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HDFC ERGO Health Insurance is the second-largest private insurance provider in India. It offers a diverse range of tailor-made insurance plans that cater to the requirements of people from different walks of life.
With the inflation rate of 5% and the sudden surge in the expenses of health-related treatment after three years of the pandemic, people are undoubtedly aware of getting health insurance plans.
If you’re holding health insurance, it surely assures you at the time of a sudden health crisis and eliminates any sort of financial burden. Apart from financial benefits, there are several additional benefits of purchasing an HDFC ERGO health insurance policy. In this article, we’ll discuss the other benefits of HDFC ERGO health insurance.
There are countless options for health insurance plans, but HDFC ERGO is among the popular health insurance policy providers. Whether you’re an academic student, wage worker, salaried man, pensioner, businessman, or working in other professions, you can still attain additional benefits of an HDFC ERGO health insurance policy. It also offers wider coverage options, including cashless hospitalization at 13,000+ network hospitals, daycare treatments, no-room rent restrictions, AYUSH Treatment cover, etc.
There are some additional benefits offered by insurance providers, let’s have a look at them:
One of the general perks of HDFC ERGO health insurance is that in addition to covering your treatment and medical expenses, this plan will also pay for the rent of your hospital room. Please note that your health insurance plan also determines your desired hospital room. However, HDFC ERGO health insurance plans do not have a room rent sub-limit.
Saving taxes for policyholders is an essential feature of the HDFC ERGO health plans. According to tax benefits under section 80D of the Income Tax Act of 1961, you’re eligible for a limited tax break on premiums paid for your health insurance policy. The maximum annual deductible for health insurance premiums paid for yourself, your spouse, and your dependent children is INR 25, 000 if you’re under 60. For those above 60, the tax-deductible sum is INR 50,000. Additionally, you’re qualified for a tax deduction of up to INR 50,000 if any of your dependent parents are seniors and an additional INR 25,000 per year if they’re not.
HDFC ERGO understands the best cure for medical complications is to stop them from becoming severe. Therefore, the insurer offers the benefit of annual health check-ups with the insurance plan. Policyholders can attain free health check-up benefits and assess their health condition without paying for the check-up costs. However, this proactive strategy enables policyholders to identify potential health issues early, which results in prompt interventions and improves overall health.
One of the most essential features of HDFC ERGO health insurance is its simple and quick claim settlement process. Any cashless or reimbursement option can be used to settle claims when purchasing HDFC ERGO health insurance. In recent years, the company’s claim settlement ratio, or CSR, has increased, which is quite encouraging. However, the Insurance Regulatory and Development Authority of India (IRDAI) and the HDFC ERGO official website allow you to view the CSR data. With a very effective claim settlement process, HDFC ERGO claims to settle 1 claim each minute. The company resolved 99.49% of claims in the financial year 2021-22 within three months, and only 0.2% took longer.
As we know, additional expenses will be associated when it comes to medical emergencies and treatment. As a policyholder, you wish to get coverage for the costs related to medical emergencies under your policy. Therefore, one of the main advantages of the HDFC ERGO health insurance plan is that it offers more comprehensive pre & post-hospitalization coverage. The insurer provides wider coverage, including 180 days for post-hospitalization expenses for investigations, therapies, or consultation fees, and 60 days for pre-hospitalization costs.
To appreciate a healthy lifestyle, HDFC ERGO offers no claim bonus perks for every claim-free year. Policyholders who do not make any claims throughout the year will get a cumulative no-claim bonus of 5% on the sum insured for every claim-free year. It is an ideal way to motivate people to live a healthy lifestyle and reduce the need for medical interventions. For instance, buying an HDFC ERGO Health Suraksha plan allows policyholders to earn a cumulative no-claim bonus of 5% on the sum insured annually.
The insurer offers its prospective or existing policyholders health plans with lifelong renewability. However, lifetime renewability is a clause in a health insurance policy. It allows policyholders to renew their healthcare plan to keep it valid and save them from the hassle of re-qualifying for a new health insurance policy every few years.
HDFC ERGO Health Insurance is well-known for its customer support system, provides assistance round the clock, and is always ready to provide professional assistance. The team of dedicated customer representatives is always pleased to assist and cater to customer queries, grievances, and needs efficiently. Whether you need assistance with the claim process, renewal, buying process, or any other relevant inquiry.
You can choose the best coverage if you’re aware of the advantages of health insurance. Plans from HDFC ERGO provide extensive coverage to customers and ease the burden during medical crises. Without concern about medical expenses, you can attain the best care at a reputable hospital. The insurance provider offers several benefits associated with health plans such as free health checkups, tax benefits under section 80D, cashless treatment, no claim bonus, Etc.
HDFC ERGO Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, HDFC ERGO Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
To cater to the different medical needs of an individual & their family, HDFC ERGO Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to HDFC ERGO Health Insurance plans explore more:
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Individual and Family Health Insurance
The Arogya Sanjeevani Policy from HDFC ERGO is a basic plan designed for individual or family floater coverage. It provides you with the precise medic...
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Individual and Family Health Insurance
Are you sceptical about finding the best health insurance plan that protects you and your family under one roof? Read further to learn about the exclu...
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Individual and Family Health Insurance
HDFC ERGO My:Optima Secure health insurance plan offers value that you might require in future to fight against medical discrepancies. Providing you a...
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Accidental deaths or injuries can be devastating, it can attack your physical, emotional, mental, and financial status to ruin your happy life moment...
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Critical Illness Health Insurance
iCan Cancer Insurance is a cancer-specific plan offered by HDFC Health Insurance Company. The plan covers medical expenses incurred during the treatme...
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Individual and Family Health Insurance
HDFC ERGO Health Suraksha Plan is a comprehensive plan from the house of HDFC ERGO Insurance Company that aims at providing 360-degree protection agai...
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Individual
HDFC ERGO Health Insurance offers an Energy Diabetes plan which is ideal for those who are suffering from diabetes Type 1, diabetes mellitus Type...
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Individual and Family Health Insurance
HDFC ERGO Health Insurance's Health Wallet plan by HDFC ERGO Health Insurance is a comprehensive health insurance plan that not only ensures your heal...
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Top Up and Super Top Up
HDFC Ergo super top-up plan is the best option by HDFC Ergo to ensure a cushion of ample cover to get the best medical treatment without any restricti...
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Individual and Family Health Insurance
HDFC ERGO Koti Suraksha is a health insurance plan that provides a sum insured of up to INR 1 crore. Koti Suraksha Plan by the HDFC ERGO Insurance Com...
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Individual and Family Health Insurance
HDFC ERGO Optima Restore Policy is the best-selling plan of HDFC ERGO since its launch. It offers comprehensive health cover to you and your fami...
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Based on the recent update, the HDFC ERGO health insurance claim settlement ratio is 98.49%.
It covers the critical illnesses policyholders have to serve a waiting period of 90 days.
The insurer covers pre & post-hospitalization expenses for up to 60 days, such as X-ray, CT scan, MRI, ultrasound, medicines, and other diagnostic needs.
HDFC ERGO health insurer covers up to 15 critical illnesses.
HDFC ERGO health plan does not cover treatment for alcholoism, drug, or any sort of addictive condition.
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