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HDFC ERGO Health Insurance company is a part of HDFC ERGO General Insurance Company Ltd., which is a joint venture between HDFC Ltd., and ERGO International AG. As a General Insurance provider, HDFC ERGO offers an entire range of products under the general insurance category like Motor insurance, Health insurance, Travel insurance, as well as Home and Personal Accident insurance. They also offer customized products such as Marine insurance, Property insurance, along with Liability Insurance.
The company has over 9700+ employees working in more than 200 branches of the company across 170+ cities in India. In terms of claim settlement, HDFC ERGO health insurance claim settlement ratio is one of the best in the industry with the company claiming to settle 1 claim per minute and approve claim within 20 minutes.
|Network Hospitals Available||12000+|
|Waiting Period (Pre-existing Ailments)||Between 2 years to 4 years|
|Claims Settlement Ratio|
|Policies Issued||1.5 Crore|
|Renewability||Lifetime (in most plans)|
HDFC ERGO is the proud recipient of the following awards and achievements:
Among the key features of HDFC ERGO include:
Some of the best health insurance plans offered by HDFC ERGO Health Insurance are;
This is a health plan offering four times the health cover at no extra cost. Here are some features:
This is a comprehensive but affordable health insurance plan with numerous benefits. Here are some features:
This is a beneficial plan especially recommended for small families. Here are some features:
This comprehensive and cost-effective policy allows big coverage at small prices. Here are some features:
Here are some features of this plan:
Here are some features of the plan:
This is a plan offering greater health cover at premium prices that are pocket-friendly. Here are some features:
The premium for the above plans can be calculated with the help of HDFC ERGO health insurance premium calculator. Here you can see the HDFC ERGO health insurance premium chart to buy plans suiting your needs.
Below are some of the coverage benefits that are permitted under the HDFC ERGO health insurance policy:
Below are the key exclusions that are not covered as part of most HDFC ERGO health insurance plans:
Health insurance claims are generally settled in two ways – cashless claims or reimbursement claims
Under a cashless claim process the policyholder is not required to make any payments from their own pocket at the time of hospital discharge. Here, the insurance company is directly in touch with the hospital and they make the payment on their own.
However, for a successful cashless claim you must ensure that your particular medical insurance plan covers the disease that is being treated in the hospital. Also, you must ensure that the hospital you have chosen to get the treatment done is one of the hospitals enrolled in the network of the insurer.
Unlike in cashless claims, the policyholder has to make all the payments under the reimbursement claim process. If you have gone through the treatment in a non-network hospital, you have to go through a reimbursement claim process.
Here, you can undergo the treatment as per the procedure of the normal hospitalization and make the payment at the time of discharge. However, after getting discharged you must reach out to the insurance company as soon as possible to raise a claim. For that you have to submit a duly filled claim form and all the relevant documents which are mentioned below.
Here are the documents needed to claim a HDFC ERGO health insurance policy:
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You can file as many claims as you want in a year. However, the amount of the total claims within that year should not go beyond the sum insured of your health plan. For example, if you are covered under a health policy with a sum insured of INR 3 lakh, you can claim up to that amount within a year from the insurer.
Yes, you have the option to add family members to your existing family health insurance plan. However, this may require you to fill some forms, like the health declaration and endorsement form. Also, you may have to pay an additional premium amount.
In case of non-network hospitals, the insured or the policyholder is required to pay the bills on their own at the time of discharge. However, you can claim for reimbursement within a specified time as mentioned in the policy document by submitting all the papers and documents related to bills and treatment for reimbursement.
Yes, they are covered but not at the start of the policy. You have to go through the waiting period for pre-existing diseases before you could avail coverage on such conditions.
Yes, you can get your premium back by canceling the policy but only during the free-look period, which is a duration of 15 days from the date of buying the policy.
Yes, they offer affordable senior citizen health insurance plans.
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