Knowledge Centre
₹5 lacs - ₹2 Cr
Additional 5% Online


99.8% Claim Settlement Ratio**
97% Claim

Settlement Ratio*^

₹7500+ Cr claims Settled till now#
₹7500+ Cr claims

Settled till now^*

Individual Health Insurance

health insurance plan

Due to the collective nature of Indian society, the well-being of family and relatives is often given precedence over individual wellbeing. In order to ensure health and happiness for the family, we ignore individual health. It is pertinent to note that the prosperity of a family depends on the welfare of each member. Being the breadwinner, your health is of utmost importance. HDFC ERGO Optima Secure can be the one-stop solution for your wellbeing. A comprehensive network of hospitals and superfast processing ensures that you get the best treatment within minutes.

Individual Health Insurance Plans for You

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 the trust of over #1.5 cr customers gained over the period of 18+ years. Get So Much Coverage So Much Choice & So Much Savings.

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medical insurance policy for Individual

Optima Restore - Individual

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

my:health Medisure Super Top-up

Why pay more for a bigger cover when you always have an option to top it up with my:health Medisure Super Top-up. Our health insurance plan for individual offers lifelong renewability & AYUSH benefits to cater for their growing medical needs.

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my:health Suraksha

my:health Suraksha

Medical expenses are ever rising. To beat steeper costs & massive bills, here's my:health Suraksha plan that offers comprehensive health cover. Worried about heavy premiums? The good news is, this plan is not just comprehensive but affordable too.

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buy a health insurance plan
Choose Peace of Mind Over Panic

Compare our Best Individual 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 medisure super top-up plan

    my:health Medisure Super Top-up

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
Nearly 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 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.

Why Choose Individual Health Insurance?

Why Choose HDFC ERGO health insurance

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

cashless claim service
Cashless Claim Service
network hospitals
Nearly 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
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

So Much Coverage Offered by my:Optima Secure Health Insurance

hospitalization expenses covered by hdfc ergo

Hospitalisation (including COVID-19)

We cover all your hospitalisation expenses arising from illnesses and injuries seamlessly. Most importantly, the Optima Secure plan includes treatment costs for Covid-19 as well.

pre & post hospitalisation covered

Pre and Post Hospitalisation

Instead of 30&90 days availed normally, get 60 & 180 days pre and post hospitalisation medical expenses covered.

daycare procedures covered

All 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.

free renewal health check-up

Preventive Health Check-Up at No Cost

Prevention is certainly better than cure and that’s why we offer a free health check-up on renewing your health insurance policy with us.

Road Ambulance

Emergency Air Ambulance

Optima secure plan is tailored to reimburse the cost of air ambulance transport upto ₹5 lacs too.

cashless home health care covered by hdfc ergo

Road Ambulance

Optima Secure plan covers road ambulance cost upto the sum insured.

free renewal health check-up

Daily Hospital Cash

Get daily cash of ₹800 per day up to a maximum of ₹4800 on hospitalisation, as out-of-pocket expenses under Optima Secure Plan.

Road Ambulance

E Opinion for 51 illnesses

Avail e-Opinion for 51 Critical Illnesses through network provider in India under Optima Secure plan.

cashless home health care covered by hdfc ergo

Home Healthcare

We will pay for the medical expenses incurred by you on home hospitalisation, if advised by the Doctor on cashless basis.

organ donor expenses

Organ Donor Expenses

We cover medical expenses for harvesting a major organ from the donor’s body where insured is the recipient.

ayush benefits covered

Alternative Treatments

We cover treatment costs upto the sum insured towards in-patient care for alternative therapies like Ayurveda, Unani, Siddha, Homeopathy, Yoga and Naturopathy.

lifetime renewability

Lifelong Renewability

Optime Secure plan has your back. Our health insurance policy covers your medical expenses for a lifetime on break free renewals.

Please read the policy wordings, brochure and prospectus to know more about my Optima Secure.

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

Breach of Law

We do not cover expenses for treatment directly arising from or consequent upon any insured person committing or attempting to commit a breach of law with criminal intent.

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

Excluded Providers

We do not cover expenses incurred towards treatment in any hospital or by any Medical Practitioner or any other provider specifically excluded by the Insurer. (Contact us for list of de empanelled hospital)

Congenital external diseases, defects or anomalies,

Congenital external diseases, defects or anomalies,

We understand that treatment towards congenital external disease is critical however, we do not cover medical expenses incurred for Congenital external diseases defects or anomalies.
(Congenital diseases refer to birth defects).

treatment of obesity or cosmetic surgery not covered

Treatment for Alcoholism & Drug Abuse

Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof remains uncovered.

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

  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 60*~ 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 Tax with Individual Health Insurance Policy

Tax Benefits on Single Premium Medical Insurance Plans

As per the recent Income tax laws, the health insurance premium paid for a multi-year plan in the lump sum is eligible for a tax deduction under Section 80D. And the tax-deductible amount will be based on the total premium paid for the policy term. This will be subjected to the limits of Rs. 25,000 or Rs. 50,000 as per the case may be.

Higher Tax Benefit on Senior Citizen Health Insurance Plans

The premium that you pay on a health insurance policy purchased for your parents can be claimed for tax deduction up to Rs. 50,000. Moreover, the tax deduction limit for expenses incurred on specific illnesses of elderly people is up to Rs. 1 lac.

Deduction on medical insurance premium paid for parents

Expenses incurred on preventive health check-ups are also eligible for tax benefits. However, most of the taxpayers end up paying it on their own. The tax exemption limit is Rs. 5,000.

Deduction on preventive health check-ups

YIn addition to the hospitalization expenses, tax exemption benefits are also provided on the out-patient department or OPD consultation charges as well as expenses incurred on diagnostic tests. You can avail tax benefits on cash payments also. Unlike other medical expenses that require payments either through debit/credit cards, cheques, or internet banking to avail tax exemption benefits.

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.

Things to look at when buying a Individual Health Insurance plan

Every time you look for health insurance plan for your family, you wonder which is the best health insurance plan for family? 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. You could also buy my:health Suraksha health insurance that offers instalment payment facility on monthly, half yearly, quarterly and annual basis.


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

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.

Explore our health insurance premium rates
Willing to explore our health insurance
premium rates?

Why Buy Individual Health Insurance Online?

buy health insurance policy from anywhere, anytime


You can sit on the couch lazing around and browse through the internet and look for plans. You save your time and effort by visiting an insurance company’s office or an agent visiting your place. You can make secured transactions from anywhere and anytime. Also, the policy wordings are available online for you to read the fine print to avoid any last moment surprises.

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.

Hear from Our Happy Customers

4.4/5 Stars

Our customers have rated us

Praveen Kumar

my:Health Suraksha

28 Oct 2020

I will recommend my friends and family members, yours service is to good and prompt, customer supporting is very good.


my:Health Suraksha

15 Oct 2020

I am totally satisfied with the services. The toll free line and IVR line worked even in Covid19 crisis. HDFC customer care executives communication is extremely helpful.

Shweta R

my:Health Suraksha

12 Oct 2020

I am glad that you have processed our claim as per the request of our mail.Thank you for considering our mail and responding to it. I am so happy for approving our claim.

Pramod MahadevTanawade

my:Health Suraksha

28 Sep 2020

Appreciated services provided by your executives.

Shailendra Kumar Rath

my:Health Suraksha

20 Oct 2020

Excellent service superb Time taken to settle claim exceptionally very low worth mentioning We are delighted at your service

Willing to Buy A medical insurance Plan?
Done Reading? Willing to Buy A Health Plan?

Read Latest Health Insurance Blogs


5 Things to Know About Maternity Insurance in India


Health Insurance for Senior Citizen is a Must to Fight the Coronavirus Pandemic


How To File A Health Insurance Claim ?


Can We Claim Health Insurance from Two Companies?


Medical Conditions Generally Not Covered Under Health Insurance


How to buy the Best Maternity Insurance Plans?


Frequently Asked Questions on Individual Health Insurance

Even if you have an employer health insurance plan for family, you will need a separate health insurance plan. The insurance offered by the employer is valid only till you work in the organisation and generally, group plans provide basic coverage.

Health insurance portability ensures that you do not have to go through a fresh waiting period when you change the insurer. With portability, you can easily change your insurer without losing any benefits.

A pre-existing disease is an injury or illness that you already have while buying the policy. Typically, insurers offer coverage for pre-existing diseases only after the waiting period.

There are many expenses related to hospitalisation. Before you get admitted, you have to consult a doctor and get diagnostic tests done. A similar process is followed after discharge. The expenses preceding and after hospitalisation are known as pre and post-hospitalisation expenses.

Yes, a medical examination is required when you buy family health insurance. However, some policies do not require examination if you are below a certain age limit.

Yes, you can add family members while buying the policy or at the time of renewal.`

You can include your children in family health insurance after 90 days of birth and up to 21 years at the time of renewal.

The younger the applicant, the lower is the premium of health insurance. You also get more benefits when you buy insurance at a young age.

Yes, you can have more than one health insurance policy depending on the needs of your family.

Waiting period is the time span when the policyholder cannot avail some or all the benefits related to a specific illness.

The free look period is the time span within which you can cancel your policy without any penalty. Generally, the free look period ranges from 10 days to 15 days depending on the insurer.

Insurance companies have several hospitals in their network. You can get cashless treatment only in network hospitals. If you opt for a non-network hospital, you will have to clear the hospital bill and then you can claim reimbursement from the insurer.

If the insured person cannot be taken to the hospital due to his/her medical condition or the treatment is taken at home due to non-availability of hospital bed, it is known as domiciliary hospitalisation.

Expenses like pre and post hospitalisation, diagnostic tests, medicine and consultation costs are covered under basic hospitalisation.

The younger you get health insurance, the better. You can get health cover after the age of 18. Below the age of 18, one can get covered under family health insurance.

A minor cannot buy health insurance individually, however, parents can cover a minor under family health insurance.

Awards & Recognition


ICAI Awards 2015-16


SKOCH Order-of-Merit


Best Customer Experience
Award of the Year


ICAI Awards 2014-15


ICAI Awards 2015-16


SKOCH Order-of-Merit