Published on: July 17, 2025 at 16:04
HDFC ERGO Health Insurance Premium Chart: The premium chart provides official, age-wise premium breakdowns for different coverage levels like ₹3 L, ₹5 L, ₹10 L, up to ₹1 Cr. For example, Tier‑1 cities (Mumbai, Delhi, Bengaluru), a 42-year-old would pay approximately ₹14,350 for ₹5 L Optima Restore plan. Tier‑2 city rates are significantly lower—around ₹6,400 for the same plan .
💰 HDFC ERGO Health Insurance Premium Chart: Key Factors Influencing Premiums
Premiums vary based on multiple variables:
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Age: Older individuals pay higher premiums due to increased health risk .
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Sum Insured: Higher coverage equals a higher premium.
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Location: Urban (Tier 1) areas cost more than Tier 2–3 cities
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Policy Type: Floater vs individual, inclusion of add-ons like critical illness or restore benefits
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Add-ons & Riders: Options like unlimited restore or critical illness riders increase premium by percentages (e.g., 0.5%) .
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Pre-existing conditions: May attract loading or delay.
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Policy Tenure: Longer policies often come with discounts.
Also Read: Affordable Plans for Every Family’s Needs!
🛠️ HDFC ERGO Health Insurance Premium Chart: How to Use the Premium Calculator
Get HDFC ERGO Health Insurance — Calculate Your Health Insurance Premium Instantly & Get Great Benefits On Health Plans. Cumulative Bonus, Flexible Payment Options & Cashless Claims. Buy Health Plan Now!
Use HDFC ERGO’s official premium calculator tool to tailor your quote. It considers your age, city, sum insured, and number insured, then shows plan comparisons easily . Policybazaar and InsuranceDekho offer similar tools with UI enhancements
HDFC ERGO Health Insurance Premium Chart: Sample Premium Rates
Benefits of Health Insurance Policy by HDFC ERGO ; Renewal Benefit, Free Health Check-up within 60 Days of Renewal ; Claim Settlement Rate, 2 Claims/Minute
Tier‑1 Cities (e.g., Mumbai, Delhi)
| Age | ₹3 L | ₹5 L | ₹10 L |
|---|---|---|---|
| 42 | ~₹12,650 | ~₹14,350 | ~₹16,350 |
| 46 | ~₹16,250 | ~₹17,400 | ~₹20,700 |
Tier‑2 Cities (e.g., Pune, Jaipur)
| Age | ₹3 L | ₹5 L | ₹10 L |
|---|---|---|---|
| 0–10 | ₹5,300–6,300 | ₹6,400–7,400 | ₹7,100–8,100 |
| 44 | ₹10,200 | ₹11,300 | ₹14,050 |
| 54 | ₹18,550 | ₹20,250 | ₹25,800 |
Rates reflect a 55 % family floater discount for additional members over the main insured.
HDFC ERGO Health Insurance Premium Chart: Tips to Optimize Your Premium
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Choose Tier-2 cities if possible—up to 60 % cheaper premiums.
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Use family floater plans—second member gets ~55 % off premium .
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Select long-term policies (2–3 years) for renewal discounts .
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Skip unnecessary add-ons—only choose what you need.
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Start early—young and healthy entry wards off future premium hikes.
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Monitor annual premium trends—renew at the right time
HDFC ERGO Health Insurance Premium Chart: Why Choose HDFC ERGO ?
HDFC ERGO are committed to making your life easier with our services. To ensure you get the right support we ensure seamless settlement of claims by settling one claim every minute*. Our range of health insurance plans has brought smiles to 1.4 crore happy customers, with the numbers growing daily. With our my:Optima Secure plan, you get 4X coverage at no extra cost. Additionally, our health insurance policies come with various benefits including cashless hospitalization, tax savings under Section 80D of the Income Tax Act, and a no-claim bonus. So, take a step towards securing the future of your loved ones by prioritizing their health and well-being
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Digital-first experience: AI tools and chatbots help quotes and purchases within minutes .
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Large cashless network: 15,000+ hospitals, 24×7 support
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Restore & multiplier benefits: Covers reinstatement of claims and bonus cover on renewal .
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Customer-rated: 4.4/5 and over 22K reviews
The HDFC ERGO premium chart gives clarity on expected insurance costs across age bands, sums insured, and city tiers—empowering smarter policy selection. Use the calculator tools, apply discounts wisely, and review annually to balance coverage with cost-effectiveness. Let me know if you’d like a downloadable premium table, calculator widget, or comparison infographic to boost engagement
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About the Author
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