HDFC ERGO General Insurance Company Limited has been established as a joint venture between two leading entities – HDFC Limited and ERGO International AG. While HDFC is the leading housing finance company in India, ERGO International AG is the main insurance company of the Munich Re Group. HDFC ERGO, therefore, is the combination of two leading financial services company and is a leading general insurance provider in India.

HDFC ERGO offers a range of general insurance policies for retail as well as corporate clients. In its health insurance category, the company offers different types of health insurance plans for individuals, families, senior citizens and even women. The plans have good coverage benefits and affordable premium rates. Moreover, HDFC ERGO allows you to calculate the premium rates before you actually buy the plan. Let’s have a look at how –

How to calculate the premium of HDFC ERGO health insurance policies online?

Thanks to the availability of HDFC ERGO health insurance premium calculator, you can calculate the premiums online in some simple steps. Here’s how –

  • Visit www.hdfcergo.com and choose the health insurance policy that you want to buy
  • Under the policy, there is a ‘Buy Now’ tab. Click on the tab to open the HDFC ERGO health insurance premium calculator 
  • Provide the details in the calculator. These details would include the following points –
    • Type of plan that you want to buy (if there is a choice between individual and family floater coverage)
    • The date of birth of the insured members
    • Your name
    • Contact details which include your mobile number and Email ID
    • Your PIN Code, State and City
    • The sum insured level that you want
  • Authorize the company to contact you for helping you assist with the buying process
  • Click on ‘Calculate Premium’ and the amount of premium payable for the chosen amount of sum insured would be displayed
  • You can choose to upgrade the policy by opting for optional riders which would increase the premium cost too

Thus, by using HDFC ERGO health insurance premium calculator, you would be able to calculate your health insurance premium easily.

Factors affecting HDFC ERGO health insurance premiums

The premium of your HDFC ERGO health insurance policy depends on various factors and all the factors are taken into consideration when you buy a policy. These factors and their effect on your health insurance premium is discussed below –

  1. Age 

    Your age determines your health risks. The older you are the higher are the chances of illnesses and ailments and so health insurance premiums depend on your age. Premiums keep increasing with age and the older you are the higher would be the premium payable.

  2. Members to be insured

    If you are opting for a family floater health insurance plan, the number of members being covered would affect the premium. The premium would increase with the addition of each family member. Moreover, the member’s age would also determine the premium payable under the policy.

  3. Sum insured 

    The level of coverage that you choose would also determine the premium amount. The higher the sum insured that you choose the higher would be the premium rate of the policy.

  4. Type of policy that you choose

    The type of health insurance policy that you buy would also determine the premium. The more comprehensive the coverage benefits the higher would be the premium.

  5. Add-ons selected

    There are different types of riders offered by HDFC ERGO health insurance policies. If you choose the riders, the premium would go up. Every rider has an additional premium and for every rider that you choose, you would have to pay an additional premium.

  6. The location

    Premium rates vary across metropolitan and non-metropolitan cities. Since metropolitan cities have a higher rate of medical treatment than non-metropolitan cities. As such, premiums for metropolitan cities are higher than the premium for non-metropolitan cities.

  7. Premium discounts

    HDFC ERGO health insurance plans give premium discounts and if the discount is available, you can avail the discount and reduce the premium of the policy.

Taking all these factors into consideration the premium for HDFC ERGO health insurance policies are calculated.

HDFC ERGO health insurance premium chart

Here are the expected premiums that payable for different types of HDFC ERGO health insurance policies for the given details –

  1. The sum insured is INR 5 lakhs
  2. The policy is bought for a healthy male aged 35 years except in case of women-specific plans wherein a woman is insured
  3. No family member is covered
  4. The policy is bought in a metropolitan city
  5. The policy tenure is 1 year
  6. No add-ons are selected
  7. The premium does not include GST
  8. Name of the plan 

    Type of plan

    Premium rate

    my: health Suraksha Silver Smart

    Indemnity health plan

    INR 7410

    my: health Suraksha Gold Smart

    Indemnity health plan

    INR 9537 (Sum insured INR 10 lakhs)

    my: health Suraksha Platinum Smart

    Indemnity health plan

    INR 13,847 (Sum insured INR 20 lakhs)

    my: health Medisure Super Top-up 

    Super top-up plan

    INR 770 (Deductible INR 5 lakhs)

    Corona Kavach Policy 

    COVID specific indemnity health plan

    INR 619 (Coverage period 9.5 months)

    Women Cancer Plus Plan 

    Cancer-specific fixed benefit health plan for women only

    INR 1110

    Women CI Essential Plan 

    Critical illness health plan for women only

    INR 1705

    Women CI Comprehensive Plan 

    Critical illness health plan for women only

    INR 2395

    Critical Illness Insurance Plan

    Critical illness health insurance plan

    Silver plan – INR 1500

    Platinum plan – INR 2000

Advantages of using HDFC ERGO health insurance premium calculator 

The premium of HDFC ERGO health insurance plans depends on a lot of factors as mentioned earlier. So, the premium differs across different proposals. When you buy health insurance using the HDFC ERGO health insurance premium calculator is beneficial for the following reasons –

  • You can find the expected premium payable under the plan
  • You can judge the affordability of the premium
  • You can compare the premium across different companies 
  • You can change the coverage benefits and arrive at the most suitable premium payable for the plan
  • The calculator is free of cost and you can use it multiple times to find out the premium rate effectively
  • The HDFC ERGO health insurance premium calculator also allows you to buy the desired health insurance policy online in simple steps

So, always use the HDFC ERGO health insurance premium calculator when buying health insurance plans offered by the company to enjoy these benefits.

Why choose HDFC ERGO health insurance plans?

HDFC ERGO is one of the leading health insurance providers in India. You should choose HDFC ERGO health insurance plans because of the following reasons –

  1. There are different types of plans to fulfil the different coverage needs that you might have
  2. You can avail a high level of coverage at affordable premiums through HDFC ERGO’s health insurance plans
  3. HDFC ERGO health insurance plans offer a comprehensive scope of coverage benefits for an all-round coverage 
  4. The company is tied up with more than 10, 000 hospitals to process your claims on a cashless basis
  5. You can register and track your health insurance claims online on the website of the company 
  6. The company has a large customer base of more than 1 crore satisfied customers making it trustworthy

So, invest in HDFC ERGO health insurance plans for complete coverage and use the HDFC ERGO health insurance premium calculator to know your premiums in advance.


FAQ’s

Yes, on renewal of the policy, the premium would change because the age of the insured members has increased. Moreover, if you make any other changes at the time of renewals, the health insurance premium would be affected.


The premium of different health plans offered by different companies is different. So, when you port a different premium would be charged by HDFC ERGO compared to the premium charged by your existing insurance company. This premium can be higher or lower than your existing premium depending on HDFC ERGO’s pricing policies.


Tax benefit on health insurance premiums is available under Section 80D of the Income Tax Act, 1961. You can claim a deduction on a maximum premium of INR 25,000 paid for yourself and your family. If you are aged 60 years and above, the deduction limit increases to INR 50, 000. If you buy a separate health plan for your dependent parents, you can claim an additional deduction of INR 25, 000 which would increase to INR 50, 000 if your parents are 60 years or above.


A long term health plan is one which allows coverage for a continuous period of 2 or 3 years. HDFC ERGO offers such long term health plans wherein you should pay the two or three-year premium at once.


You can claim a premium discount for buying a long term health plan, for buying online and for covering two or more family members under individual sum insured plans. Moreover, there are wellness related discounts too which are offered on renewals.