HDFC ERGO is a joint venture between HDFC and German insurance company ERGO International. The company was formed in the year 2002. It operates with a pan India presence with more than 10,000+ network hospitals and an employee strength of 3000+ individuals.
The insurer has been rated iAAA by ICRA, a professional investment and credit rating agency, for its highest claim settling capability. HDFC ERGO offers a wide range of insurance products and services ranging from health, life, motor, travel insurance, and much more.
HDFC ERGO has been awarded numerous awards such as ‘ The Best General Insurance Company’ in India for the year 2014 by IAIR and ‘The Best Customer Experience’ award by KamiKazi to name a few.
In this article, let us discuss the following:
Claim settlement rotio
022 6234 6234 / 0120 6234 6234
|Plan names||About the plan|
|My: Health Koti Suraksha Plan||This plan is designed to offer a high sum insured up to Rs 1 Crore providing the policyholder more than sufficient coverage for all their healthcare needs while protecting their finances.|
|HDFC ERGO Optima Restore Plan||This health plan comes with a unique sum restoration benefit which automatically restores the sum insured in case the policyholder exhausts the coverage limit due to any previous claim.|
|HDFC ERGO My Health Suraksha||This is a comprehensive health plan that comes with many advantages like sum refill benefit, a cumulative bonus that increases your sum insured after every claim-free year, mental health cover, and much more.|
|It is available in 3 variants – Silver, Gold, and Platinum Smart Plan|
|HDFC ERGO Health Medisure Super Top-Up Plan||This is a super top-up plan that will come into force when the policyholder has exceeded the sum insured limit of their base health policy or once the deductible under the plan is paid. It is an ideal plan for families that offers high sum insured at an affordable premium.|
|HDFC ERGO My Health Women Suraksha Plan||This plan is designed to cover 41 types of women-specific critical ailments and surgical procedures.|
|HDFC ERGO Critical Illness Insurance Plan||This plan is designed to protect you and your loved ones against 15 critical and life-threatening illnesses. This plan is available in 2 kinds of variants: Silver and Platinum Plan.|
|HDFC ERGO iCAN Cancer Health Insurance||This is a cash benefit plan that covers hospitalization expenses incurred in the treatment of cancer and also pays an additional 60% of the sum insured when the policyholder is diagnosed with cancer of specified severity.|
|HDFC ERGO Health Plan for Caring Families||This is a family floater plan that offers broad coverage to you and your loved ones covering major hospitalization expenses arising out of any illness or injury.|
|HDFC ERGO Health Plan for Aspiring Individuals||This is a complete healthcare plan for individuals that takes care of major medical contingencies at an affordable premium.|
|HDFC ERGO Medisure Classic Insurance Plan||This plan is intended to offer exhaustive coverage that covers all healthcare-related expenses and also offers automatic reinstatement of the sum insured, along with various other benefits.|
|HDFC ERGO Health Plan for Senior Citizens||This plan is designed to take care of basic and essential medical expenses of individuals above the age of 60 years. It offers a wide range of sum insured options up to Rs 5 Lakh.|
|HDFC ERGO Health Insurance for Diabetic||This plan is designed to meet the medical expenses of persons suffering from diabetes and their complications. It is an ideal plan for persons suffering from diabetes.|
|HDFC ERGO Arogya Sanjeevani Plan||This is a basic health care plan that is designed to cover hospitalization expenses up to the sum insured.|
|HDFC ERGO Corona Kavach Plan||This plan is dedicated to cover the hospitalization expenses incurred in the treatment of COVID-19.|
|HDFC ERGO I Health Wallet Plan||This plan is meant to cover the cost of inpatient and outpatient treatments. It is available on an individual and family floater basis.|
HDFC ERGO has more than 10,000+ chain of network hospitals across the nation, giving access to hassle-free and top-quality healthcare treatments.
The company has an impressive track record when it comes to settling claims. The insurer has an ideal claim settlement ratio of 86.52%, signifying that the company is efficient in settling legitimate claims.
The company has established its prominent name in the insurance sector by its impressive financial performance over the last many years. It has also received many awards and recognitions for the same.
The company offers 24/7 customer support to its customers when it comes to settling claims, renewals, and other insurance-related queries.
The company offers a wide variety of health plans catering to all kinds of customers and their needs. It offers several health plans for individuals, aging parents, senior citizens, women-specific plans, and much more.
Plans offered by the company offer you a lifelong renewal option that means that the insured can renew the health plan without any limitation or bar on the age limit.
Various plans offered by the company come with an inbuilt sum refill feature, which provides automatic reinstatement of the sum insured in case the policyholder exhausts the coverage limit due to previous claims.
Receive the benefit of a cumulative bonus which increases your sum insured during the claim-free years.
Avail the benefit of fast and efficient cashless treatments in more than 10,000+ network hospitals all around the nation
Along with comprehensive coverage, the company also provides additional value-added benefits like health coaching, dietician, nutritionist, and weight management programs.
Multiple add-on covers or raiders like maternity, newborn baby cover, job loss cover available to help you customize or boost your health plan as per your preference.
You can easily buy a health plan with us on InsuranceLiya.com.
Step 1: Simply furnish us with your name, email, and mobile number.
Step 2: We will call you shortly and assist you with a suitable plan for you or your family.
Here are two ways the policyholder can file a claim:- cashless or reimbursement claim.
You can file for cashless claim if you are admitted to a network hospital of the company.
Follow the simple steps laid down by us to file for the cashless claim.
Step 1: Inform the company 72 hours in advance in case of a planned hospitalization or within 24 hours in case of emergency hospitalization. You can also inform the insurer at their toll-free helpline number 1800-2-700-700
Step 2: Submit your HDFC ERGO health card, identification proof, and duly filled pre-authorization claim form to the insurance desk/ TPA at the hospital. You can download the form from the official website of the company.
Step 3: The hospital will send the claim request to the insurer to receive approval for the same.
Step 4: The company will verify the claim request.
Step 5: After verification, your claim shall be approved and the insurer will directly settle the bill with the hospital before discharge.
You will have to file for a reimbursement claim when you get admitted to a non-network hospital of the company or when your cashless claim is not accepted.
In a reimbursement claim, you will have to initially pay the hospital bill from your pocket and then you can file for a refund from the company.
Follow the simple steps laid down by us to file for reimbursement claim.
Step 1: Inform the company 72 hours in advance in case of a planned hospitalization or within 24 hours in case of emergency hospitalization. You can inform the insurer at their toll-free helpline number 1800-2-700-700.
Step 2: After discharge, collect all supporting documents and submit them to the company to begin the refund process.
Step 3: The company will verify the authenticity of the claim.
Step 4: After verification, the claim will be approved and the company will directly transfer the claim amount to the insured’s linked bank account.
It is imperative to renew your health policy on time to enjoy the continuous benefits provided under your plan. Follow these simple steps to renew your HDFC ERGO Health Insurance policy.
Step 1: Visit the official website of the insurer i.e
www. hdfcergo.com and click on the ” Renew” option.
Step 2: Enter the existing policy details.
Step 3: Check your premium details.
Step 4: Pay your premium online.
Step 5: Your policy will be instantly renewed. You will receive a confirmatory email with a premium payment receipt on your registered email id.
You can also renew your HDFC ERGO health policy by directly visiting the nearest branch and state your renewal request
You can also connect with the company’s customer care officials on 7304-524-888, 022 6234 6234, 0120 6234 6234 for the same.
You can instantly calculate premiums with the help of a health premium calculator available online. To do so enter the following details in their premium calculator to get the premium amount.
Are you looking for a new HDFC ERGO insurance policy or a policy renewal? Reach out to us and let us assist you.