HDFC Ergo Health Insurance Premium Payment
An insurance premium is a payment that you pay a company in order to have an insurance policy. In layman's language, we can say that we pay insurance companies an amount to cover our risk. The size of the premium is determined by the coverage and the time interval of the premium payment you opted for along with factors such as your age, lifestyle habits, income and much more.
HDFC ERGO Insurance Premium Payment
HDFC Ergo is a futuristic company that has designed the premium payment process as such that it is less time taking and easy. The premium payment can be done even with the comfort of counting thumbs. HDFC Health Insurance Premium Payment must be done on time to continue the benefits such as no claim bonus, discounts, health checkups etc. The company has given an option for yearly premium payment or in other words, the policy can be renewed annually.
Health Insurance Premium Payment Companies
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HDFC Ergo Online Premium Payment Process
HDFC Ergo Health Insurance Company has drafted an effortless online premium payment process. You can pay the premium through various payment options such as net banking, card payments or bill payment applications. Let us go through the process step by step.
Step 1 Go to the HDFC official website, then click on the ‘Insurance’ tab.
Step 2 Select HDFC Life.
Step 3 Click on the ‘Renew Policies’ option.
Step 4 Enter Policy no. and DOB.
Step 5 Proceed to pay through your preferred mode.
Explore HDFC Health Insurance
HDFC ERGO Health Insurance Network Hospital List
HDFC Ergo entails a wide network of cashless Hospitals that impact millions of lives PAN India. A well connected network of over 13,000+ cashless hospitals, HDFC Ergo ensures that you are medically secured, irrespective of the city you reside in.
HDFC Ergo Offline Premium Payment
- You can renew your HDFC Ergo Health Insurance Policy offline by calling and sharing all the essential information with Health Insurance experts on the company’s toll-free number.
- Policyholders can even visit the nearest branch of HDFC Health Insurance, submit all the policy details to get the renewal of the policy and make the payment.
Explore other HDFC Ergo Health Plans
HDFC Ergo Health Insurance offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.
Comprehensive
Get 4X coverage* without any extra cost under this comprehensive health plan for individuals and families.
Unique Features
- No room rent capping
- 100% SI restoration
- E-opinion for 51 illnesses
Optima Secure Policy (Pros)
- Secure Benefit
- Plus Benefit
- Automatic Restore Benefit
- No room capping
- Covid - 19 Cover
Optima Secure Policy (Cons)
- Adventure Sports Injuries
- Injuries Out of War
- Death due to breach of law
- Congenital Diseases
- Alcoholism
Optima Secure Policy (Other Benefits)
- Day Care Treatments
- Road Ambulance Cover
- Air Ambulance Cover
- E-opinion
- Organ Donor Cover
Optima Secure Policy (Eligibility Criteria)
- Entry Age - 91 Days
- Max Entry Age - No Age Limit
- SI - 5 L to 2 Cr
- Waiting Period - 30 Days
Comprehensive
Provides comprehensive medical coverage to individuals and families with different budgets by offering SI options ranging from 5 Lakhs to 50 Lakhs.
Unique Features
- Free health checkup
- 2X multiplier benefit
- 100% SI restoration
Optima Restore Policy (Pros)
- Daily Hospital Cash
- Ambulance Cover
- Modern Treatment
- Lifetime Renewal
- Pre and Post Hospitalization
Optima Restore Policy (Cons)
- No Dental Cover
- No Maternity Cover
- No Non-Allopathic treatment
- Pre-Existing Diseases after 3 yrs
- Alcoholism not covered
Optima Restore Policy (Other Benefits)
- Sum Insured Enhancement
- Tax Benefit
- E-Opinion
- 10% Family Discount
- 7.5% discount on 2 years premiums
Optima Restore Policy (Eligibility Criteria)
- Entry Age - 91 Days
- Max Entry Age - 65 years
- SI - 3 L to 50 L
- Waiting Period - 30 Days
Flexible
Offers 360 degrees protection to you and your family with multiple SI options of 3 to 75 Lakhs. Comes with EMI and lifelong entry option.
Unique Features
- Fitness discounts during renewal
- Room rent capping and co-pay
- Loyalty discounts
my:health Suraksha (Pros)
- Renewal Benefit
- Wellness Benefit
- Premium Payment Options
- Reduced Premium Benefit
- 1,2,3 Years policy Period Option
my:health Suraksha (Cons)
- No Return Transportation Cost
- Suicidal Injuries
- No Non-Allopathic treatment
- Adventure Sports Injuries
- Alcoholism
my:health Suraksha (Other Benefits)
- Pregnancy Complications Covered
- Newborn Complications Covered
- Loss of Job Covered
- Post Diagnosis Support
- 41 Critical Illness Covered
my:health Suraksha (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 3 L to 75 L
- Waiting Period - 30 Days
Comprehensive
An individual and family health plan providing SI of up to 1 crore to prepare you to meet constantly increasing medical inflation.
Unique Features
- Free preventive health checkup
- Multiple wellness services
- Up to 10% of fitness discount
Koti Suraksha Plan (Pros)
- Renewal Benefit
- Wellness Benefit
- Premium Payment Options
- Reduced Premium Benefit
- 1,2,3 Years policy Period Option
Koti Suraksha Plan (Cons)
- Infertility Treatment
- No Unproven Treatments
- No Dietary Supplements
- No Maternity Treatments
- No Cosmetic Surgery
Koti Suraksha Plan (Other Benefits)
- 5% Non-Medical Expense Covered
- Emergency Worldwide Coverage
- Aggregate Deductible
- Overseas Treatment
- Sum Insurance Rebound
Koti Suraksha Plan (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 1 L to 5 Cr
- Waiting Period - 30 Days
Disease-specific plan
Designed especially for people with pre-existing diabetes or hypertension. Get coverage for diabetes and hypertension from Day 1 without any waiting period.
Unique Features
- Stay fit & earn reward points
- 100% SI restoration
- Health coach & wellness programs
Energy Diabetes Policy (Pros)
- In- Patient Hospitalization
- No Waiting Period for Diabetes
- Restore Benefit
- Cumulative Bonus
- Pre and Post Hospitalization
Energy Diabetes Policy (Cons)
- 2 Year Waiting Period
- Abuse of Intoxicant Not Covered
- War Operations Injury
- Sexsually Tranmitted Diseases
- Pregnancy Not Covered
Energy Diabetes Policy (Other Benefits)
- Monthly Newsletter
- Organ Donor Benefit
- Earn Rewards for Staying Healthy
- 25% Discount On Renewal
- 2 Variant Options(Silver,Gold)
Energy Diabetes Policy (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 2 L to 50 L
- Waiting Period - 2 Years
Disease-specific plan
Covers all types of cancer at all stages with lifelong renewability option. If diagnosed with IV stage cancer or relapse, this plan pays 100% of SI as a lump sum.
Unique Features
- Coverage for modern treatments
- Second opinions available
- Coverage for follow-up care
- Ambulance Cover
- Follow up care post treatment
- Conventional Treatments
- Hormonal Treatment
- Stem Cell Transplantation
- No Non Allopathic treatments
- No Prosthetic Devices
- No Overseas Treatments
- Pre-existing condition for Cancer
HDFC iCan Cancer (Other Benefits)
- Sum Insured Enhancement
- CritiCare Benefit
- Family Care Benefit
- Lifetime Renewal
- MyCare Benefit
HDFC iCan Cancer (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 5 L to 50 L
- Waiting Period - 120 Days
Critical Illness
An ideal health plan for people with a pre-existing critical illness or a family history of critical illnesses. Get comprehensive coverage for 15 critical illnesses.
Unique Features
- One-time lump sum payment
- No medical checkup up to 45 years
- Lifelong renewability
Critical Illness Policy (Pros)
- In- Patient Hospitalization
- High Cover at Low Premium
- 1 or 2 Year Policy Period
- End Stage Liver Failure
- No Cover ceasing age
Critical Illness Policy (Cons)
- 10 Lakh Fine on Wrong Claim
- Tuberculosis Not Covered
- PED after 48 months
- Kaposi's sarcoma Not Covered
- Lymphomas in brain Not Covered
Critical Illness Policy (Other Benefits)
- 3 Variants (Silver, Gold, Platinum)
- Two Year Policy Period
- Guaranteed Renewal for Life
- Loading on Renewal
- Individual and Floater SI Options
Critical Illness Policy (Eligibility Criteria)
- Entry Age - 5 Years
- Max Entry Age - 65 Years
- SI - 1 L to 50 L
- Waiting Period - 90 Days
Bonus-oriented health plan
A flexible and comprehensive health plan, securing your today & tomorrow. With 'Reserve Benefit' features, this plan grows unused policy amount @6% interest rate.*
Unique Features
- Automatic SI restoration
- Multiplier benefit
- Free preventive health checkup
Wallet Family Floater (Pros)
- Reserve Benefit
- 100 % Restore Benefit
- Recovery Benefit
- 50% Increase On SI on Renewal
- World Wide Coverage
Wallet Family Floater (Cons)
- External Congenital diseases
- Drugs Treatments
- Miscarraige Not Covered
- Deductibles (Optional)
- No Cosmetic Surgery
Wallet Family Floater (Other Benefits)
- Ambulance Cover
- 5 Year Policy Cover
- Portability
- 30 Days Grace Period
- Sum Insured Enhancement
Wallet Family Floater (Eligibility Criteria)
- Entry Age - 91 Days
- Max Entry Age - 65 Years
- SI - 3 L to 50 L
- Waiting Period - 30 Days
Top-Up
Avail of extra cover to meet medical expenses without any limitations by purchasing this deductible-based top-up plan.
Unique Features
- Constant premiums post 61 years
- No medical checkup up to 55 years
- 5% discount on 2-year policy term
My:health Medisure Super Top-up (Pros)
- In- Patient Hospitalization
- High Cover at Low Premium
- Post 61 Year No Premium Hike
- Day Care Procedure
- Pre and Post Hospitalization
My:health Medisure Super Top-up (Cons)
- Treatment Of Obesity
- Self Inflicted Injury
- War Operations Injury
- Sexsually Tranmitted Diseases
- No Cosmetic Surgery
My:health Medisure Super Top-up (Other Benefits)
- Free Look Period
- Two Year Policy Period
- Guaranteed Renewal for Life
- Loading on Renewal
- Individual and Floater Options
My:health Medisure Super Top-up (Eligibility Criteria)
- Entry Age - 18 years
- Max Entry Age - 65 Years
- SI - 1 L to 10 L
- Waiting Period - 30 Days
Women-oriented health
Women-oriented health plan providing comprehensive medical insurance with major illnesses cover, and cancer cover all under a single plan but different variants.
Unique Features
- Maternity complications
- SI options from 3L - 1 Cr
- Free preventive health checkup
My:health Women Suraksha (Pros)
- AYUSH Benefit
- Alternative Treatment
- Organ Donor Benefit
- Domiciliary Hospitalization
- Pre and Post Hospitalization
My:health Women Suraksha (Cons)
- Adventure Sports Injuries
- No Sexsually Transmitted diseases
- No Cosmetic Surgery
- Alcoholism issues not covered
- No Self Inflicted Injuries
My:health Women Suraksha (Other Benefits)
- Parent and Child care Cover
- Child Care Benefit
- Vaccination
- Air Ambulance
- Health Coach
My:health Women Suraksha (Eligibility Criteria)
- Entry Age - 18 years
- Max Entry Age - Lifetime Entry
- SI - 1 L to 1 Cr
- Waiting Period - 30 Days
