IRDA License No : HCG11821

HDFC ERGO HEALTH INSURANCE

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NAME

MOBILE

Age

Smoker?

YES

Hypertension?

YES

Blood sugar?

YES

Overview of HDFC ERGO HEALTH INSURANCE Health Insurance

HDFC ERGO health insurance Company Limited was established on 2002. HDFC ERGO health insurance Company limited is a joint venture between HDFC Ltd. And ERGO International AG which is a Germany based company. ERGO International AG is a part of Munich Re Group .HDFC ERGO is the 4th largest company of the India. The headquarter of this company is in Mumbai. HDFC holds 51% share and ERGO holds the other 41% of the company. HDFC ERGO has 109 branches in 89 cities. This firm is a public company and it is a non-government company. The share capital of this company is ₹6,000,000,000 and its paid up capital is ₹5,386,202,600. It had received an ISO Certification on 2010. In June 2016 HDFC ERGO HEALTH INSURANCE bought L&T General Insurance on ₹551 Crore. The merge up completed on 23rd August 2017.

HDFC ERGO Health Insurance highlights/ key features

There is no need of medical checkup upto 45 years.
HDFC ERGO Health Insurance offers cashless treatments at network hospitals.
Tax benefit under section 80D.
HDFC ERGO Health Insurance offers one year or two year policy coverage period.
HDFC ERGO Health Insurance offers no sub limits on any disease, room rent, and hospital charges and doctors fee.
HDFC ERGO Health Insurance offer 5% on every claim less year.
Lifelong renewability.
HDFC ERGO Health Insurance offer 10% discount if 2 or more members of a family are covered under the same individual family.

Policies of HDFC ERGO Health Insurance

There are 2 policies of HDFC ERGO Health Insurance-

Indemnity Health Insurance Policy.
Lump Sum Payment Health Insurance Policy.

Indemnity Health Insurance Policy

In this plan you can choose your own hospital and can pay your own fees and charges and then insurance company (HDFC ERGO) will pay you.

Lump Sum Payment Health Insurance Policy

In this plan policy holder get the money instantly the accident happen. This helps to take care every little expense.

The price is so affordable of this policy.
Insurance claim settlement is hassle free and very easy.
Provides Ayush benefits.
This is also available on individual or FHPL Basis.
This plan also provides post and pre hospitalization expenses.
It also provides the coverage of inpatient treatment which also includes all the hospitalization expenses.

How to do HDFC ERGO Health Insurance online

If you buy HDFC ERGO Health Insurance online you must renew it from online. Renewing it from online is very easy. There are some easy steps for renewing it online. Now we are describing following steps to renew it online.

Benefits & Advantages of HDFC ERGO HEALTH INSURANCE Health Insurance

HDFC ERGO HEALTH INSURANCE offers a wide range of health policies as per their customer's need.
HDFC ERGO HEALTH INSURANCE has network of 6000+ cashless hospitals over the country.
HDFC ERGO HEALTH INSURANCE has facility of 24*7 call assistance for health insurance claims.
HDFC ERGO HEALTH INSURANCE also offers the benefit of an enhanced no-claim bonus.
Policyholder can choose from a huge range of premium payment option as per their need.
HDFC ERGO HEALTH INSURANCE has an IAAA rating from ICRA.
HDFC ERGO HEALTH INSURANCE offers easy and quick renewal policy.
HDFC ERGO HEALTH INSURANCE also offered pre hospitalization charges, post hospitalization charges, medicine charges, ambulance charges etc.
Last but not least HDFC ERGO HEALTH INSURANCE offers Tax benefits.

Key advantages and features

You can get cover for your family too.
You also can get no claim bonus fee every claim less year.
There are list of upto 6000+ cashless hospital.
Ayush cover is also available.
There is no sub limits on any disease, room rent, hospital charges doctors fee.
Premiums are also available.
You can get lifetime renewal with all the plans.

List of health insurance policy offered by HDFC ERGO

Insurance Name	Sum assured	Policy Term	Basis	Age	Benefits and Coverage	Medical Test	Cumulative Bonus	Critical illness
HDFC Health Suraksha Insurance	Rs.30,0000, Rs.40,0000, Rs.50,0000, Rs.75,0000, Rs.1,00,000	1-2 year	Individual or family floater	3months- 55 years	ICU Expense Doctor's Fee Day care procedure Hospital room rent and boarding expenses Organ donor expenses If medical treatment taken at home. Under section 80(D) of the income tax act 6000+ hospitals	If applicant is under 45 years he/she doesn't need a medical test. Unless they declare any pre existing disease.	Completion of every claim free year.	N/A
HDFC Health Suraksha Gold Insurance	Rs.30,0000, Rs.40,0000, Rs.50,0000, Rs.75,0000, Rs.1,00,000	-	Individual or family floater	No Limit	Emergency ambulance expenses New born baby expenses after 90 days of birth. Day care procedure which do not require 24 hours hospitalization. Under section 80(D) of the income tax act 6000+ hospitals ICU Expense Doctor's Fee	Required	-	N/A
HDFC Health Suraksha Regain Insurance	Rs.30,0000, Rs.40,0000, Rs.50,0000, Rs.75,0000, Rs.1,00,000	-	Individual or family floater	No limit	Will get 10% of discount for choosing of 2 years policy. In-patient treatment taken due to an accident or illness. ICU Expense Doctor's Fee Day care procedure Hospital room rent and boarding expenses Organ donor expenses If medical treatment taken at home. 6000+ hospitals New born baby expenses after 90 days of birth. Day care procedure which do not require 24 hours E-opinion in case of critical illness.	Required	Enhance cumulative bonus.	N/A
HDFC Health Suraksha Gold Regain Insurance	Rs.30,0000, Rs.40,0000, Rs.50,0000, Rs.75,0000, Rs.1,00,000	-	Individual or family floater	No limit	Will get 10% of discount for choosing of 2 years policy. Inpatient treatment taken due to an accident or illness. ICU Expense Doctor's Fee Day care procedure Hospital room rent and boarding expenses Organ donor expenses If medical treatment taken at home. 6000+ hospitals New born baby expenses after 90 days of birth. Day care procedure which do not require 24 hours E-opinion in case of critical illness.	Required	Automatic re-instatement	N/A
HDFC Health Suraksha Top Up Insurance	Rs. 2,00,000-10,00,000	-	Individual or family floater	Upto 65 years, children 91 days to 23 years will be covered on the condition of both parents should be covered under policy.	New born and maternity cover Multiple in patient expenses. Also coverage for pre-existing disease. Day care procedure Under section 80(D) of the income tax act 6000+ hospitals Cover for pre hospitalization expenses. Discount of 10% on family health insurance Quick turnover on 6 hours of time Cover for day care treatments.	Not required upto 55 years.	-	N/A
Critical illness Insurance	Rs. 2.5 Lakh-10 Lakh	-	-	5-45 years	Paralysis, coronary artery bypass surgery, kidney failure, major organ transplant, stroke, heart attack (silver) Liver disease, alzima disease, heart value replacement, cancer, Paralysis, coronary artery bypass surgery, kidney failure, major organ transplant, stroke,(Platinum) Medical care treatment, debt re-payment, loss of income.	Not required upto 45 years		N/A

FAQ's

a. HDFC ERGO Health Insurance plans covers family, children. This insurance company always offers affordable premium. And also there is a list of 6000 cashless hospitals all over the country. You also can get (NCB) on every claim-less year.

a. Yes, you can apply online for the insurance. It is also hustle free process. You don't have to go anywhere. And you also can renew it for online.

a. You also can pay your premium online or can make it auto then every month the selected premium will be deducted from your bank account..

a. You can easily choose best insurance policy for you. You should see the all insurance policies then choose the right one which fix your budget and give you the maximum coverage.

a. You can log in to the HDFC ERGO Health insurance website then log in and right click on the policy number to get details.

a. The company provides 6000+ cashless hospitals. Or you can go simply website of HDFC ERGO and can check all those network hospitals.

a. You can get under section 80(D) of the income tax act tax benefit.

a. Ayush refers to ayurveda , unani, sidha and homeopathy. Insurance holders also get cover for also this kind of treatment.

a. Pre-existing disease if you have any kind disease before making the policy. Policy holder won't get cover for that.

Secured

HDFC ERGO HEALTH INSURANCE

Overview of HDFC ERGO HEALTH INSURANCE Health Insurance

HDFC ERGO Health Insurance highlights/ key features

Policies of HDFC ERGO Health Insurance

Indemnity Health Insurance Policy

Lump Sum Payment Health Insurance Policy

How to do HDFC ERGO Health Insurance online

Benefits & Advantages of HDFC ERGO HEALTH INSURANCE Health Insurance

Key advantages and features

List of health insurance policy offered by HDFC ERGO

FAQ's

Q. What does HDFC ERGO Health Insurance cover?

Q. Can I apply online for the insurance?

Q. How do I pay the insurance premium?

Q. How do I choose the best insurance policy?

Q. How can I check the policy status?

Q. How can I check the policy status?

Q. How do I find hospital to avail cashless facility under my HDFC ERGO health insurance policy?

Q. What tax benefit will I get?

Q. What are Ayush benefits?

Q. What are pre-existing diseases?