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HDFC ergo health insurance VS Religare health insurance

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HDFC ergo health insurance VS Religare health insurance

HDFC ergo health insurance and Religare health insurance is one of the most famous and successful health insurance companies in India. In this below article you will understand and aware about HDFC ergo health insurance VS Religare health insurance. All the advantages and disadvantages and popular health insurance of both the companies.

Awareness about HDFC ergo health insurance

HDFC ergo took over the Apollo Munich health insurance. HDFC ergo is having a good reputation in the market. It is one of the most popular and reputative companies in India.


Claim ratio 62%
Renew Life-time
Cashless network hospital 10,000+
Waiting period 3 years
Branch 14

Types of the plan in HDFC ergo health insurance:

Indemnity Health Insurance Scheme: Under this health insurance, you can dispose of the expenses of treatment, etc. of the hospital. This plan is also called a base plan and this insurance plan is very beneficial. My: Health Suraksha Bima Yojana is a benefit plan in HDFC ergo.

Super Top-up Health Insurance: If you want to get personal health insurance with employee health insurance or an additional premium for a lower premium, then top-up health insurance is the best option for you. Our My: Health Medicare Super Top-up will be a good policy for you.

A Lump sum benefit based health insurance: The cost of the hospital etc. in the treatment of critical illnesses is very high and you can earn a lifetime for treating these diseases. In such a situation, with the benefit based health insurance scheme, you can settle the expenses incurred in the treatment of such disease in one go and you will not have to claim for the expenses of the hospital, etc. every time. In case of critical illness, avail benefit based insurance scheme for settlement of medical expenses.

Amazing HDFC ergo Optima restore policy wording advantages:

  • A wider range of sum assured from 3 lacs to 50 lacs.
  • Coverage for hospitalization, pre, and post-hospitalization, days care expenses, and much more.
  • Restore benefit automatically adds 100% sum assured on full or partial use of your sum insured.
  • Preventive health check benefit has been offered despite the renewal of claims status.
  • We encourage you to stay fit and live with active benefits, just walk your path to good health and earn up to 8% off on your renewal premium.
  • No sub-limits on room rent: room with optima restore that you prefer and can be acquired by you without difficulty.
  • The policy term 1 and 2 years option, and is available for both individuals and the family.
  • Cashless treatment at network hospitals.
  • Lifetime renewal, subject to the regular receipt of premium from us.
  • Tax benefit under 80 D of the income tax act.

Advantages and positive points of HDFC ergo health insurance:

  • The claim settlement ratio is very good.
  • No room capping.
  • 10,000+ network hospital cover under HDFC ergo health insurance.
  • Cashless Hospitalization Immediate.
  • Claim Facility.
  • No Restriction on Hospital Rent.
  • Exemption on fitness.
  • Discounted long term policy.
  • Up to ₹ 75,000 Tax saving facilities for immediate policy issuance.
  • 24×7 Customer care facility.

HDFC ergo customer care numbers:

Ahmedabad 079 61606161
Bangalore 080 61606161
Chandigarh 0172 6160616
Chennai 044 61606161
Cochin 0484 6160616
Delhi and NCR 011 61606161
Hyderabad 040 61606161
Indore 0731 6160616
Jaipur 0141 6160616
Kolkata 033 61606161
Lucknow 0522 6160616
Mumbai 022 61606161
Pune 020 61606161

Disadvantages and negative points of HDFC ergo health insurance:

  • It is a third-party health insurance company.
  • An insurer may not able to buy more than Rs. 3000 room.
  • The insurance premium is very costly.
  • All other companies cover health check-up benefits every year, but HDFC ergo covers health check-up benefits after 4 years.

Awareness about Religare health insurance/care health insurance

Religare health insurance now takes over by Care health insurance. It is originated in 2012 in Haryana, Gurugram.


Claim settlement ratio 93%
Network hospital 7400+
Renewal Life-time
Pre-existing diseases 4 years
Grievances resolved 99.30%

Types of plans in Religare/Care health insurance company:

Religare Care health insurance plan

  • The policy provides coverage between 3 lakh to 6 crores.
  • It also reimburses ambulance expenses.
  • It provides a claim bonus of up to 100% to the insured if he has not claimed the policy.

Religare Care freedom: For diabetes patient

  • 3 Lakhs and 5 Lakhs under Policy 1 while 7 Lakhs and 10 Lakhs under Policy 2 provide coverage.
  • No pre-policy medical check-up.
  • The policy covers patient expenses, such as diagnosis, physician consultation, and medications.
  • Under this policy, annual health check-ups can be upgraded to diabetes health check-ups or heart health check-ups.

Religare Care heart health insurance

  • It offers Rs. 2,000 to Rs. 3,000 per hospitalization depending on the sum insured.
  • 10% increase in sum insured per policy year in case of the claim-free year; Maximum 50% of SI.
  • Any expenses for treatments like alternative medical treatment and Ayush treatment, etc. are also covered under the policy.

Religare Care health insurance plan: For Maternity

  • Pre and post hospitalization for 30 and 60 days respectively.
  • It provides 90 days of free coverage to the newborn.
  • A waiting period of 24 months under the scheme.

Religare Enhance Health Insurance Plan

  • The insured does not require any pre-policy medical check for deductible amount and sum insured below 40 lakhs till the age of 50 years.
  • If the insured is admitted to the hospital for a period of at least 24 hours, then room rent, nursing fee, intensive care unit fee such as surgeon’s fees, blood, oxygen and etc. are also covered under the scheme.

Religare Care Senior Health Insurance Scheme

  • It provides a 10% increase in the sum assured per policy year in case of the claim-free year.
  • A co-payment option of 20% per claim is applicable and thus there is a 20% discount in premium to be paid.
Advantages and positive points of Religare/Care health insurance company:
  • Cashless Hospitalization Immediate.
  • In house claim settlement.
  • Unlimited restoration benefit.
  • Super NCB (No Claim Bonus) benefit.
  • Sum insured of 5 Lakhs or above has no limit on room rent.
  • Claim Facility no Restriction on Hospital Rent.
  • 24×7 Customer care facility.
  • Religare customer care number 1800-209-9090.
Disadvantages and negative points of Religare/Care health insurance company:
  • Delay in claim settlement.
  • Daycare treatment is only Rs. 540.
  • Less network hospital than HDFC ergo.


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