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Home/Health Insurance/Aditya Birla vs HDFC ERGO

Health insurance comparison

Aditya Birla vs HDFC ERGO Health Insurance

Aditya Birla Health Insurance offers a broad portfolio of medical plans for individuals and families. It is positioned as a strong option for buyers who value wellness-linked benefits, flexible coverage and a wide hospital network. HDFC ERGO Health Insurance is a recognizable insurer for customers looking at strong digital servicing, broad health cover options and a widely known hospital-network footprint before entering plan comparison.

NA starting premium for Aditya Birla
₹558/month starting premium for HDFC ERGO
2 live plan families tracked

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Review claim settlement references for Aditya Birla and HDFC ERGO before you shortlist.

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Comparison snapshot

Aditya Birla logo

Aditya Birla

Starting NA

Claim ratio96.00%
PlansNA
HDFC ERGO logo

HDFC ERGO

Starting ₹558/month

Claim ratio99.16%
Plans2

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Select members you want to insure

Plan count

NA

Coverage

NA

Claim ratio

96.00%

HDFC ERGO logo
HDFC ERGO

Starting ₹558/month

View plans

Plan count

2

Coverage

Rs. 1 Cr

Claim ratio

99.16%

Comparison criteria
Aditya Birla
HDFC ERGO
Average rating
4.5/5 (45 Reviews)
5.0/5 (3 Reviews)
Number of health insurance plans and add-ons
NA
2 plans
Sum insured
NA
Up to ₹1 Cr
Network hospitals
15045+
14431+
Claim ratio
96.00%
99.16%
Preventive health check-up
Free health checkup
Not covered
Room rent limit
Any category
Any category
Existing illness cover
Covered after 2 years
Covered after 3 years
No claim bonus
Not covered
Max
Online discount
NA
NA
OPD coverage
Covered up to Rs. 2,650 per year for asthma
Available as an optional cover
Maternity
Rs. 50,000 maternity sum insured with fixed benefit coverage
Available as an optional cover
Day care treatment
All day-care treatments are covered up to the sum insured
All day-care treatments are covered up to the sum insured
Wellness benefits
Up to 100% discount on renewal premium
NA
Waiting period
Covered after 2 years
NA
Global coverage
Emergency evacuation worldwide covered up to Rs. 2 Cr per year
NA
Top selling plans
Activ Health, Activ Assure Diamond
Optima Restore, Optima Secure
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Insurance Products

DYS Family Raksha Insurance Web Aggregators Private Limited (CIN: U66220UP2023PTC184542) is registered with IRDAI as a Web Aggregator (Reg. No. 030, Code: IRDAI/INT/WBA/79/2023, valid till 06/02/2027); customer information may be shared with insurers and product details are based on information provided by insurers only.