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 .