HDFC ERGO Health Insurance Company is known today as one of the most reliable health insurance providers in India but its journey began much earlier. The company was formed when HDFC a leading financial services group in India joined hands with ERGO International a respected insurance entity from Germany. This partnership combined the deep understanding of the Indian market with global insurance expertise which helped the company expand rapidly across the country. Over the years HDFC ERGO has introduced modern health insurance solutions improved digital services and built strong customer support systems. With a focus on protection transparency and innovation the company continues to offer a wide range of health insurance plans that cater to families individuals senior citizens and people with specific medical needs. This steady growth has made HDFC ERGO a trusted name in the Indian health insurance industry.

Popular Health Insurance Plans of HDFC Ergo Health Insurance

One of the most preferred options gives extensive medical coverage along with cashless treatment across a vast network of hospitals. Another popular choice is designed for long term security and includes benefits like automatic restoration of the insured amount and complete freedom in selecting room type. Families also rely on a plan that offers strong support during serious illnesses by providing a fixed lump sum payout. For senior citizens the company presents a specialised option that makes medical care smoother and less stressful. All these carefully crafted solutions make the brand a dependable partner for various healthcare needs. Here are some popular plans of HDFC ERGO Health Insurance that many customers trust for reliable medical coverage.

1.Optima secure - HDFC ERGO Optima Secure Health Insurance is one of the best family floater and individual health plans in India, offering up to 4X sum insured for complete financial protection. The plan covers hospitalization, pre- and post-hospitalization expenses, daycare procedures, AYUSH treatments, organ donor costs, and preventive health check-ups with no room rent limits. With a wide coverage range from ₹5 lakhs to ₹2 crores, Optima Secure is ideal for both urban families and individuals. Backed by a strong 98% claim settlement ratio and a vast network of 13,000+ cashless hospitals, it ensures a seamless claim experience. Added benefits like restore cover, wellness perks, and high flexibility make Optima Secure one of the most trusted health insurance plans in India.
2. Optima Restore - Optima Restore is crafted to secure your loved ones through the unique Restore Benefit. If you ever exhaust your sum insured, it automatically restores it back to the original amount at no extra charge. It offers coverage from ₹5 lakhs up to ₹50 lakhs, covering hospitalization, AYUSH treatments, organ donor expenses, and domiciliary care. The plan also provides preventive health check-ups and has no restrictions on room rent. With coverage of 60 days pre-hospitalization and 180 days post-hospitalization, it gives you complete medical protection before and after treatment.
3. Optima Lite - HDFC ERGO Optima Lite Health Insurance Plan is a cost-effective medical insurance policy crafted for individuals and families in Tier 2 and Tier 3 cities of India. With coverage options of ₹5 lakhs and ₹7.5 lakhs, it provides essential protection against rising medical expenses at affordable premiums. The plan comes with unlimited sum insured restoration, cumulative bonus, and no sub-limits on specific diseases, making it one of the most trusted affordable health insurance plans in India. Backed by HDFC ERGO’s 98% claim settlement ratio and a strong network of 13,000+ cashless hospitals, Optima Lite ensures quick, seamless, and reliable healthcare access. If you are looking for a low premium health insurance policy with comprehensive benefits, Optima Lite is a smart choice.
4. Health Koti Suraksha - This plan caters to those in need of substantial coverage, starting from ₹50 lakhs up to ₹1 crore. It combines regular hospitalization coverage with personal accident insurance, making it a two-in-one plan. It covers medical bills, organ donor costs, home healthcare, and day-care procedures while also protecting against accidental death, disability, or broken bones. You can even choose add-ons like waiver of room rent capping or medical evacuation. For families wanting maximum security against both illness and accidents, this plan is a strong choice.
5. Health Medisure Super Top-up - This plan works as an add-on to your base health insurance, helping you deal with large medical bills without paying huge premiums. It comes into play once you’ve paid a chosen deductible, after which the insurer takes care of the rest. Coverage ranges between ₹3 lakhs and ₹20 lakhs, with deductibles starting at just ₹2 lakhs. It includes benefits like pre- and post-hospitalization, day-care procedures, and AYUSH treatments without restrictive sub-limits. With lifelong renewability and both individual and family options, it’s a budget-friendly way to enhance your coverage.
6. Health Wallet - Health Wallet goes beyond normal hospitalization coverage by including everyday healthcare expenses. Its Reserve Benefit covers OPD costs like doctor consultations, diagnostic tests, and vaccinations something most plans don’t offer. Any unused amount is carried forward with a 6% bonus added annually, giving you growing reserves year after year. It also includes a Restore Benefit that reinstates your sum insured if it gets exhausted during the policy period. With both individual and family floater options, it’s perfect for those who want flexible, all-round coverage.

Claim Process of HDFC Ergo Health Insurance

Cashless Claims - If you get treated at a network hospital, you can enjoy a cashless experience. Simply inform the insurance desk, provide your ID and policy details, and request pre-authorization. Once approved, the insurer directly pays the hospital bills. At discharge, the insurer finalizes the settlement, and you can walk out without paying large sums upfront. Even if a cashless claim is denied, you can still go for treatment and later apply for reimbursement.
Reimbursement Claims - Hospitalization in non-network hospitals is eligible for reimbursement claims. Inform the insurer within the required timeline 2 days before for planned admissions or 24 hours in emergencies. Submit the claim form along with original bills, discharge summary, and reports. File the claim within 30 days of discharge, and the insurer will settle the amount as per policy terms. This ensures you are protected regardless of where you receive treatment.