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HDFC ERGO Health Insurance (Formerly Apollo Munich Health Insurance)

Updated on July 14, 2024 , 30724 views

When spoken about quality healthcare providers in the health insurance segment, HDFC ERGO never goes missing from the list. HDFC ERGO Health insurance (earlier known as Apollo Munich Health Insurance) commits to giving world-class healthcare to every individual. It offers various individual health plans, family health insurance, and corporate plans.

HDFC ERGO is a 51:49 joint venture between HDFC Ltd and ERGO, which is the primary insurance entity of the Munich Re Group of Germany.

HDFC ERGO Health Insurance

HDFC ERGO Health Insurance Key Highlights
Claim Settlement Ratio 86.52%
Network Hospitals 10,000+
Policies Sold 10,66,395
In-House Claim Settlement Available
Renewability Lifelong Renewability
Pre-existing Diseases Covered after 4 years of waiting period
Customer Care (Toll-Free) 1800-2700-700

You can enjoy a variety of services like cashless treatment and hospitalization at 10,000+hospitals, pre and post hospitalization, daycare treatments, No room rent restriction, AYUSH cover, In-patient hospitalization, etc.

HDFC ERGO health plans provide you with many kinds of comprehensive indemnity plans, mediclaim plans, top-up plans, fixed benefit plans, critical illness plans, and many more.

Types of HDFC ERGO Health Plans

My Optima Secure

The Optima secure health plan is available for individual, family and senior citizen. It offers a wide Range of choices in product benefits, discounts, coverage and tenure choices, etc.

The coverage offered by my:Optima Secure plan are - hospitalisation (Including COVID-19), pre & post hospitalisation, all day care treatments, free renewal health check-up, road ambulance, emergency air ambulance, daily hospital cash, e-opinion for 51 critical illnesses, organ donor expenses, Ayush benefits, alternative treatments, etc.

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Optima Restore Family Plan

With a comprehensive network of hospitals and super fast processing, HDFC ERGO Optima Secure ensures that you get the best treatment within minutes. It is a comprehensive family floater plan that offers complete cashless treatments at networked hospitals along with a host of other attractive features for your one-stop health solution.

The coverage offered under the Optima Restore plan is- hospitalization expenses, pre and post hospitalisation, day-care procedures, emergency road ambulance, organ donor expenses, tax savings, modern treatment methods, no sub-limit on room rent, lifetime renewals, etc.

my:health Medisure Super Top-up

With my:health Medisure Super Top-up, ensure the best of medical treatment for your parents, in-laws, niece, nephew, spouse and kids. The coverage offered under this plan are - in patient hospitalisation, pre and post hospitalisation, day care procedures, etc.

my:health Suraksha

The my:health Suraksha is a comprehensive health plan designed to safeguard the policyholder against rising medical expenses. It offers coverage to individual, families and senior citizens. Some of the coverage offered under this plan are - sum insured rebound, day care procedures, pre and post hospitalisation cover, mental healthcare, home healthcare, etc.

Critical Illness Insurance

Critical illness insurance by HDFC ERGO provides coverage against life-threatening health conditions such as cancer, heart attack, kidney failure, etc. The plan comes with lower premiums and bigger coverage, such as - free look period, lifetime renewability, tax savings, no medical check-up, quality medical treatment, etc.

Corona Kavach Policy

Corona Kavach covers medical expenses arising due to Coronavirus infection. This policy aims at covering hospitalisation, pre-post hospitalisation, home care treatment expenses and AYUSH Treatment in case anyone is tested positive of Covid-19 infection.

The plans also provide road ambulance cover and cashless treatments at 10,000+ network hospitals.

HDFC ERGO Arogya Sanjeevani

The plan secures your medical expenses with a pocket-friendly plan to offer financial support during medical emergencies. It aims at Offering a host of coverage to protect you from financial contingencies caused due to hospital bills. With HDFC ERGO's vast network of cashless hospitals and 24x7 customer support will support you during difficult times.

You can get coverage for the entire family in one plan. Some of the covers offered are - AYUSH treatment (non-allopathic), cataract cover, day care procedures, hospitalisation expenses, pre and post hospitalisation expenses, dental treatment & plastic surgery, road ambulance covers and other diseases with the 50% sum insured coverage.

ICan Cancer Insurance

ICan Cancer Insurance plan not only offers a wide coverage, but also a lump sum benefits to support you in defeating cancer. Some of the benefits offered are - life-long renewals, cancers cover for all stages, cashless cancer treatments, lump-sum payout, tax savings, follow-up care etc.

Why Buy HDFC ERGO Health Insurance Online?


With digital trends taking over the world, buying a health plan from anywhere across the world helps you in saving time and effort, which couldn't have been possible otherwise.

Secured Payment Modes

Likewise, payment has become super easy. You can use your credit/Debit Card or net banking services to make payments online through multiple secured payment modes

Instant Quotes & Policy Issuance

You can easily and instantly customize plans, check coverage, calculate the premium, add or remove members online at your fingertips.

Instant PDF Downloads

You can quickly download your policy PDF copy which comes right into your mailbox as soon as you pay the premium online.

HDFC ERGO Health Insurance Customer Care

Whatsapp Service - 8169 500 500

(Simply text Hi on whatsapp number)

(For Claim, Renewal, Queries Related to Existing Policy)

To Buy - 022 6242 6242

All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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