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Importance of HDFC Ergo Health Insurance with OPD Cover in India
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HDFC Ergo Health Insurance with OPD Cover

A medical emergency is one of the very few things, that does not classify people. It can happen to anyone and at any point in time. Though taking good care of your health, watching what you eat, exercising as and when feasible reduce the chances of medical emergencies. It, however, does not eliminate the same.

Buying a health insurance plan is your next best shot. In the case of a medical emergency, the health insurance plan will safeguard you and your loved ones. It will take care of the expenses and ensure that you get access to the best healthcare out there. And buying your health insurance plan from HDFC Ergo has its own benefits.

HDFC Ergo Health Insurance

If you are looking around for a health insurance plan, you will mostly come across HDFC Ergo as a viable option. HDFC Ergo has been serving customers for a long time now and that shows in the products and customer service. Here are some points that go in favour of HDFC Ergo while choosing a health plan.

  • The brand boasts of serving more than 1.5 crore customers over a period of 18 years.
  • HDFC Ergo is easily one of the most trusted insurance providers in the country.
  • The insurance provider has a strong network of more than 13000 hospitals. Ensuring you are never too far away from being in a network hospital.
  • A seamless cashless benefit, where you do not have to pay anything from your pockets.



It should not come as a surprise that there HDFC offers a plethora of health insurance plans to choose from. The numerous health plans are designed to cater to specific needs and requirements. Whether you are looking for individual plans or family floater plans or critical illness plans, you will find one with HDFC Ergo.

You get to choose from three primary types of health insurance plans that HDFC Ergo offers. 

Indemnity Health Plans

Indemnity health insurance plans are the more fundamental health insurance plans that you can buy. The plan pays for any actual medical expenses that you incur during hospitalisation or otherwise. You can either pay for the treatment up front and reimburse the amount with HDFC Ergo or avail of their cashless benefits.

HDFC Ergo offers four different indemnity health plans to choose from. Optima Secure is the most popular among them. The plan offers a sum assured of INR 5 Lakhs to INR 2 crores and you can save up to 50% on the premiums via various discounts. 

Top-Up Health Plans

As the name might give away a bit, this policy works in conjunction with your primary health insurance. People who already have corporate health insurance or normal health insurance can use the top-up plan to widen the scope of the policy. And all this by paying only a small premium.

Fixed Benefit Health Plans

Unlike the other two insurance plan types, a fixed benefit health plan does not pay the actual bills. On the diagnosis of a medical condition, the insurance company will pay the sum assured. Thus, letting you focus on the treatment rather than worrying about payments. This comes in handy for critical illnesses such as Cancer, Stroke, Paralysis, etc.

HDFC Ergo OPD Cover

Apart from the tonne of features that HDFC Ergo packs, it also offers an OPD cover. The HDFC Ergo OPD cover ensures that you do not have to pay for any expenses related to OPD treatment. There are a lot of procedures and treatments that do not require the patient to be admitted to the hospital. 

Some common examples of treatment in the outpatient department include fractures, minor surgeries, doctor’s consultation, diagnostic tests, etc. HDFC Ergo OPD cover makes sure that you do not pay for such expenses from your pockets. 

HDFC Ergo health insurance with OPD cover works well for senior citizens and people who work out. Senior citizens are more prone to smaller injuries and so are people who work out or go to gyms. HDFC Ergo OPD cover takes care of the expenses. You can opt to pay for the expenses and file for reimbursement later. Alternatively, you can also opt for cashless treatment.

HDFC Ergo health insurance with OPD cover is also beneficial for people who frequently visit the OPD either for diagnostics tests, pharmacy, or medication. Quite a lot of us would think that the HDFC Ergo health insurance with OPD cover might not be required. However, data suggests otherwise. About 62% of all medical expenses are OPD related. Thus, it makes even more sense to opt for an OPD cover. 

Apart from financially protecting you and your loved ones from healthcare needs, health insurance also offers tax breaks. Any premium that you pay towards your health insurance policy, helps you reduce your taxable income under Section 80D of the Income Tax Act.

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