HDFC Ergo Health Insurance Company Limited, previously called Apollo Munich Health Insurance Company Limited, is a reputed name in the general insurance industry. The company is a standalone health insurance provider which offers a range of health insurance, travel insurance and personal accident insurance policies for its customers. Ever since it was formed, the company has won several awards for its performance and product offerings. The latest awards that the company has received include Outlook Money: Gold Award- Health Insurance provider of the year 2018 and Insurance Claims Excellence of the Year in the year 2019 given by ASSOCHAM among others.

Why choose Apollo Munich or HDFC Ergo Health Insurance plans?

Here are some reasons why health insurance plans of HDFC Ergo are one of the best in their category –

  • The company has a wide network of more than 10,000 hospitals across India
  • Ever since it was formed, the company has settled claims worth over INR 5775 crores till December 2019
  • The company health insurance application HealthJinn gives you easy access to your policies online on your Smartphones
  • You can also register and track your health insurance claims through the HealthJinn application
  • The company approves 90% of its cashless claims within 60 minutes of registration

Key features of HDFC Ergo health insurance plans

Here are some key benefits of the plans offered by HDFC Ergo Health Insurance Company Limited –

  • You can find a range of health insurance plans offered by the company both indemnity-oriented as well as fixed benefit plans.
  • The health insurance plans can be taken on an individual or on a family floater basis
  • The claim related documents can be uploaded on the HealthJinn mobile application for quick and easy approvals of cashless claims
  • You can also find disease-specific health insurance plans offered by the company 
  • The health plans offered by the company allow high levels of sum insured for optimal coverage.

Health insurance plans offered by HDFC Ergo Health Insurance Company 

Here is the list of all the health insurance plans which HDFC Ergo offers –

  1. Optima Restore
  2. Easy Health Standard
  3. Health Wallet
  4. Easy Health Exclusive 
  5. Easy Health Premium
  6. New iCan Cancer Insurance 
  7. Dengue Care Plan 
  8. Optima Cash
  9. Maxima
  10. Optima Super
  11. Optima Vital 
  12. Energy
  13. Optima Senior

Now let’s have a look at the benefits and eligibility criteria of each plan in brief –

1. Optima Restore Plan

Optima Restore is one of the most popular and comprehensive health insurance plans offered by the company. The salient features of the plan are as follows –

  1. 100% of the base sum insured is reinstated in any policy year if the existing coverage gets used up in meeting earlier claims
  2. The sum insured is increased by 50% if no claims are made in a policy year
  3. You can opt for a critical advantage rider which covers specific critical illnesses and pays a lump sum benefit if you are diagnosed with any of the covered illnesses 
  4. Eligibility conditions of Optima Restore Plan

    Entry age 

    91 days to 65 years

    Sum insured

    INR 3 lakhs to INR 50 lakhs

    Term of the plan

    1 or 2 years

    Premium amount

    Depends on age and sum insured

    Pre-existing waiting period 

    3 years

2. Easy Health Standard Plan

This is an affordable health insurance plan which provides the basic coverage benefits at affordable premium rates. The features of the plan are as follows –

  1. The Stay Active benefit of the plan rewards you with premium discounts if you take the specified number of steps in a year
  2. Daily cash benefit is allowed if you choose a shared accommodation 
  3. Critical illness rider can be availed for a maximum coverage of INR 1 lakh
  4. Eligibility conditions of Easy Health Standard Plan

    Entry age 

    91 days to 65 years

    Sum insured

    INR 2 lakhs to INR 15 lakhs

    Term of the plan

    1 or 2 years

    Premium amount

    Depends on age and sum insured

    Pre-existing waiting period 

    3 years

3. Health Wallet Plan

A unique health insurance plan, Health Wallet allows you a Reserve Benefit which keeps on accumulating if not used. This accumulated reserve benefit can then be used for paying premiums, meeting OPD costs and other medical expenses which are not covered by your health plan. Other features of the plan are as follows –

  1. The Reserve Benefit also earns a 6% bonus when you renew the policy
  2. The plan has the benefit of restoring the sum insured if it is exhausted in any year on a previous claim
  3. A no claim bonus of 50% is allowed if no claims are made under the policy
  4. Eligibility conditions of Health Wallet Plan

    Entry age 

    91 days to 65 years

    Sum insured

    INR 3 lakhs to INR 50 lakhs

    Term of the plan

    1 year

    Premium amount

    Depends on age and sum insured

    Pre-existing waiting period 

    3 years

4. Easy Health Exclusive Plan

This is the second variant of the Easy Health plan series offered by HDFC Ergo Health. The salient features of the policy are as follows –

  1. New born baby coverage can be taken under the policy at an additional premium
  2. Free health check-ups are available once every three policy years
  3. The plan offers two rider options of critical illness rider and critical advantage rider
  4. Eligibility conditions of Easy Health Exclusive Plan

    Entry age 

    91 days to 65 years

    Sum insured

    INR 3 lakhs to INR 50 lakhs

    Term of the plan

    1 or 2 years

    Premium amount

    Depends on age and sum insured

    Pre-existing waiting period 

    3 years

5. Easy Health Premium Plan

The third and the last variant of the Easy Health Series, Premium is the most inclusive variant which allows a lot of coverage benefits and a high sum insured. The salient features of the plan are as follows –

  1. Air ambulance cover is allowed if you choose a sum insured of INR 15 lakhs and above
  2. Maternity coverage is also allowed under the plan 
  3. You can avail coverage for OPD expenses for up to a specified limit
  4. Free medical e-opinion is allowed in case of critical illnesses 
  5. Eligibility conditions of Easy Health Premium Plan

    Entry age 

    91 days to 65 years

    Sum insured

    INR 4 lakhs to INR 50 lakhs

    Term of the plan

    1 or 2 years

    Premium amount

    Depends on age and sum insured

    Pre-existing waiting period 

    3 years

6. New iCan Cancer Insurance Plan

This is a health insurance plan which is specifically designed for covering cancer. The plan covers your hospitalisation and treatment costs in case you suffer from cancer. Other salient features of the policy are as follows –

  1. There are two plan variants of Essential and Enhance 
  2. You can choose an Advanced Plan variant which covers advanced medical treatments taken for cancer
  3. Criticare Benefit is available under the Enhance variant. It pays 60% of the sum insured additionally if you are diagnosed with cancer of a specified severity
  4. Family Care benefit is also available under the Enhance variant which pays 100% of the sum insured in lump sum if you suffer from Stage IV cancer or recurrence of cancer
  5. Eligibility conditions of New iCan Cancer Insurance Plan

    Entry age 

    5 years to 65 years

    Sum insured

    INR 5 lakhs to INR 50 lakhs

    Term of the plan

    1 year

    Premium amount

    Depends on age and sum insured

7. Dengue Care Plan 

This is a unique health plan which covers medical expenses incurred due to dengue. The features of the plan are as follows –

  1. A flat rate of premium is charged irrespective of your age
  2. No medical check-ups are required to buy the policy
  3. The plan covers both inpatient as well as OPD expenses incurred in case of dengue
  4. The waiting period for covering dengue is only 15 days from the policy start date 
  5. Eligibility conditions of Dengue Care Plan 

    Entry age 

    91 days to 65 years

    Sum insured

    INR 50,000 and INR 1 lakh

    Term of the plan

    1 year

    Premium amount

    Sum insured INR 50,000 – INR 444

    Sum insured INR 1 lakh – INR 578

8. Optima Cash Plan

This is a fixed benefit hospital cash policy which pays a fixed amount of daily benefit if you are hospitalised for 24 hours or more. The salient features of the plan are as follows –

  1. 10 day care procedures are also covered under the plan and 50% of the daily cash benefit is paid in such treatments
  2. If you are hospitalised for 7 days or more, a lump sum convalescence benefit is also paid
  3. There are three cash benefit options to choose from 
  4. Eligibility conditions of Optima Cash Plan

    Entry age 

    91 days to 65 years

    Sum insured

    INR 1000, INR 2000 or INR 3000

    Term of the plan

    1 or 2 years

    Premium amount

    Depends on age and sum insured

    Pre-existing waiting period 

    4 years

9. Maxima Health Insurance Plan

This is a unique health insurance plan which allows coverage for both inpatient and outpatient expenses under the same policy. There are two different sum insured levels for inpatient and outpatient claims. The salient features of the policy are as follows –

  1. Optional critical illness cover is available under the plan which covers eight specific critical illnesses
  2. Maternity expenses are also covered under the policy after a waiting period of 4 years
  3. The plan covers a range of outpatient expenses like doctor’s consultations, dental treatments, cost of spectacles or hearing aids, medicines, etc.
  4. Eligibility conditions of Maxima Health Insurance Plan

    Entry age 

    91 days to 65 years

    Sum insured

    Inpatient cover – INR 3 lakhs

    Outpatient cover – INR 5000 to INR 7000

    Term of the plan

    1 year

    Premium amount

    Depends on age and sum insured

    Pre-existing waiting period 

    3 years

10. Optima Super Health Insurance Plan

This is a super top-up health insurance plan which helps in supplementing an existing health insurance cover at a cheaper premium rate. The policy works on the principle of aggregate deductibles. This means that if the total claims in a policy year exceed the chosen deductible, the claim would be paid. The features of the policy are as follows –

  1. The policy allows you to change the plan from a deductible plan to a nil deductible plan wherein you can enjoy coverage without any deductible
  2. Day care treatments and organ donor expenses are covered under the policy
  3. Value-added services are also allowed with the plan which include Healthline and Health Risk Assessment
  4. Eligibility conditions of Optima Super Health Insurance Plan

    Entry age 

    91 days to 65 years

    Sum insured

    INR 5 lakhs INR 7 lakhs and INR 10 lakhs

    Deductible limits

    INR 1 lakh to INR 10 lakhs

    Term of the plan

    1 or 2 years

    Premium amount

    Depends on age and sum insured

    Pre-existing waiting period 

    4 years

11. Optima Vital Health Insurance Plan

This is a fixed benefit critical illness policy offered by HDFC Ergo Health. The policy covers specified illnesses and if you are diagnosed with any of the covered illnesses, the sum insured is paid in lump sum. The features of the policy are as follows –

  1. 37 critical illnesses are covered under the policy
  2. You also get free medical e-opinion in case you are diagnosed with any covered illness
  3. Eligibility conditions of Optima Vital Health Insurance Plan

    Entry age 

    18 years to 65 years

    Sum insured

    INR 1 lakh to INR 50 lakhs

    Term of the plan

    1 or 2 years

    Premium amount

    Depends on age and sum insured

    Pre-existing waiting period 

    4 years

12. Energy Health Insurance Plan

This is a health insurance policy for individuals who are suffering from diabetes. The salient features of the plan are as follows – 

  1. Individuals suffering from both Type I and II diabetes can be covered under the policy
  2. Coverage for diabetes and hypertension commences from the first day of the policy without any waiting period
  3. Wellness programs are also allowed under the plan wherein you can avail free medical check-ups. Moreover, if you are found to be healthy in such check-ups, you can avail premium discounts on renewal.
  4. Eligibility conditions of Energy Health Insurance Plan

    Entry age 

    18 years to 65 years

    Sum insured

    INR 2 lakhs to INR 50 lakhs

    Term of the plan

    1 year

    Premium amount

    Depends on age and sum insured

    Pre-existing waiting period 

    2 years

13. Optima Senior Health Insurance Plan

As the name suggests, this health insurance plan is designed for senior citizens who are aged 61 years and above. The salient features of the plan are as follows –

  1. Free medical second opinion is available if you suffer from any critical illness during the policy tenure
  2. There is no restriction on the maximum entry age
  3. You can avail premium discounts if no claim is made in a policy year
  4. Eligibility conditions of Optima Senior Health Insurance Plan

    Entry age 

    61 years and above

    Sum insured

    INR 2 lakhs INR 3 lakhs and INR 5 lakhs

    Term of the plan

    1 year

    Premium amount

    Depends on age and sum insured

    Pre-existing waiting period 

    3 years

Personal accident insurance plans

Besides health insurance plans, HDFC Ergo Health also offers a personal accident policy which protects you against the financial loss suffered in case of accidental death and disablement. The personal accident policy offered by the company is called Individual Personal Accident Insurance and the salient features of the plan are as follows –

  1. There are three plan variants with different coverage benefits
  2. Sum insured of up to INR 10 crores is available
  3. Besides covering accidental death and disability, the plan offers a lot of value-added coverage benefits for complete financial assistance in case of any accidental contingency
  4. Eligibility conditions of Individual Personal Accident Insurance Plan 

    Entry age 

    91 days to 69 years

    Sum insured

    Up to INR 10 crores

    Term of the plan

    1, 2 or 3 years

    Premium amount

    Depends on age and sum insured

Travel insurance plans

Travel insurance plans are overseas health insurance plans which allow health insurance coverage in international hospitals if you suffer any medical contingency when travelling. Moreover, travel insurance plans also cover non-medical contingencies suffered when on a trip like loss of baggage, trip delay or cancellation, loss of passport, accidental death or disablement, third party liability, etc. HDFC Ergo Health offers the following types of travel insurance plans for its customers –

  1. Easy Travel – Individual
  2. Easy Travel – Family 
  3. Easy Travel – Senior Citizen
  4. Easy Travel – Annual Multi Trip Plan 
  5. Educe – Student Travel Insurance 

How to buy HDFC Ergo health insurance plans

To buy health, travel or personal accident insurance policies offered by HDFC Ergo Health Insurance Company, there are various modes which are listed below –

  1. Offline 

    You can buy HDFC Ergo health insurance plans offline through an agent or broker of the company or by visiting any of the nearest branches of the company. HDFC Ergo has a wide network of agents and brokers who would help you buy the suitable coverage for yourself. Moreover, the company’s branches are also spread across India and you can visit any branch and buy the policy from the company.

  2. Online 

    HDFC Ergo also sells its health, travel and personal accident insurance plans online. You can visit the website of the company which is https://www.apollomunichinsurance.com/ , select the plan that you need to buy, provide your details, pay the premium online and the policy would be bought.

    Another way to buy HDFC Ergo health insurance plans online is through Turtlemint. Turtlemint is an online platform which is tied-up with various leading insurance companies including HDFC Ergo Health Insurance. On Turtlemint’s platform you can compare and choose the best health insurance plan for your needs. To buy HDFC Ergo’s health insurance policy through Turtlemint, here are the steps –

    • Visit https://www.turtlemint.com/health-insurance/ and choose whether you need to buy a new plan or top-up an existing one
    • Enter in your details like your gender, details of insured members, age, details of any pre-existing illness, income level, etc.
    • You can also provide your contact information to save the quotes and to get personalised assistance from Turtlemint’s team in buying a suitable health plan
    • Once all the details are provided, you would be able to find a list of health insurance plans based on the details entered. The benefits of the plans and their respective premium rates would also be displayed
    • You can compare and choose the most suitable policy
    • Once selected, you can buy the policy online through Turtlemint by paying the premium through digital modes
    • Once the premium is paid, your policy would be issued.

How to renew HDFC Ergo’s health insurance plans?

If you have an existing policy from HDFC Ergo and you want to renew it, you can do so offline or online. Offline renewals can be done through the company’s agents, brokers or by visiting the branch office. For online renewals, you can visit the company’s website and choose ‘Renew Plan’. You would then have to enter in your policy number and your existing policy details would be shown. You can make changes if you want and then pay the renewal premium to renew the policy online in an instant.

Turtlemint also allows you online renewal facility if you have bought the policy online from Turtlemint’s website. If you are an existing Turtlemint customer, you can log into your account, choose the policy you want to renew and pay the renewal premium. The policy would be renewed instantly.

How to make claims under HDFC Ergo’s health insurance plans

When you suffer a medical contingency which is covered under your HDFC Ergo health insurance policy, you can make a claim on your plan. There are two types of claims and the claim process is different for both. Here are the types of health insurance claims that you might face and their respective processes –

1. Cashless claims

Cashless claims occur when you are admitted to a hospital which is tied-up with HDFC Ergo. In such cases, you don’t have to bear the medical costs and the costs are handled directly by the company itself. For making a cashless claim on your health insurance policy, the process is as follows –

  • Inform HDFC Ergo immediately of your claim.
  • If you are undergoing a planned hospitalisation, you are required to inform the company at least 48 hours before hospitalisation. In case of an emergency hospitalisation, information should be given within 24 hours of such hospitalisation 
  • A pre-authorization form should be filled in by your doctor. This form should then be submitted to HDFC Ergo along with other supporting medical documents for claim approval
  • Based on the form and documents submitted, HDFC Ergo would approve your cashless claims
  • Once the claim is approved you would be able to avail cashless treatments and the insurance company would settle your bills directly with the hospital.

2. Reimbursement claims

Reimbursement claims occur when you are admitted in a hospital which is not tied-up with HDFC Ergo. In that case, you have to pay the medical costs which incur and then get the costs reimbursed from the company once you are discharged. The process for reimbursement claim is as follows –

  • Inform the insurance company of your claim
  • Get the medical treatments needed and pay the medical bills yourself
  • Once you are discharged, collect all the medical bills and records and submit them to HDFC Ergo along with a claim form
  • The company would assess and verify the documents and reimburse you for the medical costs incurred.

You can also raise a health insurance claim through Turtlemint. Turtlemint helps policyholders get an easy and successful settlement of their claims. You would just have to inform Turtlemint of your claim by calling their helpline number 1800 266 0101 or by sending an email to claims@turtlemint.com. Once informed, Turtlemint would take the necessary steps so that your health insurance claims get settled at the earliest. 

Documents required for health insurance claims

To get a successful settlement of your health insurance claims, both cashless and reimbursement, the following documents need to be submitted to HDFC Ergo –

  • Policy document 
  • Claim form
  • Identity proof of the insured 
  • Medical reports
  • Hospital records
  • Medical bills and receipts
  • Discharge Summary from the hospital 
  • Doctor’s certificate 
  • Any other document as needed by HDFC Ergo

Inclusions in HDFC Ergo health insurance plans

Health insurance plans offered by HDFC Ergo offer a complete scope of coverage benefits so that most of your medical expenses get covered under the policy. The actual coverage benefits depend on the plan selected but the common coverage features which can be found under most health plans include the following –

  • Expenses incurred when admitted to a hospital – inpatient hospitalisation
  • Expenses incurred before and after hospitalisation – pre and post hospitalisation expenses
  • Daycare treatments
  • Domiciliary treatments
  • Ambulance costs
  • Organ donor treatments
  • AYUSH coverage for non-allopathic treatments
  • Free health check-ups
  • Daily hospital benefit for choosing shared accommodation
  • Maternity expenses
  • Restoration of the sum insured

Exclusions

Exclusions are those medical costs, treatments and illnesses which are not covered under the health insurance policy. Some of the common exclusions in all HDFC Ergo health insurance plans are as follows –

  • Pre-existing illnesses are covered after a waiting period specified under respective plans
  • Illnesses occurring within the first 30 days of buying the policy are excluded
  • Some illnesses and treatments have a waiting period of 1 or 2 years after which they are covered. Some examples include hernia, tonsillectomy, joint replacement surgeries, etc.
  • Dental treatments are not covered unless specifically mentioned
  • Illnesses due to war, nuclear contamination and related perils are not covered
  • HIV/AIDS infections, sexually transmitted diseases and venereal diseases are not covered
  • Mental illnesses and congenital disabilities are not covered
  • Self-attempted suicide and deliberate self-harm is not covered 

Mode of premium payment for HDFC Ergo health insurance plans

Premiums of HDFC Ergo health insurance policies can be paid in the following modes –

  • Cash 
  • Cheque
  • Debit cards
  • Credit cards
  • Net banking 
  • Mobile wallets
  • UPI
  • NEFT/RTGS

Review of HDFC Ergo Health Insurance Company 

HDFC Ergo Health Insurance Company (formerly Apollo Munich Health Insurance Company) offers a large variety of health insurance policies. You can also find disease-specific plans which help cover cancer, diabetes and even dengue. Moreover, the company’s vast network of hospitals and ease of claim settlement makes it an ideal choice for your health insurance needs.

Company address and contact details

The maid head office of the company is located at 1st Floor, SCF-19, Sector-14, Gurgaon, Haryana 122001. Then there are branch offices at all the main cities and towns of India. You can locate the office nearest to your location using the link https://www.apollomunichinsurance.com/health-insurance-offices.aspx

To contact the company, the numbers are as follows –

  • To buy a policy – 1800 103 0555
  • For services – 1800 102 0333

FAQ’s

The list of network hospitals of HDFC Ergo Health is available on the company’s website. You can visit https://www.apollomunichinsurance.com/our-hospital-network.aspx and enter in your State and City and the list of networked hospitals would be displayed.


Yes, HDFC Ergo allows you a grace period after the premium due date to renew your health insurance policy. Coverage during the grace period is not available. However, if you renew the policy within the grace period, you can avail the renewal benefits of no claim bonus and reduction of the pre-existing waiting period.


Yes, porting is allowed under all health insurance policies. To port your existing policy, you should first select the HDFC Ergo health insurance plan which you need. Thereafter, a porting request should be submitted to the company at least 45 days before the renewal date of your existing plan. Once the porting request is submitted, HDFC Ergo would allow you to port your policy easily to one of its plans.


Free health check-ups are allowed under most of HDFC Ergo’s health insurance plans. You can avail the check-ups once every 1 to 4 policy years depending on the terms of the plan that you buy.