HDFC ERGO Health Insurance Renewal

With over 200 branches in 170+ cities, HDFC ERGO Health Insurance is a private insurance company established as a joint corporation in 2002 between HDFC Ltd. and ERGO International AG. The insurer offers a complete range of health insurance products for its customers to choose from. They are spread across a vast distribution network and provide a seamless customer experience with their innovative insurance products.

Claim settlement ratio 99.90%

NCB* 5%, up to 10% of SI*

PED Waiting^# 2-4 Years

Network Hospital 12000+

Renew your policy on time to avoid additional costs

Our expert advisors will assist you in the process

Top Plans

HDFC ERGO Health Insurance Plan(s)	Plan Type	Entry Age
my: Optima Secure	Plan Type : Base Product	Entry Age : Adult : 18 - 65 Years, Children : 91 days - 25 years for dependent

To enjoy HDFC Health insurance renewal benefits, a policyholder is required to renew their health insurance plan before expiry. The renewal of HDFC ERGO health insurance is seamless and can be done very conveniently online.

Steps to follow for HDFC ERGO Health Insurance Renewal Process

A. Online Renewal Process

To renew the HDFC ERGO Health Insurance Plan, you must go to the official website of the insurer and click on the option of ‘Instant Renewal’
Submit your policy details, DOB, and any other detail required on the page that appears and click on the ‘Submit’ button
Make the payment of the renewal amount that is generated, and your policy will be renewed immediately

B. Offline Renewal Process

To renew the HDFC Ergo Health Insurance Plan offline, you can go to the nearest branch of the insurer and contact the POSP advisor to renew the plan. You may also call 022 - 6234 6234 / 0120 - 6234 6234 and renew the policy instantly.

Benefits of Timely Renewal

Below are the benefits that a policyholder can receive with HDFC ERGO Health Renewal:

Continued coverage – Renewing HDFC ERGO Health Insurance policy allows a policyholder to enjoy a lifetime renewability option. You can stay covered throughout your life and avail yourself of the benefits of the HDFC policy during a medical emergency.

Flexibility with Riders – Another benefit of renewing your HDFC ERGO Health Insurance is that it allows you the option of adding or removing add-on riders under your policy. This way, you can control the premium amount by removing certain add-on policies that you do not require.

Flexibility of Coverage – Renewal of a policy also allows the policyholder the opportunity to add or remove a family member as required under your family floater health insurance policy.

Tax benefits – Further, you can avail of tax deductions under Section 80D of the Income-Tax Act.

Common Renewal Issues and Solutions

Re-evaluating needs – Always renew your insurance after re-evaluating your current healthcare needs. If you think your healthcare requirements have increased with age and with added family members under the policy, you may opt for a high sum insured while renewing your policy. Similarly, you may decrease the amount if you think you don’t need any add-on from the previous year at the time of renewal.

Premium amount - There has been a huge rise in healthcare expenses over the years. With the increasing rate of medical facilities, the premium prices are also likely to go up. If you want to limit the rise in the premium amount, you may look for a change in policy at the time of renewal or may remove or alter add-on riders under the policy.

Renewal date – Keeping a tab on the policy renewal date is also crucial so that you do not forget the date of expiration and miss the grace period. If that happens and you do not renew your policy during the grace period, you may lose all the benefits earned during the policy term.

Choose health Insurance Companies For Renewal

Star Health Insurance Renewal

Care Health Insurance Renewal

Aditya Birla Health Insurance Renewal

Niva Bupa Health Insurance Renewal

Tata AIG Health Insurance Renewal

Royal Sundaram Health Insurance Renewal

ICICI Lombard Health Insurance Renewal

Bajaj Allianz Health Insurance Renewal

Tips for a Smooth Renewal

Here are some tips to ensure a smooth renewal of your HDFC ERGO Health Insurance Policy:

To ensure that you do not miss out on the policy renewal date, you can initiate the HDFC Ergo push notification. This way, you will never miss the renewal date of your HDFC Ergo Health insurance policy
You may also set reminders via e-mail, SMS, or mobile phones
The facility of auto debit can also be availed of to pay your health insurance premium without forgetting the renewal date
Further, you can get in touch with the HDFC Ergo customer care support to help you with any renewal-related queries

Conclusion

If you want to get continued benefits of your HDFC Health Insurance Plan, you must always renew the plan before expiry or at least within the grace period and opt for a lifetime renewable option. Your health insurance secures you against health emergencies and saves your hard-earned money.

However, in case you miss the grace period of your policy and the policy lapses you may be in a problematic situation if any urgent health emergency arises.

Frequently asked questions

To renew the HDFC ERGO Health Insurance Plan, you must go to the official website of the insurer and click on the option of ‘Instant Renewal’

Submit your policy details, DOB, and any other detail required on the page that appears and click on the ‘Submit’ button
Make the payment of the HDFC Ergo Health Policy renewal amount that is generated, and your policy will be renewed immediately

The HDFC ERGO health insurance renewal can be done online within a few minutes.

Yes, HDFC Health Insurance offers a grace period of 30 days, during which a policyholder can pay the health insurance premium to renew the policy. Every health insurer is required to provide a grace period of 15 or 30 days to their customers for policy renewal, as stated by IRDAI.

Yes, one can acquire multiple health insurance policies depending on the necessity and coverage requirements.

The premium of the HDFC ERGO Health Insurance Policy is calculated depending on the age and sum insured of the policyholder, as well as other factors.