HDFC Ergo Health Insurance In-Depth Review | Is It Worth It? | Ditto Explained

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Is HDFC Ergo health insurance worth your investment? In this video, we will provide a detailed analysis of HDFC Ergo as an insurance company, the most prominent plans they offer along with their pros & cons.
We will discuss-
History of HDFC Ergo
Essential Factors such as Claim Settlement Ratio (CSR), Incurred Claim Ratio (ICR), the number of network hospitals, complaint volumes etc
Comparison with other top insurers in India
HDFC Ergo’s flagship products-
Optima Restore vs Optima Secure and their benefits
Introduction to HDFC myHealth Suraksha plans
Internal insights on HDFC Ergo’s qualities & drawbacks, and claim-settlement process etc
Check out our review on HDFC Ergo Optima Secure: • Care Health Insurance ...
Care Health Insurance Review: • Care Health Insurance ...
Care Supreme Policy Review: • Care Supreme Health In...
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[@venkatreddym3389]

Please add another parameter for how future premiums would affect i.e by age(s), inflation, entry etc

[@AbhishekKumar-ub8co]

You have 10+ videos on HDFC ergo alone. I find it fishy, why aren't you talking about some other players like Future Generali, ICICI Lombard, Tata AIG, All India Insurance etc

[@arnab_bhowal]

It's business

[@vignesh_m_1995]

how to compare a general insurance company like HDFC Ergo with a standalone insurer like Star, Care or Niva Bupa as the general insurance companies has other insurance products as well. For example (I did a small analysis. Please correct me if I am wrong), HDFC Ergo has a compaint volume of around 6% where as its 30-40% for Care or Niva Bupa. But we can't read that 6% as such as a really good one as HDFC Ergo has other policies like Motor, Fire, etc. So I tried to find out what is the total volume of the health insurance within HDFC Ergo against the total premiums they collect (Gross Written Premium). I can read from their annual report they have around 30-35% of health insurance. Now coming to their complaint volume. Assuming (worst case), the entire 6% of the complaints coming in this 30-35% of the health insurance share they have, 3 times 6% (calculating only for their health insurance) would be 18% which is still way less than the complaint volumes of Niva Bupa & Care. The numbers may change in future. But is the right way to compare a general insurer & a standalone health insurer??

[@oliveirocarvalho6184]

Don't believe all these ads. HDFC Ergo is very smart in inducing people to buy it's policy, with low premium. Once you purchase this policy you are in their trap. They will not leave any options but to join the their very high insurance premium. For example they stopped Suraksha scheme, low premium and the customer is forced to migrate to high premium Optima Protect

[@manasbehera5744]

modern treatment not covered in HDFC Ergo Health Insurance . I read policy wording modern treatment this word is not available. please advice....

[@vagaboundHarish]

you are mentioning "Any room" but their website mentions "Single private room" for Policy less than 50 Lacs

[@jana.anubhav]

That was earlier, now you can choose any room

[@chakrims9263]

Hdfc ergo has removed majority of their hospitals from their network in most of the cities this year then why should I choose them

[@kranthiindia1233]

Any reason for this? even i'm still planning to take this policy or Is it Niva Bupa Reassure 2.0 is good? i have seen mixed reviews for this policy as well? kindly confirm which one is good?

[@nerisalobo]

They are providing cashless facility for even non network hospitals now

[@Nitax-v2w]

Ac​@@kranthiindia1233

[@georgecostanza5383]

Great video, Cover other plan of different companies in coming days. And dont give up.

[@ayubrai6082]

What about 5 lakh plan. You mention only about 10 lakh plan. Does 5 lakh also gets doubled in optima secure ?

[@ravigautam9619]

Never go with HDFC ergo health insurance. Very bad experience with them.they denied my claim in last moment.when I needed more. Never go with this policy.they even not passing simple claim

[@yashwantdhole7645]

😂😂😂 Bro same comment and exact words. Very fake

[@subhajit88basu]

Thank you for very crisp idea on hdfc ergo health insurance policy and their business strategy. Very nice presentation with a question answer conversation. 👍

[@rsv1503]

I do not understand cons at 9:15. Please explain in detail.

[@dittoinsurance]

Hey! You can book a call with for FREE to know more bit.ly/4787WoW

[@oliveirocarvalho6184]

Never purchase from HDFC Ergo. as noted in my previous comments, They have very good influence with IRDAI and get approval according to their profit/benefits and not of simple and poor person like us. Purchase from Government Insurance company

[@VJ-dx3hp]

Govt companies are worse they settle claim through TPA which are also pvt baniya types.

[@subhajit88basu]

I have one request if you explain govt health insurance plans and some sectors like young generation plans like New india assurance Yuva bharat health policy. It is my request for your kind perusal.

[@dittoinsurance]

Sure. We can add that to our pipeline

[@sabyasachichatterjee7375]

Govt. Insurance company is the best because they never give false promise

[@NS_Vlogs23]

What is room rent limit = at actuals? What does this mean. U are saying sum insured limit but in hdfc I have got to know it's at actuals?

[@dittoinsurance]

⁠Room rent limit is basically the option the customer has with respect to which room he or she can use during hospitalisation which is covered by the insurer. Under HDFC we can choose any room of our choice and that will be covered entirely by the insurer

[@randomstuffsofdayandnight]

Now there is no restriction upper limit on age in secure

[@sandipmira]

Hi ditto ! Please make a detailed video on Tata Medicare Premier

[@kunalgadekar4183]

Premium Har saal increase hone wala hai to Jo policy wording me illustration dia hai age wise and sum assured wise premium utna hi badega ya vo insured person ke uss time ki health pe depend hoga ki itna itna premium increase hoga each year.

[@AR-82]

Which plan did u take ? Any update.

[@kunalgadekar4183]

@@AR-82 Star health assure nahi to ICICI Lombard Health AdvatEdge in dono mese ek final karnewala hu.

[@AR-82]

@@kunalgadekar4183 Star health mat Lena. It's not good. I've also done a lot of research. Mujhe kisi ne kaha ki only general insurances me lena, not from stand alones ...Choose from Icici lombard, Hdfc ergo and Tata AIG. Reviews har kisi ke bure hain. Policy bazaar se mat Lena.

[@Amandeep_1410]

Plz do the analysis of Tata Medicare Premier Plan also

[@dittoinsurance]

Noted

[@kavitagupta385]

Please talk about care group plan

[@12345harihari]

Very informative.

[@mayurkhatavkar5848]

Im bit confused. Will you please tell me which Health insurance should i take for my family.

[@dittoinsurance]

Hi there, we understand choosing the right policy is a bit tricky. But don't worry, we have already done the research and looking forward to assist you! Book a FREE call here: bit.ly/46v6tIm

[@ajaydave6113]

Why Optima super secure plan not on your website?

[@SlokAks]

Yes, it is much better.

[@ashishkumar-vt7bi]

Good Informative video...thanks...

[@dittoinsurance]

Thank you so much! 🙌

[@InfinityMaths]

Madam ye bhi to batayeye market m sabse mehga plan hai. just 3 times than other companies.

[@AR-82]

10-15% zyada hai. Not double or triple.

[@ShivamMishra-xl2um]

Can you back your numbers because on other sites the number dont match.

[@AR-82]

How ? Did u find it low or high at this site ditto.

[@MrBibinmohan]

Please make a video for best maternity cover plans.

[@dittoinsurance]

Coming right away!

[@DineshKumar-xj9wj]

What's the difference in optima vs Suraksha??

[@apssceverything3248]

No claim bonus in case of optima is 50% per year whereas in suraksha it is less. Optima gives 4x cover in 2 years even if you make any claims.

[@dittoinsurance]

Hey! We've uploaded reviews of both on our channel. Feel free to check them out!

[@rawfootagesbyvandna7469]

She is too good

[@RSM_DVK]

Good video. Can you confirm if HDFC ERGO Optima Secure insurance plan covers modern treatment methods. It is not mentioned in their policy wordings. But, it is covered in HDFC Optima Restore as per its brochure. Thanks.

[@travelandmovieslife1071]

Yes, it's covered. I purchased HDFC optima secure policy and I got mail confirmation from them stating that the Modern treatments are covered upto the SI.

[@narayanansreenivasan2558]

@@travelandmovieslife1071how long does the process to issue the policy takes.. also did you get thru any online mode or in connection with an agent??

[@travelandmovieslife1071]

@narayanansreenivasan2558 My policy was issued immediately since we do not have any existing diseases...I purchased online.

[@ganeshsubramanian1682]

I am from Zambia and i am 66 years. Can I get Health Insurance?

[@AllinOne-md1tj]

care supreme

[@AR-82]

Very less options. Most of the companies doesn't offer insurance after 65 year age. Very less plans.

[@user-ft4qw9dl7j]

This is really a wonderful video, I appreciate your efforts in makings this video.

[@dittoinsurance]

Thank you very much!

[@_pritamdebnath]

Is there cover critical illness, if yes is there any hidden terms and condition

[@aapki_kashishhh]

Great video!!!

[@dittoinsurance]

Thank you!!

[@mdzamin8410]

More of a confusion video than giving a solution.

[@journeylover8536]

if cancer occurs during the policy year then we will get the claim for it or not ?

[@dittoinsurance]

It depends on the particular policy and other parameters. In case of any further doubts, please book a free call with us and our best Advisors will help you out: bit.ly/46v6tIm

[@soumyachaudhuri6136]

Best and Honest review, I have found in ▶️KZbin

[@dittoinsurance]

Thank you so much!!

[@amanannu007]

Nice content but do not switch to hinglish mode

[@donjoseph7261]

Great video! Plase do the analysis of HDFC ERGO Optima Secure

[@dittoinsurance]

Thanks Don! We will.. 🙌

[@randomstuffsofdayandnight]

She so sweet.

[@vishnuadvocate8513]

Pls. name the videos in hindi so that non Hindi understanding viewers can skip this. Giving pure english display with hindi speaking video is nothing but duping the viewers and wasting their time. Ditta has a high reputation in recent days, but videos like this displaying some thing and showing completely different will erode its professionalism.

[@jeyaganeshs9621]

A suggestion to the @Ditto team, It would be great if you make the same video in all the Regional languages. Atleast in South Indian Languages. 😅

[@vivekvishrolia]

Worse is Hdfc, extremely worse experience

[@ARGReviewChannel]

fraud company hi kabhi galti se bhi mat lena

[@Dstag4796]

Ya Hindi boliye nahi to English hi bol lijiye

[@studygist8768]

HDFC is a scam.

[@bhanugopaldash7040]

Kuchh samajh nahi aaya , thanks .

[@avinash3249]

Hindi me bol nahi sakti kya

[@nerisalobo]

Not everyone is a gawaar gaunti like you

[@CMGM55]

English seekh nahi sakta kya

[@r.t.1934]

​@@CMGM55 hamari matru bhasha me cheeze hame acche se samajh me aati hai. Hame gyan chahiye language ki sakhti kyu?

[@theindomitablespirit3056]

​@@r.t.1934എടാ മറ്റ് ഭാഷകള് സംസാരിക്കുന്നവർക് മനസിലാവണ്ടെ.... ഭരണഘടനയില് 22 ഭാഷകള് ഉണ്ട്...മലയാളം ആണ് എന്റെ മാതൃഭാഷ.....അത് സംസാരിച്ചാല് നിനക്ക് മനസിലാകുമൊ.. ...that's why it's good to use a global language in order to serve a larger and diverse audience. നന്ദി

[@chandansingh2845]

Jyada padhi likhi hay

[@kandarpnaik823]

Hindi me bola kariye

[@nerisalobo]

Kyun tumhe English nahi aati ya gawaar gaunti ho?

[@TheUtshaho]

Ha bhai pata hai HDFC achha hai. But costly hai