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Health insurance comparison

HDFC ERGO vs Reliance 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. Reliance offers health insurance plans on CoverTiger for individuals and families who want to compare insurer benefits, network access and plan value before buying.

₹552/month starting premium for HDFC ERGO
₹412/month starting premium for Reliance
3 live plan families tracked

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See how both insurers stack up on entry premium, plan breadth and overall coverage options.

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Comparison snapshot

HDFC ERGO logo

HDFC ERGO

Starting ₹552/month

Claim ratio99.16%
Plans3
Reliance logo

Reliance

Starting ₹412/month

Claim ratio99.57%
Plans3

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HDFC ERGO logo
HDFC ERGO

Starting ₹552/month

View plans

Plan count

3

Coverage

Rs. 2 Cr

Claim ratio

99.16%

Reliance logo
Reliance

Starting ₹412/month

View plans

Plan count

3

Coverage

Rs. 2 Cr

Claim ratio

99.57%

Comparison criteria
HDFC ERGO
Reliance
Average rating
5.0/5 (3 Reviews)
NA
Number of health insurance plans and add-ons
3 plans
3 plans
Sum insured
Up to ₹2 Cr
Up to ₹2 Cr
Network hospitals
14431+
NA
Claim ratio
99.16%
99.57%
Preventive health check-up
Not covered
NA
Room rent limit
Any category
NA
Existing illness cover
Covered after 3 years
NA
No claim bonus
Max
NA
Online discount
NA
NA
OPD coverage
Available as an optional cover
NA
Maternity
Available as an optional cover
NA
Day care treatment
All day-care treatments are covered up to the sum insured
NA
Wellness benefits
NA
NA
Waiting period
NA
NA
Global coverage
NA
NA
Top selling plans
Optima Restore, Optima Secure
Health Infinity (More Time), Health Infinity (More Cover)
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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.