Hdfc Ergo Health Policy Cancellation
  • How to Cancel Policy?
  • Free-look Cancellation
  • Points To Consider Before Cancelling
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Network hospitals

12000+

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Incurred claim ratio

79.04%

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Sum insured

Up to 2 CR

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No. of Plans

11

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Solvency Ratio

1.7

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Pan India Presence

200+

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Network hospitals

12000+

premium

Incurred claim ratio

79.04%

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Sum insured

Up to 2 CR

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No. of Plans

11

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Solvency Ratio

1.7

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Pan India Presence

200+

A guide to HDFC ERGO Health Insurance cancellation

Are you sure you don't need medical coverage? As you've landed on this page to learn about HDFC ERGO health insurance cancellation.

Although it's not considered a good sign to lose the medical coverage that you've got with a health insurance policy. However, consumer rights in India allow you to continue or discontinue a service according to your needs. The same applies to the health insurance policy, you can cancel it anytime if it's no longer needed.

Also, you must have come across the phrase ‘everything comes with a price', the same works with a policy. If you cancel your HDFC ERGO health insurance, you'll get your paid premium refunded, but there will be some deductions over the same. This page discusses how to cancel your HDFC ERGO health insurance policy, the impact of cancelling in the free-look period, contact details of HDFC ERGO customer care, and more.

HDFC ERGO health policy cancellation in the free look period

If you (the policyholder) decide to cancel a health insurance policy under HDFC ERGO within the specified free-look period, the company is entitled to give you a full refund. Exceptionally, if the insurance has turned any expenditure for medical check-ups at the time of issuing the policy, there will be a deduction of the amount.

What if I cancel my policy after the free look period?

On cancelling your health insurance policy after the free-look period, there is surely a chance of losing out on a specific refundable percentage. If you cancel your policy within 1 month to an exceeding period of more than 6 months, you are entitled to get a refund on the premium at a rate of approximately 90% to NIL, respectively.

However, it's a matter of fact that the refund percentage is variable according to the type of policy you've bought and its terms and conditions that you should learn about before policy issuance.

How to cancel HDFC ERGO Health Insurance Policy?

The steps for HDFC ERGO health insurance cancellation are simplified below:

  • Step 1: Decide and inform your insurer about cancelling the policy at least 15 days before initiating a cancellation in written format.
  • Step 2: Reach out to the customer care executives of the company with the following details:
    Toll-free number (for new policy) 022 6242 6242
    Contact number for policyholders 022 6234 6234 / 0120 6234 6234
    WhatsApp number 8169 500 500
    Customer support Email ID care@hdfcergo.com
    Chatbot ‘DIA’ - the automated texting portal
    Registered Office 1st Floor, HDFC House, 
    165-166 Backbay Reclamation, 
    H. T. Parekh Marg, Churchgate, 
    Mumbai – 400 020
    Customer Service Address D-301, 3rd Floor, 
    Eastern Business District (Magnet Mall), 
    LBS Marg, Bhandup (West), 
    Mumbai - 400 078
  • Step 3: Once you get a confirmation on review of the policy from your customer care advisor of the company, you need to submit the requested documents. Complete all the formalities like filling out the cancellation forms, submitting the reason for HDFC ERGO health insurance cancellation, etc.
  • Step 4: Upon verification of the facts submitted by you, the company will initiate the cancellation process further and confirm the same to you.

Things to consider before HDFC ERGO health insurance cancellation

Ask yourself these questions before you decide to cancel your health insurance policy:

  • Will I be able to manage all the medical expenses related to an emergency on my own?
  • Do I have another health insurance policy to cover my health and financial needs in a medical discrepancy?
  • Have I found a better health insurance plan within my financial range?
  • Do I have enough resources to manage the healthcare requirements of my family members/dependents?
  • If I have enough money to cover all the medical needs, do I still need this insurance?
  • The free-look period of my health policy has already passed, am I ready to bear the deductions on my refundable premiums?

Summing Up

HDFC ERGO health insurance cancellation has now become easy, all thanks to the customer support of the company. However, if you still need any help with your policy's cancellation, reach out to the advisors of PolicyX.com at 1800 4200 269 to get more information on how to cancel HDFC ERGO health policy.

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HDFC ERGO Health Policy Cancellation: FAQs

1. When should I cancel my HDFC ERGO health insurance?

You can cancel your health insurance policy of HDFC ERGO within the free-look period to not lose out on a refundable amount.

2. Can I cancel my HDFC ERGO health policy online?

Yes. You can visit the official website of the company and log in to your account, then click on the ‘cancel policy' button to initiate policy cancellation.

3. What is the free-look period of HDFC ERGO health insurance?

Generally, the free-look period of HDFC ERGO is 15 days, but it may depend on your policy's terms and conditions.

4. Do I get my money back for cancelling my HDFC health policy?

The refundable amount percentage is dependable on the rate of return according to a specified time limit, that is if you are cancelling after the free-look period.

5. What will I get in return for cancelling my HDFC ERGO health insurance?

You will get a refund of the premiums paid for that policy year minus deductions on stamp duty expenses, proportionate risks of the premiums, and medical examination expenses before policy issuance.

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I was looking for the best health insurance policy. PolicyX came up and eased up my whole task. They suggested HDFC ERGO Optima Secure, it is the best decision ever.

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PolicyX was a great resource when I was shopping for health insurance. Got to know a few insights about the company I hold a policy with, HDFC ERGO.

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Buying HDFC ERGO Health Insurance with the help of PolicyX was the best purchase of my life. Thank you so much team for helping me out.

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I am so glad that I got my first Health Insurance policy with the help of PolicyX. I am secure now after getting the HDFC ERGO Health Insurance Plan.

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Simran Nirala

Written By: Simran Nirala

Simran has an experience of 3 years in insurance content writing. She transitioned from hospitality to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner she keeps her audience hooked and solves their doubts smoothly.

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