Cholamandalam Health Insurance vs HDFC ERGO Health Insurance

Cholamandalam and HDFC ERGO offer a variety of medical insurance plans to individuals and families. They provide coverage for hospitalization, COVID-19, critical illnesses, day care procedures, ambulance charges, etc. While Cholamandalam offers cashless hospitalization at 12121 network hospitals, HDFC ERGO comes with 12725 network hospitals.

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      Cholamandalam Health Insurance
      Starting ₹607/month
      View plans
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      HDFC ERGO Health Insurance
      Starting ₹840/month
      View plans
      Average rating
      4.1/5 (34 Reviews)
      5/5 (3 Reviews)
      Number of health insurance plans and add-ons
      1 plans
      2 plans
      Sum insured
      Up to ₹25 Lakh
      Up to ₹2 Cr
      Network hospitals
      12121+
      12725+
      Claim ratio
      93.20%
      98.50%
      Preventive health check-up
      Free health checkup
      Not Covered
      Room rent limit
      Any category
      Any category
      Existing illness cover
      Covered after 3 years
      Covered after 3 years
      No claim bonus
      Not Covered
      Max
      Online discount
      OPD coverage
      Not Covered
      Available as an optional cover
      Maternity
      Not Covered
      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
      Not Covered
      Waiting period
      Covered after 3 years
      Discount on renewal
      Global coverage
      Top selling plans
      Flexi Health
      View plans
      View plans
      View complete comparison

      PS - The above plans and premiums are for ₹5 lakh Sum insured for 1 Adult of 21 Years for Delhi city.

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