ClaimRatioIndiaCalculate

HDFC ERGO Health Insurance

Est. 2002Mumbaihealth insurer
CSR 2023-24
100.00%
Excellent
Complaints FY 2022-23
9.10
per 10K policies
99% disposal rate
Source: IRDAI Annual Report 2022-23
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.

Claim settlement ratio history

Financial YearCSR %Claims SettledRatingSource
2023-24100.00%8,421ExcellentIRDAI Annual Report 2023-24

Strengths

  • +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

Limitations

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

How to file a claim

Claims processed via in-house team. Cashless approval given within 2 hours. Reimbursement within 7 working days.

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