HDFC ERGO vs Cholamandalam Health Insurance

Compare HDFC ERGO vs Cholamandalam

Plan Type
Health
Coverage type
Coverage State
Coverage City
Date of birth
  OR age    years
Coverage amount
Gender
* Name, Email Id & Mobile No. are required 
Hdfc ergo Hdfc ergo Hdfc ergo Cholamandalam Healthline Cholamandalam FlexiHealth Cholamandalam Arogya Sanjeevani
Health Suraksha
Gold Smart
Platinum Smart
Healthline
Value
Freedom
Enrich
Privilege
Flexi Health
Arogya Sanjeevani
In-patient Treatment
Covered Covered Covered Covered Covered Covered
Room Rent
At Actual capping on room rent Up to 2% of the sum insured subject to maximum of Rs.5,000 per day.
Single occupancy AC room is allowed for all Sum Insured except for Rs. 1 Lakh / 2Lakhs. For Rs. 1 Lakh / 2Lakhs Sum Insured the maximum room rent allowed is Rs.1,500 and Rs.3,000 per day respectively.
NIL Room Rent restrictions Covered
ICU Charges
At Actuals Covered Up to 5% of sum insured subject to maximum of Rs.10,000 per day Covered Not Covered Not Covered
Pre-hospitalization
60 days before the date of admission to the hospital 60 days before the date of admission to the hospital 30 days before the date of admission to the hospital
Value Healthline: 30 days before the date of admission to the hospital
Freedom, Enrich, Privilege Healthline: 60 days before the date of admission to the hospital
30 days 30 days
Post-hospitalization
180 days after discharge from the hospital 180 days after discharge from the hospital 60 days after discharge from the hospital
Value Healthline: 60 days before the date of admission to the hospital
Freedom, Enrich, Privilege Healthline: 90 days before the date of admission to the hospital
60 days 60 days
Day Care Procedures
Covered Covered Covered Covered Covered All day care procedures covered
Domiciliary Treatment
Covered Covered Covered Covered (Maximum 7 days) Covered Covered
Emergency Ambulance
Silver Smart: Rs.2,000
Gold Smart: Rs.3,500
Platinum Smart: Sum insured 20 to 50 lakhs: Rs.3,500;
Sum insured 50 & 75 lakhs : Rs.15,000
Covered Maximum of Rs.2,000 per hospitalisation
Value Healthline: Rs.1,000 per hospitalisation
Freedom & Enrich Healthline: Rs.2,000 per hospitalisation
Privilege Healthline: Rs.5,000 per hospitalisation
Up to 1% of SI subject to a maximum of `2,000/- per hospitalisation Maximum of Rs. 2000 per hospitalisation
Dental Treatment
Not Covered Not Covered Dental treatment, necessitated due to disease or injury
Value,Freedom & Enrich Healthline: Not Covered
Privilege Healthline: Rs.10,000 every 2 Years
(Additional benefit)
Not Covered Covered
Bariatric Surgery
Not Covered Not Covered Not Covered Not Covered Not Covered Not Covered
Ayush Benefit
Covered Covered
Expenses incurred for inpatient care treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy
Covered Covered Ayurveda, Yoga & Naturopathy, Unani, Siddha and Homeopathy
Maternity Benefits
Covered(Optional)
(Waiting period : 3 years)
Not Covered Not Covered
Value,Freedom & Enrich Healthline: Not Covered
Privilege Healthline: Up to Rs.1 Lakh Per delivery (Up to 2 deliveries, after 3 consecutive renewals)
Not Covered Covered
New Born baby cover
Up to parent care sum insured(Optional) Not Covered Not Covered
Value,Freedom & Enrich Healthline: Not Covered
Privilege Healthline: Covered up to Sum Insured of Mother / Floater Sum Insured
Coverage from day one subject to mother being covered under the policy for 12 months continuously from policy commencement date Not Covered
Organ Donor Expenses
Covered Covered Not Covered Covered Covered Not Covered
Vaccination (In case of post bite treatment)
Not Covered Not Covered Not Covered Not Covered Covered Not Covered
Health Check-up
Covered
1% of Sum Insured after every 4 consecutive and continuous claim free years with us (Subject to a maximum up to Rs.5,000)
Not Covered
Value Healthline: Not Covered
Freedom Healthline: Once after 3 claim free years
Enrich & Privilege Healthline: Once after 2 claim free years
1% of Sum Insured after every 4 consecutive and continuous claim free years with us (Subject to a maximum up to Rs.5,000)
Not Covered
Hospital daily allowance
Covered up to Sum Insured Covered up to Sum Insured Not Covered
Value Healthline& Freedom Healthline: Not Covered
Enrich & Privilege Healthline: Rs.10,000 (Minimum 10 days Hospitalization)
(Additional benefit)
Covered up to Sum Insured Not Covered
Daily Cash for Accompanying an Insured Child
Not Covered Not Covered Not Covered
Value Healthline& Freedom Healthline: Not Covered
Enrich Healthline : Rs 500 per day for 7 days
Privilege Healthline: Not Covered
(Additional benefit)
Not Covered Not Covered
Co-pay
Silver Smart: No co-pay for all treatment, Optional Co pay available between 10%/20%;
Gold Smart : No co-pay for all treatment, Optional Co pay available between 15%/25%;
Platinum Smart: No co-pay for all treatment, Optional Co pay available between 15%/25%
NIL / co-pay applicable upto 20% for treatment in higher class cities 5% co-pay on all claims
Value Healthline: 10% on all claims
Freedom, Enrich, Privilege Healthline: Not Covered
(for age above 55years)
NIL / co-pay applicable upto 20% for treatment in higher class cities 5% co-pay on all claims
Pre-existing diseases coverage
Pre-existing diseases covered after 3 years of continuous coverage Pre-existing diseases covered after 4 years of continuous coverage Pre-existing diseases covered after 4 years of continuous coverage Pre-existing diseases covered after 4 years of continuous coverage Pre-existing diseases covered after 4 years of continuous coverage Pre-existing diseases covered after 4 years of continuous coverage
Restore Benefit
Sum Insured Rebound upto 100% of Sum Insured per year Not Covered Not Covered Not Covered Not Covered Not Covered
General waiting period
30 days 30 days 30 days 30 days 30 days 30 days
Renewal Benefit / Cumulative Bonus
Silver Smart & Gold Smart: 10% on base sum insured for every claim free year and up to 100%;
Platinum Smart: 25% on base sum insured for every claim free year and up to 200%
5% on base sum insured for every claim free year and up to 50% 5% on base sum insured for every claim free year and up to 50%
Value Healthline: 5% of sum insured every claim free year subject to maximum of 25% of sum Insured
Freedom Healthline: 5% of sum insured every claim free year subject to maximum of 50% of sum Insured
Enrich Healthline: 50% of sum insured every claim free year subject to maximum of 100% of sum Insured
Privilege Healthline: 5% of sum insured every claim free year subject to maximum of 50% of sum Insured
5% on base sum insured for every claim free year and up to 50% 5% on base sum insured for every claim free year and up to 50%
Emergency Air Ambulance
Silver Smart:Not Covered;
Gold Smart: Up to 2 lakhs;
Platinum Smart : Up to 5 lakhs.
Not Covered Not Covered Not Covered Not Covered Not Covered
Available sum insured options
Silver Smart: Rs.3 to 5 Lakhs
Gold Smart: Rs.7.5 to 15 Lakhs
Platinum Smart: Rs.20 to 75 Lakhs
Rs.3 to 50 Lakhs Rs.1 to 5 Lakhs
Value Healthline: Rs.1 to 10 Lakhs
Freedom Healthline: Rs.2 to 15 Lakhs
Enrich Healthline: Rs.3 to 25 Lakhs
Privilege Healthline: Rs.5 to 25 Lakhs
Rs.3 to 50 Lakhs Rs.1 to 5 Lakhs
Policy can be purchased for
1/2/3 Years 1/2/3 Years 1 Year 1/2/3 years 1/2/3 Years 1 Year
Eligibility criteria
Adults from 18 Years to lifetime entry (dependents 91 days to 25 years) Adults from 18 Years to lifetime entry (dependents 91 days to 25 years) Adults from 18 to 65 years (dependents 91 days to 25 years).If the child above 18 years of age is financially independent, he or she shall be ineligible for coverage in the subsequent renewals Adults from 18 to 65 years (dependents 90 days to 26 years) Adults from 18 Years to lifetime entry (dependents 91 days to 25 years) Adults from 18 to 65 years (dependents 91 days to 25 years).If the child above 18 years of age is financially independent, he or she shall be ineligible for coverage in the subsequent renewals
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
Claims loading
Loading Loading No Loading No Loading Loading No Loading
Portablity(At the time of renewal)
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
Useful Links
HDFC Ergo Cholamandalam
Claims Settlement Ratio ** 62.73% 73.87%
Number of Lives Covered * 27,48,000 27,48,000
Network Hospitals 6,000 + 6,000 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025