What are the benefits of HDFC ERGO AMS?

Below are the benefits of the platform:Improved customer supportImproved work performance of agentsEfficient claim servicing and trackingImproved customer satisfaction

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HDFC ERGO VS Care Health Insurance – A Comparison

Post author By parastar
Post date November 20, 2023

HDFC ERGO VS Care Health Insurance

When it comes to safeguarding your health, choosing the right insurance provider can seem like a difficult task. With multiple choices available on the market, two of the most renowned names in the health insurance industry are HDFC ERGO and Care Health Insurance.

Both companies offer a wide range of health insurance policies that cater to different health care needs of individuals. But how are the plans different from each other?

In this article, we will compare some key features of HDFC ERGO and Care Health Insurance. We will also compare two of their most popular health plans for your better understanding.

Firstly let us look at some key features of both the health insurance providers.

About the Company	HDFC ERGO	Care Health Insurance
Claim Settlement Ratio	100%	100%
Network Hospitals	12000+	9400+
Incurred Claim Ratio	62%	55%
Branches	100+	158 offices
Employees	9700+	8500+

HDFC ERGO VS Care Health Insurance Family Health Insurance Plans

Now, let us highlight the key differences between the family health plans offered by both the

companies, to give you a better understanding.

Plan Features	HDFC ERGO Optima Restore Family	Care Supreme Health Insurance
Hospitalization	Covered	Covered
Restore Benefit	100%	100%
No Claim Bonus	50% increase SI, for every claim free year, subject to a maximum of 100%	50% increase SI, for every claim free year, subject to a maximum of 100%
Co-payment	NA	NA
Pre-Hospitalization	60 days	60 days
Post-Hospitalization	180 days	180 days
Ayush Treatment	Not available	Covered upto SI
Ambulance expenses	Up to ₹10,000	Up to ₹10,000
Sum Insured	Starting from ₹ 3 Lacs up to ₹ 50 Lacs	Starting from ₹7 Lacs up to ₹ 1 Crore
Pre-existing Conditions	Pre-exisiting diseases covered after 3 years	Pre-exisiting diseases covered after 4 years

Conclusion

From the perspective of a health insurance buyer, there are a few differences between the family floater plans offered by the two companies. As per our conclusion, we are highlighting some key differences:

HDFC ERGO Optima Restore plan does not cover Ayush treatment, whereas the other plan offers coverage for Ayush treatment up to the sum insured.
HDFC ERGO Optima covers pre-existing diseases after 3 years. Care Health Insurance covers pre-existing diseases after 4 years.

Hence, if you are someone who is already suffering from any pre-existing health illness, HDFC ERGO Optima Restore policy seems like a better option due to the shorter waiting period.

HDFC ERGO Vs Care Health Insurance Critical Illness Plans

Plan Features	HDFC ERGO Critical Illness Policy	Care Critical Mediclaim Policy
Coverage	Covers 50 life threatening illnesses: Cancer Heart Attack Stroke Major Organ Transplant Multiple Sclerosis Paralysis Kidney Failure Aorta Graft Surgery Coronary Bypass Surgery Brain Tumour End Stage Liver Disease Alzheimer Heart Valve Replacement Parkinson’s Disease Pulmonary Arterial Hypertension Crohn’s Disease Myelofibrosis Elephantiasis Progressive Supranuclear Palsy Severe Rheumatoid Arthritis Severe Ulcerative Colitis Progressive Supranuclear Palsy Brain Surgery Multiple Sclerosis with persisting symptoms Bacterial Meningitis End Stage Lung Failure Fulminant Hepatitis Eisenmenger’s Syndrome & More	Covers 32 life threatening illnesses: Cancer Heart Valve Replacement End Stage Liver Disease Stroke Angioplasty Parkinson’s Disease Alzheimer Heart Attack Paralysis Pulmonary thromboembolism Aplastic Anaemia Infective Endocarditis Balloon Valvuloplasty/Valvotomy Blindness Major Burns Organ Transplant Bacterial Meningitis End Stage Lung Disease Implantation of Pacemaker Cardio Artery Surgery Surgery of Cardiac Arrhythmia Pericardietomy Motor Neuron Disorder Coronary Artery Bypass Graft Cardiomyopathy Implantable Cardioverter Defibrillator Total Artificial Hearts Valvoplasty Heart valve repair
Renewability	Lifelong	Lifelong
Lumpsum Payout	Available	Disability and Accidental Coverage available
Sum Insured	₹ 5 Crore	Upto ₹ 2 Crore

Note: Please check the brochure to see the complete list of illnesess covered. https://www.hdfcergo.com/documents/downloads/HEHI/my-Health-Critical-Illness/my-health-Critical-Illness_Prospectus.pdf

Conclusion: While both plans are pretty much similar, Care Health Insurance covers 32 specific illnesses. HDFC ERGO Critical Illness policy offers coverage for 50 life-threatening illnesses. Hence, you must consider the health care needs of yourself and your family members and also check out the specified illnesses covered by each plan to make an informed decision.

Author Bio

This article is written by Team InsuranceLiya.com, an independent website that writes about insurance, finance, health, and more. Our writers have a wealth of knowledge, experience, and degrees in the fields of insurance, finance, economics, and beyond.

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ICICI Lombard Vs HDFC ERGO Health Insurance (A Comparison)

Post author By parastar
Post date May 22, 2023

ICICI Lombard vs HDFC ERGO (A Comparison)

When it comes to safe guarding your health, choosing the right insurance provider can seem like a daunting task. Two of the most renowned names are ICICI Lombard and HDFC ERGO. Both the companies offer a wide range of health insurance policies that cater to different health care needs of individuals. But how are their plans different from each other?

In this article, we will compare some key features of ICICI Lombard and HDFC ERGO. We will also compare two of their most popular plans for your better understanding.

Firstly let us look at some key features of both the health insurance providers

About the Company	ICICI Lombard	HDFC ERGO
Claim Settlement Ratio	99.7%	98.49%
Network Hospitals	7500+	12000+
Incurred Claim Ratio	76%	62%
Branches	200+	650+
Employees	10,000+	10,000+

Difference between ICICI Lombard vs HDFC ERGO Family Health Insurance Plans

Now, let us highlight the key differences between the family health plans offered by both the companies, to give you a fair understanding.

Plan features	ICICI Lombard Health AdvantEdge	HDFC ERGO Optima Restore Family
Hospitalization	Covered	Covered
Restore Benefit	100%	100%
No Claim Bonus	20% increase SI, for every claim free year, subject to a maximum of 100%	50% increase SI, for every claim free year, subject to a maximum of 100%
Co-payment	Available as optional add on cover	NA
Room Limit	No Capping	No Capping
Pre-Hospitalization	60 days	60 days
Post-Hospitalization	180 days	180 days
Health Check-up	Up to ₹ 10,000	Up to ₹ 10,000
Road Ambulance	Covered	Covered
Air Ambulance	Covered upto SI	Covered
Waiting period	Pre-exisiting diseases covered after 2 years	Pre-exisiting diseases covered after 3 years
Maternity Expenses	Covered	Excluded
Ayush	Covered	Excluded
Renewability	Lifelong	Lifelong
Sum Insured	₹ 2 lacs up to ₹ 3 Lacs	Starting from ₹ 3 Lacs up to ₹ 50 Lacs

From the perspective of a health insurance buyer, there are several key differences between the family floater plans offered by the two respective companies. As per our conclusion, we are highlighting some key differences:

Both plans offer lifelong renewability, ensuring that the policy can be renewed for the insured person’s entire lifetime. They also have similar benefits such as coverage for hospitalization, restore benefit, room limit, pre and post-hospitalization and so on.
A significant difference is in the coverage of maternity expenses. ICICI Lombard Health AdvantEdge includes coverage for maternity expenses, which can be beneficial for couples planning to start a family. In contrast, HDFC ERGO Optima Restore Family Plan excludes maternity expenses from its coverage. Therefore, if maternity coverage is a priority, ICICI Lombard’s plan would be more suitable.
Another major difference between both plans is the sum insured limit. HDFC ERGO Optima Restore offers a vast range of sum insured choices ranging from 3 Lacs up to 50 Lacs. While ICICI Lombard offers a limited range of sum insured options, only between 2 Lac and 3 lacs. Keeping in mind the rising costs of medical inflation, this might pose a challenge for persons who wish to provide adequate coverage for their family members.

From coverage point of view, HDFC ERGO Optima Restore Family provides a broader range of options, allowing you better coverage to meet your family’s healthcare needs.

ICICI Lombard Critical Illness Cover vs. HDFC ERGO Critical Illness Insurance

Plan features	ICICI Lombard Critical Illness Cover	HDFC ERGO Critical Illness Insurance ( Silver and Platinum Plan)
Coverage	Covers 9 life threatening illnesses: Cancer of specified severity Open chest CABG Stroke resulting in paralysis First Heart Attack Major Organ/Bone Marrow Transplant Kidney Failure Heart Valve Replacement End Stage Liver Disease	Covers 15 life threatening illnesses: Cancer Heart Attack Stroke Major Organ Transplant Multiple Sclerosis Paralysis Kidney Failure Aorta Graft Surgery Coronary Bypass Surgery Brain Tumor End Stage Liver Disease Alzheimer Heart Valve Replacement Parkinson’s Disease Pulmonary Arterial Hypertension
Renewability	Lifelong	Lifelong
Lumpsum Payout	Applicable on first diagnosis of any of the specified illnesses	Applicable on first diagnosis of any of the specified illnesses
Sum Insured	Starting from ₹ 5 Lacs	₹ 3 up to ₹ 12 Lakh

While both plans are pretty much similar, ICICI Lombard Critical Illness Cover focuses on a narrower range of nine specific illnesses, while HDFC ERGO Critical Illness Insurance provides coverage for fifteen life-threatening illnesses.

Hence, you must consider the health care needs of yourself and your family members and also check out the specified illnesses covered by each plan to make an informed decision.

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What is HDFC ERGO AMS? (Registration, Login & More)

Post author By parastar
Post date April 30, 2023

What is HDFC ERGO AMS? (Registration, Login & More)

HDFC ERGO Agency Management Systems (AMS) is a one-stop solution designed for HDFC ERGO affiliated agents and brokers to manage their customers’ insurance policies and streamline their operations. In this article, we will talk about how agents can benefit from HDFC ERGO AMS platform to improve their customer service. We will also talk about its features and steps to access the platform.

We will talk about the following:

What is HDFC ERGO AMS?
How to login into HDFC ERGO AMS
How to reset password on HDFC ERGO AMS
How to register on HDFC ERGO AMS
Features of HDFC ERGO AMS
FAQs about HDFC ERGO AMS

What is HDFC ERGO AMS?

HDFC ERGO Agency Management Systems (AMS) is an online platform designed by HDFC ERGO General Insurance Company for its affiliated agents and brokers so that they can manage their operations effectively. The platform provides a wide range of features to agents in order for them to manage their customers’ policies efficiently.

HDFC ERGO AMS enables HDFC ERGO agents to generate quotes, file and track claims, issue policies for their clients, and much more. The main objective behind this platform is that the affiliated agents can provide better quality customer service to their clients.

How to login into HDFC ERGO AMS

Below are the steps you can follow to login to the platform:

Step 1: Click on this official link, i.e., https://ams.hdfcergo.com/, to log in.
Step 2: Enter the user ID and password.
Step 3: Then click on “Log in.”

You will be successfully logged into the portal.

How to reset password on HDFC ERGO AMS

In case you have forgotten your password and are not able to log in,

Follow these simple steps to reset your password:

Step 1: Go to the login page. The link for the same has been given above.
Step 2: Click on “Forgot Password.”
Step 3: Enter the intermediary code or WCT number and click on “Submit.”
Step 4: You will receive an email with a link to change your password at your registered email address with the company.
Step 5: Click on the link and reset your password.

How to register on HDFC ERGO AMS

If you are a newly affiliated agent or broker with the company and want to register yourself on the portal,

Follow these simple steps to register:

Step 1: Visit the official page of HDFC ERGO AMS.
Step 2: Click on “Register Now.”
Step 3: Enter the WCT number and intermediary code. Then click on “Register.”
Step 4: Fill in the requested details, like name, mobile number, etc.
Step 5: Also, create a username and password for the account.
Step 6: Click on “Register” to complete the registration procedure.

Features of HDFC ERGO AMS

Below is a list of features offered on this online platform:

Policy Management: Agents can effectively manage and alter the insurance policies of their clients. They can also renew policies, submit, and track claims on behalf of their customers through the portal.
Customer Management: Agents can maintain and store all important data about their clients, such as KYC documents, claims histories, and policy details, in a secure database. This feature provides a 360-degree view of each customer’s account, making it easy for agents to access and update data through the portal.
Document Management: This platform secures and stores all the policy-related documents like invoices, policy deeds, claims authorization forms, etc. in a centralized location. This feature enables the company’s agents to manage all policy-related documents for their customers effectively.
Compliance Management: Agents will be informed regularly about any changes or updates to regulatory guidelines from IRDA so that they can work in compliance with the norms and avoid any penalties.

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HDFC ERGO Premium Calculator- Calculate your premium easily

HDFC ERGO Renewal- How to renew your policy (Simple Guide)

HDFC ERGO Login- How to login to your HDFC ERGO account

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Frequently Asked Questions

Yes, HDFC ERGO AMS is a secure platform, as the company uses advanced technology and IT measures to protect the data of its policyholders.

Yes, the platform is specifically designed for the company’s affiliated agents and brokers.

Insurance agents can manage a wide range of policies through the portal, such as health insurance, motor insurance, travel insurance, home insurance, and much more.

Below are the benefits of the platform:

Improved customer support
Improved work performance of agents
Efficient claim servicing and tracking
Improved customer satisfaction

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HDFC ERGO Self Help (Explained)

Post author By parastar
Post date April 27, 2023

HDFC ERGO Self Help (Explained)

HDFC ERGO’s Self Help platform enables existing HDFC ERGO policyholders to easily manage their insurance policies online. They can access a variety of insurance related services such as claim submission, claim tracking, complaint handling, transfer of policies, and much more.

In this article, we will talk about the following:

Overview of HDFC ERGO Self Help Portal
Guide to using HDFC ERGO Self Help Portal
Features of HDFC ERGO Self Help Portal

Overview of HDFC ERGO Self Help Portal

HDFC ERGO Self Help is an online platform provided by HDFC ERGO General Insurance for its customers. This Self Help portal intends to increases the convenience of HDFC ERGO policyholders. This online platform offers a wide range of self service features and tools that enable policyholders to manage their HDFC ERGO insurance policies online without having to go the branch or contacting the company’s customer care.

With HDFC ERGO Self Help, policyholders can do a variety of tasks such as renewing their policies, filing claims, tracking claims, downloading policy documents, grievance redressal, updating KYC and more.

Guide to using HDFC ERGO Self Help Portal

Steps that existing HDFC ERGO policyholders need to follow in order to use the Self Help portal:

Step 1: Go to the official website of HDFC ERGO, i.e., https://www.hdfcergo.com/, and click on the “Self Help tab.” You can also directly visit the portal by clicking on this official link: https://self-help.hdfcergo.com/SelfHelp/.
Step 2: Enter your policy number, registered mobile number, and email address to log into your profile.
Step 3: Once logged in, You will see an overview of your policies and their details. Explore the interface and get acquainted with the different services and features provided on the Self Help portal.
Step 4: Once you’ve acquainted yourself with the plethora of features and services on this platform, you can manage your policies at the comfort of your home.

Features of HDFC ERGO Self Help

Below are some features available on the Self Help portal:

Transfer of Motor Policy: Policyholders can now easily transfer their motor insurance policies to the new owner of the vehicle through HDFC ERGO’s Self Help platform, making the process simple and hassle-free. This feature eliminates the need to physically visit a branch office or engage in lengthy paperwork, allowing policyholders to complete the transfer process efficiently.
Policy Renewal: Policyholders can renew their policies by making the premium payments online through the Self Help portal. The platform is secure and uses advanced technology to ensure that customer data is protected at all times.
Submit and Track Claims: You can directly file a claim via the Self Help portal. To do so, click on the “Claims” tab. Follow the instructions and submit all the documents thoroughly. Policyholders can also track the status of their claim through this portal.
Downloading Policy Documents: You can download all policy-related documents, such as policy copies, health cards, tax certificates, etc., from HDFC ERGO’s Self Help portal.
Cancellation of Policy: If the policyholder wishes to cancel their policy for any reason with the company, they can do so directly on the portal. Click on ” Policy Cancellation Request”, enter the policy details, and initiate the request. You can also keep track of policy cancellation status on the portal.
e-KYC: You can register your identification proofs, such as your Aadhaar card, PAN card, and driver’s licence, with HDFC ERGO through the Self Help portal. This feature not only saves your time but also eliminates the hassle of visiting the branch of the insurer.
Customer Support: This Self Help portal provided by HDFC ERGO offers 24/7 customer support to its policyholder’s via email, phone, and also a live chat feature.
Feedback and Complaints: Policyholders can also provide feedback about their experience with HDFC ERGO through this portal. In case of any dissatisfaction on the policyholder’s end, they can register a complaint with the company.

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Frequently Asked Questions

Yes, HDFC ERGO’s Self Help portal is a safe platform, as the company uses advanced I.T security measures to ensure that customer data is protected at all time

To register yourself on the Self Help portal, visit the website of the company. Then click on the "Self Help" tab. Register your account using your policy details and registered mobile number.

Yes, you can transfer your motor insurance policies through the Self Help platform.

HDFC ERGO Premium Calculator- Calculate your premium easily

HDFC ERGO Renewal- How to renew your policy (Simple Guide)

HDFC ERGO Login- How to login to your HDFC ERGO account

HDFC ERGO Customer Care

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How to Cancel your HDFC ERGO policy?

Post author By parastar
Post date April 24, 2023

How to Cancel your HDFC ERGO Policy?

Cancelling an insurance policy can seem like a cumbersome task, especially if you are not aware of the process. It is important to understand the steps involved in the cancellation of a policy. Hence, in this article, we will talk about the step-by-step process of policy cancellation with HDFC ERGO and the terms for premium refund.

Steps to cancel HDFC ERGO Health Insurance Policy Online

You can choose to cancel your health insurance plan with HDFC ERGO online in a matter of minutes. Follow these simple steps to cancel your plan online:

Step 1: Visit the official website of HDFC ERGO, i.e https://www.hdfcergo.com/.
Step 2: Click on the “HELP” tab at the top right corner of the page or directly click on this official link: https://self-help.hdfcergo.com/.
Step 3: Click on “Cancel Policy” and select “Policy Cancellation Request.”
Step 4: Enter the policy number, mobile number, and registered email address and click “Continue.”
Step 5: You may be asked to submit relevant documents such as a policy copy, identity proof, and address proof for authentication purposes.
Step 6: The company may charge a cancellation fee, which will be deducted from the premium paid. The cancellation fee will vary depending on the type of policy and the duration for which the policy has been in force.
Step 7: Once the cancellation process is complete, you will receive a confirmation of policy cancellation on the registered mobile and email address.

However, you can also cancel the policy by visiting the nearest HDFC ERGO branch. You can also email the company at care@hdfcergo.com to initiate a policy cancellation request, or you can contact the company’s customer care number, i.e., 022 6234 6234 or 0120 6234 6234.

Documents Required

Original policy document
Receipt of the first premium payment
Cancelled cheque for refund

Terms for Premium Refund

As per the norms of IRDA, a free look period of 15 to 30 days is provided to the policyholder from the receipt of premium payment to evaluate their policy coverage thoroughly and make an informed decision.

In the case of HDFC ERGO, the company offers a free look period of 15–30 days to review the terms and conditions of the newly purchased policy. However, if the policyholder chooses to cancel the policy during this free look period, they can do so. The policyholder can then initiate a premium refund request from the company.

If the policyholder has not made any claims during the free look period, they will be eligible for a premium refund subject to the following conditions:

The premium paid will be deducted from any expenses incurred by the insurer for the medical examinations of the policyholder, stamp duty charges, etc.
In the event that the policy is cancelled during the free look period but the coverage is already in force, the policyholder will receive refund only for the remaining non-utilized coverage.

The policyholder will be refunded the premium amount according to the rates given below:

Cancellation period	% of premium to be refunded
Up to 30 days	75%
Up to 3 months	50%
3 – 6 months	25%
After 6 months	Nil

Steps to cancel HDFC ERGO Motor Insurance Policy Online

If you have recently purchased a motor insurance policy and find the coverage unsatisfactory or have any other reason to cancel it, you can do so. To cancel your motor policy online, you can follow these simple steps:

Step 1: Visit the official website of HDFC ERGO.
Step 2: Click on the “HELP” tab at the top right corner of the page or directly click on this official link: https://self-help.hdfcergo.com/.
Step 3: Click on “Policy Cancellation Request.”
Step 4: Enter your policy number, registered mobile number, and email address. Click on “Continue.”
Step 5: The insurer may ask you to submit applicable documents such as a policy copy, identity proof, and address proof for verification purposes.
Step 6: Once all the documents are submitted, HDFC ERGO will initiate the policy cancellation process.
Step 7: Once the policy is cancelled, you will receive confirmation about the same on your registered email address and mobile number.

You can also cancel the policy by visiting the nearest HDFC ERGO branch. Email them at care@hdfcergo.com to initiate a policy cancellation request, or call the company’s customer care number given above.

Terms for Premium Refund on Cancellation of HDFC ERGO Motor Insurance

The policyholder can claim a refund if they wish to discontinue the policy within the free look period provided by the insurer. The refund amount for cancellation of a motor insurance policy with HDFC ERGO will depend on multiple factors, such as the type of policy, the duration of the coverage that has been active, and so on.

Note: The policyholder will not be eligible for any refund on cancellation of the policy after the free look period offered by the company.

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Frequently Asked Questions

Below are a few common reasons the policyholder may choose to cancel their policy:

The policyholder finds the premium expensive as compared to the company’s competitor.
The policy terms and conditions were not fully understood by the policyholder.

It takes anywhere between 7 and 15 working days to receive the refund directly into your linked bank account.

The free look period is a specified time frame given to policyholders by the insurance company to thoroughly review the terms and conditions of the newly purchased policy. In the event that the policyholder is not satisfied with the policy coverage for various reasons, they may choose to cancel the policy. If policyholders cancel their policy during this period, the company will refund the premium amount paid by them.

HDFC ERGO offers a free look period of 15 days up to 30 days from the date of policy issuance, depending on the type or duration of the policy.

HDFC ERGO Premium Calculator- Calculate your premium easily

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HDFC ERGO Plans

HDFC ERGO Energy Plan Explained

Post author By parastar
Post date April 23, 2023

HDFC ERGO Energy Plan Explained

Are you looking for a diabetes health plan for yourself or a loved one? HDFC ERGO’s Energy Plan is one such plan that can safeguard the health and financial stability of individuals suffering from diabetes.

In this article, we will talk about the HDFC ERGO Energy Plan, its benefits, plan features, exclusions, claim process, renewal process, premium chart, and frequently asked questions.

HDFC ERGO Energy Plan

HDFC ERGO’s Energy Plan is a comprehensive plan designed to provide protection and support to individuals suffering from diabetes and hypertension. This plan offers coverage for Type 1 or Type 2 Diabetes Mellitus, Impaired Fasting Glucose (IFG), Impaired Glucose Tolerance (IGT), or Hypertension.

HDFC ERGO’s Energy Plan is designed to help you manage your health conditions by covering medical expenses such as doctor visits, medications, inpatient treatment, health check-ups, and so on. This plan is available in two variants: the Silver Plan and the Gold Plan.

HDFC ERGO’s Energy Gold Plan comes with the added benefit of a wellness program. As part of the program, the insured individual will have access to two complete medical checks during the policy year.

Benefits of HDFC ERGO Energy Plan

Below are a few benefits that the policyholder can avail of when opting for this plan:

In-patient Care: Along with offering comprehensive coverage, the plan will cover all hospitalization expenses arising out of diabetes and hypertension from day one of the policy period.
Pre-hospitalisation Expenses: Expenses related to any medical treatment that occurred 30 days prior to hospitalization will be covered by this plan.
Post-Hospitalisation Expenses: All medical expenses incurred within 60 days from the date of discharge will be covered under the plan.
Daycare Treatments: This plan covers 150+ daycare procedures and treatments.
Organ Donor Expenses: This plan covers medical expenses associated with the harvesting of organs from the donor for transplantation purposes.
Ambulance Charges: This plan covers ambulance services up to Rs. 2000 per hospitalization during the policy period.
Sum Restoration Benefit: This plan offers a 100% sum restoration benefit that automatically reinstates the sum insured once during the policy period in the event that the policyholder has exhausted their coverage limit due to hospitalization.
HbA1C Benefit: The company will reimburse up to Rs. 750 for an HbA1C test check-up once during the policy period.
No Claim Bonus: The company will increase the sum insured by 10% for every claim-free year, not exceeding more than 100% of the sum insured during any policy year.

Features of HDFC ERGO Energy Plan

Now, let us discuss a few key features of the HDFC ERGO Energy Plan:

Lifetime Renew-ability: HDFC ERGO’s Energy Plan comes with a lifetime renew-ability option, which means the policyholder can renew their policy lifelong without any bar or restriction on age limit.
Sum Insured: Both the variants, Gold and Silver Plan, have the same sum insured options, starting from Rs. 2 lakh up to Rs. 50 lakh.
Co-payment: The plan offers the flexibility of choosing between two options: with or without a 20% co-payment. Policyholders can choose to opt for the co-payment feature based on their preferences.
Policy tenure: The tenure of this policy is one year, and the policy can be renewed on a yearly basis.

Exclusions under the HDFC ERGO Energy Plan

Below are a few general exclusions under the HDFC ERGO Energy Plan:

Pre-existing Conditions: Any pre-existing illnesses other than hypertension and diabetes will be covered after a waiting period of two years.
Self-Harm: Any kind of intentional harm, like suicide, drug abuse, etc., suffered by the policyholder will not be covered under the policy.
Sexually Transmitted Diseases: Medical expenses arising out of any STDs or venereal illnesses like AIDS, HIV, herpes, etc. will not be covered under the policy.
Mental Disorders: The cost of treatment for any mental illnesses or psychiatric disorders such as schizophrenia, psychosis, and so on will not be covered under this plan.
Cosmetic Procedures: Expenses arising out of any obesity treatments or cosmetic procedures will not be covered under the plan.
Injury due to War: Any kind of injury suffered due to war, nuclear attacks, or criminal attacks will not be covered under the plan.
Adventurous Sports: Any injuries suffered due to participation in adventurous sports like bungee jumping, rock climbing, etc. will not be covered under the plan.

How to file a claim with HDFC ERGO Energy Plan?

Follow these simple steps to file a claim with HDFC ERGO Energy plan:

There are two ways the policyholder can file a claim: Cashless and Reimbursement Claim

Cashless Claim

Step 1: The policyholder can file a cashless claim when admitted to a network hospital of the insurer.
Step 2: Inform the insurance company immediately about the hospitalization by contacting HDFC ERGO’s customer care claims toll-free number, i.e., 022 6234 6234 or 0120 6234 6234.
Step 3: Always carry your cashless card and photo identification proofs.
Step 4: Dully fill out and sign the pre-authorization form available at the TPA department in the hospital.
Step 5: Once the pre-authorization form is received, the insurer will verify the claim.
Step 6: HDFC ERGO will inspect all the documents and approve the claim accordingly.

Note: In the event of a claim rejection, HDFC ERGO will state the reason for the same in writing.

Reimbursement Claim

The policyholder will have to file a reimbursement claim when admitted to a non-network hospital of HDFC ERGO. Follow these simple steps to file a reimbursement claim with the insurer:

Step 1: Get admitted to the nearest hospital and avail yourself of treatment.
Step 2: Inform the company immediately in the event of hospitalization.
Step 3: Post-discharge, submit all the required documents, like bills, reports, etc., to HDFC ERGO.
Step 4: After thorough verification, the insurer will reimburse the claim amount directly to your bank account.

Documents Required

Below are a few important documents that you need to submit in order to file a claim:

Original bills
All original test reports, x-ray scans, prescriptions, etc.
Discharge summary
Death certificate (if applicable)
FIR (if applicable)

How to renew HDFC ERGO Energy Plan?

Below are the steps to renew your HDFC ERGO Energy Plan:

Step 1: Visit the official website of the insurer, i.e., https://www.hdfcergo.com/.
Step 2: Go to the “Renew” tab at the top-right corner of the page.
Step 3: Select “Health Insurance.”
Step 4: Enter your policy number, registered email address, and mobile number, and click on “Renew Now.”
Step 5: Verify all the policy details and make the payment online. Your policy will be instantly renewed, and you will receive a confirmatory email to your registered email address.

HDFC ERGO Energy Plan Premium Table

Below is a sample premium table for the HDFC ERGO Energy Plan to give you a better understanding of policy coverage and its premium amount according to different age groups.

HDFC ERGO Energy Plan: Silver Plan (Without Co-payment Feature)

Age	SI- 2 Lakhs	SI- 5 Lakhs	SI- 15 Lakhs	SI- 25 Lakhs	SI- 50 Lakhs
18-35 years	Rs. 5,642	Rs. 9,697	Rs. 14,360	Rs. 18,789	Rs. 24,157
36-45 years	Rs. 6,733	Rs. 12,305	Rs. 18,220	Rs. 23,838	Rs. 30,648
46-50 years	Rs. 10,302	Rs. 16,923	Rs. 25,057	Rs. 32,785	Rs. 42,152
51-55 years	Rs. 12,510	Rs. 21,867	Rs. 32,376	Rs. 42,363	Rs. 54,465
61-65 years	Rs. 22,163	Rs. 36,497	Rs. 54,039	Rs. 70,704	Rs. 90,906
66-70 years	Rs. 29,695	Rs. 49,487	Rs. 73,274	Rs. 95,874	Rs. 123,266
71-75 years	Rs. 35,334	Rs. 60,159	Rs. 89,076	Rs. 116,549	Rs. 149,848
76-80 years	Rs. 45,886	Rs. 78,273	Rs. 115,896	Rs. 151,639	Rs. 194,964

HDFC ERGO Energy Plan: Gold Plan (Without Co-payment Feature)

Age	SI- 2 Lakhs	SI- 5 Lakhs	SI- 15 Lakhs	SI- 25 Lakhs	SI- 50 Lakhs
18-35 years	Rs. 10,642	Rs. 14,697	Rs. 19,360	Rs. 23,789	Rs. 29,157
36-45 years	Rs. 11,733	Rs. 17,305	Rs. 23,220	Rs. 28,838	Rs. 35,648
46-50 years	Rs. 15,302	Rs. 21,923	Rs. 30,057	Rs. 37,785	Rs. 47,152
51-55 years	Rs. 15,302	Rs. 26,867	Rs. 37,376	Rs. 47,363	Rs. 59,465
61-65 years	Rs. 27,163	Rs. 41,497	Rs. 59,039	Rs. 75,704	Rs. 95,906
66-70 years	Rs. 34,695	Rs. 54,487	Rs. 78,274	Rs. 100,874	Rs. 128,266
71-75 years	Rs. 40,334	Rs. 65,159	Rs. 94,076	Rs. 121,549	Rs. 154,848
76-80 years	Rs. 50,886	Rs. 83,273	Rs. 120,896	Rs. 156,639	Rs. 199,964

Learn more about the plan via the plan brochure.

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Frequently Asked Questions

No, this plan is specifically designed for individuals suffering from diabetes or hypertension.

Yes, it is mandatory to undergo a health checkup before purchasing this plan.

HDFC ERGO’s Energy Gold Plan comes with the added benefit of a wellness program. As part of this program, the policyholder will have access to two complete medical checks during the policy year.

Wellness Test 1: Body Mass Index (BMI), HbA1c, and Blood Pressure Monitoring.
Wellness Test 2: Total Cholesterol, Creatinine, High-Density Lipoprotein (HDL), HbA1c, FBS, Billirubin, Total Cholesterol: HDL Cholesterol, ECG, Blood Pressure Monitoring, BMI, doctor consultation, Serum Albumin, Gamma-Glutamyltransferase (GGT), Serum Glutamic Oxaloacetic Transaminase (SGOT), Serum Glutamic Pyruvic Transaminase (SGPT.)

Yes, this plan offers comprehensive coverage, protecting against all illnesses and accidents during the policy term.

Individuals between 18 and 80 years of age can opt for this policy.

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How to check your HDFC ERGO Claim Status

Post author By parastar
Post date April 18, 2023

How to check your HDFC ERGO Claim Status?

In today’s time, insurance has become an integral part of our lives offering financial support in times of crisis. An insurance policy offers much-needed assistance during difficult times. Hence, it is advisable that policyholders remain vigilant when it comes to monitoring and tracking their claims.

Hence in this article, we will guide you as to how you can keep a track of your claim status with HDFC ERGO.

What is Claim Status?
Importance of checking your Claim Status
How to check your HDFC ERGO Health Insurance Claim Status?
How to check your HDFC ERGO Motor Insurance Claim Status?
How to file a claim with HDFC ERGO?
Steps to file a policy-related grievance with HDFC ERGO

What is Claim Status?

In simple words, claim status refers to the present stage of the claim filed by the insured individual with the insurance company. It assists the policyholder in keeping track of the advancement of their claims. Policyholders can check their claim status in a matter of minutes through the official website of the insurer, through mobile apps, or by reaching out to the customer support team of the insurance company.

Importance of Checking Claim Status

Once you have filed a claim with your insurance provider you must keep a track of the claim status. Knowing the status of your claim allows you to stay informed about the progress of your claim. This provides you with updates on issues like the additional requirements of other documents. Tracking the claim status can also assist the policyholder in anticipating when they can receive the claim amount so that they can manage their finances accordingly.
In conclusion, keeping track of your claim status not only provides you with important policy-related information but also relieves any stress related to the claim process.

How to check your HDFC ERGO Health Insurance Claim Status?

To check the claim status of your HDFC ERGO health insurance policy, follow the steps below:

Step 1: Visit the official website of the insurer i.e https://www.hdfcergo.com/
Step 2: Click on the “Claim” option at the top right corner, and then click on the “Track Claim Status.”
Step 3: Enter all the requested details like policy number, registered mobile number, and date of birth to successfully log in.
Step 4: The current status of your claim will be displayed.

Also, you can use the AI chat-box called “DIA” on the company’s website to track your claim status. Enter your policy details, select the “Claims” option, and click on “Check Claim Status” to know the present status of your claim.

Check Claims via HDFC ERGO Mobile App: You can also download the HDFC ERGO Mobile Application to check your health insurance claim status. Enter your policy number and registered mobile number to log in successfully, then click on “My Policies,” and select the “Track Claim” option to know the recent status of your policy.

The policyholder can also contact the company’s customer care at 022 6234 6234 and can also write a mail to the official email address i.e preauth@hdfcergo.com.

How to check your HDFC ERGO Motor Insurance Claim Status?

Now let us guide you on how you can track your HDFC ERGO Motor Insurance Claim Status Online

Follow these simple steps to track your motor insurance policy claim status in a matter of minutes:

Step 1: Go to the official website of HDFC ERGO at www.hdfcergo.com.
Step 2: Click on the “ Claims” section at the top right corner of the page.
Step 3: Then select “ Track Your Claim”.
Step 4: Enter all the requested details like policy number, claim number, etc.
Step 5: Select “Track” to view the current status of your car insurance claim.

You can also check HDFC ERGO motor insurance claim status by visiting the nearest branch of the company or contacting the company’s customer care toll-free number.

How to file a claim with HDFC ERGO?

To file a claim with HDFC ERGO follow these simple steps:

Step 1: Inform the insurer immediately in case of any unforeseen event. You can inform the insurer by calling their customer care toll-free number.
Step 2: Depending on the nature of the claim, submit all required documents such as medical bills or car bill invoices to HDFC ERGO.
Step 3: After a thorough verification the claim will be approved by the company.

Steps to file a policy-related grievance with HDFC ERGO

Step 1: Visit the official website of HDFC ERGO.
Step 2: Click on the “Contact US” option at the top right corner of the website.
Step 3: Then select the “Grievance Redressal” tab placed on the menu below.
Step 4: Click on the “Register Your Grievance” option.
Step 5: Mention your grievance along with other details like policy number, claim number, etc, and click on “Submit.”

After you have registered your complaint HDFC ERGO will investigate the case and provide a resolution within a specific time limit. In case you are not satisfied with the resolution you can escalate the case to the Grievance Redressal Officer of IRDA.

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HDFC ERGO Premium Calculator- Calculate your premium easily

HDFC ERGO Renewal- How to renew your policy (Simple Guide)

HDFC ERGO Login- How to login to your HDFC ERGO account

Frequently asked questions

The company takes anywhere between 7 days and up to 30 working days, depending on the case to process the claims.

Yes, your policy claim status can be easily checked online through the official website of the insurer.

Claim status refers to the current stage of a claim filed by a policyholder with their insurance provider. A claim status provides information about the progress of the claim, and whether it has been approved.

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HDFC ERGO Claim Settlement Ratio

Post author By parastar
Post date April 17, 2023

HDFC ERGO Claim Settlement Ratio over the years

Are you planning to purchase an insurance policy offered by HDFC ERGO or are you already an existing customer? Then, it would be cognizant of you to know about the claim settlement ratio of HDFC ERGO.

Knowing the claim settlement ratio of a company can give you an accurate idea of the claim servicing temperament of an insurance company, and is an important metric that potential policyholders should keep their eye on.

In this article, we will talk in detail about:

Meaning of Claim Settlement Ratio and its Importance
HDFC ERGO Health Insurance Claim Settlement Ratio
HDFC ERGO Car Insurance Claim Settlement Ratio
How to file a claim with HDFC Ergo Health Insurance?

Meaning of Claim Settlement Ratio and its Importance

In simple terms, a claim settlement ratio means the percentage of total claims paid by the insurance provider out of the total claims reported during the financial year. A claim settlement ratio or CSR is one of the most crucial indicators to keep in mind when deciding on an insurance company as this ratio indicates how dedicated and reliable the company is in settling genuine claims.

Higher the claim settlement ratio of the insurance company, the more likely it is to settle the claims of its policyholders. The claim settlement ratio or CSR applies to all insurance-related plans and policies like term insurance, health insurance, motor insurance, and so on.

A claim settlement ratio or CSR higher than 75% is considered to be a good claim settlement ratio. A claim settlement ratio above 90% is deemed to be an excellent ratio signifying that the company is highly efficient in settling the claims of its customers. A claim settlement ratio below 50% indicates that the insurance provider is strict in processing, assessing claims and underwriting standards.

For instance, if an insurance company has received a total of 10,000 claims out of which it settles 8,500 claims, then the CSR of that company for that financial year is 85%.

HDFC ERGO Health Insurance Claim Settlement Ratio

HDFC Ergo has an in-house claim settlement team that is dedicated to processing and settling the claims of its customers. You can now easily register your claim with the company in a matter of minutes. The in-house claim settlement team will direct and guide you in every step of the process. Below mentioned is the claim settlement ratio (CSR) of HDFC ERGO for the following years:

Financial year	Claim settlement ratio
FY 2021-2022	86.52%
FY 2018- 2019	62%

HDFC ERGO Motor Insurance Claim Settlement Ratio

As mentioned earlier, the company’s in-house team provides dedicated service to its customers during the claim settlement process. The company takes up to a period of seven working days from the date of submission of all documents to process claims.

Below provided is the claim settlement ratio of HDFC ERGO Motor Insurance for the following years:

Financial year	Claim settlement ratio
FY 2022- 2023	99.8%
FY 2020 – 2021	91.23%
FY 2018- 2019	75.90%

How to file a claim with HDFC ERGO Health Insurance?

Follow these simple steps laid down by us to file your claim with HDFC ERGO Health Insurance:
There are two ways a policyholder can file a claim. You can opt for a cashless or reimbursement claim process. First, let us tell you about the cashless claim process.

Cashless Claim

Step 1: Find the nearest network hospital of the insurer to avail of treatment. The company has more than 10,000 network hospitals where you can opt for medical assistance.
Step 2: Inform the company within 24 hours in case of an emergency or 48 hours before planned hospitalization.
Step 3: Submit your HDFC ERGO cashless card to the insurance department in the hospital.
Step 4: Duly fill and sign the pre-authorization form available at the hospital. The hospital will send all the documents to the insurance company for verification.
Step 5: After thorough verification, the company will approve the claim.

Note: In case, the claim has not been approved the company will state the reasons for the same in writing.

Reimbursement Claim

The policyholder can file for a reimbursement claim when admitted to a non-network hospital of the company. In such a scenario, the policyholder will have to avail of the treatment and pay the hospital bill from his own pocket. The insurance company will then reimburse the policyholder after initiation and proper submission of documents.

Follow these simple steps laid down to initiate a reimbursement claim:

Step 1: Get admitted to the nearest hospital and avail of treatment.
Step 2: Inform the company within 24 hours in case of an emergency or 48 hours before planned hospitalization.
Step 3: Post-discharge submit all the required documents like bills, reports, etc to the insurance company.
Step 4: After thorough verification, the company will reimburse the claim amount directly into your bank account.

Documents Required

Below provided are a few important documents that you need to submit in order to file for a claim:

Original bills
All original test reports, x-ray scans, prescriptions, etc
Original discharge summary
Death certificate (if applicable)
FIR (if applicable)
KYC

Conclusion

It is always advisable for customers to be vigilant and check the claim settlement ratio of an insurance company before purchasing its plans. The whole purpose of buying an insurance product is to protect oneself during tough times. Therefore, it is recommended to purchase a plan from an insurance company that has a high claim settlement ratio even if the insurance company charges a marginally higher premium compared to its competitors.

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HDFC ERGO Travel Insurance (A Simple Guide)

HDFC ERGO Premium Calculator- Calculate your premium easily

HDFC ERGO Renewal- How to renew your policy (Simple Guide)

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HDFC ERGO Travel Insurance (A Simple Guide)

Post author By parastar
Post date April 16, 2023

HDFC ERGO Travel Insurance (A Simple Guide)

Are you planning to take a trip abroad for work or pleasure? Getting a travel insurance policy is imperative. Certain countries even mandate their visitors travel insurance policies. Want to know about HDFC ERGO travel insurance? Well, you have come to the right place. In this article, we will talk in detail about HDFC ERGO travel insurance, its features, plan benefits, types of travel insurance plans, and much more.

What is Travel Insurance?
Travel Insurance in India.
HDFC ERGO Travel insurance.
Features of HDFC ERGO Travel Insurance plans.
HDFC ERGO Travel Insurance Plan benefits.
Travel Insurance Plans by HDFC ERGO.
How to purchase HDFC ERGO Travel Insurance Plans?
How to renew HDFC ERGO Travel Insurance Plans?
How to file a claim with HDFC ERGO Travel Insurance Plans?
Exclusions under HDFC ERGO Travel Insurance Plans.
How to file a claim with HDFC ERGO Travel Insurance Plans?

What is Travel Insurance?

Travel insurance is an insurance product that financially compensates the policyholder against various risks while traveling abroad or in the country. In simple terms, the insurance company will indemnify the policyholder in case of any unforeseen events like any medical emergency, loss or theft of baggage, flight cancellations, etc, depending on the terms of the policy.

Travel insurance in India

According to a survey conducted by a leading insurance company travel insurance in the country has skyrocketed post-COVID-19.
As per the survey reports only 50% of international travellers bought a travel insurance policy. Post the COVID-19 outbreak this number has drastically increased to 76%.
Another finding from the survey suggests that awareness of purchasing travel insurance plans has increased up to 90% from 76% post-pandemic.

HDFC Ergo Travel Insurance

HDFC ERGO offers a plethora of travel insurance plans that provide comprehensive coverage to both domestic and international travelers. The company offers a vast range of travel plans for families, individuals, students, and people who frequently travel due to work.

HDFC ERGO travel plans offers cashless facility in over 1 Lakh hospitals worldwide. Plans offered by the company provide coverage in more than 20 Schengen countries and 18 other countries.

Features of HDFC ERGO Travel Insurance plans

Cashless Hospitalization: HDFC ERGO has more than 1 Lakh network hospitals all around the world which will provide cashless facilities to the policyholder in case of any emergency hospitalization while traveling.
Countries Covered: Plans offered by the company provide coverage in 25 Schengen countries and various other countries.
COVID-19 Coverage: Travel plans by HDFC ERGO provide coverage against COVID-19. In case the policyholder contracts COVID-19 while traveling abroad the hospitalization expenses for the same will be taken care of by the company.
Customizable Plans: HDFC ERGO plans are customizable according to the preference and needs of the individual. The policyholder can choose from a range of cover options such as flight cancellations, lost luggage, medical expenses, etc while traveling. Certain policies also allow you to select the sum insured or the coverage limit needed for the trip.
24/7 Customer Support: HDFC ERGO provides 24-hour customer support for quick assistance to its customers in case of any emergency like theft, loss of baggage, etc in all covered countries.
In-house Claim Settlement: The company provides in-house claim settlement for its customers which means there’s no involvement of any third-party administrator (TPA). HDFC Ergo has a dedicated team of experts who looks after the claim settlement process providing a smooth experience for its customers.

HDFC ERGO Travel Insurance Plan benefits

Below provided are some general plan benefits of HDFC Ergo travel insurance plans. These benefits may vary from policy to policy.

Medical Expenses: HDFC ERGO’s travel plan cover medical expenses like inpatient, and outpatient care, therapies, diagnostic tests, and so on due to any illness or injury suffered while traveling.
Accidental Death Cover: Travel plans by HDFC ERGO also provide accidental death coverage in which the company provides financial compensation to the nominee of the policy in case of accidental death of the policyholder.
Accidental Disability Cover: The company also provides accidental disability coverage which provides compensation in case of total permanent disablement suffered by the policyholder due to an accident.
Emergency Medical Evacuation: HDFC ERGO travel plans offer a unique benefit that provides coverage for an emergency medical crisis such as medical evacuation by air or road to the nearest hospital for treatments.
Coverage for Loss of Passport: The plans also offer to cover the cost of a passport and other crucial documents in case of loss or theft.
Coverage for Flight Delay: Plans by HDFC ERGO travel insurance also offer reimbursement in case the policyholder’s flight is delayed for more than 12 hours from the scheduled departure time.
Worldwide Coverage: Travel plans offered by the company provide comprehensive worldwide coverage that protects you and your loved ones while traveling on vacation or for any work-related purposes.

Travel Insurance Plans by HDFC ERGO

Below provided are the notable plans offered by the company:

1.) Student Travel Insurance Plan

The student travel policy is designed for students who are planning to travel abroad for higher education. This plan will secure a prolonged stay abroad so that the student can solely concentrate on their studies without worrying about the losses caused due to any unforeseen incidents. Any Indian student already residing overseas can also purchase this plan. This plan offers sum insured options starting from $100000 up to $250000.
This plan is available in five variants: Platinum, Gold, Silver, Bronze, and Standard.

Plan Benefits

This plan covers all medical, evacuation, and repatriation expenses of the insured student studying abroad.
Worldwide coverage is provided to the insured student starting from one month up to 2 years.
This plan also covers the risk of theft or loss of a passport.
This plan also provides financial compensation in case of study interruption due to personal reasons such as the death of a family member.
This policy also indemnifies the payment of the bail amount of the student in case of incarceration of the student for any offense.
Medical tests are not mandatory to purchase this policy.

Plan Eligibility

Age: From 16 years up-to 35 years.
All Indian students studying abroad are eligible to purchase this plan.

2.) HDFC ERGO Family Travel Insurance Plan

This type of travel plan is ideal if you are planning a vacation with your family members. It is an affordable option allowing you to insure all your family members under a single travel policy at an affordable premium. This plan offers a wide range of sum insured options starting from $ 50,000 up to $ 500,000. This policy is available in five variants: Platinum, Gold, Silver, Bronze, and Standard.

Plan Benefits

This plan offers cashless treatment in more than 1 lakh hospitals all around the world in case of a medical emergency.
The policy provides financial compensation in case of any total permanent disability suffered while traveling.
This plan also covers the cost of any accidental dental injury suffered while traveling.
The plan covers the cost of baggage or personal documents lost or stolen up to the sum insured.
The company will provide financial compensation to the nominee of the policy in case of the accidental death of the policyholder.
The plan will also financially compensate in case of hijack of the airplane or train in which the insured has travelled.

Plan Eligibility

Single trips: 6 months to 70 years.
Multi trips: 18 years up to 70 years.

3.) HDFC ERGO Multi-trip Travel Plan

This plan is ideal for individuals who have to travel frequently due to work or any other purpose. In this plan, the policyholder can avail of coverage for multiple trips under the same cover. HDFC ERGO‘s Multi-trip plan is available in four variants; Platinum, Gold, Silver, and Asian Region. The plan offers a wide range of coverage options from USD 5,00,000 to USD 25,000.

4.) HDFC ERGO Individual Travel Insurance Plan

This plan is designed for individuals who travel solo offering a wide range of benefits at an affordable premium. HDFC ERGO’s travel plan is available in five variants; Platinum, Gold, Silver, Bronze, and Asian region. The sum insured ranges from USD 5,00,000 to USD 25,000.

Plan Benefits

The policy covers cashless hospitalization in network hospitals worldwide.
This plan provides financial compensation in case of loss or theft of baggage.
This plan covers accidental death while traveling.
Any accidental disability while traveling will be compensated.

How to purchase HDFC ERGO Travel Insurance Plans?

Follow these simple steps laid down by us to purchase a travel insurance policy with HDFC ERGO.

Step 1: Visit the official website of the company i.e https://www.hdfcergo.com/
Step 2: Click on the “BUY” option at the header of the page and select travel insurance.
Step 3: Select the type of travel insurance plan you wish to purchase.
Step 4: Fill in all the required details like destination, number of passengers, and so on.
Step 5: You will be redirected to the quotes page where you will be offered the right plan for your requirements.
Step 6: You can make the payment directly via a debit or credit card. Your policy will be instantly generated or you can also purchase an HDFC Ergo travel plan by visiting the nearest official branch of the company.

How to renew HDFC ERGO Travel Insurance Plans?

Follow these simple steps to renew your travel insurance plan with HDFC ERGO:

Step 1: Visit the official website of the insurer and click on the “Renew” option.
Step 2: Fill in the requested details like policy number or registered mobile number to log in.
Step 3: Verify all the policy details and make the premium online.
Step 4: Your policy will be instantly renewed and you will receive a confirmatory email on your registered email address, or you can also renew your travel insurance policy by visiting the nearest branch of HDFC ERGO.

How to file a claim with HDFC ERGO?

As mentioned earlier, HDFC ERGO has a dedicated in-house claim settlement team that looks after providing an efficient claim settlement experience for its policyholders.

Note:

You must immediately inform the insurer in case of an emergency on its claim intimation number i.e +91 22 6234 6234/+91 120 6234 6234.
You can also contact the insurer on its claim’s intimation India landline number +91-120-4507250.
You can also intimate the insurer on an official email address i.e travelclaims@hdfcergo.com.

Follow these simple steps to facilitate a claim with HDFC ERGO Travel Insurance:

Step 1: You must immediately inform the insurance company in case of any emergency.
Step 2: Please visit travelclaims@hdfcergo.com and get a list of network hospitals to avail treatment.
Step 3: The claims team will share the required documents for a cashless claim.
Step 4: You can also download the digital claim form available on the official website of the company.
Step 5: Send the dully filled digital claim form with all the necessary documents to the company.
Step 6: After verification by the company the claim will be approved.

Exclusions under HDFC ERGO Travel Insurance Plans

Following are some general exclusions under HDFC Ergo travel plans. These exclusions may vary from policy to policy.

Pre-existing Conditions: Travel plans by HDFC ERGO will not cover any pre-existing conditions suffered by the policyholder before traveling.
Self-inflicted Injury: Any self-inflicted harm or injury caused to the policyholder like suicide, etc will not be covered under the policy.
Injury due to Adventure Sports: Any injury suffered due to participation in any kind of adventurous sport like rock climbing, scuba diving, paragliding, bungee jumping, etc is not covered under the plan.
Cosmetic Procedures: Any cosmetic treatments like botox, lip augmentation, etc will not be covered the plans.
Obesity Treatment: Any cost of treatments arising due to an obesity procedure or surgery will not be covered under the plan.
Health hazard due to breach of law: Any coverage for health problems that insured individual may experience due to illegal activities on their part like smoking illegal substances or drug abuse will not be covered by the insurer.

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Frequently asked questions about HDFC ERGO Travel Insurance

This truly depends on the requirements, preferences, and budget of the individual. For example, If you are traveling with your family, it’s best to choose a family floater plan that covers your entire family in a single policy. Also, you can avoid the irritant of buying travel insurance for every trip by opting for a Multi-trip plan if you are a frequent traveller. If you are traveling abroad for higher studies, then a student plan is the best option for you.

Travel insurance plans generally do not cover any pre-existing conditions, mental illnesses, cosmetic procedures, and so on.

70 years is the maximum age to buy a travel insurance plan with the company.

Yes, you can alter the travel dates in your policy before the policy commencement date to a later date.

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HDFC ERGO Premium Calculator- Calculate your premium easily

Post author By parastar
Post date July 12, 2021

How to use the HDFC ERGO Premium Calculator (Guide)

The HDFC ERGO premium calculator will help you calculate the expected premium amount that you will need to pay to get an insurance coverage from HDFC ERGO. No more guess work, find out the exact amount you would need to pay to get an insurance policy.

You can calculate your premium amount by following the below mentioned steps.

Steps to use the HDFC ERGO Premium Calculator

Step 1.) Visit HDFC ERGO Premium Calculator Page

Visit the HDFC ERGO premium calculator page
Navigate to the “Calculate My Health Insurance Premium” link at the bottom of the page and click on it.
Clicking on the link will now take you to the HDFC ERGO Premium Calculator tool. This is where you will need to enter your details.

You can also access the HDFC ERGO Optima Restore premium calculator tool directly if you want to calculate the premium for your Optima Restore policy.

Step 2.) Enter Your Details

You will need to enter the following details accurately:

Select your plan type (Single or family floater)
Date of birth of self, spouse, children
Name
Mobile number
Email ID
Pincode
State
City

Please click on the “Calculate Premium” premium button to get the estimated premium rates for your policy.

Step 3.) Additional Details

The company will ask for certain additional details like the following:

Medical history
Sum assured
Whether anyone in the family has a pre-existing condition
Optional riders
Policy type

Kindly enter the requested information truthfully and accurately. Post this, you will get a price quote from the company for the policy type that you have selected.

Features and Benefits of HDFC Premium Calculator

Easy to use: The HDFC ERGO premium calculator is intutive and easy to use, policyholders and prospective policyholders can use it without any difficulty. Further, you don’t need to consult an agent as well, you can find out what the premium is directly through the tool.
Ensures clarity: If an agent has quoted you a particular premium amount, you can cross-verify this amount with the company directly by using the HDFC ERGO premium calculator tool. This leads to transparency and trust.
Accurate: The premium calculator tool is up to date and accurately depicts the premium rate expected based on the chosen policy and ancillary information added by the user.

How is the Rate of Premium Determined?

The rate of premium is determined based on the information added by the user. The determinants of the rate of premium are:

Age of the user
Type of policy
Existing health condition of the user
Whether the person is suffering from a pre-existing condition (this will increase the premium)
Smoking and drinking habits
Location of the person
Amount of coverage opted for

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