HDFC ERGO Health Insurance

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      Overview of HDFC ERGO Health Insurance

      HDFC ERGO Health Insurance plans are offered by HDFC ERGO General Insurance Company Limited. The Company was founded as a joint venture between India’s HDFC Ltd. and Germany-based ERGO International AG in 2002. These health insurance plans offer comprehensive medical coverage to individuals, families and women at competitive prices.

      Customized plans to cover critical illness, COVID-19 and dengue are also available. Moreover, they also offer unique benefits like the Value Buy benefit that enables policyholders to get a discount of up to 50% on opting for a voluntary deductible.

      Moreover, the HDFC ERGO General Insurance Company has a fast and efficient claim process that settles cashless claims within 2 hours. In fact, the insurer enjoyed an incurred claim ratio of 97.47% in the year 2021-22.

       

      Choose HDFC ERGO Health Insurance Coverage of Your Choice

      ₹5Lakh
      HDFC ERGO Health Insurance
      ₹10Lakh
      HDFC ERGO Health Insurance
      ₹20Lakh
      HDFC ERGO Health Insurance
      ₹50Lakh
      HDFC ERGO Health Insurance
      ₹1Crore
      HDFC ERGO Health Insurance
      ₹2Crore
      HDFC ERGO Health Insurance

      HDFC ERGO Health Insurance Plans

      The HDFC ERGO General Insurance Company offers a wide range of health insurance plans to individuals and families. Take a look at the various HDFC ERGO health insurance plans available in the market:

      For individuals
      Min. Age
      91 days
      Max. Age
      65 Years
      Min. Coverage
      ₹ 50 Lakh
      Max. Coverage
      ₹ 1 crore
      For individuals
      Min. Age
      91 days
      Max. Age
      65 Years
      Min. Coverage
      ₹ 5 Lakh
      Max. Coverage
      ₹ 2 Crore
      For critical illness
      Min. Age
      5 Years
      Max. Age
      65 Years
      Min. Coverage
      ₹ 1 lakh
      Max. Coverage
      ₹ 50 lakh
      For OPD
      Min. Age
      91 days
      Max. Age
      65 years
      Min. Coverage
      ₹ 5000
      Max. Coverage
      ₹ 8000
      Min. Age
      91 days
      Max. Age
      65 Years
      Min. Coverage
      ₹ 50000
      Max. Coverage
      ₹ 1 lakh
      For diabetes & hypertension
      Min. Age
      18 Years
      Max. Age
      65 years
      Min. Coverage
      ₹ 2 lakh
      Max. Coverage
      ₹ 50 lakh
      Min. Age
      91 days
      Max. Age
      65 Years
      Min. Coverage
      ₹ 1 lakh
      Max. Coverage
      ₹ 50 lakh
      For individuals
      Min. Age
      91 days
      Max. Age
      65 years
      Min. Coverage
      ₹ 3 Lakh
      Max. Coverage
      ₹ 50 Lakh
      Min. Age
      5 years
      Max. Age
      65 years
      Min. Coverage
      ₹ 2 Lakh
      Max. Coverage
      ₹ 10 lakh
      Plan name
      HDFC ERGO Health Suraksha Top Up Plus
      For super top-up
      Min. Age
      5 Years
      Max. Age
      65 years
      Min. Coverage
      ₹ 2 lakh
      Max. Coverage
      ₹ 10 lakh
      For Cancer
      Min. Age
      5 years
      Max. Age
      65 Years
      Min. Coverage
      ₹5 lakh
      Max. Coverage
      ₹50 lakh
      Min. Age
      91 days
      Max. Age
      40 years
      Min. Coverage
      ₹ 3 Lakh
      Max. Coverage
      ₹ 3 Lakh
      For Family
      Min. Age
      91 days
      Max. Age
      No age limit
      Min. Coverage
      ₹ 1 Lakh
      Max. Coverage
      ₹ 5 Crore
      Min. Age
      18 years
      Max. Age
      65 years
      Min. Coverage
      ₹ 1 Lakh
      Max. Coverage
      ₹ 1 crore
      Plan name
      HDFC ERGO my:health Medisure Super Top Up
      For super top up
      Min. Age
      91 days
      Max. Age
      65 years
      Min. Coverage
      ₹3 lakh
      Max. Coverage
      ₹20 lakh
      For individuals
      Min. Age
      91 days
      Max. Age
      65 years
      Min. Coverage
      ₹3 lakh
      Max. Coverage
      ₹1 Crore
      For senior citizens
      Min. Age
      61 years
      Max. Age
      No age limit
      Min. Coverage
      ₹2 lakh
      Max. Coverage
      ₹5 lakh
      For Top up
      Min. Age
      91 days
      Max. Age
      65 years
      Min. Coverage
      ₹ 5 Lakh
      Max. Coverage
      ₹ 10 Lakh
      Plan name
      HDFC ERGO EquiCover Health
      For persons with disability
      Min. Age
      1 day
      Max. Age
      75 years
      Min. Coverage
      ₹ 4 lakh
      Max. Coverage
      ₹ 5 lakh
      For hospital cash
      Min. Age
      91 days
      Max. Age
      65 years
      Min. Coverage
      ₹ 500 per day
      Max. Coverage
      ₹ 2500 per day
      For persons with disability
      Min. Age
      16 years
      Max. Age
      65 years
      Min. Coverage
      ₹ 1 lakh
      Max. Coverage
      ₹ 5 crore
      For hospital cash
      Min. Age
      91 days
      Max. Age
      65 years
      Min. Coverage
      ₹ 500 per day
      Max. Coverage
      ₹ 5000 per day
      For critical illness
      Min. Age
      18 years
      Max. Age
      65 years
      Min. Coverage
      ₹ 1 lakh
      Max. Coverage
      ₹ 5 Crore
      *All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.
      View more plans
      Let us discuss each insurance plan in detail
      HDFC ERGO my:health Koti Suraksha Plan

      HDFC ERGO my:health Koti Suraksha is a unique plan that offers medical coverage and personal accident cover with a higher sum insured and lower premiums. While the medical sum insured ranges from Rs 50 lakh to Rs 1 crore, the sum insured for personal accident cover ranges from Rs 10,000 to Rs 10 crore.

      Features & Benefits:

      • Cost of hospitalization, home healthcare and domiciliary hospitalization is covered
      • Accidental death, permanent disablement and temporary total disablement are available
      • Alternative treatments, pre-post hospitalization and road ambulance services are covered
      • Broken bones, chauffeur benefit and hospital cash for accidents are available
      • Preventive health check-ups, cumulative bonus and fitness discounts on renewal are available 
      • Non-medical expenses, emergency worldwide coverage, room rent waiver and waiting period modification options are available
      • Renewal premium benefit, parental care benefit, medical evacuation and dependent children education benefit are also available as optional covers
      Read more
      HDFC ERGO Optima Secure

      The HDFC ERGO Optima Secure plan provides multiple unique benefits to the insured, enhancing the medical coverage to 4x for no additional cost. It allows policyholders to reduce their premiums by up to 50% by opting for a deductible under the Value Buy benefit. The sum insured for this plan ranges from Rs 5 lakh to Rs 2 crore.

      Features & Benefits:

      • Hospitalization expenses, AYUSH treatment and home healthcare are covered
      • E-opinion for critical illness and daily cash for choosing shared accommodation are available
      • Pre-post hospitalization costs, ambulance charges and organ donor expenses are covered
      • While the secure benefit offers 2x coverage from day 1, plus benefit increases the coverage by 100% after 2 years
      • Plus benefit and restore benefit are available
      • Critical illness cover, hospital cash benefit and unlimited restore benefit are available as optional covers
      Read more
      HDFC ERGO Critical Illness Insurance

      The HDFC ERGO Critical Illness Insurance policy pays a lump sum benefit to the policyholder on the first diagnosis of up to 15 critical illnesses. It comes with a sum insured of Rs 1 lakh to Rs 50 lakh. The plan is available in three variants – Silver, Gold and Platinum.

      Features & Benefits:

      • The Silver plan covers 8 illnesses, the Gold plan covers 11 illnesses, and the Platinum plan covers 15 critical illnesses
      • Option to choose a survival period of 15 days/30 days
      Read more
      HDFC ERGO Day2day Care

      The HDFC ERGO Day2day Care plan provides coverage for medical expenses incurred on an outpatient basis from day 1. The plan is available in two variants – Silver and Gold.

      Features & Benefits:

      • Unlimited outpatient general & specialist consultations at network providers
      • Cost of pharmacy and diagnostic tests is covered 
      • Annual health check-ups are available to every insured
      Read more
      HDFC ERGO Dengue Care

      The HDFC ERGO Dengue Care plan covers in-patient and outpatient medical expenses incurred on the treatment of dengue. The plan has a sum insured ranging from Rs 50,000 to Rs 1 lakh.

      Features & Benefits:

      • In-patient hospitalization, pre-hospitalization and post-hospitalization costs are covered
      • OPD coverage for doctor consultations, pharmacy and diagnostic tests are available
      • Cost of home nursing services is also covered
      • Shared accommodation benefit is available with non-medical expenses cover
      • No medical check-up is required and one premium is charged regardless of the age
      • Wellness offers may be provided from time-to-time
      • No sub-limits or co-payments are applicable
      Read more
      HDFC ERGO Energy Health Insurance

      The HDFC ERGO Energy Health Insurance plan covers the hospitalization cost of diabetes, hypertension and related complications from day 1. The plan offers a sum insured amount ranging from Rs 2 lakh to Rs 50 lakh and is available in two variants – Silver and Gold.

      Features & Benefits:

      • Coverage for in-patient hospitalization and day care procedures are available
      • Pre-post hospitalization costs, organ donor expenses and ambulance charges are covered
      • HbA1C check-up benefit and shared accommodation benefit are available
      • Restore benefit and cumulative bonus are available
      • Wellness programmes and wellness benefit are also available
      Read more
      HDFC ERGO Easy Health Insurance

      HDFC ERGO Easy Health Insurance is a comprehensive health policy for families and individuals that provides attractive health benefits to physically active people. It is available for a sum insured ranging from Rs 1 lakh to Rs 50 lakh. The plan comes with three variants – Standard, Exclusive and Premium.

      Features & Benefits:

      • In-patient treatment, pre-hospitalization and post-hospitalization expenses are covered
      • AYUSH benefit, daily cash for shared accommodation and recovery benefit are available
      • Maternity expenses, newborn baby expenses and road ambulance charges are covered
      • Daily cash for accompanying a child and air ambulance cover are available
      • Organ donor expenses and day care procedures are covered
      • Cumulative bonus, preventive health check-ups and stay active benefit are available
      • Critical illness cover is available as an add-on cover
      Read more
      HDFC ERGO Health Wallet Insurance

      HDFC ERGO Health Wallet is a unique health insurance policy that reserves the unused sum insured from the previous year and adds it to the base sum insured for the next year. The plan is available with a sum insured ranging from Rs 3 lakh to Rs 50 lakh.

      Features & Benefits:

      • Coverage for in-patient treatment, AYUSH treatment and domiciliary treatment are available
      • Day care procedures, ambulance charges and pre-post hospitalization expenses are covered
      • Reserve benefit, recovery benefit, restore benefit and multiplier benefit are available
      • Cost of worldwide emergency care and preventive health check-ups are covered
      • Deductible option is also available
      • Unlimited restore benefit is available as an add-on cover
      Read more
      HDFC ERGO Health Suraksha Top-up Pro Plan

      The HDFC ERGO Health Suraksha Top-up Pro plan provides additional coverage in case the base policy sum insured has exhausted. The plan is activated only after the policyholder pays the deductible amount. While the sum insured ranges from Rs 2 lakh to Rs 10 lakh, the deductible ranges from Rs 1 lakh to Rs 5 lakh.

      Features & Benefits:

      • In-patient treatment, emergency road ambulance and day care procedures are covered
      • Domiciliary treatment and organ donor cover are available 
      • Both pre-hospitalization and post-hospitalization expenses are covered
      • 5% cumulative bonus for up to 50% is available for every claim-free year
      Read more
      HDFC ERGO Health Suraksha Top-up Plus Plan

      The HDFC ERGO Health Suraksha Top-up Plus plan provides additional medical coverage if the aggregate of multiple medical claims exceeds the deductible amount. The plan comes with a deductible ranging from Rs 1 lakh to Rs 5 lakh for a sum insured amount ranging from Rs 2 lakh to Rs 10 lakh.

      Features & Benefits:

      • Cost of in-patient treatment and domiciliary treatment is covered
      • Organ donor cover and emergency ambulance cover are available
      • Day care procedures, pre-hospitalization and post-hospitalization expenses are covered
      • 5% cumulative bonus for up to 50% for every claim-free year is available
      • No medical check-up is required for up to 55 years
      • No sub-limits are applicable on hospitalization or any disease
      Read more
      HDFC ERGO iCan Insurance Plan

      The HDFC ERGO iCan Insurance plan covers the medical expenses incurred on the treatment of cancer. It offers a sum insured ranging from Rs 5 lakh to Rs 50 lakh. The plan is available in two variants – Standard and Advanced.

      Features & Benefits:

      • In-patient treatment, outpatient treatment and follow-up care post treatment are covered
      • Second opinion, day care procedures and emergency ambulance cover are available
      • Both pre-hospitalization and post-hospitalization expenses are covered
      • CritiCare benefit and family care benefit are available under the Advanced plan only
      • Advanced treatment is available as an optional cover
      Read more
      HDFC ERGO Maxima Insurance

      The HDFC ERGO Maxima Insurance provides coverage for the everyday health needs of the insured by covering both in-patient and outpatient medical expenses. The policy offers a sum insured of Rs 3 lakh.

      Features & Benefits:

      • Coverage for OPD doctor consultations, diagnostic tests and dental treatments are available
      • In-patient hospitalization along with pre-post hospitalization expenses are covered
      • Maternity benefit, newborn baby cover and daily cash for accompanying insured child are available
      • Day care procedures, organ donor expenses and domiciliary treatment are covered
      • Annual health check-ups and daily cash for choosing shared accommodation are available
      • Cost of spectacles, contact lenses and ambulance services are covered
      • Critical illness cover is available as an add-on cover
      Read more
      HDFC ERGO my:health Suraksha Plan

      HDFC ERGO my:health Suraksha is a comprehensive plan that provides medical coverage to people of all ages. The plan comes with a sum insured ranging from Rs 1 lakh to Rs 5 crore and comes in three variants – Silver Smart, Gold Smart and Platinum Smart.

      Features & Benefits:

      • No pre-policy health check-up is required for up to 45 years
      • Hospitalization expenses, alternative treatment and domiciliary treatment are covered
      • Coverage for mental healthcare, home healthcare and organ donor cover are available
      • Cost of day care procedures and road ambulance services are covered
      • Preventive health check-up, cumulative bonus and my:health Active benefit are available
      • Optional covers, such as non-medical expenses cover, major illness benefit, global health cover and outpatient dental treatments are available
      • Sum insured rebound, recovery benefit and extended cumulative bonus and are available
      • Flexibility to opt for parent & child care cover, air ambulance cover and e-opinion cover
      • Preventive health check-up booster, waiting period modification and room rent modification option are available
      • Critical illness cover and hospital cash benefit are available as add-on covers
      Read more
      HDFC ERGO my:health Women Suraksha

      The HDFC ERGO my:health Women Suraksha plan provides comprehensive coverage for the health needs of modern-day women. It comes with a sum insured amount ranging from Rs 1 lakh to Rs 1 crore. The plan is available in 6 variants – Women Cancer plan, Women Cancer Plus plan, Women Cardiac plan, Women CI Essential plan, Women Comprehensive plan and Women Assault & Burns.

      Features & Benefits:

      • Coverage for malignant cancer, major cancers, carcinoma in situ of the breast and carcinoma in situ of the cervix uteri are available
      • 41 critical illnesses and 3 major illnesses are covered
      • Coverage for cardiac ailments & procedures, surgical procedures, assault and burns are available
      • Preventive health check-ups and my:health Active benefit are available
      • Waiver of 50% of the renewal premium for 5 years is available with the reduced premium benefit
      • Pregnancy & newborn complications, post-diagnosis support and loss of job are available as optional covers
      Read more
      HDFC ERGO my:health MediSure Super Top Up

      The HDFC ERGO my:health MediSure Super Top Up plan provides higher medical coverage to the insured for lower premiums. This plan can be used for backup coverage if the base policy gets exhausted. While the sum insured ranges from Rs 3 lakh to Rs 20 lakh, the deductible amount ranges from Rs 2 lakh to Rs 5 lakh.

      Features & Benefits:

      • No pre-policy medical tests are available for up to 55 years
      • Coverage for in-patient hospitalization and day care procedures are available
      • Both pre-hospitalization and post-hospitalization costs are covered
      • Critical illness cover and hospital cash benefit are available as add-on covers
      Read more
      HDFC ERGO Optima Restore

      The HDFC ERGO Optima Restore plan offers medical coverage to the insured with the restore benefit. The sum insured amount ranges from Rs 3 lakh to Rs 1 crore.

      Features & Benefits:

      • Hospitalization expenses, organ donor expenses and domiciliary treatments are covered
      • Daily cash for choosing shared accommodation and e-opinion for critical illness are available
      • Day care procedures, road ambulance and air ambulance expenses are covered
      • Restore benefit, multiplier benefit and preventive health check-up benefit are available
      • Unlimited restore benefit is available as an optional benefit
      Read more
      HDFC ERGO Optima Senior

      The HDFC ERGO Optima Senior plan has been designed to cover the medical expenses incurred by senior citizens above 60 years. The plan is available with a sum insured of Rs 2 lakh, Rs 3 lakh and Rs 5 lakh.

      Features & Benefits:

      • Coverage for in-patient treatment, emergency ambulance and day care procedures are available
      • Organ donor expenses, domiciliary treatment and pre-post hospitalization expenses are covered
      • E-opinion is available for listed critical illnesses
      • 5% no claim bonus is available for every claim-free year
      Read more
      HDFC ERGO Optima Super

      HDFC ERGO Optima Super is a top-up insurance plan that can be converted into a regular health insurance policy after five consecutive renewals or between the age of 55 to 60 years. The plan offers a sum insured ranging from Rs 5 lakh to Rs 10 lakh along with deductible options ranging from Rs 1 lakh to Rs 10 lakh.

      Features & Benefits:

      • Cost of in-patient treatment, ambulance service and day care procedures are covered
      • Coverage for organ donor expenses and pre-post hospitalization expenses are available
      • Waiver of deductible benefit along with the reduction in waiting period option is available
      Read more
      HDFC ERGO EquiCover Health

      The HDFC ERGO Equicover Health plan has been designed to cover the medical expenses incurred by persons with disability. The plan is available with a sum insured of Rs 4 lakh and Rs 5 lakh.

      Features & Benefits:

      • Coverage for in-patient hospitalization costs and pre-post hospitalization costs are available
      • Cataract treatment, modern treatment and AYUSH treatment are covered
      • Emergency ground ambulance cover is available
      Read more
      HDFC ERGO Hospital Cash Insurance

      The HDFC ERGO Hospital Cash Insurance provides a daily cash allowance to the insured for each day of in-patient hospitalization. The plan comes with a sum insured of Rs 500 per day to Rs 2500 per day.

      Features & Benefits:

      • Daily cash allowance is paid for each day of hospitalization
      • Twice the daily cash amount is paid for ICU admission
      • Coverage available for up to 30/60 days per policy year
      Read more
      HDFC ERGO my:credit Comprehensive Suraksha

      The HDFC ERGO my:credit Comprehensive Suraksha plan provides coverage to people who have taken a loan from banks/NBFC or other financial institutions. The sum insured for the plan ranges from Rs 1 lakh to Rs 5 crore. The plan is available in 6 variants – Critical Illness, Women Suraksha, Sachet Critical Illness, Recovery Benefit, Hospital Cash and Permanent Total Disablement - Illness.

      Features & Benefits:

      • Lump sum payment is made on diagnosis of 51 critical illnesses
      • Coverage for cancers, surgical procedures, major illnesses, cardiac ailments & procedures and 41 critical illnesses are available for women
      • Cancer cover, heart cover, nervous system cover and other major organ cover are available
      • Recovery benefit, hospital cash benefit and permanent total disability cover are available
      • Cardiac arrest and molecular gene expression profiling test are available as optional covers
      • Pregnancy and newborn baby complications are available as optional cover under the women suraksha section
      • Preventive health check-ups, second medical opinion, post diagnosis assistance, loss of job and pre diagnosis cover are available as optional covers
      • Reinstatement of the sum insured and waiting period modification option are available as optional covers
      Read more
      HDFC ERGO Optima Cash

      The HDFC ERGO Optima Cash plan offers a daily cash allowance to the insured to pay for incidental expenses incurred during hospitalization. The sum insured for this plan ranges from Rs 500 per day to Rs 5000 per day.

      Features & Benefits:

      • Sickness hospital cash, day care procedure cash and accidental hospital cash are paid
      • Convalescence benefit and childbirth benefit are available
      • Parent accommodation benefit and joint hospitalization due to accident benefit are also available
      Read more
      HDFC ERGO my:health Critical Suraksha Plus

      HDFC ERGO my:health Critical Suraksha Plus has been designed to cover the financial needs of the insured on the diagnosis of a critical illness. The plan comes with a sum insured amount ranging from Rs 1 lakh to Rs 5 crore.

      Features & Benefits:

      • Cancer cover, nervous system cover, heart cover and other major organ cover are available
      • Preventive health check-up benefit and my:health Active benefit are available
      • Pre diagnosis cover, post diagnosis support and loss of job are available as optional covers
      • Hospital cash benefit is available as an add-on cover
      Read more
      View more plans

      Why Should You Buy HDFC ERGO Health Insurance Plans?

      Here are a few benefits of buying an HDFC ERGO health insurance plan:

      • Attractive Benefits – Several HDFC ERGO health insurance plans offer unique benefits like value buy, secure benefit, reduced premium benefit, protect benefit, multiplier benefit, etc., making it a profitable buy.
      • In-House Claims Team – The insurance company has an in-house claim settlement team that settles cashless claims within 2 hours.
      • 24x7 Customer Support – HDFC ERGO General Insurance Company has an efficient customer support team that provides customer assistance round the clock.
      • Tax Benefits – Policyholders can claim tax deductions on the premium paid to buy an HDFC ERGO health insurance policy.

      How to File a Claim with an HDFC ERGO Health Insurance Plan?

      Follow the steps given below to file a claim with HDFC ERGO health insurance:

      1

      Get Hospitalized

      Get admitted to a network hospital of the HDFC ERGO General Insurance Company to avail cashless treatment

      2

      Show Documents

      Display your HDFC ERGO health card along with a valid photo id

      3

      Cashless Pre-authorization

      The network hospital will send your pre-authorization form to the HDFC ERGO General Insurance Company seeking a request for your cashless treatment.

      4

      Cashless Treatment Approval

      The insurance company will approve the cashless treatment request and inform the hospital.

      5

      Document Submission

      After you get discharged, the hospital will send the final bill and all the required documents to the insurer.

      6

      Final Authorization

      The insurer will scrutinize all the submitted documents and will grant the final authorization to the hospital.

      Note: For reimbursement claims, intimate HDFC ERGO General Insurance Company about your planned hospitalization at least 48 hours prior and emergency hospitalization within 24 hours. Pay the hospital bill in full at the time of discharge, collect all the documents and submit the required documents to the insurer. The team of doctors at HDFC ERGO General Insurance will review the documents and process the claim within 7 days.

      Documents Required for HDFC ERGO Health Insurance Claim

      Given below are the documents to be submitted for the smooth processing of reimbursement claims.

      • Duly filled HDFC ERGO health insurance claim form along with policy number
      • Original hospital discharge summary
      • Original final hospital bill with a detailed break-up of items
      • Original pharmacy invoices supported with doctor’s prescriptions
      • Original payment receipts
      • Original investigation reports
      • Implant sticker/ invoice
      • FIR or Medico Legal Certificate (MLC) (for accident cases)
      • Documents of past treatments
      • Legal heir certificate (in case the nominee is a minor)
      • Cancelled cheque or passbook copy attested by the bank
      • KYC form and a copy of any one KYC document for claims of Rs 1 lakh or more.

      HDFC ERGO Health Insurance Network Hospitals

      The HDFC ERGO General Insurance Company allows policyholders to avail cashless medical treatment at its network hospitals across India. Check out the list of HDFC ERGO health insurance network hospitals in different Indian cities:

      How to Buy HDFC ERGO Health Insurance Plans?

      Check out the steps to buy HDFC ERGO health insurance online:

      Step 1: Visit Policybazaar.com and select the ‘Health Insurance’ icon

      Step 2: Choose your gender and write your full name

      Step 3: Select the people to be insured and enter their age

      Step 4: Enter your city or its pin code as well as your phone number

      Step 5: Pick the suitable option if any of the people to be insured has a medical history 

      Step 6: Choose the HDFC ERGO health insurance plan to be purchased

      Step 7: Pay the premium amount online

      Step 8: The HDFC ERGO General Insurance Company will issue the policy after receiving the premium.

      How to Renew HDFC ERGO Health Insurance Plans?

      Here is a step-by-step procedure to renew an HDFC ERGO health insurance policy:

      Step 1: Visit the official website of Policybazaar Insurance Brokers Private Limited

      Step 2: Go to the ‘Renew Your Policy’ option at the top of the page

      Step 3: From the dropdown menu, click the ‘Health Renewal’ option

      Step 4: Fill in your mobile number and the OTP to log in

      Step 5: First-time users can click on the ‘Health Insurance’ icon on the homepage and enter the requested details

      Step 6: Choose your HDFC ERGO health insurance renewal plan and pay the renewal premium amount online

      Step 7: The insurance company will renew your HDFC ERGO health insurance policy.

      How to Calculate HDFC ERGO Health Insurance Premium?

      Policyholders can calculate the premium of an HDFC ERGO health insurance plan by using a health insurance premium calculator. All they need to do is provide certain details, such as the residence city, sum insured, etc. You can use the HDFC ERGO health insurance premium calculator given below to estimate the premium of a medical insurance plan.

      Contact Details of HDFC ERGO Health Insurance

      Take a look at the contact details of HDFC ERFO General Insurance Company below:

      Categories Contact Details
      Phone number 022 6242 6242 (for policy purchase)
      022 6234 6234
      0120 6234 6234
      Whatsapp number 8169 500 500
      Email id care@hdfcergo.com
      nsp@hdfcergo.com (for network hospital issues)
      preauth@hdfcergo.com (for pre-authorization issues)

      HDFC ERGO Health Insurance – FAQs

      • Q1. What is not covered in HDFC ERGO Health Insurance?

        Ans: HDFC ERGO health insurance plans do not provide coverage against medical expenses arising out of cosmetic surgery, dental treatments, external congenital diseases, intentional self-injury, drug addiction, etc. You can check the whole list of exclusions by checking the policy terms and conditions.
      • Q2. What is the waiting period of HDFC ERGO health insurance?

        Ans: All HDFC ERGO health insurance plans come with an initial waiting period of 30 days. Apart from this, pre-existing diseases waiting period of 2 to 4 years and specific diseases waiting period of 2 years also apply. Moreover, critical illness insurance has a waiting period of 90 days.
      • Q3. Does HDFC ERGO health insurance cover death?

        Ans: HDFC ERGO health insurance plans cover death resulting from an accidental injury.
      • Q4. Which policy is best in HDFC ERGO health insurance?

        Ans: The HDFC ERGO General Insurance Company offers a wide range of health insurance plans catering to the varied needs of different individuals. A single health policy will not be the best for everyone. Hence, people should compare different HDFC ERGO health plans to find the best-suited plan within their budget.
      View more FAQ’s
      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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      HDFC ERGO Health Insurance Reviews & Ratings

      5 / 5 (Based on 3 Reviews)
      (Showing Newest 3 reviews)
      Parthiv
      East Midnapore, September 24, 2020
      Family floater
      I have took the Apollo munich family floater insurance policy. It is really easy and best. Great work team policybazaar and I really appreciate your services.
      Pawan
      Yashwant Nagar, September 24, 2020
      Corona protection
      I have recently took the Apollo munich general insurance policy and it has given me the protection from the corona virus. It is ultimate best plan. Thank you so much team policybazaar for such wonderful work and efficiency.
      Pravendra
      G.mahisani, September 24, 2020
      Best plans
      I have taken the Apollo munich general insurance policy from the policybazaar and it has given me best plans. Thank you team policybazaar.

      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker (Life & General)| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

      © Copyright 2008-2024 policybazaar.com. All Rights Reserved.

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