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.
Top plan
4.7
★★★★★
Approved by number of claims.
Claims paid vs premium collected.
How quickly claims are paid.
On overall claims — lower is better.
Plans from HDFC Ergo
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
We track 6 HDFC Ergo health insurance plans, each reviewed on coverage and the insurer's claims record.
HDFC Ergo reports a claim settlement ratio of 95.19% by number of claims, with a rejection ratio of 2.47%.
Optima Restore is the highest-scoring HDFC Ergo plan in our data at 4.7/5, based on coverage breadth and claims record.
HDFC Ergo reports 15,000+ cashless network hospitals where bills can be settled directly.