HDFC ERGO health insurance review
What their own claim record says, and which of their plans is worth your money.
HDFC ERGO settles 97.61% of claims and draws 8.87 complaints per 10,000 claims, fy 2024–26 (3-year average) from IRDAI disclosures. That is 2 of the 10 insurers we track in this category on settlement ratio. We review 1 of their health insurance plan; Optima Secure+ scores highest at 4.6/5.
- Claim settlement ratio
- 97.61%
- Complaints per 10,000 claims
- 8.87
- Settlement rank
- 2 of 10
- Our insurer score
- 4.99 / 5
- Book size
- ₹6,596.53 Cr
HDFC ERGO health insurance plans we rate
| Plan | Score | Cover |
|---|---|---|
| Optima Secure+ | 4.6 / 5 | ₹10 L – ₹2 Cr |
- Optima Secure+ — This is the plan we put in front of most families, and the reason is the claims record rather than the feature list. A 97.61% settlement ratio with 8.87 complaints per 10,000 claims means that when you are standing at a hospital billing desk, this insurer is the one most likely to just pay. The Infinite Benefit is the other reason — cover that adds 100% of the base every year with no ceiling quietly solves the medical-inflation problem that catches most people out a decade in. It costs more than Activ One MAX. We think it is worth it.
What the claim record means
A settlement ratio is the share of claims an insurer paid in a year. It is the single most useful number about a company, and also the most easily misread: a high ratio on a small book says less than the same ratio on a large one, and it says nothing about how long a claim took or how hard it was to get paid. That is why we read it beside complaint volume — HDFC ERGO draws 8.87 complaints per 10,000 claims — rather than on its own.
Both figures are fy 2024–26 (3-year average) from IRDAI Annual Report, insurer public disclosures & policy wordings. See how we score plans and insurers.
Frequently asked questions
What is HDFC ERGO's claim settlement ratio?
97.61%, as fy 2024–26 (3-year average) from IRDAI disclosures. That ranks 2 of the 10 insurers we track in this category. HDFC ERGO draws 8.87 complaints per 10,000 claims.
Is HDFC ERGO good for health insurance?
We rate 1 HDFC ERGO plan in this category. HDFC ERGO Optima Secure+ scores highest at 4.6/5. This is the plan we put in front of most families, and the reason is the claims record rather than the feature list. A 97.61% settlement ratio with 8.87 complaints per 10,000 claims means that when you are standing at a hospital billing desk, this insurer is the one most likely to just pay. The Infinite Benefit is the other reason — cover that adds 100% of the base every year with no ceiling quietly solves the medical-inflation problem that catches most people out a decade in. It costs more than Activ One MAX. We think it is worth it.
How many complaints does HDFC ERGO get?
8.87 complaints per 10,000 claims, fy 2024–26 (3-year average) from IRDAI's public grievance disclosures. Lower is better.
Compare HDFC ERGO with other insurers
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Disclaimer: Figures shown here are compiled from IRDAI annual reports and public grievance disclosures, and from insurer public disclosures and policy wordings. Claim settlement ratios and complaint volumes are three-year averages for FY 2024–26. Premiums are indicative illustrations for the stated profile, not quotes — your actual premium depends on your age, health, city, habits and underwriting. Scores are Myinsurancebro's own assessment. Always read the official policy document and speak to an advisor before buying. Myinsurancebro is an IRDAI-licensed insurance advisor — we do not manufacture or underwrite any insurance product.