashless hospitals
  • Hospitalisation, pre and post hospitalization expenses covered.

For all those confident and self-reliant women,

my: women health Suraksha silver health insurance plan recommendation

we have designed my:health Women Suraksha

to take care of women related 41 critical illnesses, cardiac ailments, and cancer cover.

Why choose my:health Women Suraksha?

  • Offers lump-sum benefit
  • Continue even after a minor illness claim is paid.
  • Includes almost all women-related ailments.
  • Extremely affordable premium.
  • Optional covers like loss of Job, Pregnancy & New-born baby complications, and Post-diagnosis support.

A single critical illness is enough to put a pause to your life be it due to the long treatment course or the financial requirements. We help you cover the medical expenses so that you focus only on recovering.

critical health insurance plan

We recommend you to buy a critical illness health insurance plan

for securing 15 major critical illnesses, which include stroke, cancer, kidney-liver failure, and many more.

Why choose HDFC ERGO Critical Illness Insurance?

  • Lump Sum payment in a single transaction
  • Helps in supporting in case of job loss
  • You can pay for your debts and fulfill financial responsibilities.
  • Tax benefits.

Am I eligible to buy a Health Insurance Plan?

Often, when we you think of buying a health insurance plan, the first thing that may come to your mind is that whether I am eligible to buy this health insurance plan? Will this particular medical insurance plan require some medical tests? Alternatively, do I have to fulfil age criteria before signing up for health insurance? These questions pop-up quite frequently, however, these days when you try buying a health insurance plan online, in a snap you can check your eligibility before buying a particular health insurance plan in India.

Key factors that decide your eligibility for buying Health Insurance Plans


Previous Medical Conditions / Pre-Existing Illnesses

While buying a mediclaim policy, you have to be honest enough to declare all your pre-existing illnesses. These illnesses need not be your usual fever, flu, or headaches. However, if in past you have ever been diagnosed with any disease, birth defects, undergone surgery, or cancer of any severity it is important to inform your medical insurance company. Because, many ailments are listed under permanentexclusion, few are covered with a waiting period and few others are covered by charging additional premium with a waiting period.



If you are above 18 years of age, you can easily buy a health insurance plan for yourself. We also cover newborn babies but the parent needs to have a mediclaim insurance policy with us. If you are a senior citizen,you can get yourself insured upto the age of 65 years.

Why Buy Health Insurance Online?

buy health insurance policy from anywhere, anytime


Gone are the days when you wait for someone to come and explain the policy to make a buying decision. With digital trends taking over the world, buying a health insurance plan from anywhere across the globe helps you in saving time, energy, and effort.

secured payment mode

Secured Payment Modes

You do not have to pay premiums in cash or cheque for your health insurance plan! Go Digital! Simply use your credit/debit card or net banking services to make payments online through multiple secured payment modes.

instant quotes & policy issuance

Instant Quotes & Policy Issuance

You can instantly calculate the premium, add or remove members, customize plans, and check coverage online at your fingertips to buy a health insurance plan online.

 get instant policy documents

What You See is What You Get

You no longer have to wait for the physical health insurance policy documents. Your policy PDF copy comes right into your mailbox as soon as you pay the premium online and you get your policy within a few seconds.

instant quotes & policy issuance

Wellness & value added services at your finger tips

Get access to your policy documents, brochure etc in our my:health services mobile application. Download our wellness application to book online consultations, monitor your calorie intake and keep a track on your BMI as well.

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Health Insurance Portability

Health Insurance Portability means an option to switch from your existing insurance company to another without losing continuity benefits. If your existing health insurance isn’t the right one and you wish to cover yourself with HDFC ERGO Health Insurance then you can port it, provided you have renewed your previous policies with other insurers without any breaks.

How to port a Health Insurance Plan from existing insurance to HDFC ERGO?

intimate the insurance company to port


You need to intimate us at least 30 days before the previous year’s policy expiry date that you wish to port your health insurance plan. You also need to tell us a few details of expiring policy like Sum Insured, members covered, your first policy inception date, etc.

check claims and medical history

Check claims and medical history

We shall check your medical history and claim to track and comprehend the risk before porting the policy.

undergo health check-up

Undergo health check-up

In case your age is beyond the requisite age group for the policy of choice or you are declaring a pre-existing disease, we may ask you to undergo a health check-up process before policy portability.

policy issuance

Policy issuance

Once your portability request is approved, your policy is ported. Moreover, you shall then be covered under HDFC ERGO Health Insurance.

HDFC ERGO Health Insurance Plan Covers Ayurveda & Other Treatments

About AYUSH Benefits

When you wish to hold on to your faith in the healing powers of Ayurveda, Unani, Siddha, and Homeopathy choose HDFC ERGO Health Insurance as we offer hospitalisation cover, if you wish to take treatment under these natural alternative therapies. These naturally designed therapies help you heal more easily with low side effects and better absorption by the body.

health insurance covers ayurveda treatments


A stands for Ayurveda. Ayurveda holds its origin from the past 5,000 years;Ayurvedic treatments involve a fine blend of spirituality, wellbeing, and nature. It believes in offering customized treatment for every patient. We at HDFC ERGO health insurance cover in-patient hospitalisation for treatments taken under Ayurveda.

health insurance covers unani treatments


U stands for Unani. Introduced by the Arabs and Persians, around the eleventh century, Unani is one of the most crucial alternative therapies in India. The key thought of Unani medicine is that disease results employs the humoral theory which presupposes the presence of four akhlaat (humours) in the body – dam (blood), balgham (phlegm), safra (yellow bile) and sauda (black bile).

health insurance covers siddha


S stands for Siddha; it is a term that means “one who is accomplished”. The Siddha system is based on a combination of ancient medicinal practices and spiritual disciplines as well as alchemy and mysticism. Just like Ayurveda, Siddha is also one of the oldest medical systems in India. Siddha medicine has been used widely for the management of chronic diseases and other ailments such as rheumatoid arthritis.

 health insurance covers homeopathy treatments


H stands for Homeopathy; this treatment is quite popular and is widely trusted upon. This medical system is based on the belief that the body can cure itself. Those who practice it use tiny amounts of natural substances, like plants and minerals. Homeopathy is holistic because it treats the person as a whole, rather than focusing on a diseased part or a labelled sickness.

Know what the expert speaks About our Health insurance plans

Ravi Vishwanath - President - Accident & Health Business
Ravi Vishwanath

Ravi has over 22 years of experience in the industry. He aims to be the distruptor in the health insurance sector by simplifying the entire health insurance process end-to-end; offering a delightful customer experience and seamless customer journey. He highly recommends buying a comprehensive high sum insured health cover for family especially during the pandemic, when securing medical expenses is a must.

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Frequently Asked Questions on Health Insurance

Yes. You do need a personal health insurance plan as your employee health insurance covers medical expenses only till the time your employment in valid in the organization the moment you leave the job your policy term ends. Looking at the medical inflation it is important to have a personal health insurance plan, which you choose as per your medical needs unlike a corporate health plan which is commonly designed for all employees.

Portability helps you change your health insurance plan so that you don't have to again go through a fresh waiting period term instead smoothly move from one insurer to another if your current plan is not helping you cover rising medical costs.

A pre-existing disease is a condition, ailment or injury that already exists at the time you buy a health insurance policy and these PEDs are generally excluded from the policy coverage for an initial waiting period. It could be diabetes, hypertension, thyroid, asthma etc

Cashless hospitalization is a process wherein the insured person doesn't have to pay a medical expenses out of his pocket in case of a hospitalization or surgery and the entire . However, you may have to pay certain deductibles or non medical expenses at the time of discharge.

Whenever you plan have a surgery there are certain pre hospitalization expenses such as diagnosis cost, consultations etc similarly post discharge there could be similar expenses to monitor the health of the insured patient, such expenses are termed as pre and post hospitalization expenses.

Yes, you may have to undergo medical tests before buying a health insurance. Also, some health insurance policies ask for it only if you have a pre existing illness or you are above 40 years old.

You can add your family members at the time of buying the policy or at the time of renewal.

You can include your child post 90 days of birth up to 21 years.

You get to pay a lower premium and higher benefits. Probability of having a pre-existing illness is low hence waiting periods may also not impact you. Also, common illnesses such as flu and accidental injury can happen at any age so staying covered even when you are young is important.

Yes. You can always have more than one health insurance plan based on necessity and coverage requirements as every plan works differently and offer varied benefits.

Waiting period is the time span during which you cannot register a claim to avail some or all benefits of the health insurance from your insurance provider for a specified illness. This means you must wait for a specified amount of time before you make a claim.

During this free look period, you have the option of canceling your policy without penalty if you feel your policy is not beneficial. Depending on the insurance company and the plan offered, the free look period can be 10-15 days or even longer.

Network hospitals often referred as cashless hospitals are tied up with your insurance company due to which you can avail cashless hospitalization benefit, however whenever you get admitted at a non-network hospital you have to pay the bills first and later claim for reimbursement. Always choose a health insurance company which has a large network hospital tie-up like HDFC ERGO has 10,000+ cashless hospital network.

When the Insured Person is in such a state that he/she cannot be moved to a hospital or the treatment is taken at home due to non-availability of room in the hospital is termed as Domiciliary Hospitalization.

In case of a hospitalization cover we cover expenses like pre and post hospitalization expenses for your diagnostic tests, consultations and medicine costs. We also cover ICU, Bed charges, medicine cost, nursing charges and Operation theatre expenses widely.

You can buy a health insurance plan for yourself once you are 18 years old before that you can get yourself covered under family health insurance plan.

No. Health insurance cannot be bought individually by a minor, however the parents can cover the child under their family floater health insurance.

Whenever you get admitted at a non-network hospital you have to pay the bills first and later claim for reimbursement. Always choose a health insurance company which has a large network hospital tie-up like HDFC ERGO has 10,000+ cashless hospital network.

Yes. Health insurance plans are designed keeping in mind the modern medical requirements. Hence, we cover diagnostic expenses incurred on X-ray, MRI, ultrasound, blood investigations etc.

All HDFC ERGO health insurance plans cover diagnostic charges during hospitalization, pre-hospitalization and post discharge as well.

Yes. Once your specified waiting period is over you will get coverage for your pre-existing illnesses.

You need to check your policy document and enroll your family members by mentioning their name and age to get them covered.

Buying a health insurance plan online is no different than receiving a policy copy physically, in fact buying online is quick and hassle-free. You do get your cashless card via courier/postal services. To know about cashless hospitals you can visit our website or call us. We have a huge network of 10,000+ cashless network hospitals.

We cover medically necessary expenses such as blood investigations, diagnostic charges such as CT scan, MRI, sonography etc. You also get covered for hospital room rent, bed charges, nursing charges, medicines and doctor visits.

Yes, Most of the health insurance policies offered by HDFC ERGO do cover modern treatments and robotic surgeries.

Yes. You can raise an endorsement request and ask for change in nominee.

You do not have to worry if your policy has got lapsed during hospitalization as you get a grace period of 30 days post expiry, however if you do not renew your policy within the grace period and hospitalization happens post grace period then you policy lapses and you will have to pay for the medical expenses.

Waiting periods are applied right at the inception of the policy it doesn't really change with renewal. However, with every renewal you tend to waive off waiting period until you reach a time when you have no waiting period and your policy covers you for most of the treatments.

Yes. You can only if your child is an Indian citizen. Or else you may have to get a travel insurance for students.

Smokers are exposed to higher risks! If you smoke there are chances that you may develop some or the other ailment at later life stage due to which you may claim. Hence, insurance companies looks at such insured as high risk and the premium is a bit high for such individuals.

Cumulative Bonus as the name goes is the bonus/ reward that one gets for remaining fit and not filing a claim. The benefit of cumulative bonus is granted in the year of renewal by making an increase in the sum insured amount, only up to a certain year for every claim-free year. This helps you avail higher sum insured without paying extra.

With HDFC ERGO, you get family discount if you cover 2 or more family members under a single health plan on individual sum insured basis. You can also avail long term policy discount on buying a health insurance for more than 2-3 years. We also offer fitness discount on renewals.

Ideally No. Health insurance plans in India is offered to Indian citizens only.

If you cancel your health insurance plan within the free look period you will get your premium back post that you wont.

Yes. Network hospitals have a pre-agreed tie-up with your insurance company hence every network hospital offer cashless facility.

There's no limit on number of claims. If your sum insured gets exhausted then you may not be able to raise claims. We recommend buying our Optima restore health insurance plan or my:health suraksha as both of these plan help you by offering coverage post sum insured gets exhausted by restoring the lost sum insured. This helps you register more claims.

Yes. There is a possibility that your pre-authorization request for cashless claim may get rejected if you have filed a claim for an ailment/disease which is either permanently excludes, falls in waiting period or if your sum insured has exhausted.

For reimbursement claims you need to intimate the insurance company within a period of 30 days post discharge.

The claim settlement ratio (CSR) reveals the percentage of claims the insurer has paid out during a financial year. In simple words, it helps you know if your insurer has a strong financial capability to pay for claims.

Your policy continues as is only the amount you claimed for gets deducted from your sum insured. However, post renewal your sum insured again gets back to what you had opted for at the time of renewal.

Not really, however having a high cover health insurance like Koti Suraksha by HDFC ERGO ( 1 crore health plan) helps you tackle all the possible medical expenses. You don't have to worry about rising medical expenses.

You can raise either a cashless claim request by contacting the insurance department at the network hospital or inform your insurer post discharge about the hospitalization and send invoices to avail reimbursement benefits.

You need to intimate your insurer/raise a claim request as soon as possible maximum time is 30 days post discharge.

Mediclaim process is the modern day reimbursement process, wherein you raise a claim post discharge by submitting original invoices and treatment documents.

Yes. There are waiting periods depending upon the policy. Usually there is a waiting period for specific ailment/diseases which could be for 2-4 years.

With the development in technology, treatments and the availability of more effective medicines the cost of healthcare has steeply increased. All this increase ends up being a burden for the consumers, making healthcare unaffordable for many. This is where HDFC ERGO’s health insurance policies come into play, as they take care of the hospitalization and treatment charges, leaving the consumer free of financial woes. Get yourself a health insurance plan now.

You can renew health insurance policies within a few minute. Click here to renew instantly.

Yes. You can port your health insurance policy with any other insurer without impacting your waiting periods.

Waiting period is fixed at the inception of the policy it is not dependant on the sum insured. Hence, even if you increase your sum insured your waiting period continues until you keep renewing to get away with the waiting period term.

Yes. If you have not made claims then you get a cumulative bonus, which is increase in sum insured without paying for the same. You can also get fitness discount if your health parameters such as BMI, diabetes, Blood pressure is improved.

Possibly yes. If you have not renewed your policy within the grace period then there are high chances that your policy may lapse.

Yes. You can add or remove optional/add on cover at the time of renewal. This is not permitted during the policy tenure.

It takes less than 5 minutes to renew HDFC ERGO health insurance policy online.

You usually get a grace period of 30 days to renew so you can renew within the grace period, however if your grace period is also over then your policy lapses and you need to contact your insurer for renewing expired health insurance plan.

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