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Health insurance comparison

HDFC ERGO vs Aditya Birla Health Insurance

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. 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.

₹563/month starting premium for HDFC ERGO
NA starting premium for Aditya Birla
3 live plan families tracked

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Comparison snapshot

HDFC ERGO logo

HDFC ERGO

Starting ₹563/month

Claim ratio99.16%
Plans3
Aditya Birla logo

Aditya Birla

Starting NA

Claim ratio96.00%
PlansNA

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HDFC ERGO logo
HDFC ERGO

Starting ₹563/month

View plans

Plan count

3

Coverage

Rs. 2 Cr

Claim ratio

99.16%

Plan count

NA

Coverage

NA

Claim ratio

96.00%

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