HDFC ERGO Health Insurance vs Reliance Health Insurance

A health crisis not only affects you physically and emotionally, it also drains your finances, due to the steep costs of healthcare.  However, a health insurance plan can safeguard your life savings, ensuring you get quality treatment in any health emergency at an affordable cost. To find the right policy, you need to compare the plans offered by reputed insurance providers. You can start with this HDFC Ergo Health Insurance and Reliance Health Insurance guide to understand the different features of health insurance policies. 

HDFC Ergo Health Insurance versus Reliance Health Insurance – Overview 

ParameterHDFC Ergo General Health InsuranceReliance Health Insurance
Number of health insurance plans10+11
E-servicesPolicy sale
Policy renewal
Claim settlement
Online consultation
24×7 customer service
Policy sale
Policy renewal
Claim settlement
Online consultation
24×7 customer service
Branches100+130+
Claim settlement ratio92%93%
Cashless claim settlement timeWithin 20 minutesWithin 2 days of intimation 
Network Hospitals 10,000+7,000+

IRDAI Annual Report, 2018-19

Health Insurance Plans: HDFC Ergo Health Insurance versus Reliance Health Insurance

HDFC Ergo has 10+ health insurance plans for individual, family, maternity, parental and senior-citizen needs. They cover critical illnesses, accidents, and COVID-19, among other medical conditions. 

Reliance Health Insurance has 11 health insurance plans for individual, family, senior-citizen and corporate group needs. They provide coverage against critical illnesses, accidents, COVID-19 and other health issues. 

Here is a comparison of HDFC Ergo Health Insurance and Reliance Health Insurance and three of their popular health plans. Go through them and pick the one fitting your requirements the best. 

Critical Illness Health Insurance: 

HDFC Ergo Critical Illness Plan offers…

  • Coverage for 15 critical illnesses including heart attack, cancer, paralysis, liver disease, etc. 
  • Sum insured (SI) amount up to Rs.50 lakhs
  • Lump- sum payout of SI upon diagnosis of critical illness 
  • Waiver of pre-policy medical check-up for individuals below 45 years of age 
  • Option to choose survival period of 15/ 30 days 

Reliance Health Insurance Critical Illness Plan offers:

  • Coverage for 10 critical illnesses such as cancer, end-stage renal disease, third-degree burns, and more. 
  • A SI amount up to Rs.10 lakhs
  • Lump-sum payout of SI upon diagnosis of critical illness 
  • Waiver of pre-policy medical check-up for individuals up to the age of 45

Personal Accident Health Insurance: 

HDFC Ergo Personal Accident Plan offers:

  • The policy on an individual and family floater basis
  • 100% Lump-sum payout of SI upon accidental death and permanent total disability
  • Coverage for broken bones, burns, permanent partial and temporary total disability 
  • Reimbursement of ambulance costs and daily hospital cash allowance 
  • Round the clock and worldwide coverage
  • Waiver of pre-policy medical tests under specific conditions

Reliance Health Insurance Personal Accident Plan offers:

  • A SI amount up to Rs.20 lakhs
  • Reimbursement of medical expenses 
  • 100% payout of SI upon accidental death and permanent total disability 
  • 50% – 100% pay out of SI upon permanent partial disability 
  • Coverage for transportation costs (up to Rs.2500)
  • Child education benefits 
  • Round the clock and worldwide coverage

Arogya Sanjeevani Health Insurance: 

Arogya Sanjeevani Health Insurance is a part of the IRDAI’s directive mandating all insurance companies across India to provide standard and affordable health care. Both HDFC Ergo Health Insurance and Reliance Health Insurance offer this health cover that share similar features and benefits. 

HDFC Ergo and Reliance Health Insurance Arogya Sanjeevani Policies offer:

  • SI amounts between Rs.1 lakh – Rs.5 lakhs
  • Coverage for pre, post and in-patient hospitalization 
  • Inclusion of daycare procedures and alternate (AYUSH) treatment 
  • 25% payout of SI for cataract treatment 
  • Cover for dental treatment and plastic surgery owing to a disease/ injury
  • 50% payout of SI for 12 additional surgical procedures
  • Road ambulance benefit of Rs.2000 per hospitalization

The purpose of this HDFC Ergo Health Insurance versus Reliance Health Insurance comparison is to help you select a health insurance plan as per your health needs and financial capacity. For further clarity, you can reach out to a professional insurance expert prior to purchasing health insurance.