HDFC ERGO Health vs IFFCO Tokio Health Insurance

Compare HDFC ERGO Health vs IFFCO Tokio Health Insurance Plans
Plan Type
Health
Coverage type
Coverage State
Coverage City
Coverage amount
Date of birth
  OR age    years
Policy duration
Gender
Start date
End date
* Name, Email Id & Mobile No. are required 
HDFC ERGO Health IFFCO Tokio
Claims Settlement Ratio** 89.50% 102.43%
Number of Lives Covered* 51,16,000 22,015,000
Network Hospitals 10,000 + 5,000 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
HDFC ERGO Health Premium HDFC ERGO Health Optima Restore HDFC ERGO Health Arogya sanjeevani IFFCO Tokio IFFCO Tokio IFFCO Tokio IFFCO Tokio
Easy Health Optima Restore Arogya Sanjeevani Family Health Protector Swasthya Kavacha Policy Individual Medishield Policy Swasthya Raksha Bima
In-patient Treatment
Covered up to sum insured Covered Covered
Individual Health Protector: Covered.
Family Health Protector: Covered.
Not covered Not covered Not covered
Room Rent
Covered Covered Up to 2% of the sum insured subject to maximum of Rs.5,000 per day
Individual Health Protector: Covered up to sum insured.
Family Health Protector: Covered up to sum insured.
Base plan: 1.0% of the sum insured.
Wider plan: 1.5% of basic sum insured.
Covered up to a specified limit. Normal Room expenses: 1% of the Sum Insured per day
ICU Charges
Covered Covered Up to 5% of the sum insured subject to maximum of Rs.10,000 per day
Individual Health Protector: Covered up to sum insured.
Family Health Protector: Covered up to sum insured
Base plan: 2.0% of the sum insured.
Wider plan: 2.5% of the sum insured.
Covered up to a specified limit. Sub limit per day for ICU : 2.0% of the Sum Insured per day.
Pre-hospitalization
Covered up to 60 Days Covered up to 60 Days 30 days before the date of admission to the hospital
Individual Health Protector: Up to 45 days.
Family Health Protector: Up to 45 days.
30 days before hospitalization Covered Up to 60 days Covered Up to 30 days
Post-hospitalization
Covered up to 90 Days Covered up to 180 Days 60 days after discharge from the hospital
Individual Health Protector: Up to 60 days.
Family Health Protector: Up to 60 days.
30 days after hospitalization Covered Up to 60 days Covered Up to 30 days
Day Care Procedures
Covered All day care treatments covered All day care treatments covered
Individual Health Protector: Covered
Family Health Protector: Covered
Not covered Up to 121 day care surgeries covered. Defined day care surgeries.
Domiciliary Treatment
Covered Covered upto sum insured Not Covered
Individual Health Protector: up to 20% of the sum insured are covered
Family Health Protector: up to 20% of the sum insured are covered
Maximum sub-limit of 20% of the basic sum insured. Maximum sub-limit of 20% of the basic sum insured. Covered up to a max sub-limit of 20% of sum insured.
Emergency Ambulance
Up to Rs.2,000 per hospitalisation Up to Rs.2,000 per hospitalisation Up to Rs.2,000 per hospitalisation
Individual Health Protector: 1% of sum insured or Rs. 2500, whichever is less.
Family Health Protector: 0.75% of sum insured or Rs. 2500, whichever is less.
Base plan: Rs.750 or actual, whichever is less for each claim.
Wider plan: Rs.1500 or actual, whichever is less .
1% of sum insured up to a maximum of Rs.1500. Maximum to Rs.750 for each admissible claim.
Dental Treatment
Individual - Standard & Exclusive: Not Covered
Platinum (4 lakhs to 10 lakhs): Up to 1 % of Sum insured subject to a maximum of Rs.5,000
Platinum (15 to 50 Lakhs): Up to 1 % of Sum insured subject to a maximum of Rs.7,500
Family - Standard & Exclusive: Not Covered
Platinum (4 to 10 Lakhs): Up to 1 % of Sum insured subject to a maximum of Rs.5,000
Platinum (15 to 50 Lakhs): Up to 1 % of Sum insured subject to a maximum of Rs.10,000
(waiting period : 3 years)
Not Covered Dental treatment, necessitated due to disease or injury
Individual Health Protector: Not covered
Family Health Protector: Not covered
Covered Not covered Not covered
Bariatric Surgery
Not Covered Not Covered Not Covered
Individual Health Protector: Not covered
Family Health Protector: Not covered
Not covered Not covered Not covered
Ayush Benefit
Standard: Up to Rs.20,000
Exclusive & Platinum (3 to 10 Lakhs): Up to Rs.25,000
Exclusive & Platinum (15 to 50 Lakhs): Up to Rs.50,000
Not Covered Covered
Individual Health Protector: Covered
Family Health Protector: Covered
Not covered Not covered Not covered
Maternity Benefits
Standard: Not Covered
Exclusive & Platinum (3 to 10 Lakhs): Normal Delivery Rs.15,000, Caesarean Delivery Rs.25,000
Exclusive & Platinum (15 to 50 Lakhs): Normal Delivery Rs.30,000, Caesarean Delivery Rs.50,000
(Waiting Period:4 Years)
Not Covered Not Covered
Individual Health Protector: Not covered
Family Health Protector: Not covered
Not covered Not covered Not covered
New Born baby cover
Standard: Not Covered
Exclusive & Platinum: Additional Benefit on payment of additional premium
Not Covered Not Covered
Individual Health Protector: Not covered
Family Health Protector: Not covered
Not covered Not covered Not covered
Daily Cash for Accompanying an Insured Child
Standard : Not Covered
Exclusive & Platinum (3 to 5 Lakhs): Rs.300 per day, maximum Rs.9,000
Exclusive & Platinum (7.5 to 10 Lakhs): Rs.500 per day, maximum Rs.15,000
Exclusive & Platinum (15 to 50 Lakhs): Rs.800 per day, maximum Rs.24,000
Not Covered Not Covered Not covered Not covered Daily cash allowance of 1% of sum insured up to a maximum of Rs.250 is available in this plan. Not covered
Organ Donor Expenses
Covered Covered up to sum insured Not Covered
Individual Health Protector: Covered
Family Health Protector: Covered
Covered This plan offers coverage for medical expenses up to sum insured, on harvesting organ from the donor, for the insured. Actual within the overall limit of Sum Insured
Vaccination (In case of post bite treatment)
Not Covered Not Covered Not Covered
Individual Health Protector: Up to 10% of total premium paid at end of block of 2 continuous, claim free policies.
Family Health Protector: Up to 7.5% of total premium paid at end of block of 2 continuous, claim free policies.
Not covered Not covered Not covered
Health Check-up
Standard: Every 4 years 1% of sum insured, up to Rs.5,000, irrespective of claim
Exclusive: Every 3 years 1% of sum insured, up to Rs.5,000, irrespective of claim
Platinum: Every 2 years 1% of sum insured, up to Rs.5,000, irrespective of claim
Individual - 3 Lakhs: Not Covered
5 Lakhs: Up to Rs.1,500
10 Lakhs: Up to Rs.2,000
15 Lakhs: Up to Rs.4,000
20 to 50 Lakhs: Up to Rs.5,000
Family - 3 Lakhs: Not covered
5 Lakhs: Up to Rs.2,500
10 Lakhs: Up to Rs.5,000
15 Lakhs: Up to Rs.8,000
20 to 50 Lakhs : Up to Rs.10,000
Covered
Individual Health Protector: 1% of basic sum insured at end of block of 4 continuous, claim free policies.
Family Health Protector: Up to 1% of basic sum insured at end of block of 4 continuous, claim free policies.
Not Available This plan offers health check-up benefit equal to 1% of sum insured once every 4 continuous claim free years. Covered
Hospital daily allowance
Standard: Rs.500 per day, maximum Rs.3,000
Exclusive & Platinum (3 to 5 Lakhs): Rs.500 per day, maximum Rs.3,000
Exclusive & Platinum (7.5 to 10 Lakhs): Rs.800 per day, maximum Rs.4,800
Exclusive & Platinum (15 to 50 Lakhs): Rs.1,000 per day, maximum Rs.6,000
(Choosing shared accommodation)
3 to 15 Lakhs: Rs.800 per day, maximum Rs.4,800
20 to 50 Lakhs: Rs.1,000 per day, maximum Rs.6,000
(Choosing shared accommodation)
Not Covered
Individual Health Protector: 0.20% of sum insured.
Family Health Protector: 0.15% of sum insured, subject to a maximum of Rs. 1,000.
Base plan: Rs.150 per day
Wider plan: Rs.250 per day
Covered up to a maximum Rs. 250 per day during hospitalization. Rs.150 per day of Hospitalization.
Co-pay
NIL Co-pay under this plan NIL Co-pay under this plan 5% Co-pay applicable on all claims
Individual Health Protector: Not covered
Family Health Protector: Not covered
Not covered This plan does not have co-pay option. However, for packaged treatments, a sub limit equal to 80% of the sum insured is applicable. 35% Co-pay if the insured person undergoes medical treatment in Zone A Cities/Towns
Pre-existing diseases coverage
Covered after a waiting period of 3 years Covered after a waiting period of 3 years Covered after a waiting period of 4 years
Individual Health Protector: Not covered
Family Health Protector: Not covered
Pre-existing diseases covered after 4 years of continuous coverage with us. Any pre-existing disease for a period of 3 years is not covered. Covered after 4 years of continuous coverage.
Restore Benefit
NIL Restoration Benefit under this plan Up to 100% of Base Sum Insured per year NIL Restoration benefit
Individual Health Protector: Not covered
Family Health Protector: Not covered
Not covered Not covered Not covered
General waiting period
30 days 30 days 30 days 30 days Not covered Not covered Not covered
Renewal Benefit / Cumulative Bonus
10% on base sum insured for every claim free year and up to 100% 50% for every claim free year up to 100% of basic sum insured 5% for every claim free year up to 50% of sum insured
Individual Health Protector: 5% of sum insured, maximum of 50% for claim free policy.
Family Health Protector: 5% of sum insured, maximum of 50% for claim free policy.
Base plan: N/A
Wider plan: Increase by 5% of basic sum insured at each renewal, maximum of 50% of basic sum insured
5% is offered for each claim free year at renewals. It is subject to a maximum 50% of the basic sum insured. In case, a claim is made, the bonus gets reduced by 10% at next renewal.
Not covered
Emergency Air Ambulance
Standard: Not Covered
Exclusive & Platinum (3 to 10 lakhs): Not Covered
Exclusive & Platinum (15 to 50 Lakhs): Up to Rs.2.5 lakhs per hopsitalisation
3 to 5 Lakhs: Not Covered
10 to 50 Lakhs: Covered up to Rs.2.5 lakhs per hospitalization and maximum up to sum insured in an year
Not Covered
Individual Health Protector: Not covered
Family Health Protector: Not covered
Not covered Not covered Not covered
Available sum insured options
Individual - Standard Plan: Rs.1 to 15 Lakhs
Exclusive Plan: Rs.3 to 50 Lakhs
Platinum Plan: Rs.4 to 50 Lakhs
Family - Standard Plan: Rs.2 to 15 Lakhs
Exclusive Plan: Rs.3 to 50 Lakhs
Platinum Plan: Rs.4 to 50 Lakhs
Individual: Rs.50,000 to 10 Lakhs
Floater: Rs.2 to 10 Lakhs
Rs.1 to 5 Lakhs
Individual Health Protector: Rs.50,000 to Rs.20 Lakh.
Family Health Protector: Rs.1.5 Lakh to Rs.30 Lakh
Rs.2 Lakh to Rs.5 Lakh in multiples of Rs.1 Lakh. Rs.50, 000 to Rs.5,00,000. Rs.1 Lakh to Rs.5 Lakh in multiples of Rs.1 Lakh.
Policy can be purchased for
1/2 years 1/2 years 1 year -- -- 1 years 1 years
Eligibility criteria
5 years onwards, Dependent children between 91 days to 5 years can be covered only if both parents are covered under the policy 5 years onwards, Dependent children between 91 days to 5 years can be covered only if both parents are covered under the policy Adults from 18 to 65 years (dependents 91 days to 17 years)
Individual Health Protector: 18 years and 65 years
dependent kids from the age of 91 days.
Family Health Protector: 18 and 65 years
Dependent kids are insured from Day 1
18 years to 65 years
dependent children above 3 months.
The policy offers coverage for persons between the ages of 3 months to 80 years.
18 years to 65 years
dependent children above 3 months.
Renewability
Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life
Claims loading
Loading Loading No Loading No Loading No Loading No Loading No Loading
Portablity(At the time of renewal)
Yes Yes Yes Yes Yes Yes Yes
Tax Benefits Limit
Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D
Health Insurance Priority

India health insurance blogs and articles

Tips for buying best mediclaim insurance

India health insurance tips and tricks to choose the best medical insurance in India Click here to read more

Top reasons for health insurance claims rejection

Find out the different reasons why a medical insurance claim is rejected, Cashless hospitalization, Reimbursement. Click here to read more

India health insurance coverage, factors and premium calculator

Factors for medical insurance in India, How much is the premium and the coverage offered by India health insurance plans..Click here to read more

India health insurance useful links

How to buy online?

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque

Know more »

Health insurance benefits

Insurance customers can quickly compare the details of benefits offered under Indian mediclaim insurance policies.

Know more »

Compare health plans

Compare Indian health insurance policies, Health insurance India comparison

Know more »

Portability

Portability Information for Mediclaim Insurance in India

Know more »

India health insurance Blogs

Health Insurance Blogs - Information on health or medical insurance coverage in India.

Know more »

Health insurance FAQ

FAQ related to Indian health insurance. Get answers for any health insurance questions

Know more »

EIndia Health Insurance Partners

  • Tata Aig
  • bajaj-allianz
  • reliance
  • cholamandalam
  • religare health Insurance
  • apollo
  • Star Health
  • max bupa
  • future generali
  • go digit
  • hdfc ergo
  • cigna ttk
  • universal sompo
  • SBI
  • iffco tokio
  • Cigna TTK
  • Aditya Birla
  • Raheja QBE
  • New India Logo
  • Oriental Logo
  • bharti axa health Insurance Plans
  • kotak

Indian Health Insurance Resources

-

ONLINE CHAT

CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025