Part of the HDFC Group and ERGO International AG (Munich Re), offering tech-driven health insurance with 13,000+ network hospitals since 2002.
HDFC Ergo General Insurance Company is a joint venture between HDFC Ltd (now merged with HDFC Bank) and ERGO International AG — part of Munich Re Group, one of the world's largest reinsurers. Established in 2002, HDFC Ergo is India's 3rd largest private general insurer with a strong focus on health insurance innovation.
The company leverages HDFC Bank's massive 70-million customer base for distribution while applying Munich Re's global risk expertise to product design. With gross written premium exceeding ₹15,000 crore and claim settlement ratio above 96%, HDFC Ergo is synonymous with reliability in health coverage.
HDFC Ergo's flagship health plan with coverage up to ₹75 Lakh and unique "Multiplier" benefit that increases sum insured by 50% annually for no-claim years (up to 3x). Features unlimited automatic restoration and zero room rent limits.
A customizable health plan where you pick and choose coverage modules — base hospitalization, critical illness, personal accident, daily hospital cash, and OPD. Pay only for what you need, making it highly affordable and flexible.
An upgrade plan designed to complement employer-provided group health insurance. Covers exclusions, enhances sum insured, and bridges gaps in corporate policies without duplicating base coverage.
Features the unique "Restore" benefit — if your sum insured is exhausted during the year, it gets automatically restored to the full amount for subsequent unrelated illnesses. No extra premium for this restoration feature.
Seamless policy purchase through HDFC Bank branches, net banking, and app. Premium payment via EMI option on HDFC Bank credit cards. One-click renewal through banking relationship.
Unique to Optima Secure — sum insured increases by 50% every claim-free year (up to 3x). A ₹10L plan can grow to ₹30L in just 4 years without any premium increase.
ERGO (Munich Re) brings global health insurance expertise in product design, risk assessment, and claims management. International best practices adapted for the Indian healthcare market.
Extensive cashless network including all major hospital chains (Apollo, Fortis, Max, Medanta, Narayana, Manipal) plus thousands of local hospitals across 500+ cities.
InstaHealth app for real-time cashless tracking, document upload, claim status, e-cards, and hospital locator. WhatsApp bot for instant queries and pre-authorization updates.
HDFC Ergo HealthFirst program rewards healthy behavior with points redeemable against renewal premium discounts. Track fitness goals, complete health assessments, earn savings.
Show e-health card at network hospital. Hospital sends pre-auth via HDFC Ergo portal. Planned admission: 48 hours prior; Emergency: within 24 hours of admission.
HDFC Ergo processes pre-auth within 30 minutes. Approved amount communicated to hospital. Enhancement requests handled within 2 hours during treatment.
Receive treatment without paying upfront. Hospital settles directly with HDFC Ergo. Patient pays only non-covered items and co-pay (if any) at discharge.
For non-network hospitals: submit bills within 15 days of discharge via app or courier. HDFC Ergo settles within 7-14 working days post document verification.
The Multiplier increases your base sum insured by 50% for each claim-free year, up to a maximum of 3x the original SI. For example, a ₹10 Lakh plan grows to ₹15L, ₹20L, ₹25L, and finally ₹30L over 4 claim-free years — all without any premium increase.
My Health Suraksha is modular — you choose coverage blocks (hospitalization, critical illness, OPD, daily cash) and pay only for selected modules. Optima Secure is a comprehensive all-inclusive plan. Suraksha is more affordable but requires careful module selection.
Yes, all HDFC Ergo health plans cover pre-existing diseases after a waiting period of 48 months (standard) or 36 months (premium variants). During the waiting period, hospitalizations for those specific conditions are excluded.
Yes, HDFC Ergo policies are available through all HDFC Bank branches, internet banking, and the HDFC Bank app. You can also pay premiums in EMIs on HDFC Bank credit cards at zero additional cost.
Optima Secure accepts ages 18-65 (adult) and 91 days to 25 years (dependent child). My Health Suraksha accepts 18-65. Renewal is guaranteed for life regardless of claims or health changes.