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HDFC General Insurance

HDFC Ergo General Insurance Company

HDFC ERGO General Insurance Company Ltd. is a joint venture between HDFC Ltd., India’s premier Housing Finance Institution and ERGO International AG, the primary insurance entity of Munich Re Group. The Company offers complete range of general insurance products ranging from Motor, Health, Travel, Home and Personal Accident in the retail space and customized products like Property, Marine and Liability Insurance in the corporate space.

Product Portfolio

Best Health Insurance Plans

In today’s fast paced world there are so many factors that affect your health. The best thing to do is to insure your health for utmost well-being. So that, when age, sedentary lifestyle, environmental changes, accidents, addictions etc threaten your health and pile you with medical bills, you can breathe a sigh of relief. Also, it might be a smart to buy your health insurance at a younger age. This gets you lower premiums and bigger coverage. Secure your health today!

  • Best Selling Base Plan

    Are you looking for an all-round health cover? If yes, choose Health Suraksha Insurance. It offers benefits like no room rent limits, no entry age restrictions, lifelong renewability and more.

  • Affordable Top-up plan

    Boost up your existing health plan with a super top-up policy that offers higher coverage at a lower premium. This plan is designed to keep the stress of medical bills at bay and beat the medical inflation.

  • Affordable Base Plan

    Looking for a health plan that takes care of all your medical needs at an affordable premium? Then, my:health Medisure Classic is the plan for you. Offering coverage for Ayurveda treatments, no entry age restrictions, and critical illness coverage.

Our life revolves around our family. Securing their medical need should always be your top priority. Can you imagine something more important than your family? No, right? Then why let their health, happiness and financial stability be at stake? With growing risk of diseases and skyrocketing medical treatment expenses, a sound health insurance policy is the shield around your family. With HDFC ERGO health insurance bind your family in a safety bond.

  • Most Recommended Plan

    Buy this all round insurance plan to secure your family’s health and ensure financial security. This plan offers the best of health care facilities with no limitations on room rent, entry age and illnesses covered. Get the best of maternity cover with this plan as an add-on.

  • Affordable Top-up plan

    The most convenient plan, this is an additional safety cover on your existing plan with the promise of lowest premiums in times of rising medical expenses. Enjoy lifelong renewability of this plan with no rise in premium post 61 years of age. There is no need for medical tests upto 55 years of age. It can also be taken in case you don't have a base plan.

  • Affordable Base plan

    Perfect plan to bind your family in a safety bond. It offers extensive coverage for all kinds of diseases and even pre-existing diseases are covered 3 years after buying the policy. With waiver on room rent as an add-on you can promise yourself and your family the best healthcare. This policy covers Ayurvedic treatment as well. There is no need for medical tests upto 50 years of age.

It’s our duty to look after our parents, especially when they are unwell. Even when you grow up, your parents are always selflessly worrying about you. But its time you show your concern for their wellbeing. Don’t let health issues put a dent on your hard-earned savings. With HDFC ERGO's health insurance plan especially crafted for parents, shield them from health worries unexpected medical expenses.

  • Best Selling Health Plan

    Get wholesome all-encompassing coverage to ensure absolutely hassle free post-retirement phase. Enjoy good healthcare with no room rent limits.

  • Affordable Top-up Plan

    With lifelong renewability, get this plan to enhance your already existing policy. Get fixed premium from the age of 61 and no medical tests.

  • Affordable Base Plan

    With the most affordable plans, get holistic coverage against all types of health issues with an option to waive room rent limits and include pre-existing diseases after 3 years.

You’ve turned 60, an apt age for spending a stress-free life with absolutely no worries. It’s finally time for you to sit back and relax as the most peaceful years of your life unfold. However, this is an alarming age that calls for more caution in terms of health. Does post-retirement always go as planned? As the health risks increase with age, an ailment can turn your planning upside down. With HDFC ERGO health insurance for senior citizens, make the most of this phase without worrying about health one bit.

  • Best Selling Health Plan

    Get wholesome all-encompassing coverage to ensure absolutely hassle free post-retirement phase. Enjoy good healthcare with no room rent limits.

  • Affordable Top-up Plan

    With lifelong renewability, avail this plan to enhance your already existing policy. Enjoy fixed premium from the age of 61 and no medical tests upto the age of 55.

  • Affordable Base Plan

    With the most affordable plans, get holistic coverage against all types of health issues with an option to wave room rent limits and include pre-existing diseases after 3 years.

Health Suraksha from HDFC ERGO has been designed keeping in mind medical inflation. It offers maximum coverage with uninterrupted medical treatment. Rising medical bills can cause a lot of stress but trust us and everything will be taken care of smoothly. Some of the key highlights of the plan: no room rent sub-limits, no limit for age at entry, with an option to add maternity coverage & critical illness cover.

  • No room rent sub-limits

    Worried that you can’t afford that swanky hospital room with your insurance plan? With HDFC Health Suraksha you can bask in healthcare comforts.

  • Wide range of sum insured

    No compromises with your health insurance. Choose the sum insured plan exactly according to your needs and preferences. We have spoilt you for choices.

  • 144 Day Care Procedures

    Our policy is in sync with the technologically advanced healthcare. If the procedure takes less than 24Hrs it falls under day care treatments. Day care procedures are covered.

  • AYUSH benefit

    We support the healing powers of Ayurveda, Unnani, Sidha and Homeopathy treatment. No matter what type of treatment you prefer, we are always there for you in the time of need.

With this health insurance you get to replenish the exhausted sum insured once during the policy period, we call it the Regain Benefit. You also get rewarded for not making any claims during the policy period with 10% ECB - enhanced cumulative bonus on the sum insured. Hence, even if there is no unfortunate health issue your money does not go waste; instead your sum insured gets bigger and better.

  • No room rent sub-limits

    Worried that you can’t afford that swanky hospital room with your insurance plan? With HDFC Health Suraksha you can bask in healthcare comforts.

  • Wide range of Sum Insured

    You do not have to compromise with your health insurance. Choose the sum insured plan exactly according to your needs and preferences.

  • Regain Benefits

    A major claim will not leave you uncovered! Regain benefit with Health Suraksha reinstates the exhausted sum insured to ensure your claims are settled smoothly.

  • Enhanced Cumulative Bonus

    Not making any claims can enhance your sum insured by 10% every claim free renewal leading to a bigger sum insured in times of need.

Child birth is a life changing experience for the mother and she needs utmost care. With HDFC ERGO's Health Suraksha Gold you get complete coverage of pre and post delivery expenses. Get coverage on both normal and caesarean delivery. Not just that, we also cover any medical expenses of the child within 90 days of the child’s birth.

  • No room rent sub-limits

    Worried that you can’t afford that swanky hospital room with your insurance plan? With HDFC Health Suraksha you can bask in healthcare comforts.

  • Wide range of sum insured

    No compromises with your health insurance. Choose the sum insured plan exactly according to your needs and preferences.

  • Day Care Procedures

    We cover treatments that happen in a day. 144 day care procedures are covered seamlessly.

  • Maternity Benefits

    Cherish every moment of this new phase in life with our health insurance cover! We also cover the new born under this plan.

With HDFC ERGO’s Health Insurance you get a wholesome cover with a wide sum insured and maximum coverage. This plan offers maternity cover so that when you are going through the most important phase of life, your medical expenses are taken care of. Not just that, we also offer coverage for your new born. In addition to this, our Regain Benefit acts as a golden boon by giving you the exhausted sum insured when you need it the most, so with us you are always covered enough. To make this plan even more interesting and reward you for the zero claims, we offer ECB – Enhanced Cumulative Bonus, which gives you a 10% bonus on your sum insured on every claim free renewal.

  • No room rent sub-limits

    Worried that you can’t afford that swanky hospital room with your insurance plan? With this plan you can bask in healthcare comforts.

  • Wide range of Sum Insured

    No compromises with your health insurance. Choose the Sum Insured plan exactly according to your needs and preferences.

  • Unlimited Day Care Procedures

    Our policy is in sync with the technologically advanced healthcare. If happened in a day doesn’t mean it wasn't critical. Unlimited day care procedures covered seamlessly.

  • Maternity Benefits

    herish every moment of this new phase in life with our health insurance cover! We also cover the new born under this plan.

This plan is apt for those who are looking for maximum coverage with uninterrupted medical treatment. Choosing my:health Medisure Classic shall offer protective cover, will reduce the financial burden arising due to unpredictable expenses and ensure quality medical attention. Other benefits include maternity coverage, pre-existing disease coverage post 3 years and no restriction on entry age.

  • Save Big on Premiums!

    With my :health Medisure Classic Insurance you can avail a 5 % discount on 2 years policy duration. You can also choose to secure 2 or more family members.

  • Maternity Cover? We cover you!

    Understanding the importance of motherhood and ensure you don't compromise during this special phase of life, we cover both mother and new born upto 90 days. A waiting period of 4 years of consecutive renewals is applicable.

  • No Entry Age Restrictions

    You can be of any age above 90 days my :health Medisure Classic Insurance will cover you with its host of benefits instantly, making it convenient, reliable and simple.

  • Sum insured bounce back!

    If you exhaust the entire sum insured and require cover for accidental hospitalization, we restore your health cover to offer hospitalization due to accident seamlessly.

May your health thrive always but what if there are times when even your existing health insurance is not enough to handle health issues? Don’t let rising medical costs keep you tensed for yourself and your family. With my: health Medisure Super Top-up, ensure the cushion of ample cover to get the best of medical treatment without any restrictions and limitations.

  • Binds the family in 1 Secure Bond
  • Constant premiums from Age 61
  • No health checkups upto Age 55
  • Pay less, Get more

Most suited health plan, said to be the perfect partner during critical times, this plan will take away your financial worries and let you focus on health. Our critical illness insurance ensures there’s no dent on your savings. It is a smart move made well in advance to prevent life threatening diseases such as cancer, stroke, etc from draining your savings. Lower premiums and bigger coverage help you focus on your health without any financial stress.

  • Upto 15 Critical Illness covered
  • Lump Sum payment in a single transaction
  • 2 Plans available
  • Option to buy for 1 & 2 Years

HDFC ERGO’s Health Suraksha Top Up Plus is what you can turn to when you feel you want something more from your medical insurance policy. Our Top Up plan not only supplements your primary health insurance cover at a low cost, but also comes with a host of additional benefits.

Our Health Suraksha Top Up Plus offers benefits to suit your needs with no room rent restriction, no sub limits and the option of lifelong renewability.

  • No room rent sub-limits

    Worried that you can’t afford that swanky hospital room with your insurance plan? With HDFC Health Suraksha you can bask in healthcare comforts.

  • Wide range of Sum Insured

    No compromises with your health insurance. Choose the sum insured plan exactly according to your needs and preferences. We have spoilt you for choices.

Accidents shatter people emotionally, physically, and financially, draining away lifelong savings. Your happiness comes to a pause and you are left with shock and financial burden. HDFC ERGO presents Personal Accident Insurance to help you sail through steadily during these times. The policy offers lump-sum compensation in one single transaction to cover accidental medical expenditures. To secure your family’s day to day life routine in your absence, it’s essential to get Personal Accident insurance.

  • Worldwide Coverage

    Are you worried about your policy being restricted to territorial limits? Fret not, our policies provide worldwide coverage cutting across geographies.

  • Option to cover family

    Are you worrying about covering your growing family? Well, we love the family bonding and have policies to cover your family in one single policy.

  • Lifelong Renewability

    Age limits restricting you from renewing your policy? With us, you can age gracefully, breakthrough age barriers with options to renew policies lifelong.

  • No medical checkups

    Are you tired of getting umpteen medical checkups to get your policy? Well the good news is, you don’t need to have any more medical checkups.