HDFC ERGO General Insurance

Key Features

Claim Settlement Ratio 98.36%

Renewability 100%

Claim Settlement Facility 100%

COVID-19 Cover Yes

Network Hospitals 10,000

Incurred Claim Ratio 79.30%

Benefits of HDFC Ergo health insurance:

HDFC ergo health insurance offers up to 100% additional policy cover as no claim bonus. a 50% increase in the base sum insured would be provided for every claim free year subject to a maximum of 100% of the base sum insured.

There are various discounts that are offered under the HDFC ergo health insurance plans which are mentioned below:-

  • Online discount - 5% discount is offered on the base premium if you buy the health insurance policy from the website of HDFC ergo online.
  • Family discount - 10% family discount is offered if 2 or more members are covered in a single policy on an individual sum insured basis.
  • Long term discount - For 2 & 3 years policy tenure, a discount of 7.5% & 10% is offered respectively.
  • Loyalty discount - HDFC ergo offers 2.5% discount on the base premium if a customer has an active retail health insurance policy with them with a premium above ₹2000.