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
| Features | Benefits |
|---|---|
| Claim Settlement Rate | 2 Claims/Minute* |
| Claim Settlement Ratio | 86.90% (2023) |
| Cashless Hospital Network | 16000+ˇ across India |
| Renewal Benefit | Free Health Check-up within 60 Days of Renewal |
| Lives Covered | 1.6 Crore + |
| Claim Approval | Within 38* Minutes |
| Pre & Post Hospitalization | Covers 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 Type | Plans | Sum Insured | Suitable For |
|---|---|---|---|
| Individual and Family Floater | Optima Secure | Rs.5 Lakh to Rs.2 Crore | Family |
| Individual and Family Floater | Optima Secure Global | Rs.5 Lakh to Rs.2 Crore | Family |
| Individual and Family Floater | Optima Restore | Rs.3 lakh to Rs.50 Lakh | Family |
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.
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Avarage Ratting
Health insurance add-ons (also called riders) are extra benefits that you can add to your health policy by paying a little more.
The Indian government is working to make healthcare better and improve the lives of its people. One way they do this is by offering health insurance schemes for
Let’s assume you just bought a health insurance plan for your family. At first, it seems like a good deal, but later you realize it doesn’t fulfill your needs.
When you buy health insurance, you might hear the word co-pay or co-payment. This is the small amount of money you pay from your pocket, and the insurance company covers the rest of the bill.
Healthcare in India is becoming more expensive every day. A hospital stay or a serious illness can use up all your savings very quickly. This is why having health insurance is so important. It helps protect your money during medical emergencies