COCOCure Health Insurance vs HDFC ERGO Health Insurance

If you are passive and sedentary about your health and lifestyle, then it becomes more probable that you might need medical intervention. But if you are active and take concrete steps to ensure a healthy lifestyle, the chances of you needing medical attention will reduce. Moreover, it will make financial tools like health insurance more affordable and comprehensive for you, as insurance companies give extra benefits in the form of premium discounts to those whose health is less risky to insure. Different insurers offer different benefits, but the power to choose a health insurance policy lies in your hands. Take a look at this COCOCure Health Insurance and HDFC ERGO Health Insurance comparative guide and see what suits you better. 

COCOCure Health Insurance vs HDFC ERGO Health Insurance – Overview 

ParameterCOCOCure Health InsuranceHDFC Ergo Health Insurance
No. of health insurance policies810+
E-servicesPolicy salePolicy renewalClaim settlementOnline consultationBranch locator 24×7 customer helpPolicy salePolicy renewalClaim settlementOnline consultationBranch locator 24×7 customer service
Branches17200+
Claim settlement ratio (CSR)97%92%
Cashless claim settlement time 24-48 hours20 minutes 
Hospital network5,000+10,000+

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

Health Insurance Policies: COCOCure Health Insurance vs HDFC ERGO Health Insurance

COCOCure Health Insurance believes that one should be able to enjoy their life. Which is why, it ensures that you don’t have to carry the worries of healthcare with its diverse range of health insurance policies. 

HDFC Ergo Health Insurance does everything to ensure that your health doesn’t take a backseat in the pursuit of life through its customized health insurance policies. 

Group/ Corporate Health Insurance: 

COCOCure’s Group Health Insurance Policy offers: 

  • Sum insured (SI) amount options up to Rs. 1,00,00,000
  • Coverage for: 
  • Pre and post-hospitalization
  • In-patient hospitalization 
  • Domiciliary hospitalization
  • Mental illness treatment 
  • HIV/AIDS treatment 
  • Daycare treatment 
  • Organ donor expenses
  • Critical illnesses 
  • Non-allopathic (AYUSH) treatments that include: 
  1. Ayurveda
  2. Unani
  3. Siddha 
  4. Homeopathy
  • Maternity and newborn baby care 
  • Vaccination needed due to an animal bite 
  • Dental treatment needed due to an accident 
  • Family transportation cost 
  • Emergency ambulance charges
  • Second medical opinion

HDFC Ergo’s Group Health Insurance Policy offers: 

  • Coverage for: 
  • Pre and post-hospitalization
  • In-patient hospitalization 
  • Nursing expenses 
  • Domiciliary hospitalization
  • Daycare treatment 
  • Optional benefits for: 
  • Maternity needs
  • Pre-existing diseases
  • Health check-up
  • Dental treatment 
  • Ambulance services
  • Spectacles, contact lenses 

Personal Accident Insurance: 

COCOCure’s Personal Accident Policy called COCOProtect gives: 

  • SI amount options up to Rs. 5,00,00,000
  • 100% SI on the death of the insured due to an accident  
  • 150% SI on permanent total disability of the insured 
  • 100% SI on an injury caused while engaging in adventure sports 
  • Up to 100% of the SI for burns and fractures 
  • Up to 75% SI on permanent partial disability of the insured 
  • Rs. 2,500 per week on temporary total disability of the insured 
  • A lump-sum benefit for: 
  • Trauma counseling sessions
  • Education expenses of the insured’s children 
  • Funeral and transport expenses
  • Reimbursement for: 
  • Physiotherapy expenses
  • Mobility aids equipment 
  • In-patient hospitalization expenses 
  • Skill development course expenses 

HDFC Ergo’s Personal Accident Policy called offers:

  • SI amount options up to Rs. 15,00,000
  • 100% SI on the death of the insured due to an accident  
  • 100% SI for on permanent total disability of the insured
  • Up to 100% SI on permanent partial disability of the insured 
  • Up to 100% SI for fractures and broken bones
  • Up to 100% SI for second and third-degree burns 
  • Weekly cash benefits on temporary total disability of the insured 
  • Coverage for: 
  • In-patient hospitalization expenses 
  • Home tuition/ education expenses of the insured’s children 
  • Counseling expenses of the insured’s family 

COVID-19 Insurance: 

COCOCure Health Insurance and HDFC ERGO Health Insurance offer: 

  1. The Corona Kavach Policy gives: 
  • SI amount options up to Rs. 5,00,000
  • Coverage for:
  • Pre and post-hospitalization 
  • In-patient hospitalization 
  • Domiciliary hospitalization 
  • AYUSH treatments
  • Comorbidity conditions 
  • Road ambulance charges 
  1. The Corona Rakshak Policy gives: 
  • SI amount options up to Rs. 2,50,000
  • 100% payment of the SI on the diagnosis of COVID-19 and continuous hospitalization of 72 hours or more
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