Sehwag PX
HDFC ERGO Health Insurance
  • 9000+ Cashless Hospitals
  • Super Top-up in Existing Plans
  • Sum Assured Over 1 Crore
  • 24/7 Customer Care Support
  • Higher Claim Settlement Ratio

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HDFC ERGO Health Insurance

HDFC ERGO Health Insurance Company Ltd. is a joint venture between HDFC Ltd., India's premier Housing Finance Institution and ERGO International AG. HDFC ERGO is a 4th largest general insurance company in India.

The Company offers a wide range of insurance products starting from Motor insurance, Health insurance, Home insurance, Travel insurance, and Personal Accident insurance and much more.

ERGO International AG holds 49% stake while HDFC holds a 51% stake, making HDFC Ltd the major shareholder in the venture. HDFC ERGO Health Insurance has only one focus and that is providing the customers best, hassle-free and simple services.

HDFC Ergo health Insurance has 108 branches across 91 cities and 2,000 employees, and the HDFC ERGO Health insurance Company is currently expanding its network across India. The insurer also has a large distribution network with channels like brokers, corporate agents, retail, direct sales, and bancassurance which help the customers to reach the company more easily and offer broader connectivity.

Highlights of HDFC ERGO Health Insurance

RenewabilityLifelong
Incurred Claims Ratio74.36
Network Hospitals8600+
Waiting Period4 years
Grievances Solved100.00%

Why Go for HDFC ERGO Health Insurance?

Now a day, Good Health is like a boon. With the increase in pollution, change in our lifestyle, reliability on the processed and packed food, we do not even have time to look at our habits are directly challenging our health. After any health-related issue, we blame our self or different act of carelessness by others.

We try to change everything just after one illness incident. But, Rome was not built in a day. Same as the idiom, your health consciousness and self-awareness that arise just in one day cannot help you in taking your good health long way. There is a whole planning that is required for you to achieve the goal of healthy and planned medical care.

You may start drinking gallons of water daily, start eating healthy and fresh, hit the gym. But, there is a various disease which comes unannounced and is unavoidable. Much disease requires the latest technology and trained specialist for treatment. This all burn a big hole in the pocket of an individual.

The economic expense that arises due to medical care is so much high that at times, people even take a loan for the medical treatment. Then what to do? Health insurance is the best option to choose for economic safety, peaceful assistance, and guidance of best medical treatment. Health insurance not only gives peace to you but also to your family or loved ones, who have to take care of everything when you are ill. HDFC ERGO Health Insurance policy is the best answer to ensure security covers over policyholder.

  • HDFC Ergo has a trusted brand reputation which is trusted by millions of Indians. They have a customer base of over 75 lakhs and the brand has iAAA' rating by ICRA indicating its highest claim paying ability capability.
  • HDFC Ergo provides 24/7 customer support along with a completely hassle-free experience which is very important.
  • HDFC Ergo has a huge list of network hospitals that offer valuable facilities like cashless treatment to the policyholders- over 6000 across India.
  • HDFC ERGO Health insurance is flexible and designed in a customized way to give the best treatment to the policyholder.

Types of HDFC ERGO Health Insurance Plans

HDFC ERGO can be categorized in following few types from which policyholder can choose, as per requirement and coverage he/ she is looking for-

  • HDFC ERGO Individual Health Insurance
  • HDFC ERGO My Health Medisure Super Top-Up
  • HDFC ERGO Health Insurance for Family
  • HDFC ERGO Critical Illness Insurance
  • HDFC ERGO My Health Medisure Classic Insurance
  • HDFC ERGO Health Insurance for Senior Citizens
  • HDFC ERGO Health Insurance for parents

HDFC ERGO Individual Health Insurance

HDFC ERGO Individual Health Insurance

How will you take care of your loved ones if you are not healthy? In today's fast life everything depends on fast things like fast food, fast technology for success. In fear that we may be left behind, our life just revolves around rushing around without wasting time. In this rushing neither you nor I have time to look at the most important aspects of life, that is healthy living. HDFC Health Suraksha Insurance is the answer to the entire Individual health insurance problem.

Variants of Plan

  • Base plan: Health Suraksha base plan from HDFC ERGO has been designed by the medical inflation rate in mind. The plan provides needful support to deal with the growing medical bills. Some of the key highlights of the plan: no room rent sub-limits, no limit for age at entry, with an option to add maternity coverage & critical illness cover.
  • my: health Medisure Super Top-up: This plan comes into the picture when your basic health plan is not sufficient to deal with big medical emergencies. It provides the required additional assistance in the hour of need when your basic plan's limit meet some to an end. The plan ensures that you get the best cover without any restrictions and limitations.
  • my: health Medisure Classic Insurance: This plan is rightly designed for those who want maximum coverage. It effectively reduces the high financial burden. Other benefits include maternity coverage, pre-existing disease coverage post 3 years and no restriction on entry age.

Benefits and Features of the HDFC Health Suraksha Insurance

  • HDFC Health Suraksha Insurance is the best basic health Insurance for individuals. HDFC Health Suraksha Insurance offers the facility of maximum health coverage with the best medical treatment to the policyholder.
  • HDFC Health Suraksha Insurance covers the hospital room rent and also bears the boarding expenses of policyholder without any limitation of the disease.
  • HDFC Health Suraksha Insurance provides a full 60 days full pre-hospitalisation expenses cover. These expenses are like doctor consultant, check-ups, prescriptions and etc.
  • HDFC Health Suraksha Insurance offers 90 days post hospitalization expenses cover that incurred due to the doctor's consultation.
  • HDFC Health Suraksha Insurance offers daycare procedures coverage under which if the policyholder is admitted even for less than 24 hours, expenses are covered.
  • If the policyholder requires organ donation from someone then the organ harvesting expenses caused to the donor are also covered by HDFC Health Suraksha Insurance.
  • HDFC Health Suraksha Insurance policy pays all transportation expenses that are involved during the process of taking policyholder to the nearest hospital.
  • If the policyholder requires AYUSH treatment, in which treatment of Ayurvedic, Unani, Siddha, and Homeopathy medicines is required, it is also covered by HDFC Health Suraksha Insurance
  • One can avail various benefits in the lengthy tenure of the HDFC Health Suraksha Insurance. It also offers the Family Discount that is if more than two members of a family are covered in one policy on Individual Sum Insured basis, then you are eligible for a family discount.
Eligibility3 months to 55 years
Room rentNo Sub Limits
Day care procedures144+
Waiting period4 years
Renewabilitylifelong
Sum assured3 lac to 10 lacs

Exclusions of the HDFC Health Suraksha Insurance

  • Any injury that is caused due to any participation in Adventures activities that can give policyholder an adrenaline rush, and that may result in something hazardous is not covered under the HDFC Health Suraksha Insurance.
  • Any self imposed injury such as suicidal attempt, or any attempt to hurt self insane or insane condition is not covered under the HDFC Health Suraksha Insurance.
  • HDFC Health Suraksha Insurance policy does not cover any expense that occurs during the accidents that are caused due to wars, riots, or any other terrorist act.

HDFC ERGO My Health Medisure Super Top-Up

HDFC ERGO My Health Medisure Super Top-Up

Health insurance is the best way to secure the future of your loved ones from the fear of expenses that occur due to a medical emergency. But sometimes medical treatment is very expensive or the illness/sickness is not covered under the health insurance plan? Will you let the health of your family suffer just because of the skyrocketing prices of treatment and be helpless? No! HDFC ERGO my: Health Medisure Super Top-Up is the answer to such a situation. HDFC ERGO my: Health Medisure Super Top-Up ensures the cushion of ample cover to get the best of medical treatment without any restrictions and limitations.

Features and Benefits of HDFC ERGO my: Health Medisure Super Top-Up

  • HDFC ERGO my:Health Medisure Super Top-Up Policy covers in-patient hospitalisation expenses, day care procedures, domiciliary hospitalisation, hospitalisation due to an accident, maternity and newborn baby benefits, Ayurvedic treatments, and pre-existing diseases after the waiting period.
  • HDFC ERGO my:Health Medisure Super Top-Up insurance cover provides health cover to your parents, in-laws, niece, nephew, spouse and kids. Hence you can cover all your loved ones under one plan.
  • If policyholder Opt for a long-term policy of 2 years tenure then he/ she is eligible to avail a 5% discount on the premium amount paid for the HDFC ERGO my:Health Medisure Super Top-Up insurance Policy.
  • One requires no medical test if he/ she aims to buy the HDFC ERGO my: Health Medisure Super Top-Up before 55 years of age.
  • The best feature is the constant premium amount from the age of 61 years of the policyholder. HDFC ERGO my:Health Medisure Super Top-Up plan offer a constant premium amount benefit to the policyholder and he/ she can enjoy the best health care service even when he/ she is low with funds in old age.
  • HDFC ERGO my:Health Medisure Super Top-Up Policyholder gets a cover for both pre - hospitalisation and post- hospitalisation cover.
  • If you wish to cover a family of more than 2 members on individual Sum Insured basis, then you can avail a 10% discount.
  • With the advance technological treatment, there are some of the most advanced surgeries are now covered under day care which does not even require 24 hours of hospitalisation.
  • HDFC ERGO my:Health Medisure Super Top-Up Ensure the best of services for yourself and your family and get full coverage up to sum insured.

Eligibility of the HDFC ERGO my: Health Medisure Super Top-Up

The minimum eligibility to buy HDFC ERGO my:Health Medisure Super Top-Up insurance policy is 18 years for adults. While as for the maximum eligibility, one can stay covered for a lifetime. Any children from 3 months of age can get the policy cover if either of the parents is already covered under the insurance plan.

In patient HospitalisationYes
Family coverYes
Premiumconstant premium from age of 61 years
DiscountsAvailable for long term plan
PortabilityAvailable

Exclusions of the HDFC ERGO my: Health Medisure Super Top-Up

  • Pre existing diseases are only covered if the HDFC ERGO my:Health Medisure Super Top-Up insurance policy is renewed for consecutive 36 months of coverage.
  • Any self destructive act performed consciously or subconsciously such as suicidal attempt, consumption of illegal drugs which are not prescribed by any authorised doctor and any other act which causes loss or damage to the policyholder is not covered under the HDFC ERGO my: Health Medisure Super Top-Up Insurance Plan.

HDFC ERGO Health Insurance for Family

HDFC ERGO Health Insurance for Family

Family is a very important part of our life. Whatever you do, your actions roam around the wellbeing of your family, securing family members from any type of problem and unseen mishap. There is a time when no matter what is going around the world, but your family matters to you the most and you sacrifice everything for your loved ones. Any illness, disease that occur even one family member can result in an imbalance of everyone else's life. We try to be well prepared before staking the health, life and happiness of our family members due to any financial crunch at the time of medical emergency. HDFC Health Suraksha Insurance plan covers the family and ensures financial security during health problems.

Variants

  • Base plan: Under the HDFC Health Suraksha, there is no limitation on the parameters like room rent, minimum age of the policyholder and illness covered. It also offers ads on covers like the maternity cover plan for the policyholder.
  • My: health Medisure Super Top-up: My: health Medisure Super Top-up is very important as it offers cover to save the existing insurance policy with a broader aspect. This cover is all encompassing and provides health cover to your parents, in-laws, niece, nephew, spouse and kids under one umbrella.There is no medical check up required to age 55 years of the policyholder and after 61 years age, one has to pay the constant premium amount.
  • My: health Medisure Classic cover: My: health Medisure Classic cover offers maximum cover to the policyholder and family in a convenient and reliable manner. Anyone who is above 90 days can get a cover under the insurance policy. If in the case where the insured has exhausted the complete sum assured amount and need cover for accidental hospitalization, insurance company restores the cover to provide the hospitalization due to accident seamlessly to the policyholder.

Benefits and Features HDFC ERGO Health Insurance for Family

  • The company offers wider cover to meet all expenses occur during hospitalization.
  • This insurance policy also offers cover for newborn baby in the family. With my: health Medisure Classic health insurance policy, you can get up to Rs. 25,000 cover for Ayurvedic treatment annually to the policyholder.
  • Convalescence Benefit is there that means if hospitalisation exceeds 10 days, you will get a lumpsum amount to deal with household needs
  • E-opinion for Critical illness service is there. Underwhich you will get a chance to interact with a special panel of doctors and healthcare experts to seek advice on critical illness.
  • Pre & Post hospitalization cover is there to deal with expenses related to treatment that occurs before and after hospitalization such as consultation charges checkups,prescriptions and much more.
Day Care Procedures Covered
IN Patient Treatment Available
Maternity Cover Upto 15,000 for Normal and 25,000 for C-section delivery
Ayurvedic Treatment Upto Rs 25000

Exclusions

Any damage / loss that occurs due to participation in any adventurous sports like paragliding, skydiving etc is also not covered under my: health Medisure Classic health insurance plan.

Any type of treatment for sexually transmitted diseases such as HIV, AIDS and etc is also not covered under the My: health Medisure Classic health insurance cover.

HDFC ERGO Critical Illness Insurance

HDFC ERGO Critical Illness Insurance

Many critical illnesses are emerging as a great challenge to cure now a day. Week immunity system makes it more difficult to cope with such harmful illness and along with that high cost of treatment. New technology is introduced to treat various critical illnesses. This treatment is not at all cheap but quite expensive and a middle class man finds it very hard to maintain their daily life needs. Hence, HDFC Critical Illness Insurance becomes the need of the hour. It is designed in a specific manner that it assists the policyholder even during life-threatening diseases such as cancer, asthma, stroke, etc and enables the same from draining your hard earned savings.

Critical illness offers two different plans with a different area of coverage. You can choose as per your requirement -

Critical Illness Silver Plan - Critical Illness Silver Plan Pays a lump sum benefit upon diagnosis of any specified critical illness and it Provides coverage to following 8 specific illnesses with policy term 1 or 2 year-

  • Heart Attack
  • Stroke
  • Multiple Sclerosis
  • Cancer
  • Major Organ Transplantation
  • Coronary Artery Bypass Surgery
  • Paralysis
  • Kidney Failure

Eligibility for the Critical Illness Silver Plan

Anyone who is a minimum of 5 years old and a maximum of 65 years old can get the Critical Illness Silver Plan cover.

Critical Illness Platinum plan- The Critical Illness Platinum Plan provides comprehensive coverage to the policyholder for as many as 15 specified illnesses, such as -

  • Multiple Sclerosis
  • Heart Attack
  • Aorta Graft Surgery
  • Major Organ Transplantation
  • Stroke
  • Kidney Failure
  • Cancer
  • Parkinson's disease
  • Coronary Artery Bypass Surgery
  • Paralysis
  • End Stage Liver Disease
  • Primary Pulmonary Arterial Hypertension
  • Benign Brain Tumour
  • Parkinson's disease
  • Alzheimer's disease
  • Heart Valve Replacement

Eligibility for the Critical Illness Platinum Plan

Anyone who is a minimum of 5 years old and a maximum of 65 years old can get the Critical Illness Silver Plan cover.

Benefits and Features of The HDFC ERGO Critical Illness Insurance cover

  • The HDFC ERGO Critical Illness Insurance cover offer lump sum benefit to the policyholder post - diagnosis of critical illness.
  • The HDFC ERGO Critical Illness Insurance cover is a big umbrella that singles cover your whole family when it is raining cats and dogs of critical illness.
  • With HDFC ERGO Critical Illness Insurance, you can get the best treatment available that will get you up and running in no time without even worrying about money and expenses without burning a hole in the pocket of the policyholder at the network hospitals.
  • HDFC Critical Illness Insurance policy provides 15 days free look up period at the initial of the insurance policy.
  • No medical check up is required up to the age of 45 years of the policyholder.
Pre Medical Screening No Medical screening upto age of 45 years
Waiting period First 90 Days From Policy Inception
MaFree look up period15 days
RenewabilityLifelong
Claim Paymentlumpsum

Exclusions of the HDFC ERGO Critical Illness Insurance cover

  • HDFC ERGO Critical Illness Insurance does not cover any damage or injury accidents while the policyholder is participating in any defence (Army/Navy/Air Force) operations.
  • Any expense that arises due to any type of slimming treatment, obesity or cosmetic surgery is also not covered under the HDFC ERGO Critical Illness Insurance cover.

HDFC ERGO My Health Medisure Classic Insurance

HDFC ERGO My Health Medisure Classic Insurance

This plan is highly effective to increase the health insurance cover. If you own a basic health insurance policy and don't think that it will be sufficient in the hour of need this plan is for you. It will be like an additional cover to your basic health insurance policy and combinedly offer a wider protection.

Benefits & Features of my :health Medisure Classic Insurance

  • my :health Medisure Classic Insurance is very important as it offers cover to save the existing insurance policy with a broader aspect.This cover is all encompassing and provides health cover to your parents, in-laws, niece, nephew, spouse and kids under one umbrella.
  • There is no medical check up required to age 55 years of the policyholder and after 61 years age, one has to pay the constant premium amount.
  • My: health Medisure Classic cover offers maximum cover to the policyholder and family in a convenient and reliable manner.
  • Anyone who is above 90 days can get a cover under the insurance policy.
  • If in case of policyholder exhaust the entire sum insured and requires cover for accidental hospitalization, policy insurer restores the health cover to offer hospitalization due to accident seamlessly to the policyholder.
  • This insurance policy also offers cover for newborn baby in the family. With my: health Medisure Classic Family health insurance policy, you can get up to Rs. 25,000 cover for Ayurvedic treatment annually to the policyholder.
Discounts Available
Maternity coverYes
Dependent children Covered upto 23 years
Ayurvedic treatmentupto Rs 25000

Exclusions of the My: health Medisure Classic insurance

  • Any damage / loss that occurs due to participation in any adventurous sports like paragliding, skydiving etc is also not covered under my: health Medisure Classic health insurance plan.
  • Any type of treatment for sexually transmitted diseases such as HIV, AIDS and etc is also not covered under the My: health Medisure Classic health insurance cover.

HDFC ERGO Health Insurance for Senior Citizens

HDFC ERGO Health Insurance for Senior Citizens

Old age is a vulnerable age. Weak immunity system in old age makes the body prone to any disease. The different disease makes the body more weak and old age become more stressful. Most of the time, we do not prepare yourself for old age unexpected expenses such as unannounced medical treatment and etc. Medical treatment unbearable charges make destroy the peace of old age. It may not be possible due to the adverse situation that your children will come and help you. Then what can be done? HDFC ERGO Health Insurance for Senior Citizens is the answer for the cover of old age. HDFC ERGO Health Insurance for Senior Citizens take care of medical expenses that arise unplanned and make post retirement journey a little easier. HDFC ERGO Health Insurance for Senior Citizens helps the policyholder to deal with the health related risks more easily.

Benefits and Features of the HDFC ERGO Health Insurance for Senior Citizens

  • The Health Suraksha Insurance for old age is designed in a way to give maximum coverage to the Policyholder. Under this, the policyholder can choose the sum insured as per requirement and needs. This insurance also syncs with the technologically advanced healthcare.
  • 144 day care procedures (which do not require hospitalisation for more than 24 hours) are also covered.
  • The Health Suraksha Insurance also offer Ayush Benefit cover. Under which if different treatment like Ayurvedic, Unani, Sidha and Homeopathy are used to treat the patient then it is also covered.
  • Before a hospitalisation, there are some expenses associated with doctor consultations, check-ups, prescriptions, etc. It offers complete coverage to expenses.
  • A policyholder gets complete coverage to doctor consultations, rehabilitation charges etc.
Day care procedures 144+
Ayush benefitAvailable
Waiting period 48 months
Sum assured 3 TO 10 Lacs
Renewabilitylifetime

Exclusions of the HDFC ERGO Health Insurance for Senior Citizens

  • Any self destructive action like suicidal attempt knowingly or unknowingly is excluded from the insurance plan.
  • Any damage or loss that is caused due to any act of war, riots, and terrorism is excluded from the insurance cover.

HDFC ERGO Health Insurance for parents

HDFC ERGO Health Insurance for parents

If you believe in god, then you must be aware that there are different types of festivals in which we show our gratitude and love towards our god. Same as that, parents are the gods on Earth. Since our birth, they devote their lives to our well being. When we are able, it is our duty to look after our parents. HDFC ERGO Health Insurance for parents helps you to take care of your parents and their health even without hampering your savings.

There are many lifestyle diseases which cause many problems in the daily life of your parents, HDFC ERGO Health Insurance for parents cover it. Not only that, it also offers various add-on insurance plan option in case of inadequate insurance cover. HDFC ERGO Health Insurance for parents offer wellness benefits like the right kind of diet, fitness regime, nutrition, health related tips that assist policyholder. If in case your parents are senior citizens, then you get a tax benefit of Rs.50, 000 apart from the tax benefit on your insurance under the HDFC ERGO Health Insurance for parents.

One can choose from the following three plans

  • My: Health Medisure Super Top-up- it is an Affordable Base Plan With lifelong renewability; get this plan to enhance your already existing policy. Your Parents will get fixed premium from the age of 61 and there will be no requirement of medical tests.
  • Health Suraksha Insurance - Rising medical bills, hospitalisation charges and etc are this plan is designed in a manner that medical inflation is kept in mind. It offers maximum coverage to your parents with an uninterrupted medical treatment. It offers various inpatient benefits like no room rent sub-limits, no limit for age at entry, with an option to add maternity coverage & critical illness cover to your parent. Health Suraksha Insurance also offers Day care treatments for 144 days.
  • My: health Medisure Classic Insurance - This offer maximum cover in a minimum premium investment. With the: health Medisure Classic Insurance you can avail a 5 % discount on 2 years policy duration. You can also choose to secure 2 or more family members under the same plan. It also offers other benefits which include maternity coverage, pre-existing disease coverage post 3 years and no restriction on entry age.
Day care procedures144+
Ayush benefitAvailable
Waiting period 48 months
Sum assured 3 TO 10 Lacs
Renewabilitylifetime

Exclusions of HDFC ERGO Health Insurance for parents

  • Any treatment of obesity, cosmetic surgery or any weight loss programme is not covered under the HDFC ERGO Health Insurance policy for parents.
  • Any loss or damage that occurs due to any war, riots or terrorist activity is also not covered under the HDFC ERGO Health Insurance for parents
  • No insurance claim is entertained apart from the accidental claim before the first 30 days of the insurance policy.

Features and Benefits of HDFC ERGO Health Insurance

HDFC ERGO Health Insurance is the leading name of the health insurance sector. It gives the policyholder a belief and trust that no matter what happens to the health of policyholder, assistance will be provided. Following are the features and benefits of HDFC ERGO Health Insurance Policy-

  • HDFC health insurance has a tie-up with 9,000+ network hospitals across India which enables cashless health treatment to the policyholder.
  • No medical check up is required for the HDFC ERGO Health Insurance Policy up to 45 years age of the policyholder.
  • There are no sub-limits on any disease, room rent, hospital charges and doctor's fee for the policyholder.
  • The policyholder can avail the benefit of Cashless Treatment at the Network Hospitals.
  • The policyholder also enjoys the LifeLong Renewability benefit of the HDFC ERGO Health Insurance Policy.
  • The HDFC ERGO Health Insurance policy period of the plan can be of 1 year or 2 years, with the basic sum insured per year between Rs. 3 lakhs and Rs. 10 lakhs.
  • The HDFC ERGO Health Insurance Policy Company offers Value Added Services which enables the policyholder to enhance the sum insured in cases of claim free years.
  • Policyholder enjoys the tax exemption Benefit under section 80 D of the income tax department.
  • HDFC ERGO Health Insurance Policy Provides coverage for inpatient treatment which includes all the hospitalization expenses of the policyholder.
  • Along with pre-hospitalization and post-hospitalization expenses, other benefits such as day care procedures, costs incurred at home towards the treatment of the patient (domiciliary) and other such related expenditures to the policyholder.
  • HDFC ERGO Health Insurance Policy Provides Ayush Benefits i.e. inpatient hospitalization expenses undertaken under Ayurvedic, Siddha and Homeopathy are covered by the HDFC ERGO Health Insurance Policy plan.
  • HDFC ERGO Health Insurance Policy Provides reimbursement of pre-hospitalisation and posts hospitalization expenses for up to 60 days and 90 days, respectively for the policyholder.

HDFC ERGO Health Insurance Renewal

After buying a health insurance plan one find it a task to remember renew date of the insurance policy and renew it timely in order to continue the benefits. Hence in order to continue and avail many more benefits, it is important to renew your HDFC ERGO health insurance policy. It is very easy, hassle-free and simple to renew the HDFC ERGO health insurance policy online. One can renew the health insurance policy easily, by following the few steps-

  • Step 1: You have to Visit the official website of the HDFC ERGO health insurance.
  • Step 2: You will see an 'Instant Renewal' button, click on the same.
  • Step 3: You have to enter the pre-requisite details of your policy which include your name, policy number, and etc.
  • Step 4: This is a golden chance to add on different cover to your insurance policy if required. Hence look for some additional covers to improve your coverage to secure the assets.
  • Step 5: Fill in the necessary details, carefully. You will get to know the premium for renewal.
  • Step 6: Pay the required amount of premium by credit/ Debit card or net banking, as per your convenience and renew your HDFC ERGO health insurance policy.

Renewal Benefits

Policyholder get the cumulative bonus of 5% for every claim-free year up to a maximum of 50% pays up to 1% of the Sum Insured, maximum up to Rs. 5000 for a Health Check up after 4 consecutive claim-free years

Note: If you want to renew your HDFC ERGO health insurance policy instantly, you can also call on Customer Service No : 022 - 62346234 / 0120 - 62346234 (available in India only). The premium of renewal is calculated on the basis of policy coverage you choose and age of the policyholder. If in case your HDFC ERGO health insurance policy expires then you can renew your expired health policy within a term of 30 days from the date of expiry.

HDFC ERGO Health Insurance Claim Settlement

In case of hospitalization, intimation should be provided to the Company immediately and not later than 7 days In all other cases, the company must be informed of any event or occurrence that may give rise to a claim under this Policy at least 7 days prior to any consequent treatment, consultation or procedure being taken and the Company should pre-authorise such treatment, consultation or procedure. Any documentation and information requested to establish the circumstances of the claim, its quantum or the Company's liability for the claim, should be submitted within 15 days of our request or discharge from Hospital or completion of treatment, whichever is earlier.

Cashless Service: Seeking Pre-Authorization

  • The policyholder has to fill the pre-authorization form present at the hospital's insurance/ TPA Desk
  • Then Policyholder has to share the same through email or fax.
  • You will receive an approval letter from the claim management team. Claim Management team can cross questioning with you to recheck it.
  • In case of rejection, the policyholder can go for the reimbursement claim.
and

Reimbursement Claim: Claim Submission

  • The policyholder has to fill the required forms appropriately and submitted the same along with the required documents, according to the policy terms and conditions.
  • Necessary documents may include discharge summary, prescriptions, and bills, etc. as per the requirements of the insurance policy.
  • You will receive an approval letter by the claim management team.
  • In case of any rejection the reasons will be communicated by the team.

Documents Required for HDFC ERGO Health Insurance

Claim settlement process of HDFC ERGO Health Insurance Policies is quite simple and it requires some general documents like -

  • Duly filled Claim Form
  • Original documents associated with discharge
  • KYC details - ID, Age and Address Proof.
  • Original bills with a detailed breakup, original invoices with prescriptions and payment receipts.
  • NEFT details for payment: Cancelled cheque: KYC form along with a photocopy of any one KYC document (e.g. Adhaar card, passport, driving license, voter ID, etc.).

Review of HDFC ERGO Health Insurance

Whatever you choose for yourself and your loved ones, trust is the basic key to it. Trust is the strongest factor that redefines the relations of customer and insurer at HDFC ERGO. HDFC ERGO Health insurance consistently strives to make insurance easier, and affordable for the customer. HDFC ERGO Health Insurance plans offer comprehensive coverage at affordable premium prices to the policyholder and they have more than 5,000 network hospitals all over India. These hospitals Offer significant features like cashless hospitalization, the great number of health claim benefit and flexible payment modes, these health insurance plans are highly recommended and preferable by the young generation because of changing lifestyle and increasing disease. Without a good health insurance policy, expensive medical treatment charges may burn a hole in the pocket of the common man.

HDFC ERGO Health Insurance assists during the hour of need. Instant assistance is offered to the customer. HDFC ERGO Health Insurance provides 24x7 customer care to the policyholder and they have a dedicated claims approval team, which ensure to be a constant support in times of need. No doubt, Claims refers to be the most important stage of any health insurance policy. HDFC always try to offer a seamless process. HDFC ERGO online Health Insurance policy comes with less documentation and easy payment process. Your policy information straight-away comes in the inbox of the policyholder.

FAQs

Any expenses incurred for inpatient treatment taken under Ayurvedic, Unnani, Siddha or Homeopathy stream of medicine is covered under AYUSH benefits in HDFC ERGO Health Suraksha.

A health card is like a mini-policy document that helps you avail cashless treatment in the network hospitals. It also contains the contact details of the in-house claim service team and comes really handy in case of a medical emergency

It is very important to have a health insurance policy nowadays. HDFC ERGO health insurance plans provide comprehensive coverage to the insured and the family. The HDFC ERGO Health Insurance policy offers affordable health insurance plans with the cashless benefit at over 5000 hospitals all over India. Additional features are flexible payment options, pre and post hesitation, day care cover, enhanced NCB (No Claim Bonus), and so forth.

It is very simple to pay HDFC ERGO Health Insurance policy premium. Premium payments are accepted in the following three modes:

  • Auto-deduction from your bank account
  • In the form of cash or cheque deposit
  • Online payment by credit card, debit card or by net banking.

There is no maximum age limit for HDFC ERGO Health Insurance policy entry. While the minimum age to apply for the HDFC ERGO Health Insurance policy is 91 days.

HDFC ERGO offers a variety of health insurance plans which are designed specifically for individuals, families, and senior citizens. They also offer top-up insurance plans and critical illness insurance plans. There are 3 categories of plans which include Health Suraksha, my: health Medisure, and Critical Illness.

Following are the three basic benefits of the health insurance policy-

  • It offers Reimbursement of medical expenses including pre and post-hospitalisation costs during the policy term to the policyholder.
  • Cashless hospitalisation in a network hospital of the insurer is offered to the policyholder.
  • Tax benefits on premiums paid towards health insurance under Section 80D of the Income Tax Act, 1961.

For your HDFC ERGO Health Insurance policy Insurance premium can be made via online payment mode or cash payment mode.

Cash payment can be made at the nearest HDFC ERGO branch office. Online payment can be made through the insurer's website using net banking, debit card or credit card.

Following are the general document required for buying HDFC ERGO Health Insurance Policies-

  • KYC Documents and 1 passport size photograph
  • Medical records and the latest health report
  • Application form

HDFC ERGO go beyond health insurance, it care for not only the body as well as mind of the policyholder. My: health services application will help you embrace a healthy lifestyle. Get your health care, track your calorie intake, monitor your physical activity and enjoy well-being at its best.

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Last updated on 12-11-2019