HDFC Ergo Health Health Insurance Company is a combined project of Apollo Hospitals and Munich Health. Apollo hospital is one of the Asia's largest integrated healthcare providers and Munich Health is the health business segment of Munich Re. In 2007 this joint venture started its operation. This insurance company aims to provide the best healthcare to the common man. The company has a wide range of products to meet the demands of the individual.
Insurance policy acts as a protecting source for the individual and the family in the case of an accident, health issues or death. Life is unpredictable and accident can happen anytime. So the accident can be a huge burden in terms of money for the family of the individual involved. Accidents cannot be protected but you can protect the future of your own self and loved ones by taking a policy. It will be a security for them. Most people opt for life insurance but this personal accident plan is a better option as it will cover minor and major injuries. To the more, the premium will be even less which will be an advantage for the insured.
For the Personal Accident Insurance, the company is available with two variants which customers can ask for.
HDFC Ergo Health is a renowned company and is certainly honoured a number of times for the quality service they offer. In the year 2011, the company was given the Remedy award by the Time ascent for its print media application for inviting application for a sales position. The same year HDFC Ergo Health bagged the E Business Leader award by Indian Insurance Review. This was given for demonstrating market leadership in sales generated through online medium. Moving forward in the year 2016 The Financial Inclusion Award was won by them by SKOCH Group as they were being rated in top fifty financial inclusion projects. The Effie award by AD Club Bombay was also won by the firm. The company was awarded as the Best Insurance Company by The Indian Insurance award in the year 2013. In the same year, Best Health Insurer Award was given by Outlook Monkey. In the year 2015, the HDFC Ergo Health won the Health Insurer Provider Award by Money Today and Financial Planning Corporation
HDFC Ergo Health provides with online service even. The process is simple as you just need to log in the website and do the needful. Payment can be done through credit or debit card. This is an easy process as no submission of original documents is required or medical checkup. You just need to attach the scanned copy. This is an easy process where with a click of the mouse you can take a new policy, renew it, cancel it and even file for the claim.
HDFC Ergo Health Personal Accident Plans offers wide coverage to the people. They offer minor and major injuries support. Even for the death of the person plan supports the nominee of the insured. They offer two plans which is Standard Plan and Premium Plan. Both provides with number of benefits such as Permanent Total Disability benefits, Permanent Partial Disability benefits, Ambulance Cover, Medical Expenses, Allowance for temporarily disabled person weekly. To the more policies hold great benefit of providing education benefit to the children. A minimum of two children are covered in it that to after a certain age. These plans even provide benefit of transportation of the worldly remains of the person. While choosing plan if you opt for a higher premium plan than benefits like surgery in case of fracture bones, modification of residence or vehicle in case of disability is also covered. Both the plans are eligible for the person from 90 days to 69 years of age.
The insurance plans by HDFC Ergo Health protect the insured and his family in case of minor or major injuries. Even during death, this policy helps you out provided it is through accident. There are many benefits of this plan. From Permanent Total Disablement or Permanent Partial Disablement, the benefit for both is offered by giving a lump sum amount. Even Accidental Death Benefit is given to the family of insured by paying the sum assured. Other benefits like Emergency Ambulance Cover, Transportation of worldly remains, education of children is also included.
The insurance plans by HDFC Ergo Health guards the insured and his family in case of minor or major injuries. Even during death, this policy helps the insured by paying the lump sum amount. These plans act as a financial security to the insured and his family during the accident. All the disability are covered under it. Other benefits like Emergency Ambulance Cover, Transportation of worldly remains, education of children is also included. Being a premium plan the transportation expenses of the imported medicine, the treatment or surgery of the Broken Bones, Modification of residence or vehicle due to disability is also covered.
Through Mandate auto renewal of the policy can be done
By logging in to the e-portal you can check the policy.
For renewing the policy log into the e-portal and follow the steps mentioned in it. For the third party insurance payment cannot be made online. To the more in grace period also you cannot make an online payment.
There are different types of claim settlement ways. For the cashless one, you need to choose the hospital which is on the panel of the company. Verification will be done by TPA for this. Once verified the payment will be made directly to the hospital. Another option is Reimbursement Plan. For this, you need to make payment to the hospital and then you need to submit a file along with all the documents to the insurance company. The claim will be settled within seven working days.
If there is no claim taken under the policy you can cancel it. The premium will be refunded as per the terms and condition of the policy. The cancellation is to be done in the Free look period of 15 days from receiving your policy kit. For the Free look cancellation medical checkup expenses, stamp duty charges and service charges incurred will be deducted by the company.
Last updated on 08-05-2020