HDFC ERGO Health Insurance
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Health Insurance
The Benefits of Bundling: How Combining Insurance Policies Saves You Money
Bundle your health insurance with other policies to save money, simplify management, and enjoy broader, seamless protection from one trusted insurer.
Benefits You Can Get :
Highlights
Claims processed in ~15 minutes via AI-powered backend; policy issuance within 5 minutes online
App-driven customer servicing (IPO app), geo‑based assistance
Digital-first interface, chat-assisted query resolution
Customer Experience
Many users cite smoother and quicker onboarding and support compared to certain competitors
Agent Guidance
Explain Activa Safe Access to digital services and claim support; show individual vs family offerings; highlight edge in claim support and digital ease.
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At‑a‑Glance Comparison Table
At‑a‑Glance Comparison Table:
| Company | Signature Plans | Sum Insured Range | Key Perk | Caution/Notes |
|---|---|---|---|---|
| Tata AIG | MediCare Series, Arogya Sanjeevani | up to ₹3 cr | High claim ratio, global cover | Waiting periods may vary |
| HDFC ERGO | Apollo-derived health plans | individual/family plans | Fast digital ops & AI-based support | Limited public plan detail |
| ManipalCigna | Active, Infinite plans | ₹5 l – ₹3 cr | Unlimited restoration, wellness perks | New entrant with few policies |
| IFFCO Tokio | Health + Wellness add-on programmes | conventional + wellness | Cashless everywhere, mental-health support | Wellness interest important |
| ICICI Lombard | Complete Health Policy | ₹1 l – ₹1 cr | No sub-limits, free checks | Age impact on premium rises |
| Care Insurance | Family, Senior, Critical Illness | up to ₹6 cr | High sum insured, flexible options | Waiting rules strict |
| Niva Bupa | Rise, ReAssure, Companion, CritiCare | ₹3 l – ₹1 cr+ | Global premium returns plan (Rise) | Poor service reviews common |