Knowledge Centre
Home / Health Insurance / Best Health Insurance Plans by HDFC ERGO

Best Health Insurance in India

Best Health Insurance in India

The most practical and sensible way to protect your family and yourself from unpredictable health emergencies without stress and financial worries is to purchase the best health insurance plan. It is a well-known fact that healthcare cost at rising every day and this is also a reality that is going to last in the future as well. Another fact is that, due to hectic schedules and sedentary lifestyles, in most cases, people, across age groups, are more vulnerable to illnesses. The Covid-19 pandemic is a lesson that medical emergencies can occur anytime and it can affect almost anyone. So, the best thing we can do is take safety precautions. One of the most important health preventive measures is to buy the best health insurance in India. It is a necessity that you safeguard your loved ones and yourself by buying the best health insurance.

Are you in a dilemma about which is the best health insurance in India? The answer to this is simple. The best health insurance is the one that fulfills all your health needs, has a quick and easy claim settlement process, is provided by a reliable insurance company, and can be purchased at cost-effective premiums. Also, the best health insurance is the one that provides services and features that eases your financial worries during medical emergencies.

HDFC ERGO’s Best Health Insurance Plans

  • 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
tab1
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

  • With Secure Benefit you get 2X coverage from the first day and a Plus Benefit with 100% increase in coverage after 2 years.
  • The Restore Benefit ensures 100% restoring of your base coverage
  • There is zero deductions on listed non medical expenses in its Protect Benefit feature.
Compare Quotes

Understand Coverage Offered by Our Best 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

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.

Choosing the Best Health Insurance Plan

There are different set of requirements for different people and that is why the ideal best health insurance plan may differ for different people. Below are few pointers which may help you:

For Individual

For Individual

For people who are single, the best individual health insurance plan can be perfect, as it covers your medical expenses. It is even more advantageous when you buy a health insurance when you are young because, comparatively, you are less likely to fall ill or require medical aid. Also, the premium will be relatively low.

For Family

For Family

Married people are more likely to have an additional financial responsibility for their spouse and children. Family floater plans are one of the best options in such cases. These plans cover you, your spouse and your children under the same policy. This also helps you to pay one single premium instead of paying a premium for individual policies.

For Coverage Boost

For Coverage Boost

There may be situations when you are not looking for a new health insurance plan but a booster plan to increase the coverage of your existing plan. While, you can opt to buy a new health insurance policy but you can also opt for a super top-up on your existing plan. A super top-up is an easy way to restore your health insurance policy and enjoy better coverage.

Reasons for Buying Best Health Insurance in India

It is a cruel reality that no matter how healthy or fit you are, you will need medical treatment or a doctor’s advice at some point in your life. Here are a few points you need to remember about health insurance:

  • The medical costs in the country and around the world are consistently rising. Even regular medical tests can cost you a significant amount of money. Your salary alone cannot cover these expenses nor should you take up so much financial burden on yourself. In worst cases, you may have to use your savings on hospital bills.
  • Diseases are no longer age-specific. The environmental damages, habit of processed food, and a hectic lifestyle have led to various kinds of illnesses in people of all ages.
  • Health insurance helps you cover medical treatment costs, pre and post-hospitalisation expenses, ambulance costs, critical illnesses, medicines or surgery expenses, and a lot more. The best health insurance also provides benefits like cashless hospitalization at network hospitals.
  • A health insurance policy also helps you to save money by enabling you to save taxes under Section 80D of the Income Tax Act, 1961.

Things to Keep in Mind before Buying Best Health Insurance

There are some points to keep in mind when selecting a good medical insurance policy:

1

Sum insured

It is the amount which you can claim to cover your medical expenses. The higher the sum insured it will cost you higher premium and vice versa. However, it should not influence your decision of purchasing the best health insurance. You need to choose a sum insured which will be enough to take care of a wide-range of medical costs. So, evaluate your medical needs, health history, existing illnesses, etc. and then decide on a suitable amount.

2

Coverage

If your policy coverage is in sync with your requirements, then you have found the best health insurance plan. For example, your senior citizen parents may require higher coverage due to multiple age-related health issues. Similarly, if you want to protect your entire family, opting for a family health insurance policy can be more valuable for you. When choosing a health insurance, it is important that you analyze your individual needs.

3

Waiting period

Almost all health insurance plans have a waiting period. It is the minimum period of time after buying a policy where you cannot raise a claim or use the insurance money for treatment of a health issue. Hence, do remember to check the waiting period before buying a health insurance plan.

4

Claim settlement ratio and process

Claim settlement can prove to be stressful amidst a medical emergency. Hence, you need to choose the best health insurance in India which provides a quick and hassle-free claim settlement procedure with less documentation. Also, keep an eye for an insurer that offers a low turnaround time, accessible customer service, and an overall smooth customer experience.

5

Cashless hospitalization

This feature helps you to avail hospital services without paying for the expenses upfront. Under this feature, the hospital directly settles the amount with the insurer. All you need to do is get admitted to a network hospital and share your policy number with the authorities.

6

Premium

The premium plays an important role to decide a health insurance plan. Before you choose a health insurance, research and compare different plans, their features, and costs. Do not just look for a low premium plan, go for a cost-effective premium that offers sufficient coverage.

7

Exclusions

Health insurance may not cover all types of medical procedures. Be sure to check the list of exclusions to avoid confusions later. Consult your insurer and read the policy document thoroughly.

8

Add-on coverage

Add-on riders or coverage improves your policy coverage and makes it more wide-ranging. Check the various riders and their premiums while buying a health plan. Research and check if they are useful to you and if they fit your budget.

13,000+
Cashless Network
Across India

Find Your Nearest Cashless Networks

search-icon
ORLOCATE Hospital NEAR YOU
Find 13,000+ network hospitals across India
Jaslok Medical Centre

Address

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

Roopali Medical
Centre Private Limited

Address

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

Jaslok Medical Centre

Address

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

Health Insurance Reviews & Ratings

4.4/5 Stars
rating

Our customers have rated us

quote-icons
male-face
Aravinth Manoharan

Optima Secure

22 Mar 2022

Banglore

I would like to give a note of appreciation to your team member Jayalaxmi for her rigorous follow up, patience and taking time out to explain the policy in detail and for helping me in choosing the right plan suitable for me.Her assistance through out the process of policy availing is outstanding.

quote-icons
male-face
Nirmal Kumar

Optima Secure

24 Jan 2022

Delhi

I contacted your health insurance team in regards to purchasing a health insurance plan. I was directed to your representive Mr Pradeep Yadav. He was very helpful in explaining the content of Insurance and its benefit, I wanted to send in my appreciation, and my thanks to him for great services.

quote-icons
male-face
Bhaumik Desai

Optima Restore

7 Jan 2022

Mumbai

I would like to give a note of appreciation to your Health advisor Dhiraj Chaudhri, for his rigorous follow up and assistance through out the process of policy availing is outstanding.

quote-icons
male-face
POONAM SHARMA

MY:HEALTH SURAKSHA

25 Sep 2021

Keep innovating and redefining the insurance sector Really appreciate the team work and knowledge to help us in getting our claims processed

quote-icons
male-face
PRAMOD NARAYAN TELANG

MY:HEALTH SURAKSHA

4 Sep 2021

Best Health insurance company in India. I highly recommend this to others!

Read Best Health Insurance Blogs

Do Health Insurance Plans Cover Lifestyle Diseases?

Do Health Insurance Plans Cover Lifestyle Diseases?

READ MORE
Published on 6 April, 2022
Millennials Should Know these Terms Before Buying Health Insurance

Millennials Should Know these Terms Before Buying Health Insurance

READ MORE
Published on 6 April, 2022
World Health Day 2022: 5 Important Tips for Good Health

Best Health Insurance Plan for a Millennial during Covid-19?

READ MORE
Published on 9 March, 2022
Best health insurance for 1 cr sum insured

Best health insurance for 1 cr sum insured

READ MORE
Published on 27 May, 2021

Frequently Asked Questions on Best Health Insurance Plans

The portability feature helps you change your health insurance plan so that you don't have to again go through a fresh waiting period term instead easily move from one insurer to another if your current plan is not adequate in covering rising medical costs.

Premiums are lower. Probability of having a pre-existing illness is low hence waiting periods may also not impact you. Also, accidental injuries can happen at any age so staying covered even when you are young is important.

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

Awards & Recognition

BFSI Leadership Awards 2022 - Product Innovator of the Year (Optima Secure)

ETBFSI Excellence Awards 2021

FICCI Insurance Industry
Awards September 2021

ICAI Awards 2015-16

SKOCH Order-of-Merit

Best Customer Experience
Award of the Year

ICAI Awards 2014-15

CMS Outstanding Affiliate World-Class Service Award 2015

iAAA rating

ISO Certification

Best Insurance Company in Private Sector - General 2014

slider-right
slider-left
View all awards
willing to buy a healthinsurance plan?
Done Reading? Willing to Buy A Health Plan?