HDFC ERGO Health Insurance

HDFC ERGO Health Insurance plans come from HDFC ERGO General Insurance Company Limited. This company started in 2002 as a partnership between India's HDFC Ltd. and ERGO International AG from Germany. These plans provide full medical coverage for individuals, families, and women at good prices.

They also have special plans for critical illnesses, COVID-19, and dengue. Plus, they offer great benefits like the Value Buy benefit, which lets policyholders save up to 50% if they choose a voluntary deductible.

Key Highlights of HDFC Health Insurance Company

FeaturesBenefits
Claim Settlement Rate2 Claims/Minute*
Claim Settlement Ratio86.90% (2023)
Cashless Hospital Network16000+ˇ across India
Renewal BenefitFree Health Check-up within 60 Days of Renewal
Lives Covered1.6 Crore +
Claim ApprovalWithin 38* Minutes
Pre & Post HospitalizationCovers Expenses upto 60 days of admission & 180 days post disc

Top Plans Offered by HDFC ERGO Health Insurance

Here are the plans offered by HDFC health insurance company:

Plan TypePlansSum Insured Suitable For
Individual and Family FloaterOptima SecureRs.5 Lakh to Rs.2 CroreFamily
Individual and Family FloaterOptima Secure GlobalRs.5 Lakh to Rs.2 CroreFamily
Individual and Family FloaterOptima RestoreRs.3 lakh to Rs.50 LakhFamily

Who Can Buy HDFC ERGO Health Insurance Plan

To buy HDFC ERGO Health Insurance, you need to meet certain requirements. Anyone 18 years or older can buy the health plan, and there's no upper age limit. The family plan allows you to add children from 91 days old to 25 years old and adults from 18 to 65 years old.

Why Should You Choose HDFC ERGO Health Insurance?

Here's why it's a good idea to get health insurance from HDFC ERGO:

1Great Benefits

You get special perks like discounts, extra coverage options, and bonuses that make the plans valuable.

2Quick Claim Settlement

They have a team that handles claims quickly, often approving cashless claims in just 2 hours.

3Help Anytime You Need It

Their customer support is available 24/7 to help you with any questions or issues.

4Save on Taxes

You can save money on taxes by deducting the amount you pay for your insurance from your taxable income.

Documents Needed to Buy HDFC ERGO Health Insurance Policy

  • Copy of proposal form and OTP (one-time password) verification
  • Medical reports
  • Proof of where you live (like Aadhaar Card, Passport, Driving License, Electricity Bill, Telephone Bill, Voter ID)
  • Proof of your age (like 10th or 12th Mark Sheet, Voter’s ID, Passport, PAN Card, Driving License)
  • Passport-size photos

How to Buy HDFC ERGO Health Insurance

You can buy HDFC ERGO Health Insurance online or through a company agent.

Buying Online from HDFC ERGO’s Website

Here’s how to buy the insurance on their website:

  • Go to the HDFC ERGO Website: Open your internet browser, go to the HDFC ERGO website, and click on health insurance.
  • Choose Your Plan: Select a family plan if you are married or an individual plan if you are single.
  • Enter Your Details: Fill in details like how many people are in your family, how much coverage you want, your Pincode, and your mobile number.
  • Pick Your Plan: Choose the plan that meets your needs and covers your medical costs.
  • Pay Your Premium: After selecting your plan, go to the payment section, pick a payment method that suits you, and pay your premium.

FAQs

It helps cover your medical expenses and gives you peace of mind.

Babies can be insured starting at 91 days old. Adults of any age can buy insurance; there's no age limit.

If you need help, call HDFC ERGO at 022 6234 6234.

es (you can), add more family members to your current policy whenever you wish, simply by reaching out to customer service.

In case you misplaced the policy document, contact HDFC ERGO immediately and get a duplicate copy. Simply dial their customer service number or request a copy on their website.

Plan starting at just @457/Year*

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