Q1. How many days before the policy due date can I renew my HDFC ERGO Health Insurance policy?

Ans: You can renew your HDFC ERGO health insurance policy a maximum of 45 days before the policy due date.

Q2. Can I renew my HDFC ERGO Health Insurance policy if it has lapsed?

Ans: Certainly, you can renew your HDFC ERGO Health Insurance policy within the 30-day grace period that starts after the expiry date. Renewing within this timeframe guarantees the continuity of your coverage and allows you to raise a claim.

Q3. What happens if I fail to renew my HDFC ERGO Health Insurance policy within the renewal date and the grace period?

Ans: If you miss both the renewal date and the grace period, your HDFC ERGO health policy will lapse, resulting in the loss of coverage and the inability to make claims or receive any benefits. To prevent any gaps in coverage, renewing your HDFC ERGO Health Insurance policy before the due date is recommended.

Q4. Can I renew my HDFC ERGO Health Insurance policy if I have filed a claim in the previous year?

Ans: Absolutely! You can renew your HDFC ERGO Health Insurance policy even if you have made a claim in the previous year. However, it's essential to keep in mind that the No Claim Bonus (NCB) may not be applicable in such instances.

Q5. What documents are required for the HDFC ERGO Health Insurance renewal?

Ans: Typically, no additional documentation is necessary for the renewal of an HDFC ERGO medical insurance policy. However, it is recommended to have your policy documents, identification proofs, and any relevant medical records readily available in case they are needed for verification or updating your policy.

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.

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

Q1. How many days before the policy due date can I renew my HDFC ERGO Health Insurance policy?

Ans: You can renew your HDFC ERGO health insurance policy a maximum of 45 days before the policy due date.
Q2. Can I renew my HDFC ERGO Health Insurance policy if it has lapsed?

Ans: Certainly, you can renew your HDFC ERGO Health Insurance policy within the 30-day grace period that starts after the expiry date. Renewing within this timeframe guarantees the continuity of your coverage and allows you to raise a claim.
Q3. What happens if I fail to renew my HDFC ERGO Health Insurance policy within the renewal date and the grace period?

Ans: If you miss both the renewal date and the grace period, your HDFC ERGO health policy will lapse, resulting in the loss of coverage and the inability to make claims or receive any benefits. To prevent any gaps in coverage, renewing your HDFC ERGO Health Insurance policy before the due date is recommended.
Q4. Can I renew my HDFC ERGO Health Insurance policy if I have filed a claim in the previous year?

Ans: Absolutely! You can renew your HDFC ERGO Health Insurance policy even if you have made a claim in the previous year. However, it's essential to keep in mind that the No Claim Bonus (NCB) may not be applicable in such instances.
Q5. What documents are required for the HDFC ERGO Health Insurance renewal?

Ans: Typically, no additional documentation is necessary for the renewal of an HDFC ERGO medical insurance policy. However, it is recommended to have your policy documents, identification proofs, and any relevant medical records readily available in case they are needed for verification or updating your policy.