Insurer
HDFC Ergo
Founded 2002
HDFC Ergo General Insurance was founded in 2002 as a joint venture between India's HDFC and Germany's ERGO Group, part of Munich Re — one of the world's largest reinsurers. It is among India's leading private general insurers, widely recognised for its Optima range of health plans.
HDFC Ergo claims snapshot
Incurred Claim Ratio
87.04%
Claims paid vs premium collected.
Claims Settled
95.19%
Approved by number of claims.
Settled < 30 Days
96.63%
How quickly claims are paid.
Complaints
0.15%
On overall claims — lower is better.
Plans from HDFC Ergo
- Read review →
HDFC Ergo
Optima Restore
- Read review →
HDFC Ergo
Optima Secure
- Read review →
HDFC Ergo
Optima Secure+
- Read review →
HDFC Ergo
Optima Secure Global Plus
- Read review →
HDFC Ergo
Optima Super Secure
- Read review →
HDFC Ergo
Energy (Gold)
Comparing HDFC Ergo plans
Once you have a shortlist, put two HDFC Ergo plans side by side to see exactly where one leads, answer a few questions in Find My Plan for a ranked match, or run any policy through the buying checklist. Ratings above weigh coverage breadth against HDFC Ergo's claims record — always confirm the fine print with the insurer before buying.
Frequently asked questions
How many HDFC Ergo health insurance plans are there?
We track 6 HDFC Ergo health insurance plans, each reviewed on coverage and the insurer's claims record.
What is HDFC Ergo's claim settlement ratio?
HDFC Ergo reports a claim settlement ratio of 95.19% by number of claims, with a rejection ratio of 2.47%.
Which HDFC Ergo plan scores highest?
Optima Restore is the highest-scoring HDFC Ergo plan in our data at 4.7/5, based on coverage breadth and claims record.
Does HDFC Ergo offer cashless hospitals?
HDFC Ergo reports 15,000+ cashless network hospitals where bills can be settled directly.