HDFC ERGO Health Insurance Renewal
  • Renew your HDFC Health Insurance
  • Avail Continuous coverage
  • Explore the benefits of renewing
premium

Network hospitals

12000+

premium

Incurred claim ratio

79.04%

premium

Sum insured

Up to 2 CR

premium

No. of Plans

11

premium

Solvency Ratio

1.7

premium

Pan India Presence

200+

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

12000+

premium

Incurred claim ratio

79.04%

premium

Sum insured

Up to 2 CR

premium

No. of Plans

11

premium

Solvency Ratio

1.7

premium

Pan India Presence

200+

Hdfc ERGO Health Insurance Renewal

HDFC ERGO Health Insurance is a joint venture between HDFC Ltd and ERGO International AG, the primary insurance entity of the Munich Re Group of Germany. It has a network of more than 200 branches in more than 170 cities PAN India. The company is also committed to delivering customized insurance solutions for the Property, Marine, and Liability insurance requirements of its corporate customers.

HDFC ERGO Health Insurance Renewal is an easy process through which the insured can pay the pending premium of its health insurance for the next policy term before the policy expires.

Let's discuss the HDFC ERGO renewal in detail.

Health Insurance Renewal Companies

Benefits of HDFC ERGO Health Insurance Renewal

HDFC ERGO policy renewal offers you the following benefits:

  • Continued coverage against medical expenses.
  • Portability benefit.
  • Flexibility to add or remove family members.
  • Increase or decrease the sum insured amount of the policy.
  • Tax benefits under Section 80D of the Income Tax Act, 1961.

What Happens If You Do Not Renew Your HDFC ERGO Health Policy on Time?

Sometimes you forget to pay your HDFC ERGO health insurance premium on time. In such cases, the following situations can arise:

  • You will not receive the benefits like No Claim Bonus, Lower Premium, etc.
  • You will not get any coverage benefits once the policy lapses.
  • After each renewal of the policy, the waiting period will be shortened. Only after a waiting time, the pre-existing disease will be covered. If you do not renew your health insurance, the waiting period will restart from the beginning.
  • You will have to purchase a new health insurance policy and go through the entire document verification process again.
  • Insurer can ask you to undergo the pre-medical test again to buy a new health insurance plan.

HDFC ERGO Health Insurance Grace Period

HDFC ERGO Health Insurance offers a 30 day grace period to pay the pending health insurance premium with easy payment methods so that you do not lose your health insurance coverage benefits or policy lapsing. 

As per IRDAI, it is mandatory for every health insurance company to offer a grace period of 15 or 30 days to its customers.

How To Avoid HDFC ERGO Health Insurance Policy Lapsation?

  • Always check the push notification from the insurance company.
  • Avail the facility of reminders through e-mail or SMS.
  • Pay using Auto Debit.
  • Get in touch with your policy relationship manager.
  • Always update your contact details at your company's online portal.

HDFC ERGO Online Renewal

Insured should renew their HDFC ERGO Health policy before its expiry date. The policy can be renewed in a number of ways such as, through the official website of HDFC ERGO Health Insurance or at a HDFC ERGO Health Insurance branch near you.

Below mentioned are the steps to renew your HDFC Ergo Health Insurance Policy through their official website:

  • Visit the official website of the HDFC ERGO Health Insurance and click on 'Renew' from the top bar menu.
  • Fill in all the required information like policy number, date of birth, and registered mobile number.
  • Click on 'Lets Renew' button.
  • The next page will show you the payment amount that you need to pay.
  • Once the payment is done, the policy documents will be sent to your registered Email ID.

For any further queries, you can call on 022-6234-6234| 0120-6234-6234.

Important Things to Remember While Renewing HDFC Health Insurance Policy

Renewal of HDFC ERGO Health Insurance is simple. Some significant things to keep in mind when renewing your policy are as follows:

  • Renew your policy before the policy expiry date.
  • Keep track of the policy expiry date.
  • Claims filed between the policy's expiry date and its renewal will not be entertained.
  • Always re-evaluate your needs and requirements before renewing the policy.

Conclusion

Always remember to renew your health insurance policy on time or within the grace period to continuously avail the health insurance policy benefits. You will be financially secure if you pay your premiums on time, and insurers will allow you a grace period if you miss the premium due date. However, if you miss the grace period as well, the policy will lapse and it can be troublesome in case of a medical emergency.

Health Insurance Companies

What Our Customers Have to Say

Customer Review Image

Achintya Sharma

Ranchi

May 10, 2024

I’ve been covered by HDFC ERGO Platinum Health Guard plan for years now, and it has been a lifesaver. The coverage is extensive, and the claim process is so easy. I highly recommend the p...

Customer Review Image

Parag Mehta

Jamshedpur

May 10, 2024

I’m impressed with the assistance of the ManipalCigna Prime Senior Insurance policy that I’ve bought for my father. I don’t fear now being a NRI because I’m assured of h...

Customer Review Image

Anshul Garg

Vishakapatnam

May 10, 2024

The ManipalCigna LIfestyle Protection Critical Care Policy has coverage for up to 30 critical illnesses with a sum insured of up to 25 Crores. If you’re searching for a policy like this, ...

Customer Review Image

Shivalika Varghese

Delhi

May 10, 2024

If you are searching a health insurance like ManipalCigna ProHealth choose that offers straightforward claim assistance and the flexibility to optimize your coverage, go for it.

Customer Review Image

Pratibha Chandrakar

Kolkata

May 10, 2024

I was majorly focused on pre and post-hospitalization expenses coverage and found the best health coverage for these with the ManipalCigna ProHealth insurance policy.

Customer Review Image

Kanupriya Ghadge

Nagpur

May 10, 2024

For anyone who’s looking for a comprehensive health insurance policy, I would recommend buying the ManipalCigna ProHealth Prime insurance plan as it provides maximum coverage.

Customer Review Image

Neelam Sharma

Bengaluru

May 10, 2024

Star health has been my health insurer for more than 2 years and I am happy. Thanks to PolicyX for suggesting me Star Health

Customer Review Image

Adi Kukreja

Jalandhar

May 10, 2024

My wife fell ill and was diagnosed with jaundice, due to which she had to be hospitalised for a week. But Star’s Family Health Optima Insurance Plan helped me pay the bill and PolicyX mad...

Naval Goel

Reviewed By: Naval Goel

Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.