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HDFC ERGO health insurance premium calculator is an online tool that calculates the estimated premium of an HDFC ERGO health insurance policy. It allows policyholders to know the approximate premium that they are supposed to pay for an HDFC ERGO health policy before buying. The premium is calculated based on the details provided to the calculator, such as the city of residence, current age and the sum insured.
The process of calculating the premium of an HDFC ERGO health insurance policy is very simple. Take a look at the step-by-step procedure to calculate HDFC ERGO health insurance premium below:
The premium for various HDFC ERGO health insurance plans will be displayed.
HDFC ERGO health insurance premium chart consists of the premiums charged by the HDFC ERGO General Insurance Company. Every HDFC ERGO health policy has a premium chart containing premiums for different sum insured and relationship combinations. Policyholders can find the premium chart for an HDFC ERGO health insurance policy with its brochure, prospectus or policy documents.
Here are the benefits of using an HDFC ERGO health insurance premium calculator:
Check out some of the factors that determine the premium of an HDFC ERGO health insurance plan:
The higher is the age of the person to be insured, the higher will be the HDFC ERGO health insurance premium. This is because the probability of developing a medical condition and raising a claim increases with age.
People with an existing disease or medical condition attract a higher premium than those with no pre-existing diseases. This is because people with a medical history will lead to definite claims. Thus, they are a bigger liability for the insurance company.
The premium of an HDFC ERGO health insurance policy is directly proportional to its sum insured. The higher the sum insured, the more will be the premium price. This happens because the insurer’s liability increases as the sum insured increases.
The city where the policyholder resides also determines the health insurance premium. Insurance companies charge a higher premium to people living in metropolitan cities than those living in smaller cities. This is because healthcare facilities are more expensive in metropolitan cities than in tier 2 and tier 3 cities.
HDFC ERGO health insurance premiums are much lower for females than males. This is because females have a lower risk of heart attack, stroke, etc., and so are a smaller liability for the insurers than men.
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