HDFC ERGO Health Insurance Renewal

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      HDFC ERGO Health Insurance Renewal

      HDFC ERGO Health Insurance Renewal is essential to ensure continuous coverage of a health insurance policyand maintain peace of mind. Policyholders can easily renew their HDFC ERGO Health Insurance plan online using flexible payment options. However, by renewing their policy prior to its expiration date, policyholders can make the most of the range of benefits offered by the insurance company.

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      Benefits of Renewing an HDFC ERGO Health Insurance Policy Before Expiry

      Renewing your HDFC ERGO Health Insurance policy before its expiry offers several advantages. Take a look at them below:

      • Uninterrupted Coverage - By renewing the HDFC ERGO Health Insurance policy before the due date, policyholders can enjoy uninterrupted medical coverage. Failure to renew the policy on time may result in a break in coverage, making them ineligible to raise any claims with HDFC ERGO General Insurance Company Ltd.
      • No Medical Underwriting - Timely renewal of an HDFC ERGO health policy eliminates the need for medical underwriting or fresh medical examinations. This is especially beneficial if the insured’s health condition has changed since the first purchase of the policy.
      • No Loss of NCB (No Claim Bonus) - Policyholders can prevent the loss of any accumulated No Claim Bonus by renewing their HDFC ERGO Health Insurance policy before the expiry date. This happens because the accumulated NCB restores to zero if the health insurance policy lapses.
      • Lower Premiums -Renewing the HDFC ERGO Health Insurance policy before its expiry can help policyholders to avoid paying higher premiums and maintain a lower premium rate. This is because insurance companies often charge a higher premium to individuals who renew their policies after the due date.
      • Tax Benefits - The premium paid for your HDFC ERGO Health Insurance policy can be used to avail tax benefits under Section 80D of the Income Tax Act. Failing to renew your policy on time may result in losing this option to save on taxes.

      How to Renew an HDFC ERGO Health Insurance Policy?

      To renew your HDFC ERGO Health Insurance policy effortlessly, simply follow the steps given below and complete the process online:

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

      Step 2: Navigate to the top of the page and click on 'Renew Your Policy,' then select 'Health Renewal.'

      Step 3: Enter your mobile number and the OTP (One-Time Password) received on your phone for verification.

      Step 4: Provide the relevant details and make the premium payment for your HDFC ERGO Health Insurance renewal policy.

      Step 5: If you are a new user of Policybazaar.com, you can go to the 'Health Insurance' icon on the homepage.

      Step 6: Select your gender, enter your name, and specify the people to be insured with their ages.

      Step 7: Provide your city of residence or its pin code, along with your phone number.

      Step 8: Provide the necessary details regarding your medical history.

      Step 9: Select the HDFC ERGO Health Insurance policy you wish to renew and pay the renewal premium online.

      Upon receiving the premium payment, the HDFC ERGO General Insurance Company will renew the policy.

      HDFC ERGO Health Insurance Renewal Grace Period

      All HDFC ERGO Health Insurance plans come with a grace period. The grace period refers to the additional time provided to policyholders after the health insurance policy's due date to pay the renewal premium. Paying the premium during the grace period can prevent the policy from getting lapsed.

      Most HDFC ERGO Health Insurance plans offer a renewal grace period of 30 days. However, this duration may vary from one plan to another.

      FAQs

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
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      • 24*7 claims assistance In 30 mins. guaranteed*
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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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      *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

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