Trusted by 1L+ Indians
Want to Achieve any of the below Goals upto 80% faster?
Dream Home
Dream Wedding
Dream Car
Retirement
1st Crore
Dream Home
Dream Wedding
Dream Car
Retirement
1st Crore
Trusted by 1L+ Indians
Want to Achieve any of the below Goals upto 80% faster?
Dream Home
Dream Wedding
Dream Car
Retirement
1st Crore
Dream Home
Dream Wedding
Dream Car
Retirement
1st Crore
Trusted by 3 Crore+ Indians
Want to Achieve any of the below
Goals upto 80% faster?
Dream Home
Dream Wedding
Dream Car
Retirement
1st Crore
Trusted by 3 Crore+ Indians
Want to Achieve any of the below
Goals upto 80% faster?
Dream Home
Dream Wedding
Dream Car
Retirement
1st Crore
Trusted by 3 Crore+ Indians
Want to Achieve any of the below Goals upto 80% faster?
Dream Home
Dream Wedding
Dream Car
Retirement
1st Crore
Trusted by 3 Crore+ Indians
Want to Achieve any of the below Goals upto 80% faster?
Dream Home
Dream Wedding
Dream Car
Retirement
1st Crore
HDFC ERGO Health Insurance
HDFC ERGO Health Insurance
HDFC ERGO Health Insurance, provided by HDFC ERGO General Insurance Company Limited, is a prominent name in India’s health insurance sector. Established in 2002 through a joint venture between India’s Housing Development Finance Corporation Limited (HDFC Ltd.) and the Germany-based ERGO International AG, this company has made a significant mark in offering extensive health coverage to a diverse clientele. The company’s mission is to provide a range of health insurance plans that deliver comprehensive medical coverage tailored to individuals, families, and women, all at competitive and attractive pricing.
HDFC ERGO Health Insurance stands out in the market with its specialized plans that cover critical illnesses, including COVID-19 and dengue. These plans are meticulously designed to cater to the evolving needs of policyholders in a rapidly changing healthcare landscape. Furthermore, HDFC ERGO offers a distinctive Value Buy benefit, allowing policyholders to receive discounts of up to 50% by opting for a voluntary deductible. This feature not only provides financial savings but also enhances the value of the health insurance plans offered.
The company prides itself on a swift and efficient claims process, with cashless claims being settled within a remarkable 2-hour timeframe. This efficiency is underscored by their impressive incurred claim ratio of 97.47% for the fiscal year 2021-22, demonstrating their commitment to customer satisfaction and financial reliability.
Choose HDFC ERGO Health Insurance Coverage That Suits Your Needs
HDFC ERGO offers a variety of coverage options, allowing policyholders to select a plan that best fits their requirements. Here are the coverage options available:
₹5 Lakh HDFC ERGO Health Insurance
₹10 Lakh HDFC ERGO Health Insurance
₹20 Lakh HDFC ERGO Health Insurance
₹50 Lakh HDFC ERGO Health Insurance
₹1 Crore HDFC ERGO Health Insurance
₹2 Crore HDFC ERGO Health Insurance
These coverage levels are designed to provide flexibility and extensive protection, catering to different healthcare needs and financial capacities.
HDFC ERGO Health Insurance Plans Overview
HDFC ERGO General Insurance Company offers a comprehensive array of health insurance plans tailored for various needs. Below is a detailed look at the available health insurance plans:
HDFC ERGO my
Koti Suraksha Plan
Target Audience: Individuals
Minimum Age: 91 days
Maximum Age: 65 years
Coverage Range: ₹50 Lakh to ₹1 Crore
This plan provides robust medical coverage combined with personal accident cover, offering a higher sum insured at lower premiums. The medical sum insured ranges from ₹50 lakh to ₹1 crore, while personal accident cover ranges from ₹10,000 to ₹10 crore.
HDFC ERGO Optima Secure
Target Audience: Individuals
Minimum Age: 91 days
Maximum Age: 65 years
Coverage Range: ₹5 Lakh to ₹2 Crore
The Optima Secure plan is known for its unique benefits, such as enhancing medical coverage up to 4 times at no additional cost. Policyholders can also reduce their premiums by up to 50% by selecting a deductible through the Value Buy benefit.
HDFC ERGO Critical Illness Insurance Plan
Target Audience: Individuals needing coverage for critical illnesses
Minimum Age: 5 years
Maximum Age: 65 years
Coverage Range: ₹1 Lakh to ₹50 Lakh
This plan is specifically designed to provide financial support in the event of severe health conditions, ensuring comprehensive coverage and peace of mind.
Note: All savings and benefits mentioned are in accordance with the IRDAI-approved insurance plans. Standard terms and conditions apply.
Benefits of Choosing HDFC ERGO Health Insurance Plans
Opting for HDFC ERGO Health Insurance comes with a range of benefits that enhance the overall value and effectiveness of the coverage:
Attractive Benefits: HDFC ERGO offers several unique benefits such as the Value Buy, Secure Benefit, Reduced Premium Benefit, Protect Benefit, and Multiplier Benefit. These features are designed to add substantial value to the insurance plans, making them a financially sound choice.
In-House Claims Team: The company operates an in-house claim settlement team dedicated to processing cashless claims within 2 hours, ensuring quick and efficient claim resolutions.
24x7 Customer Support: HDFC ERGO’s customer support team is available round the clock to assist with any queries or issues, providing reliable and accessible support at any time.
Tax Benefits: Policyholders can enjoy tax deductions on the premiums paid for HDFC ERGO health insurance policies, adding another layer of financial advantage.
Steps to File a Claim with HDFC ERGO Health Insurance
Filing a claim with HDFC ERGO Health Insurance involves a straightforward process. Here are the steps to ensure a smooth claim experience:
Get Hospitalized: Admission to a network hospital of HDFC ERGO is necessary to avail of cashless treatment.
Show Documents: Present your HDFC ERGO health card along with a valid photo ID at the hospital.
Cashless Pre-authorization: The hospital will send a pre-authorization form to HDFC ERGO, requesting cashless treatment.
Cashless Treatment Approval: HDFC ERGO will review and approve the request, notifying the hospital.
Document Submission: After discharge, the hospital will send the final bill and required documents to the insurer.
Final Authorization: The insurer will verify the documents and grant final authorization for the payment to the hospital.
Note: For reimbursement claims, notify HDFC ERGO about your hospitalization at least 48 hours in advance for planned admissions and within 24 hours for emergencies. Settle the hospital bill fully at discharge, gather all necessary documents, and submit them to the insurer. Claims are processed within 7 days after document review.
Documents Required for HDFC ERGO Health Insurance Claim
To ensure the smooth processing of reimbursement claims, the following documents are required:
Duly filled HDFC ERGO health insurance claim form with policy number
Original hospital discharge summary
Original final hospital bill with a detailed item breakdown
Original pharmacy invoices supported by doctor’s prescriptions
Original payment receipts
Original investigation reports
Implant sticker/invoice (if applicable)
FIR or Medico Legal Certificate (MLC) for accident cases
Documents from past treatments (if any)
Legal heir certificate (if 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 ₹1 Lakh or more
HDFC ERGO Health Insurance Network Hospitals
HDFC ERGO General Insurance Company has an extensive network of hospitals across India where policyholders can avail of cashless medical treatments. Here are some of the locations where you can find network hospitals:
Delhi
Gurgaon
Mumbai
Bangalore
Chennai
Hyderabad
Pune
Kolkata
Ahmedabad
Chandigarh
With over 10,000 cashless network hospitals, HDFC ERGO ensures that policyholders have widespread access to quality healthcare services.
How to Purchase HDFC ERGO Health Insurance Plans
To buy an HDFC ERGO health insurance plan, follow these simple steps:
Visit Policybazaar.com: Navigate to the ‘Health Insurance’ section on the website.
Enter Personal Details: Provide your gender and full name.
Specify Insured Members: Enter the details of individuals to be insured, including their ages.
Provide Location and Contact Information: Enter your city or pin code and phone number.
Disclose Medical History: Indicate if any insured individual has a medical history.
Select a Plan: Choose the HDFC ERGO health insurance plan that best suits your needs.
Make Payment: Pay the premium amount online.
Receive Policy: HDFC ERGO will issue the policy upon receiving the payment.
How to Renew HDFC ERGO Health Insurance Plans
Renewing your HDFC ERGO health insurance policy is straightforward. Follow these steps:
Visit Policybazaar.com: Go to the ‘Renew Your Policy’ section.
Select Health Renewal: Choose the ‘Health Renewal’ option from the dropdown menu.
Log In: Enter your mobile number and OTP to log in.
Enter Details: New users can click on the ‘Health Insurance’ icon on the homepage and provide the necessary information.
Choose Renewal Plan: Select your HDFC ERGO health insurance renewal plan and pay the renewal premium online.
Policy Renewal: The insurance company will renew your policy once payment is confirmed.
Calculating HDFC ERGO Health Insurance Premium
To estimate the premium for an HDFC ERGO health insurance plan, use the health insurance premium calculator. Input details such as your residence city and desired sum insured to get an accurate premium estimate.
Contact Details for HDFC ERGO Health Insurance
For any queries or assistance, you can contact HDFC ERGO General Insurance Company through the following:
Phone Number: 022 6242 6242 (for policy purchase), 022 6234 6234, 0120 6234 6234
Whatsapp Number: 8169 500 500
Email IDs: care@hdfcergo.com, nsp@hdfcergo.com (for network hospital issues), preauth@hdfcergo.com (for pre-authorization issues)
In conclusion, HDFC ERGO Health Insurance offers a robust suite of health insurance products designed to meet diverse needs with extensive benefits and an efficient claims process. By choosing an HDFC ERGO plan, policyholders can enjoy comprehensive coverage, attractive benefits, and reliable customer support, ensuring peace of mind in their healthcare journey.
ChatGPT can ma
HDFC ERGO Health Insurance, provided by HDFC ERGO General Insurance Company Limited, is a prominent name in India’s health insurance sector. Established in 2002 through a joint venture between India’s Housing Development Finance Corporation Limited (HDFC Ltd.) and the Germany-based ERGO International AG, this company has made a significant mark in offering extensive health coverage to a diverse clientele. The company’s mission is to provide a range of health insurance plans that deliver comprehensive medical coverage tailored to individuals, families, and women, all at competitive and attractive pricing.
HDFC ERGO Health Insurance stands out in the market with its specialized plans that cover critical illnesses, including COVID-19 and dengue. These plans are meticulously designed to cater to the evolving needs of policyholders in a rapidly changing healthcare landscape. Furthermore, HDFC ERGO offers a distinctive Value Buy benefit, allowing policyholders to receive discounts of up to 50% by opting for a voluntary deductible. This feature not only provides financial savings but also enhances the value of the health insurance plans offered.
The company prides itself on a swift and efficient claims process, with cashless claims being settled within a remarkable 2-hour timeframe. This efficiency is underscored by their impressive incurred claim ratio of 97.47% for the fiscal year 2021-22, demonstrating their commitment to customer satisfaction and financial reliability.
Choose HDFC ERGO Health Insurance Coverage That Suits Your Needs
HDFC ERGO offers a variety of coverage options, allowing policyholders to select a plan that best fits their requirements. Here are the coverage options available:
₹5 Lakh HDFC ERGO Health Insurance
₹10 Lakh HDFC ERGO Health Insurance
₹20 Lakh HDFC ERGO Health Insurance
₹50 Lakh HDFC ERGO Health Insurance
₹1 Crore HDFC ERGO Health Insurance
₹2 Crore HDFC ERGO Health Insurance
These coverage levels are designed to provide flexibility and extensive protection, catering to different healthcare needs and financial capacities.
HDFC ERGO Health Insurance Plans Overview
HDFC ERGO General Insurance Company offers a comprehensive array of health insurance plans tailored for various needs. Below is a detailed look at the available health insurance plans:
HDFC ERGO my
Koti Suraksha Plan
Target Audience: Individuals
Minimum Age: 91 days
Maximum Age: 65 years
Coverage Range: ₹50 Lakh to ₹1 Crore
This plan provides robust medical coverage combined with personal accident cover, offering a higher sum insured at lower premiums. The medical sum insured ranges from ₹50 lakh to ₹1 crore, while personal accident cover ranges from ₹10,000 to ₹10 crore.
HDFC ERGO Optima Secure
Target Audience: Individuals
Minimum Age: 91 days
Maximum Age: 65 years
Coverage Range: ₹5 Lakh to ₹2 Crore
The Optima Secure plan is known for its unique benefits, such as enhancing medical coverage up to 4 times at no additional cost. Policyholders can also reduce their premiums by up to 50% by selecting a deductible through the Value Buy benefit.
HDFC ERGO Critical Illness Insurance Plan
Target Audience: Individuals needing coverage for critical illnesses
Minimum Age: 5 years
Maximum Age: 65 years
Coverage Range: ₹1 Lakh to ₹50 Lakh
This plan is specifically designed to provide financial support in the event of severe health conditions, ensuring comprehensive coverage and peace of mind.
Note: All savings and benefits mentioned are in accordance with the IRDAI-approved insurance plans. Standard terms and conditions apply.
Benefits of Choosing HDFC ERGO Health Insurance Plans
Opting for HDFC ERGO Health Insurance comes with a range of benefits that enhance the overall value and effectiveness of the coverage:
Attractive Benefits: HDFC ERGO offers several unique benefits such as the Value Buy, Secure Benefit, Reduced Premium Benefit, Protect Benefit, and Multiplier Benefit. These features are designed to add substantial value to the insurance plans, making them a financially sound choice.
In-House Claims Team: The company operates an in-house claim settlement team dedicated to processing cashless claims within 2 hours, ensuring quick and efficient claim resolutions.
24x7 Customer Support: HDFC ERGO’s customer support team is available round the clock to assist with any queries or issues, providing reliable and accessible support at any time.
Tax Benefits: Policyholders can enjoy tax deductions on the premiums paid for HDFC ERGO health insurance policies, adding another layer of financial advantage.
Steps to File a Claim with HDFC ERGO Health Insurance
Filing a claim with HDFC ERGO Health Insurance involves a straightforward process. Here are the steps to ensure a smooth claim experience:
Get Hospitalized: Admission to a network hospital of HDFC ERGO is necessary to avail of cashless treatment.
Show Documents: Present your HDFC ERGO health card along with a valid photo ID at the hospital.
Cashless Pre-authorization: The hospital will send a pre-authorization form to HDFC ERGO, requesting cashless treatment.
Cashless Treatment Approval: HDFC ERGO will review and approve the request, notifying the hospital.
Document Submission: After discharge, the hospital will send the final bill and required documents to the insurer.
Final Authorization: The insurer will verify the documents and grant final authorization for the payment to the hospital.
Note: For reimbursement claims, notify HDFC ERGO about your hospitalization at least 48 hours in advance for planned admissions and within 24 hours for emergencies. Settle the hospital bill fully at discharge, gather all necessary documents, and submit them to the insurer. Claims are processed within 7 days after document review.
Documents Required for HDFC ERGO Health Insurance Claim
To ensure the smooth processing of reimbursement claims, the following documents are required:
Duly filled HDFC ERGO health insurance claim form with policy number
Original hospital discharge summary
Original final hospital bill with a detailed item breakdown
Original pharmacy invoices supported by doctor’s prescriptions
Original payment receipts
Original investigation reports
Implant sticker/invoice (if applicable)
FIR or Medico Legal Certificate (MLC) for accident cases
Documents from past treatments (if any)
Legal heir certificate (if 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 ₹1 Lakh or more
HDFC ERGO Health Insurance Network Hospitals
HDFC ERGO General Insurance Company has an extensive network of hospitals across India where policyholders can avail of cashless medical treatments. Here are some of the locations where you can find network hospitals:
Delhi
Gurgaon
Mumbai
Bangalore
Chennai
Hyderabad
Pune
Kolkata
Ahmedabad
Chandigarh
With over 10,000 cashless network hospitals, HDFC ERGO ensures that policyholders have widespread access to quality healthcare services.
How to Purchase HDFC ERGO Health Insurance Plans
To buy an HDFC ERGO health insurance plan, follow these simple steps:
Visit Policybazaar.com: Navigate to the ‘Health Insurance’ section on the website.
Enter Personal Details: Provide your gender and full name.
Specify Insured Members: Enter the details of individuals to be insured, including their ages.
Provide Location and Contact Information: Enter your city or pin code and phone number.
Disclose Medical History: Indicate if any insured individual has a medical history.
Select a Plan: Choose the HDFC ERGO health insurance plan that best suits your needs.
Make Payment: Pay the premium amount online.
Receive Policy: HDFC ERGO will issue the policy upon receiving the payment.
How to Renew HDFC ERGO Health Insurance Plans
Renewing your HDFC ERGO health insurance policy is straightforward. Follow these steps:
Visit Policybazaar.com: Go to the ‘Renew Your Policy’ section.
Select Health Renewal: Choose the ‘Health Renewal’ option from the dropdown menu.
Log In: Enter your mobile number and OTP to log in.
Enter Details: New users can click on the ‘Health Insurance’ icon on the homepage and provide the necessary information.
Choose Renewal Plan: Select your HDFC ERGO health insurance renewal plan and pay the renewal premium online.
Policy Renewal: The insurance company will renew your policy once payment is confirmed.
Calculating HDFC ERGO Health Insurance Premium
To estimate the premium for an HDFC ERGO health insurance plan, use the health insurance premium calculator. Input details such as your residence city and desired sum insured to get an accurate premium estimate.
Contact Details for HDFC ERGO Health Insurance
For any queries or assistance, you can contact HDFC ERGO General Insurance Company through the following:
Phone Number: 022 6242 6242 (for policy purchase), 022 6234 6234, 0120 6234 6234
Whatsapp Number: 8169 500 500
Email IDs: care@hdfcergo.com, nsp@hdfcergo.com (for network hospital issues), preauth@hdfcergo.com (for pre-authorization issues)
In conclusion, HDFC ERGO Health Insurance offers a robust suite of health insurance products designed to meet diverse needs with extensive benefits and an efficient claims process. By choosing an HDFC ERGO plan, policyholders can enjoy comprehensive coverage, attractive benefits, and reliable customer support, ensuring peace of mind in their healthcare journey.
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