Aditya Birla Health Insurance vs HDFC Ergo Health Insurance

The need for a health insurance policy has become more imminent after the onset of the COVID-19 pandemic. In fact, around 71% of India’s population now thinks that health insurance is essential to fight diseases. Moreover, with the added benefits of protection against accidents, lifestyle diseases, and critical ailments, health insurance is an all-round financial tool to protect you against any unforeseen event. If you have any doubts about health insurance, you can go through this comparison guide of top insurance providers Aditya Birla Health Insurance and HDFC Ergo Health Insurance and get the clarity you need. 

Aditya Birla Health Insurance vs HDFC Ergo Health Insurance – Overview 

ParameterAditya Birla Health Insurance HDFC Ergo Health Insurance
No. of health insurance policies10+10+
E-servicesPolicy salePolicy renewalClaim settlementOnline consultationBranch locator24x7 customer supportPolicy salePolicy renewalClaim settlementOnline consultationBranch locator 24×7 customer service
Branches650200+
Claim settlement ratio (CSR)93.68%92%
Cashless claim settlement time2 hours20 minutes 
Hospital network7,000+10,000+

*Source: The Annual Report of the Insurance Regulatory and Development Authority of India (IRDAI) – years 2019-20 

Health Insurance Policies: Aditya Birla Health Insurance vs HDFC Ergo Health Insurance

Both Aditya Birla Health Insurance and HDFC Ergo Health Insurance have their excellent credentials to showcase – a CSR above 90%, a quick turnaround time of fewer than 2 hours, and a vast hospital network. The two insurance companies are subsidiaries of reputed parent groups – the Aditya Birla Group and HDFC Bank – which is an automatic verifier of their reliability. Each insurer offers over 10 health insurance policies. 

Parental Care Health Policy: 

Aditya Birla offers 5 health insurance policies for parental care: 

  • Activ Health Platinum – Essential 
  • Activ Health Platinum – Enhanced 
  • Activ Assure Diamond 
  • Premiere
  • Activ Care 

These policies provide: 

  • Sum insured (SI) amount options up to Rs. 2,00,00,000
  • Coverage for: 
  • Pre and post-hospitalization  
  • In-patient hospitalization
  • Domiciliary hospitalization
  • 500+ daycare procedures
  • Ayurveda, Unani, Siddha, and Homeopathy (AYUSH) treatments 
  • Vaccination expenses of children below 18 years of age 
  • Organ donor transplant expenses
  • Chronic/ lifestyle diseases 
  • Advanced treatments 
  • Ambulance charges 
  • Daily hospital cash allowances 
  • Dental consultations and treatments
  • Portable and lifestyle support equipment 
  • Wellness coaching and chronic disease management programs
  • A post-hospitalization recovery benefit
  • Worldwide emergency assistive services 
  • 100% restoration of the SI 

HDFC Ergo offers 3 health insurance policies for parental care: 

  • MyHealth Suraksha Silver Smart
  • MyHealth Suraksha Gold Smart 
  • MyHealth Medisure Super Top-up 

These policies provide: 

  • SI amount options up to Rs. 20,00,000
  • Deductible amount options up to Rs. 5,00,000
  • Coverage for: 
  • Pre and post-hospitalization  
  • In-patient hospitalization
  • Domiciliary hospitalization
  • Daycare procedures
  • AYUSH treatments 
  • Organ donor expenses
  • Mental healthcare 
  • Advanced treatments 
  • Road and air ambulance charges 
  • A post-hospitalization recovery benefit
  • 100% restoration of the SI 

Critical Illness Policy: 

Aditya Birla’s Critical Illness Policy called ‘Activ Secure’ provides: 

  • SI amount options up to Rs. 1,00,00,000
  • 100% of the SI upon the diagnosis of a listed critical illness 
  • Coverage for up to 64 critical illnesses including: 
  • Cancer
  • Stroke 
  • Kidney failure
  • Multiple sclerosis
  • Permanent paralysis 
  • 150% of the SI on the diagnosis of over one critical illness 
  • A wellness coach for lifestyle management
  • A second medical e-opinion

HDFC Ergo’s Critical Illness Policy provides:  

These plans provide: 

  • SI amount options up to Rs. 10,00,000
  • 100% of the SI on the diagnosis of a listed critical illness 
  • Coverage for up to 15 critical illnesses including:
  • Cancer
  • Stroke 
  • Heart attack 
  • Multiple sclerosis
  • Permanent paralysis 
  • A waiver of the pre-policy medical check-up for those up to 45 years of age 

Corona Kavach Policy: 

After IRDAI’s mandate last year directing all insurers to provide COVID-19 coverage, all insurers across India, including Aditya Birla Health Insurance and HDFC Ergo Health Insurance. The Corona Kavach Policy provides: 

  • SI amounts up to Rs. 5,00,000 
  • Coverage for: 
  • Pre and post-hospitalization  
  • In-patient hospitalization
  • Domiciliary hospitalization
  • AYUSH treatments 
  • Daily hospital cash allowances 
  • Ambulance charges up to Rs. 2,000 per hospitalization