What is HDFC ERGO Health claim settlement ratio?

HDFC ERGO Health Insurance's claim settlement ratio is 100.00% for FY 2023-24, sourced from IRDAI annual reports.

Is HDFC ERGO Health reliable for claim settlement?

Yes. HDFC ERGO Health Insurance has a 100.00% CSR (FY 2023-24), well above the industry average of ~90%.

How to file a claim with HDFC ERGO Health?

To file a claim with HDFC ERGO Health Insurance: (1) Notify the insurer within the stipulated time frame, (2) Submit claim form with required documents, (3) The insurer must settle within 30 days per IRDAI guidelines. Contact the insurer's toll-free number or visit their branch for assistance.

ClaimRatioβCompare Insurers

Max Life Insurance·99.5%HDFC Life Insurance·99.4%Bajaj Allianz Life Insurance·99.1%Kotak Mahindra Life Insurance·98.8%LIC India·98.6%Tata AIA Life Insurance·98.5%ICICI Prudential Life Insurance·97.9%Aditya Birla Sun Life Insurance·97.5%PNB MetLife India Insurance·97.4%SBI Life Insurance·95.7%HDFC ERGO Health Insurance·100.0%Aditya Birla Health Insurance·95.5%ManipalCigna Health Insurance·91.8%Star Health and Allied Insurance·91.3%Niva Bupa Health Insurance·91.2%New India Assurance Company·91.1%Care Health Insurance·90.3%United India Insurance·90.2%Tata AIG General Insurance·89.4%Reliance General Insurance·88.7%ICICI Lombard General Insurance·88.2%Bajaj Allianz General Insurance·87.9%Future Generali India Insurance·86.3%Go Digit General Insurance·85.4%Acko General Insurance·84.1%Max Life Insurance·99.5%HDFC Life Insurance·99.4%Bajaj Allianz Life Insurance·99.1%Kotak Mahindra Life Insurance·98.8%LIC India·98.6%Tata AIA Life Insurance·98.5%ICICI Prudential Life Insurance·97.9%Aditya Birla Sun Life Insurance·97.5%PNB MetLife India Insurance·97.4%SBI Life Insurance·95.7%HDFC ERGO Health Insurance·100.0%Aditya Birla Health Insurance·95.5%ManipalCigna Health Insurance·91.8%Star Health and Allied Insurance·91.3%Niva Bupa Health Insurance·91.2%New India Assurance Company·91.1%Care Health Insurance·90.3%United India Insurance·90.2%Tata AIG General Insurance·89.4%Reliance General Insurance·88.7%ICICI Lombard General Insurance·88.2%Bajaj Allianz General Insurance·87.9%Future Generali India Insurance·86.3%Go Digit General Insurance·85.4%Acko General Insurance·84.1%

Health Insurance · IRDAI Data

HDFC ERGO Health Insurance

HDFC ERGO Health (formerly Apollo Munich Health Insurance) is the health arm of HDFC ERGO General Insurance. It reported a claim settlement ratio of 100% in 2023-24, the highest in the health segment.

HEALTHICR 100.00% · FY2023-24Mumbai

ICR FY2023-24

100.0%

8,421 settled

Pros & Cons

Pros

✓100% claim settlement ratio (2023-24)
✓Optima Secure plan covers room rent without capping
✓Zero co-pay for all ages at network hospitals
✓Bonus of 50% added each claim-free year

Cons

✕Premiums are at the higher end of the market
✕Fewer standalone health products compared to Star Health

Complaint Data

Complaints / 10K

9.1

FY2022-23

Grievance Disposal

99%

How does HDFC ERGO Health compare?

Side-by-side CSR, complaints, and grievance data.

Compare HDFC ERGO Health →