Getting health insurance from HDFC ERGO General Insurance Company is considered to be the first step towards a secure future for Indian families. Here is detailed information on how to get health insurance from HDFC ERGO, the company’s health insurance plans, their features, claim process, customer experience and important information about the entire process.
HDFC ERGO Health Insurance: Introduction
HDFC ERGO General Insurance is one of India’s leading private insurance companies, focused on health, auto, travel and other general insurance segments. Health insurance aims to provide financial protection in case of medical emergencies, including hospital bills, operations, medicines, investigations, ambulance and other expenses.
Available Plans and Features
HDFC ERGO’s major health insurance plans are:
- Optima Restore (coverage restore after claim, no-claim bonus, etc.).
- Family Floater Insurance (Protection for the whole family at once).
- Individual Health Insurance (for individual needs).
- Senior Citizen Health Insurance (Special protection for the elderly).
- Critical Illness Insurance (Special cover for critical illnesses like cancer, heart disease, stroke).
- Top-up and Super Top-up (Add extra protection to existing insurance).
Features and Specifications
- Comprehensive coverage: Hospital bills, pre and post hospitalization expenses, ambulance, legacy treatment, day care, mental trauma, AYUSH hospital facility, organ donation, etc.
- Cashless treatment: No cash payment required for treatment at 15,000+ network hospitals.
- No room rent sub-limit: No room rent limit.
- Lifetime renewal: Policy can be renewed every year, no age limit.
- High claim settlement ratio: Claim settlement ratio of 97%, better reliability.
- Multiplier benefit: Sum insured increases with each no-claim year.
Process to buy health insurance online
- Visit HDFC ERGO website (www.hdfcergo.com) and select the health insurance section.
- Click on ‘Buy Now’ or ‘Get Quotation’ option to place a request.
- Fill in details – age, family members, medical history, city, contact number etc.
- Compare available plans, brochures, benefits and coverage.
- Choose the required amount (sum insured) and additional covers like critical illness or super top-up.
- Complete KYC, health declaration form, upload required documents.
- Pay online (net banking, UPI, cards etc.).
- Receive policy documents, welcome kit instantly on email or mobile.
Process to buy health insurance offline
- Contact the nearest HDFC ERGO branch or authorized agent.
- Fill in the documents and forms with the help of the agent.
- Take an appointment for health check-up (if required) and verification.
- Documents will be available once the policy is approved and issued.
What is covered
- Hospitalization expenses and medical treatment.
- Pre-hospitalization (20/60 days) and post-hospitalization (60/180 days) expenses.
- Day-care procedures, ambulance charges, organ donation, mental health, AYUSH treatments.
- Step-wise coverage for critical illnesses, cashless treatment.
- Tax exemptions, no-claim bonus, free checkups.
Benefits of HDFC ERGO Health Insurance
- Reliable service, fast claim process, customer satisfaction.
- Low premiums and special add-on covers available.
- No room rent limit, 100% coverage restored.
- Long-term renewal facility.
- 15000+ network hospitals.
- Enhance coverage with top-up super top up plans.
Important Tips
- First decide your needs and budget, then choose a plan accordingly.
- While buying a plan, go through the policy documents, exclusions, no-claim limit and claim process thoroughly.
- Choose the right sum insured to cover major medical expenses.
- Renew on time to avoid losing coverage.
- Keep all medical documents safe at the time of claim.
- Do not hide pre-existing illnesses, else the claim may get rejected.
Digital Tools and Customer Support
- HDFC ERGO website/app has a number of features available like filing a claim, downloading documents, policy status, live chat inquiries, etc.
- In case of any issue or doubt, get instant support through helpline numbers, email, social media support.
Conclusion
The process of getting health insurance from HDFC ERGO General Insurance Company is digital, fast and customer-friendly. The company’s diverse plans, easy claim process, high claim settlement ratio and additional benefits make it the first choice of every Indian family. In the digital age, HDFC ERGO health insurance is the foundation of your and your family’s financial security.