Health Insurance is a medical coverage that helps you meet your medical expenses by offering financial assistance. Due to the high cost of hospitalization expenses it is important to have a health insurance plan in place. HDFC ERGO’s health insurance policies take care of the hospitalization and treatment charges, leaving you free of financial woes. So get yourself a health insurance plan now.
Health insurance in this situation will be highly beneficial, as it will provide cover against expenses that you may incur in order to get the required treatment. There are numerous hospitalisation expenses involved for getting treatment in case you suffer from Coronavirus. While you focus on quick recovery, we take care of your medical expenses by covering diagnosis, consultation costs at the time of pre hospitalization and post hospitalization as well. We also offer coverage for day care treatments if your treatment gets done in less than 24 Hours. Choose HDFC ERGO, a brand that has brought smiles to 1 crore+ customers.
If you already have a health insurance plan with HDFC ERGO, be rest assured we will cover hospitalisation expenses due to Coronavirus.
Know more about coronavirus insurance and Healthcare facilities.
Note: Every policy offered by HDFC ERGO comes with a waiting period of one month for making a claim against non accidental hospitalization. Please refer to your policy wordings, brochure for a detailed list of inclusions and exclusions. The above information is for illustrative purpose.
A health insurance plan can be of several types and you can choose the best plan depending upon your requirements.
Rising lifestyle diseases may hold you back from achieving life goals. It is wise to buy health insurance by HDFC ERGO, as it promises to cover medical expenses without restrictions.
Ensure quality health care for your dear ones without disturbing your savings. Our family health insurance plans, ensure all round health protection at an affordable premium.
Undoubtedly, health issues are the biggest cause of financial stress in old age. Tackle health distress without any dent on your savings with our health insurance plans for parents.
We offer health insurance plans that ensure no entry-age restrictions and offer lifetime renewability, designed specially for benefitting senior citizens.
Designed specifically for a woman who is looking to secure her future medical expenses with an all-round comprehensive plan, this medical insurance plan aims at covering women-specific surgeries and major illnesses.
Critical illness treatment may lead to a financial crunch. With our critical illness health insurance get lump-sum benefit on diagnosis, which helps you go a long way in dealing with financial distress.
To ensure you never fall short of health coverage, choose this health insurance and get a higher coverage of 20 lacs at an affordable premium.
This acts like a magical back-up, which recharges your exhausted health cover to treat the next hospitalization of a new illness or injury.
Do you like the idea of paying your health insurance premium in installments? If yes, then get your health cover with us and make the most of our installment benefit.
If you are young, hale and hearty then get yourself a health insurance plan by HDFC ERGO without any medical check-ups.
If your Doctor recommends you can get yourself treated at home and avail cashless medical facilities then this feature would be of utmost help.
Just like every other health insurance plan, we cover you for your medical hospitalization due to illnesses and injuries seamlessly.
It means all your pre-hospitalization expenses upto 60 days of admission and post-discharge expenses till 180 days get covered, like the costs for diagnostics, investigation etc.
Medical advancements help in wrapping up important surgeries and treatments in less than 24 hours, and guess what? We cover you for that as well.
Let your belief in alternate therapies like Ayurveda, Unaani, Siddha and Homeopathy stay intact as we cover hospitalization expenses for AYUSH treatment as well.
Organ donation is a noble cause and we cover the medical and surgical expenses of the organ donor when harvesting a major organ transplant.
If you stay in a hospital for more than 10 days at a stretch then we pay for other financial losses that might have happened due to your absence at home. It helps to take care of other expenses during your hospitalization. (Amount specified in the policy wording)
We believe mental healthcare is just as important as hospitalization due to physical illness or injury; hence we cover hospitalization expenses incurred for treating mental illnesses.
Get a free health check-up within 60 days after policy renewal done by HDFC ERGO at the time of renewing your policy with us.
Did you know that a health insurance plan is not just meant to safeguard your savings but also help you save tax? Yes, you can save upto ₹ 75,000 with HDFC ERGO Health Insurance plans.
Once you get yourself secured with our health insurance plan there’s no looking back, this health insurance plan continues for your entire lifetime on break free renewals, you don’t have to exit from it.
If you are 18 years old and above you can buy our health insurance plan without any hesitation. We secure people of all age groups.
Adventures can give you an adrenaline rush, but when coupled with accidents, it can be hazardous. Our health insurance plan does not cover accidents encountered while participating in adventure sports.
You might think of causing injury to your precious self, but we don’t want you to hurt yourself. Our health insurance plan does not cover self-imposed injuries.
War can be disastrous and unfortunate. However, our health insurance plan does not cover any claim that are caused due to wars.
Our health insurance plan does not cover accidents while you are participating in defense (Army/Navy/Air Force) operations.
We do understand the criticality of your disease. However, our health insurance plan does not cover venereal or sexually transmitted diseases.
Treatment of obesity or cosmetic surgery is not eligible for coverage under your health insurance plan.
Under Section 80D, you can get a deduction of up to Rs. 25,000 per budgetary year for medical insurance premium. The premium paid for a health insurance plan can be for you, your spouse, and dependent children. If you or your spouse is a senior citizen, then this limit can go up to Rs. 50,000.
You can also claim tax benefits on preventive health check-ups annually under the Section 80D of Income Tax Act. You can claim up to INR 5,000 every budgetary year as expenses incurred for preventive health check-ups.
If you are paying medical insurance premium for guardians then you can also claim an additional deduction of up to INR 25,000 every budgetary year. If your parents or either of them is a senior citizen, then this limit can go up to INR 30,000.
1. Lifestyle Diseases: Stress, pollution, unhealthy eating habits, gadget addiction and undisciplined lives have made lifestyle diseases widespread. It’s important to buy a health insurance plan to tackle medical expenses rising due to rising lifestyle diseases.
2. Inadequate Employee Health Insurance: Do you think you are securely covered under one health insurance policy against all threats? Be informed that your employee health insurance may prove insufficient. These days medical science has advanced hence it’s important to get higher sum insured health insurance plans.
3. Beat medical inflation: The cost of medical treatment in India is always on the rise. Funding medical expenses on your own will lead to financial loss hence it’s important to buy a health insurance plan to beat the medical inflation.
4. Quality Healthcare: You certainly cannot compromise on healthcare quality. Best medical treatment has become a basic necessity, however having a health insurance plan promises quality healthcare as you don’t have to worry about the finances..
5. Tax Savings: Health Insurance is a tax saving instrument. Enjoy upto *Rs.75, 000 Tax savings annually under section 80D with health insurance plans. Isn’t it amazing? You can save tax and secure your health too.
6. Safeguards your savings: With a health insurance plan you can invest your savings for buying your dream house or taking the much awaited trip. You don't have to save for paying your future medical bills.
Every time you look for a health insurance plan the thought that hits your mind is what is an ideal health insurance plan like? What all coverage should it have? Let’s decode the hacks to get the right health insurance plan.
1. Get yourself adequate sum insured: If you are residing in the metro cities then cost of treatment is high hence for an individual your sum insured should ideally range between 7 lacs to 10 lacs. If you are looking for a family cover to insure your spouse and kids a sum insured that ranges between 8 lacs to 15 lacs suits best on floater basis. It should be adequate enough to cover more than one hospitalisation that may happen in a year.
2. Look for co-payment to reduce premium: If you wish to reduce your premium and you are fine with making partial payments for your medical expenses then look for a health insurance plan with co payment facility. You share the medical expenses with your health insurer hence you don’t have to pay a heavy premium.
3. Look for in-home health care: What if you are unable to get a bed at the hospital or your parents aren’t comfortable seeking medical attention at the hospital? Under such circumstances you can easily get treatment done at home without much hassles. HDFC ERGO offers cashless health insurance for in-home health care.
4. No sub-limits help: Usually your medical expenses depend upon your room type. It’s recommended to buy a health insurance plan that does not have sub limits. Just like my:health Suraksha Insurance it does not imply any room rent restrictions or sub limits.
5. Check waiting periods: Your health insurance plan doesn’t come into action while your waiting period is not completed. Always check health insurance policies with lower waiting periods for pre existing ailments and maternity benefit.These are the most important covers to look for before buying a health insurance plan. Other than most important coverage there are a few more benefits that need to be looked upon before choosing a health insurance for yourself, your family and parents.
1. Age: Undeniably, age is the most prominent factor that fixes up your premium. It’s highly recommended to buy a health insurance policy while you are young, because premium rises with age. At a younger age you are less likely to have pre existing diseases due to which your premium is low as compared to higher age groups. It’s highly recommended to buy health insurance at an early age.
2. Pre existing illnesses: Any health condition or ailment that you are already suffering before getting a health insurance policy is termed as pre existing illness. If you are a diabetic or suffering from hypertension there is a chance that your premium will raise. Buying health insurance plan early when you are hale and hearty will help you skip high premiums due to pre existing ailments.
3. Family History: This could be a factor that affects your premium calculation, if your family has a diabetes history there are higher chances you too may acquire it at some point of time in life. Due to which insurance premium may be charges high to such individuals.
4. Location of stay: If you reside in a metro city then there are chances that your premium may go on a higher side as the cost of treatment is high in developed cities as compared to tier 2 or 3 cities. Hence premium for someone who stays in Delhi will be high as compared to someone who stays in Nagpur.
5. Members covered: Your health insurance premium will be low if you choose to cover yourself as compared to a family floater policy wherein you cover your spouse and kids. Even under family health insurance you can choose to have individual sum insured for every family member or get them all over one sum insured in a floater plan. Sharing the sum insured under one floater plan will incur low premium than getting individual sum insured for all.
6. BMI or Body Mass Index: If your weight isn’t proportionately balanced with your height leading to obesity then there are chances that you may have to pay higher health insurance premiums. People with higher BMI are prone to joint paints, hypertension, high blood pressure and various other ailments due to which they fall under high risk category. Insurance premium is generally high for high health risk individuals.
7. Smoking Habits: If you are a chain smoker then there are chances that your insurance premium may burn your pocket as insurance company may consider you as a high risk individual. Your smoking habit may affect your lungs in the long run leading to respiratory ailments. Other habits like chewing tobacco or high consumption of liquor may also affect your body and may also cause cancer; hence your premium may shoot up.
To register a claim for your health insurance plan there are several steps to be followed. Health Insurance claim process works differently for reimbursement claim requests and cashless claims. Read the below process to understand how HDFC ERGO settles health insurance plan claims.
Health Insurance Cashless Claims get approved within 20** minutesPolicy Holder Needs to find the nearest cashless hospital
Locate your nearest cashless hospital
Collect the cashless form from hospital and fill it duly
Submit it with necessary documents along with your Photo ID and health insurance card
On receiving the documents our internal claims team approves/rejects the claim depending upon the documents, course of treatment and coverage.
On approval you can undergo medical treatment without paying anything to the hospital.
On discharge HDFC ERGO will check the documents and discharge summary and settle the claim with the hospital directly.
At each and every stage you can track your claim status and we shall keep informing you about your claim request
Treatment of obesity or cosmetic surgery is not eligible for coverage under your health insurance plan.
Once you are hospitalised at a non-network hospital intimate HDFC ERGO about your hospitalisation
Collect all documents from the hospital and send it to HDFC ERGO General Insurance Company Ltd 5th Floor, Tower 1, Stellar IT Park, C-25, Sector-62,Noida 201301 State : Uttar Pradesh , City : Noida Pin Code : 201301.
We will check the documents and approve/reject the claim
If your claim is approved your claim amount shall be reimbursed via NEFT.
With the development in technology, treatments and the availability of more effective medicines the cost of healthcare has steeply increased. All this increase ends up being a burden for the consumers, making healthcare unaffordable for many. This is where HDFC ERGO’s health insurance policies come into play, as they take care of the hospitalization and treatment charges, leaving the consumer free of financial woes. Get yourself a health insurance plan now.
Having a health insurance policy covers expenses incurred due to hospitalization. This includes in-patient treatments, pre and post hospitalization charges, day care procedures, domiciliary treatments, etc.
All HDFC ERGO Health Insurance Plans are available online for purchase via various online payment options. Simply take our online journey for the product that suits you best & apply with just a few clicks.
You need to fill a health declaration and an endorsement form and the new member will be added to your existing family floater health insurance at an additional amount.
Yes, if needed you can change the hospital during the treatment. However, you might need to provide necessary information for a smooth claim process of your health insurance plan.
You cannot take an independent health insurance policy for a 3 year old. Children below 5 years are covered only when both the parents are covered under the health insurance policy
In certain conditions you might be eligible for reimbursement of overseas treatment, such as pre-diagnosed planned hospitalization, outpatient treatment, and second opinion in case of sudden illness while travelling under your health insurance plan.
Most pre hospitalization and post hospitalization expenses (up to 60 days) are covered under the health insurance policy, such as X - rays, CT scan, MRI, ultrasound nursing, physicians, medicines , other diagnostic needs. After successful completion of 4 claim-free year, you are eligible for free health check-up as well. This is subject to no medical adversities.
Most insurance health insurance plans have a 15 day cooling off period called as free-look period during which you can cancel your policy. However, in case you wish to cancel the health insurance policy mid-term then you need to provide a suitable reason for cancellation. Premium refund is subject to nil claims & as per the refund chart mentioned in the health insurance policy wordings.
In case of the death of primary insurer in a health insurance policy, the other adult person may continue with the policy and the sum insured will remain the same.
You can change your health insurance policy details online through our website hdfcergo.com. Visit the 'HELP' section on the website and place a request. To place request or explore services, click here