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What is a Health Insurance Top Up Plan?

A health top up plan makes a lot of sense in today’s time and age, where the medical costs are rising every year. What seems to be a good sum insured today might not be sufficient in ten years from now. Hence, taking another policy at that time might not be a good idea and might also be more expensive.

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Health Insurance Myths Busted

Not buying health insurance can mean carrying the financial burden of ever-rising healthcare costs. Not fully understanding the nuances of a policy can cause confusion at the time of claiming the benefits too, leading to umpteenth hassles. Therefore, access to correct information about health insurance can help you buy the right plan for you and your family.

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Senior Citizen Should Have Health Insurance. Know Why

Post 60, the golden years of your life begin and so you should gear up for them with the right insurance. Pamper yourself or your parents with a wholesome senior citizen health insurance plan so that the post retirement phase remains as it is supposed to be, that is, stress free. Do compare costs and benefits of plans by different insurers before you make a choice.

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Tips to Ensure You Don’t Face Any Glitch While Filing Claim

Nobody would want the claims settlement to take ages or run into complications. So, just follow the above tips while filing your health insurance claim and be rest assured of getting your claim amount as soon as possible and as seamlessly as possible.

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Why Buying Critical Illness Insurance is Important ?

Any major disease can have a debilitating effect on the patient’s life. It causes huge medical costs and leaves the family shattered emotionally as well as financially. In such conditions, critical insurance plan offers financial protection to the family for treating the disease and managing other personal expenses.

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All You Need to Know About Health Insurance Claim

Life is uncertain. And with medical expenses skyrocketing, a health insurance policy is considered a must. Almost everyone today has a health insurance policy. But how many of us actually know the procedure of filing for a claim when the need arises?

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Various Options Available for Health Insurance

To ensure that your health insurance provides you the best coverage, it is important to select an insurance policy after looking at the various options available:

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Things to Know About Mental Health Coverage

The inclusion of mental illness is a welcome move by the insurance regulator. The coverage would encourage more people to talk about mental health and get the proper treatment for any illness before things get out of hands.

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Do You Have Enough Health Insurance?

Buying a health insurance plan is one of the smartest ways of securing a healthy and stress-free financial future for you as well as your loved ones. So, choose wisely.

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Layman's Guide to Understanding Health Insurance

If you are planning to buy health insurance you need to know everything about the policy. It is suggested that you read and understand terms and conditions, inclusions, and exclusions of the policy before purchasing it. Take a plan only if you are completely satisfied and it offers you what you are looking for.

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Most Common Ailments to Prevent During Monsoon

Also, to avoid the spread of flu, it is important to wash your hands before eating any food. Avoid touching your nose repeatedly and wash your hands after touching it. Try to avoid crowded places during monsoons to reduce the risk of viral infections. And if you have kids, make sure you give them flu vaccinations.

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Reasons Why Working Women Need Health Insurance

These are the few major reasons why working women need health insurance. Unexpected financial expenses can cause a burden on you, eat into your savings and cause anxiety. Hence, it is better to be safe than sorry, which is why you need health insurance. Medical insurance should be a must-have in your investment portfolio.

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Steps to File Health Insurance Claims

Buying a health insurance policy is a must in the present times. But the policy is only useful when you need it and file a claim. Thus, it is essential to understand the claim process and ensure it is followed so that there is no problem for the insurance company to settle the claim.

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Know Why Employer Health Insurance Is Not Sufficient ?

The policy provided by your employer does have certain benefits but may not be of help when a certain need arises. With limited coverage, it is always better to have one more individual health plan which can give you and your family wholesome coverage with maximum benefits.

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Dos and Don’ts When Buying Health Insurance

Essentially, keep these basic do’s and don’ts in mind while getting a health insurance plan and read all terms and conditions carefully. Choose only after comparing multiple insurers.

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Common Reasons Why Health Insurance Claims Get Rejected

In case of a serious ailment, you would want your health insurance to cover most of the expenses. Seeing your insurance claim getting rejected is a double whammy. Therefore, it’s quite important that you understand and follow the rules mentioned in the policy to get the claim approval quickly and in a hassle-free manner.

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Delhi SMOG – An Alarm to Buy Health Insurance

While Delhi SMOG is choking citizens, there are some ways to stay safe and some measures to follow. These could help you at the time of need. Also, read more to understand the benefit of health insurance plans.

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बारिश के मौसम में ली जाने वाली कुछ महत्वपूर्ण सावधानियाँ

इन सावधानियों को ध्यान में रखे और बनाइये अपने बारिश के मौसम को एक सुखद अनुभव

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अपने हेल्थ इंश्योरेन्स पॉलिसी में मैटरनिटी कवर के बारे में जानने वाली बातें

मैटरनिटी कवर की बढ़ती लोकप्रियता के बावजूद पॉलिसी धारक अभी तक ऐसी पॉलसी की ज़रूरी विशेषताओं के बारे में नहीं जानते हैं. इसीलिए, अगर आप अपना परिवार बढ़ाना चाहते हैं तो आपको मैटरनिटी इंश्योरेंस प्लान के बारे में यह सारी बातें पता होनी चाहिए

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गंभीर बीमारी बीमा एवं साधारण बीमारी के बीच में फर्क समझे

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हेल्थ इंश्योरेंस में मिलने वाला टैक्स लाभ

टैक्स लाभ लेने से पहले आपको यह बात ध्यान रखनी चाहिए कि कर-कटौती का दावा करने के लिए आपको प्रीमियम का भुगतान चेक या क्रेडिट कार्ड से ही करना होगा. आपके जिस साल कर अदा करना है उसमे कर योग्य राशि में से ही प्रीमियम का भुगतान करना होगा.

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सबसे अच्छा मैटरनिटी इंश्योरेंस प्लान कैसे खरीदें ?

प्रेग्नेंसी के लिए मेडिकल इंश्योरेंस लेना आपके भविष्य की आर्थिक योजनाओं के लिए सही है. समय के साथ साथ भारत में प्रेग्नेंसी इंश्योरेंस की मांग बढ़ रही है. एचडीएफसी एर्गो समझता है कि आप किस गंभीर दौर से गुज़र रही होती हैं और इसीलिए यह आपको आपको ऐसे 2 इंश्योरेन्स प्लान देता है जिससे आपको और आपके परिवार को मैटरनिटी बेनिफिट मिलते हैं.

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Critical Illness Diseases Covered By HDFC ERGO

HDFC ERGO strives to support you in such critical times. With a critical illness add-on cover, you can provide utmost security to yourself and your family. You can opt for a carefully curated critical illness insurance plan that covers the following critical illnesses.

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Health Insurance Concepts You Should Know

All in all, knowing about the different health insurance plans and their important aspects can help you make a wise choice while buying a policy. Remember to compare quotes from multiple insurers as well, before going ahead with one.

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Tips to Buy the Best Health Insurance Policy

We are well past those days when buying a health insurance policy was a luxury. It is the need of the hour. The rates at which medical expenses are on the rise, dealing with them by shelling out from your savings account isn’t a very viable option.

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10 things You Should Know on World Heart Day

HDFC ERGO celebrates World Heart Day. Let's read the informative article which talks about the importance of keeping your heart healthy.

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HDFC ERGO Offers Largest Network Of Cashless Hospitals

Each one of us who feels medical expenses can bring down our savings easily trust health insurance plans to rescue at the time of need. To add a cherry on the pie, cashless claim facility reduces the worry of sourcing finances for medical treatment. Read more to know how cashless healthcare facility has benefitted Mr.Mayur.

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Advantages of a Family Floater Health Insurance Plan

A family floater health insurance, as the name suggests is a plan that is tailor made for families. It is similar to individual health plans in principle; the only difference is that it is extended to cover your entire family. This acts as an umbrella of coverage for the entire family and therefore the name.

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क्या हम दो कंपनियों से स्वास्थ्य बीमा का दावा कर सकते हैं?

अक्सर ऐसा होता है कि आपके पास अपने मेडिकल खर्चों की पूरी भरपाई करने के लिए एक से अधिक स्वास्थ्य बीमा पॉलिसी होती हैं। इसका एक तो कारण यह हो सकता है कि

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बीमा पर जीएसटी का प्रभाव

हम सबने जीएसटी अथार्थ गुड्स एंड सर्विस टेक्स के बारे में तो सुना ही है। इसको और अधिक अच्छी तरह से समझने के लिए थोड़ा इसके बारे में बताना ज़रूरी है

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दावा निपटान अनुपात का महत्व

स्वास्थ्य सेवाओं में वृद्धि का ग्राफ बड़ी तेज़ी से बढ़ता देखा जा सकता है। इसके अतिरिक्त, गंभीर बीमारियों से पीड़ित व्यक्तियों की संख्या

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व्यक्तिगत बनाम कॉर्पोरेट स्वास्थ्य बीमा

अविनाश को रिटायर होते समय आखरी बार अपनी कंपनी में जाना अच्छा भी लग रहा था और साथ ही डर भी लग रहा था। आखिरकार अब उस दफ्तर को छोड़ने

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Why A Health Insurance for your Father is the perfect gift this Father’s Day ?

Don't worry about the increasing medical expenses, put an end to your worries by Gifting an all round health insurance plan for your dad.

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महत्वपूर्ण बीमारी बीमा और सामान्य स्वास्थ्य बीमा के बीच अंतर

दोनों ही तरह के बीमा का अपना अपना महत्त्व है। इनके फायदे और​फीचर एक दूसरे से काफी भिन्न है। इसीलिए यह काफी आवश्यक हो जाता है की एक व्यक्ति इन सारे बातों को मद्देनज़र रखते हुए अपना हेल्थ इन्शुरन्स का चुनाव करे ताकि भविष्य में किसी भी प्रकार की आर्थिक परेशानी का सामना ना करना पड़े।​

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Things to Keep in Mind when Travelling to a Schengen Country

Schengen visas have made travelling to European countries so much easier for travelers as they are no longer required to obtain multiple tourist visas to visit different countries. ​Currently, there are 26 member states that need Schengen Visa to travel.

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Tax Benefits on Health Insurance for Parents

It is that period when a certain ailment or illness is not covered and you have to wait for that time to pass by making consecutive renewals to waive off the waiting period and start availing the benefits of your plan. Insurance companies may deny claims if intimated within the waiting period, however once the waiting period is over you are free to register claims.

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Waiting Period in Health Insurance

With this the concept of waiting periods in health insurance reads clear and is easily understood. The best way to escape waiting period is to buy your health insurance early. At an early age you are less susceptible to diseases and hence if you buy the health insurance plan at an early age there are lesser chances of having any pre-existing diseases.

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Myths about Critical Illness Insurance

Let us look at several such myths related to critical illness insurance and the provided facts, which prove that critical illness insurance is a much needed health plan in your financial portfolio.

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How health insurance policy can reduce your financial risks ?

Buying a health insurance plan is the right answer to all your questions. A good health insurance plan with a wide scope of coverage and no restriction on room rent limit is just what you need. It will help you get cured faster under quality medical assistance that too without burning a hole into your pocket.

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Guide to Buying Family Medical Insurance in India

These days you can easily look around for family floater health insurance plans for your family and instead of buying individual health insurance plans and keeping a track on all of them, you can get one family floater health plan with higher sum insured.

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Consequences of Not Having Health Insurance

You could be relatively fit and have no pre existing diseases; however there’s always a faint chance of acquiring a disease or falling prey to an accidental situation. Such circumstances are totally unpredictable and may easily drain your lifelong savings in a snap of a moment. Sounds scary?

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Staying Healthy Through Changing Seasons

The secret to a healthy life is FLEXIBILITY – the ability to adapt our lifestyles to the challenges of changing seasons across the year. So that you can stay healthy throughout the year, irrespective of the seasonal changes or vagaries of the Indian weather!

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Pregnancy and Childbirth – The Do’s and The Don’ts

With the influx of information and suggestions, you may get a little confused with the contradictory nature of some of the advice. So, here are a few tips to clear the confusion.

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Myths and Facts of Health insurance

Before purchasing health insurance, you need to understand and separate the myths from the facts before taking a decision. Here is a list of the common and some not-so-common myths and the real facts behind them.

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Healthy Children make for Happy Children

With the advancement of science, a number of diseases have been tackled by immunisations. Remember to adhere to the schedule of vaccinations religiously. If your child is unwell, don’t send him to school as that will spread the infection. In certain cases like dehydration, high fever or if the child has stopped eating, don’t shy away from calling your paediatrician. Remember, it’s up to you to help your children grow up to be healthy, self-assured and confident adults.

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Dos and Don’ts of health claims

With a little foresight and planning, making a health insurance claim can be simple and effortless. More so, when you opt for a health insurance company like HDFC ERGO, who has partnered with a wide network of hospitals and also has a dedicated claim settlement team in place, guiding and assisting you, ensuring a hassle-free, quick claim settlement.

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Questions to ask when buying health insurance

Demystifying health insurance plan is imperative. While you fix up your mind to buy a health insurance plan you have several questions in mind. Let’s see what the commonly asked questions about health insurance are.

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Concept of No Claim or Cumulative Bonus in Health Insurance

With HDFC ERGO, there exists a concept of Enhanced Cumulative Bonus. This feature will help you increase your cumulative bonus every year. So if you are eligible for a sum insured hike of 5%,and if you opt for ​enhanced cumulative bonus, ​you will get a sum insured increase of 10%.

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​ Know the Difference between Health Insurance Policy and Mediclaim

These days you can easily register claims online and visit your nearest cashless hospitals to ensure you don’t have to pay out-of-pocket. However, even though times have changed there exists ambiguity with regards to mediclaim Vs health insurance plans. Let’s understand the difference between both of these terms as per the insurance industry.

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Concept of Room Rent Limit in Health Insurance

Let’s understand with some examples on how does the functionality of room rent works and why should you know about it before buying a health insurance plan in India.

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Reasons to buy health insurance in your 20s

Right from taking decisions regarding investments, savings to shaping your future, everything holds a crucial place while you are in your 20s. It is also the right age to secure your finances which may drain due to the possible health threats. Hence, buying a health insurance at an early age is truly important.

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वरिष्ठ नागरिकों के लिए स्वास्थ्य बीमा

हेल्थ बीमा कंपनियाँ हर आयु के लोगों के लिए विभिन्न प्रकार की बीमा योजनाएँ प्रदान करती हैं। लेकिन यह विकल्प

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सर्दी के मौसम में ली जाने वाली 5 सावधानियां

भारत में अनेक प्रकार की प्रतिष्ठित बीमा कंपनियाँ हैं जो सर्दी में होने वाली बीमारियों पर होने वाले खर्च की सुरक्षा प्रदान करती हैं। सर्दी के कारण होने वाली कोई भी ऐसी बीमारी जिसके कारण अस्पताल में भर्ती होना पड़े उससे आपकी वित्तीय योजना का संतुलन बिगड़ सकता है।

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स्वास्थ्य बीमा आयु सीमा

हालांकि हेल्थ बीमा लेने की कोई प्रारम्भिक उम्र नहीं होती है, फिर भी यह सुझाव दिया जाता है कि हेल्थ बीमा पॉलिसी को उसकी जरूरत पड़ने से पहले ही खरीद लेना अच्छा रहता है।

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10 बातें जिनका हेल्थ इंश्योरेंस लेने से पहले ज्ञान होना चाहिए

किसी प्रकार की मेडिकल एमर्जेंसी में एक अच्छी हेल्थ बीमा इंश्योरेंस ही अच्छा साथी सिद्ध हो सकती है। इसलिए एक हेल्थ बीमा पॉलिसी लेते समय इन 10 बातों का जरूर ध्यान रखें।

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डेंगू से बचाव के लिए ली जाने वाली 7 सावधानियां

अक्सर डेंगू के लक्षण सामान्य फ्लू या वायरल बुखार से मिलते जुलते लगते हैं, इसलिए निम्न लक्षणों के आधार पर इनकी पहचान कर ली जानी चाहिए और सही पहचान के लिए तुरंत एक ब्लड टेस्ट करवा लेना चाहिए

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क्यों स्वास्थ्य बीमा भारत में महत्वपूर्ण है ?

इस दौड़ती-भागती दुनिया में निरंतर बढ़ते तनाव कारण विशेषकर भारत में विभिन्न प्रकार की हेल्थ संबंधी परेशानियाँ पनपने लगी हैं। लाखों लोग यहाँ हृदय रोग संबंधी, श्वास संबंधी, जन्मजात विकार और इन्फेक्शन संबंधी बीमारियों के शिकार होते जा रहे हैं।

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क्या हम दो कंपनियों से स्वास्थ्य बीमा का दावा कर सकते हैं ?

बढ़ते हुए मेडिकल खर्चों के कारण एक अच्छी स्वास्थ्य बीमा पॉलिसी का होना बहुत जरूरी होता है। इसके लिए यही सुझाव दिया जाता है कि आप छोटी-छोटी बीमा राशि के अनेक योजना लेने के स्थान पर एक ही बीमा योजना में अधिकतम बीमा सुरक्षा ले लें।

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एक परिवार फ्लोटर स्वास्थ्य बीमा योजना के लाभ

फैमिली फ्लोटर हेल्थ बीमा का चयन करने से पहले व्यक्ति को अपनी तसल्ली के लिए अच्छी तरह से शोध कर लेनी चाहिए कि किस पॉलिसी में सबसे अधिक विशेष गुण और लाभ उपलब्ध हैं। प्रत्यक्ष रूप से देखने में तो सभी पॉलिसी लगभग एक समान लगती हैं,

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आपको कितने स्वास्थ्य बीमा की आवश्यकता है ?

पिछले कुछ दशकों में मेडिकल साइंस में विकास होने के कारण मानव जीवन-काल में वृद्धि हो रही है। हालांकि, दूसरे तत्वों और बदलते लाइफस्टाइल के परिणामस्वरूप विशेषकर शहरों में रहने वाले लोगों की आयु तो लंबी हो गई है लेकिन आज वे उतने स्वस्थ नहीं रहते हैं। लगातार बढ़ते वाहनों की संख्या के कारण दुर्घटनाओं की संख्या में भी निरंतर वृद्धि हो रही है और इसके अतिरिक्त लाइफस्टाइल के बिगड़ने के कारण लाइफस्टाइल संबंधी बीमारियाँ तेज़ी से बढ़ने लगी है। नवजात शिशु से लेकर वरिष्ठ व्यक्ति तक आज पहले की तुलना में अस्पताल में अधिक भर्ती होते दिखाई दे रहे हैं।

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अनिवासी भारतीयों के लिए स्वास्थ्य बीमा

भारतीय समाज में अनेक व्यक्ति विदेश में रहते हैं लेकिन वे समय-समय पर भारत आते रहते हैं। यदि आप भी उनमें से एक हैं और यह सोचते हैं कि क्या आप भी भारत में इलाज करवा सकते हैं या नहीं तब अधिक जानकारी प्राप्त करने के लिए आगे पढ़ें।

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5 आम स्वास्थ्य बीमा बहिष्करण

किसी मेडिकल एमर्जेंसी में हेल्थ बीमा पॉलिसी में निवेश करने पर भी अगर सोची हुई मदद न मिले तो उसका होना न होने के बराबर माना जाता है। अक़्सर किसी हेल्थ बीमा में निवेश करने से पहले ग्राहक उसमें लिखी गई सभी नियम व शर्तों को ध्यान और बारीकी से नहीं पढ़ते या समझते हैं। इसमें कुछ ऐसी शर्तें भी होती हैं जिनमें कुछ मेडिकल बिलों (बहिष्करण के रूप में) के शामिल न करने के बारे में भी लिखा होता है। इनका अर्थ यह होता है कि आपको कुछ मेडिकल बिलों का भुगतान अपनी जेब से करना होगा।

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Which Health Insurance Plan is best for you ?

At times, you fall under all categories as well. However, instead of getting confused with so many health insurance plans and thinking how do I choose my best health insurance plan you need to focus on your requirements, which will ultimately help you buying the right plan for you and your dear ones.

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Planning To Start a Family? Protect Them With Maternity Cover

Protect your child's future with Health Suraksha Gold cover. Read about the benefits, coverage, inclusions and exclusions.

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How Does Critical Illness Insurance Works?

With the kind of lifestyle we live, there has been a constant rise in the number of critical illnesses that we are likely to encounter. For this, having a critical illness insurance policy is a must. Read on to know how critical illness insurance works and the importance of buying one.

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Ensure your Parent's Well Being! Explore Parents Health Insurance

Buying a parent's health insurance policy not only provides you financial assistance at the time of hospitalization, but also gives you peace of mind. Read on to know about the importance of buying parents health insurance.

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6 Reasons You Should Review Your Health Insurance Plan Annually

Read about the top 6 reasons why you should review your health insurance policy annually. Now buy health insurance policy online at HDFC Ergo in 3 easy steps

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How to take care of the health of your ageing parents ?

One day, your parents would not be as fit and healthy as they are today. We understand, it’s hard for many of you to accept this fact. But, the more time you take to make peace with this thought, the more delay will happen with your plans to ensure good healthcare for your parents.

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What Should You Opt for? Short Term or long Term Health Insurance ?

Every individual living in this country should have a right to lead a healthy life. This can be realized through the access of quality health care service and an understanding of one’s personal health needs.

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How Long-Term Health Insurance Can Benefit You ?

Rising health cost is a major concern for lakhs of average middle class families in India. A single trip to the hospital can burn a big hole in our pockets. This is a primary reason why people are encouraged to take health insurance plan at a young age.

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How To Buy Health Insurance Policy With Low Premiums ?

“I don’t have health insurance but I do have car insurance. So, whenever I get sick I crash my car into a tree”, said my friend Kumar* casually the other day when our conversation drifted over to healthcare.

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What you need to look for in a maternity insurance plan ?

A young couple thinking of starting a family needs to take several factors into account before taking the plunge. Having a child is expensive, to put it bluntly. There are so many costs involved. And they start right from the time when you get pregnant.

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Is Critical Illness Plan Better Than Cancer Specific Insurance Plan For A Cancer Patient ?

We at HDFC ERGO present to you the Critical Illness Insurance Policy, which is comprehensive and logical. Not only does it keep your savings intact, but it also helps you remain financially stable in case of any eventuality.

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What Should You Know Before Buying a Health Insurance Policy in 2019 ?

Know what's changed in Insurance sector in 2019. Definite guide by our experts at HDFC Ergo

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How to Find The Best Health Insurance Policy For You ?

Know about the most important factors you should consider before buying your health insurance policy.

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What Are The Various Add-ons For Your Health Insurance Policy?

Know about the various add-ons available for your health insurance policy. Buy policy only at HDFC ERGO in 3 easy steps

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Five Things to Know Before Buying Critical Illness Policy

Read about the most important things you should consider before buying a critical illness insurance policy.

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Common FAQs About Your Health Insurance Policy

Read about the most important questions you should ask about car insurance policy. Now buy the policy online at HDFC ERGO.

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10 Things to Know About Personal Accident Policy

Read about the benefits of a personal accident insurance policy. Know about the inclusions and exclusions provided under personal accident policy.

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6 Reasons You Should Review Your Health Insurance Plan Annually

Read about the top 6 reasons why you should review your health insurance policy annually. Now buy health insurance policy online at HDFC Ergo in 3 easy steps

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Personal Accident cover is equally important as compared to life and health cover

Most people will have two types of insurance cover: life insurance and health insurance. The purpose of life insurance is to cover the risk of early death and the purpose of Health Insurance is to act as a cushion against hospitalisation expenses.

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Medical insurance is for everyone

Many people are of the view that if they own a life insurance policy, every contingency will be covered. While there is certainly an amount of substance in that belief, the fact remains that insuring a specific aspect of your life from uncertainties is the best way to protect yourself. Life insurance has a wide scope of coverage that lasts for a lifetime and medical insurance is its sub-set.

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Why Is It Better To Have Your Own Health Insurance Plan Before Turning 30?

People often recollect their college shenanigans such as sneaking out of hostel for a mid-night movie, bunking classes to hang out with their buddies and the numerous fun trips with their gangs when asked about the most fun and exciting time of their lives.

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Why Health Insurance Is A Fundamental Requirement And Not A Choice ?

With rising incidences of health issues in India in young and old, health insurance today is a necessity as against a luxury some years back. Studies show that our current lifestyle makes us prone to fatigue and illnesses, often needing hospitalization. As a consequence, we often foot a high cost of treatment, burning a severe hole in our pockets.

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Burst the Myth: Healthy Individual Do Not Need a Health Insurance Plan

It’s a common myth that only unfit or unhealthy individual require a medical policy. It is obvious that a healthy body may not be a permanent state in the coming future, which means in near future you may require medical assistance. Undoubtedly, good health is a blessing, it helps us stay active and achieve lifestyle goals.

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Things You Should Know Before You Buy a Family Floater Health Insurance Plan

The slightest of trouble to any of your family members often causes an imbalance throughout the household. Therefore, safeguarding their health and well being is a complete no-brainer. It is essential to have a comprehensive policy that protects your family financially and emotionally, in cases of any medical emergency.

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How Can Top-Up Plans Improve Your Health Insurance Coverage?

Let’s face it. We all think we are leading a healthy life owing to that diet chart we have been following since it went viral on Instagram and are on a fitness regime with help of a new app. And boom! The myth bursts when you find yourself or a loved one on the hospital bed down with a major ailment or a road accident.

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How To Buy Health Insurance Policy With Low Premiums?

“I don’t have health insurance but I do have car insurance. So, whenever I get sick I crash my car into a tree”, said my friend Kumar* casually the other day when our conversation drifted over to healthcare.

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How Does Buying Health Insurance Reduce Your Financial Risks?

Is your budget set for your next holiday? Is your budget set for the next month’s grocery needs? Have you planned the budget for your next car? Have you decided how much to spend for the next party that you are throwing?

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Get Optimum Coverage with HDFC ERGO’s Health Suraksha Gold

Health is the most valuable asset that every individual owns and taking care of health comes almost naturally to everyone. Yet, life is full of uncertainties and highly unpredictable. Medical emergencies and accidents can occur to anyone, anywhere, anytime.

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Is Critical Illness Plan Better Than Cancer Specific Insurance Plan For A Cancer Patient?

We at HDFC ERGO present to you the Critical Illness Insurance Policy, which is comprehensive and logical. Not only does it keep your savings intact, but it also helps you remain financially stable in case of any eventuality.

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4 Major Things Which Should Be Covered In Your Travel Insurance Policy

Have you seen pictures of the Aurora Borealis – the Northern Lights? It is truly a wonder to behold even through the window of your computer screen. Now imagine if you were to witness it first hand – what a truly scintillating experience that could be!

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4 Benefits of Multi-Trip Travel Insurance

On one hand, travel may mean visiting a number of fascinating and exciting places and experiencing different cultures. However, on the other hand, it means facing different travel-related health conditions that may end up being too costly for you. Anyone who has been in this boat will vouch for the importance of travel insurance. This type of insurance covers any medical or hospitalization costs you incur while travelling.

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Why Your Employer's Health Insurance May Not be Enough ?

An Employer's Health Insurance plan may look attractive compared to individual Health Insurance plans, but it is not a complete solution.

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3 Effects of A Pre-Existing Disease On Your Health Insurance Premiums

Have you been procrastinating applying for health insurance for your parents because of their pre-existing medical conditions? Do you have a pre-existing medical condition because of which you feel you might not be eligible for insurance?

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Things to know about Maternity Cover under your Health Insurance Policy

Most maternity insurance policies have a waiting period for 3-4 years. This means that you can avail the benefits under policy only after the completion of the waiting period. Therefore, the best time to buy a maternity cover is right away marriage. Couples these days anyways wait for a few years before planning to have a child, thus buying the policy as a newlywed couple makes most sense.

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Why Your Health Insurance Can Be Denied?

Technical development has provided advanced medical treatments for several illnesses. However, such treatments have increased the cost of advanced healthcare. As a result, you may not always be able to afford the best treatment due to lack of funds.

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Why Travel Health Insurance is a Good Deal?

What would you do if you suddenly fall sick or meet with an accident while travelling abroad? Medical expenses in a foreign country are often significantly higher than domestic costs.

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Why should you expand your mediclaim with a top-up policy?

You have a clear idea that your corporate health insurance is not sufficient to beat the medical inflation. You want to buy an individual health insurance but find it too expensive. Or you already have a health insurance policy and want to expand the coverage, but the costing is deterring you from doing it.

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Why medical test is important while buying a health cover?

When you go out to buy a medical insurance policy, many reputed insurance providers ask you to undergo some tests. These pre-medical tests are mandatory for you to get health insurance as they are a huge deciding factor in determining your eligibility for insurance.

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Why is a maternity insurance plan a good idea?

Maternity is a crucial phase that demands good care and regular check-up of the expecting mother. Add the expenses of childbirth, medication, and medical tests to the price of regular rides to the hospital, and the sum stands out to be significant.

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Why is Health Insurance needed for Family?

Accidents can happen anytime and at any place. One needs to take precautions for family and self. A family health plan is one such precaution and in these times, it is the need of the hour.

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Why Health Insurance is a Must for Senior Citizen Parents?

Old age brings along several health ailments that are expensive to treat. The expensive medical cost can prove to be a burden for you and your family members, especially when you are physically less active and financially not that sound.

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Burst the Myth:  Healthy Individual Do Not Need a Health Insurance Plan

It’s a common myth that only unfit or unhealthy individual require a medical policy. It is obvious that a healthy body may not be a permanent state in the coming future, which means in near future you may require medical assistance.

read full story >

Why Do You Need Health Cover?

We need to invest in health insurance plans so that we are financially prepared for the unexpected, and do not end up hampering the financial security of our family because of critical health issues that may arise.

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Why Critical illness insurance is a must?

A critical illness insurance policy covers incidental costs that may arise due to any significant disease or disability that may hamper your ability to work or maintain the income flow. In today’s lifestyle and high-pressure jobs, critical illnesses are not limited to aging people only.

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Where to Get Affordable Health Insurance?

The health insurance industry has witnessed significant changes in the last few years. The increase in competition now benefits you because insurers offer several advantageous features. Researching different options and knowing the inclusions and exclusions will help you make an informed decision.

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What you should know about your health insurance policy?

The need of health insurance may arise anytime as diseases often come in like a bolt from the blue. HDFC ERGO has curated a range of flexi health insurance plans to suit the varying needs of customers. Here are some of the various facets of insurance claims that customers should know.

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What should you know about health insurance claim process

Wading through different health insurance plans to purchase the correct one can be quite intimidating. Especially for first-time users since the terminologies are unfamiliar and finances are involved.

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What You Should Know Before Buying Health Insurance Plan for Your Family?

Insurance planning is not easy, especially when it comes to buying a health insurance plan for your family. After all you are putting your most loved ones at stake, hence, you should ensure that the plan you choose is the most suitable one as a single mistake can not only ruin your entire financial planning but also land you in trouble at the time of a medical emergency.

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What does a best health insurance policy include?

Health insurance policies are myriad, they are made to cater to a wide range of population and therefore differ in their coverage. A health insurance plan that suits your family member’s need may not be adequate for the need of your employee at work.

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5 Quick Tips for Getting Best Medical Insurance Coverage

Choosing the right insurance plan with the right amount of coverage is mandatory. One shouldn’t be under-insured; your insurance plan should cover you sufficiently without any loop holes.

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Top 5 things you should know before starting a family

If you have decided to start a family, you must be happy and very excited. And why not? One of the life’s greatest joys is to have children and bring them up. However, it is a very big decision, fraught with complications and filled with anxiety.

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Tackle Your Hospital Bills With Top Up Health Insurance

When you go shopping, you know approximately about how much your bill is going to be. Take another scenario, when you go for dinner with your friends or family you can foresee the final amount. There is always that one amount that you can never predict or anticipate. It will hit you, now or someday! That is a hospital bill.

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Why Should You Buy A Health Insurance Plan With Restoration Benefits?

Health insurance plans come in numerous variants. With so many features being provided, it is fairly difficult to compare two insurance plans. More often than not, we realise that our health care coverage is not enough. This is where a health insurance refill or a restoration benefit comes in handy!

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Should You Buy a Separate Insurance Policy For Your Parents?

Our very existence on this universe is because of our parents, their world revolves around us. They’ve taken all the hardships in life to bring us up and make us whatever we are today. Unarguably, after a certain age they grow old and need our assistance to lead life.

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How Do Private Health Insurance Companies Influence a Patients Course of Treatment?

With the rise in the cost of medical expenditure and detrimental diseases, health insurance seems to grow. The high prevalence of diabetes and hypertension accounts to 40 to 60% of CKD in India.

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Five Reasons To Get Health Insurance In Your 20s

Being in your 20s is an amazing experience where you are able to experiment and explore new things. It is an important phase in your life and your entire future may be influenced by your decisions. A crucial but often overlooked decision is purchasing a health insurance plan.

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How To Be Prepared For Making A Health Insurance Claim During Emergencies

Filing a claim for your health insurance would be something that you may not want to do in case of a medical emergency, but it needs to be done if you want to avoid hefty bill payments.

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Prevent Yourself This Monsoon Season

Monsoon is the season when the clouds bring relief from the scorching heat and cool rain showers that bring the beauty of lush greenery and not to mention the smell of wet earth that takes us back to our childhood! While monsoons are a welcome change from summers, unfortunately they come along with a myriad of health hazards.

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Network and Non-Network Hospitals: What is the Difference?

Cashless mediclaim and list of network hospitals are two of the most important criterions that people consider while buying a health insurance. The longer the list of network hospitals for an insurance company, the more convenient it is to find one in the vicinity.

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Need of Health Insurance during Diwali

Apart from being the festival of lights, Diwali is one of the most celebrated festivals across the country. It is the time of the year when loved ones meet, share, and make some wonderful memories together.

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Do You Need An Additional Critical Illness Policy?

Critical illness, as the name suggests, refers to illnesses or diseases that can impact you deeply and could be life threatening as well. These illnesses may create physical and emotional imbalance. If an individual suffers from any of these critical illnesses, he or she may not be able to lead a normal lifestyle.

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Steps To Get Full Fledged Benefits Of Health Insurance

You may not know but your health insurance comes with numerous benefits, most of which go unused as people are hardly aware of them. Here are some common health insurance benefits that you may have already heard of

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Long Term Health Insurance & Their Benefits

What can happen to me? I am perfectly fit and fine.” Isn’t this an extremely familiar excuse? But when life throws a curveball of health complications, then neither the optimism works nor does the excuse. Health insurance does.

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5 Newest features of Health Insurance in India

Health Insurance is one sector in India that is constantly transforming and more and more aligning with the needs of the customers. The improved awareness of the policy holders is critical in this constantly changing sector so that they can make a wise and informed decision about their most important aspect of life, which is health.

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Is Health Insurance Affordable in India?

Health insurance or medical insurance are commonly used termed, which refers to a provision that helps you safeguarding your finances in case of a medical emergency. It is essential to opt for health insurance for you and your family for an all-round protection against rising medical expenses. Health insurance premium is quite affordable and easy on pocket as compared to other foreign countries.

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Is your health care Insurance Plan helping you Save Tax?

A salaried person is always on a look out to save taxes. Rightfully so, as tax saving is an integral part of long term financial planning. There are 3 major ways to save taxes in India, namely- term insurance policy, life insurance policy and health insurance policy.

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Is investment in health insurance worth it?

Today’s disrupted lifestyle has made it extremely difficult to stay healthy. In fact, most of the millennials today are suffering from diseases related to lifestyle. We all are aware that medical treatments cost a bomb. This makes it vital for everyone to invest into a suitable medical insurance plan.

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Why corporate health cover is not sufficient to secure your family’s health

Underinsurance not only causes stress and results into sudden out of pocket expenses for policyholders during times of medical emergency but also gives them a false sense of being covered.

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Important terms used in your health insurance policy

To understand the offerings of a health insurance policy, it is important to know the meaning and definition of the commonly used health insurance terms. We have defined here some health insurance key terms to help HDFC ERGO’s customers make an informed decision.

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Know How significant it is To Upgrade Your Health Insurance Coverage

Health has become a major concern today - courtesy rising pollution, food contamination, fast-paced lifestyles etc. And with escalating medical costs, it is but indispensable to buy health insurance policies to avoid huge medical expenses during emergencies.

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Importance of Health Insurance in Today's Modern Day Lifestyle

Modern day lifestyle is striving hard to take people away from healthy living, and has succeeded to a great extent. The fast paced life brings with it stress and anxiety that is also taking a toll on the physical health.

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Know The importance of health insurance for Self Employed people

In the old days, being self-employed was considered an unreliable means of income. People couldn’t come to terms with the ambitions of many businessmen and entrepreneurs because they believed that it lacked the stability of a 9 to 5 job.

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The Impact of Health Insurance on Your Life

For most of us a health insurance policy is yet another document to besafeguarded in a cabinet in our house and/or a folder in our computer, until circumstances require us to put it in use. Less do we realize how investing in a health plan transforms our life for better.

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Get Smart and Know How to Make Savings On Health Insurance Premiums

Insurance premiums can be inexpensive if you know how to lower your premiums. One can adopt various measures, provide optimum coverage and at the same time not have to pay too much. Here are some smart tips you can use to lower your health insurance premium outgo!

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How To Purchase Add-on Cover For Your Heath Insurance Policy ?

While buying insurance, exceeding the budget to accommodate add-on covers can turn out to be a wise decision. We, at HDFC ERGO, have carefully curated health insurance policy plans to provide wholesome security to you and your family.

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How to Make the Most Out of Health Insurance Plans ?

Like every other insurance policy, health insurance is a service you pay for but hope that you will never need. It is basically a protection cover for unpredictable and unforeseen medical emergencies that come up in an individual’s life.

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How to Compare Health Insurance Policies

Health insurance is meant and rather required by all but yes, the coverage depends on the age of the insured. We, at HDFC ERGO, consistently strive to curate health insurance policies especially catering to each age group, thus ensuring maximum comfort and protection. Here is how you can compare health insurance plans from HDFC ERGO.

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How Does Cashless Claims Work?

We often overlook one of the most important aspects of an insurance plan and i.e. a hassle-free claim. The conventional reimbursement process is where the policyholder submits documents for the incurred medical expenses after the treatment is completed.

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Health Insurance for Parents and Senior Citizens

Not sure about investing into health insurance for your parents? Insurance market in India is currently blooming with a myriad of health care plans that are specifically designed for your parents, no matter if they are living with you or not.

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Know everything about different types of health insurance

In the frantic world of the 21st century, the workday extends beyond the agreed upon 9 to 5 timings, our food intake exceeds calorie charts and consumer habits are centred around buying stuff we don’t need, with money we don’t have!

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A Guide to Health Insurance Renewal

So, last year you had bought your first health insurance policy, which means this year it’s due for renewal. Last year you had covered yourself and family with a total health cover, how about continuing the trend and renewing policies online instantly to enjoy continuity benefits.

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Equitable penetration of Health Insurance is a Need of Time

The gross domestic product (GDP) growth of any country is directly linked to the health of its population. However, healthcare is one of the key challenges for India, given lower awareness levels and lower government spending on healthcare. The opportunity cost of a poor state of healthcare is enormous.

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Should you opt for Individual Health Insurance apart from Employer Insurance?

Let’s face it – setting some time aside to figure out health insurance is not really on top of anyone’s to-do list. We tend to think of it as an unnecessary hassle and so, we are very eager to sign up to group insurance policies provided by our employers.

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Don't Allow Critical Illness to Derail your Life

According to the World Health Organization, half of all heart attacks in India occur under the age of 50 years and 25% under the age of 40. It is estimated that India will have over 1.6 million strokes per year by 2015, resulting in disabilities on one third of them.

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Don't Ignore investing in Insurance as a risk management tool in your early career

Your greatest asset is not your home or your car. It is your ability to earn a regular income for the financial stability of your loved ones. Even a month without an income may be extremely difficult emotionally as well as financially. Being able to earn an income is time-bound and protecting it for the long-term will always be your priority.

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Does Your Health Insurance Plan Covers Maternity ?

Motherhood is indeed the best phase of every woman’s life journey; it’s a beautiful feeling of giving birth. However, welcoming this new member calls for a lot of additional responsibilities too.

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Guide to Health Insurance plans for heart and other specific diseases

No matter how healthy a lifestyle you may lead, sometimes there is no running away from certain diseases. Some ailments could be caused due to certain genetic predispositions and history of illness in the family. This means that you stand a higher risk of contracting certain diseases if members in your family have had a medical history with particular ailments.

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Different add-on covers available for your health insurance policy

You will buy added accessories to support it. This is how add on covers work in case of a health insurance policy. Instead of buying a new expensive policy, you can opt for certain additional riders which can enhance the benefits of your pre-existing health insurance plan.

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Critical Illness Insurance Is a Must for Working Professionals

Working for extended hours in office has become a trend these days. Constantly staring at the desktop and sitting in the same position for all day long may affect your heath drastically. Our everyday hectic office schedule often leads to improper eating habits; we either end up skipping meals or over eat junk at the end of the day.

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Critical Illness Insurance for Organ Transplant

Critical illness is an illness or disease that can deeply impact your physical and emotional well being. It can also be life threatening. Some of the diseases that come under critical illness are cancer, heart attack/stroke, kidney failure etc.

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Critical Illness Insurance Cover for the Self Employed

There is no second thought to the fact that health insurance is one of the most important requirements in today’s times. With increasing medical expenses and a never before rise in lifestyle related diseases, it is vital that you have a critical insurance cover to keep you protected against all kinds of scenarios.

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Complete guide to senior citizen health insurance policy

People who have crossed the age of 60 years are considered to be in the senior citizen segment. Senior citizen are much more susceptible to health disorders. The chances of having health issues obviously increases with age and some of them may even require a serious medical care, making health insurance for senior citizen an absolute necessity.

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Common Misconceptions about Health Insurance

There are numerous misconceptions among policy buyers regarding health insurance policies. So, before you buy a fresh insurance policy or amend your pre-existing one, let us shatter some common health insurance myths:

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Benefits of Buying Health Insurance at an Early Age

Health Insurance is truly our friend who sticks by us when we need it the most. Although there is no specific age for buying a health insurance plan, it is always advisable to start it as early as possible.

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How Budget 2018 Will Help You Make the Best Use of Health Insurance?

Just like every year this year too our financial minister of India Mr. Arun Jaitley has announced a few amendments in the field of health insurance sector. For the poor economic sector with low income group cover of as much as Rs. 5 lakh each under a National Health Protection Scheme.

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The Best Way to Finance Medical Expenses

During the past few years medical science has observed rapid advancements, due to which the cost of medical treatment has increased drastically. Medical emergencies or accidents do not happen with prior intimation. It could happen at any point of time and leave us in a state of shock and trauma.

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Benefits of renewing your health insurance policy

You have spent days finding the best health insurance plan for your family. The plan is awesome with a modest premium and extensive coverage. You have been renewing it religiously for the past three years.

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All You Need To Know About Travel Insurance While Flying

To travel is to live. By travelling you get to connect with new people around and indulge onto a unique culture. Be it a business trip with hectic schedules or a leisure tour with family and friends, travelling gives you new experiences and allows you to see life through a different lens altogether.

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All You Need To Know About Maternity Insurance

Anticipating a new life to be born is one of the most blissful as well as challenging phases of life. For a couple, the phase of pregnancy is a journey that they take together. While maternity is in no way a sickness, however, because of the criticality and hospital expenses involved, health insurance with maternity benefits is very important.

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All you need to know about Health Insurance

Health is one of the most crucial aspects of your life and it is important to have health insurance in case of an emergency. Besides financial coverage, health insurance also provides you peace of mind and access to quality health care services.

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All Things to Know about Health Insurance for Kids

The changing dynamics prove that health insurance is no longer necessary only for seniors. Modern living is uncertain and stressful, and protecting yourself against huge healthcare costs is important. You may do this by purchasing health insurance coverage.

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All Things to Know about Group Health Insurance

Health issues are common due to stressful modern lives. Furthermore, healthcare costs are escalating. A hospitalization may result in major financial difficulties and use up all your savings.

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Advantages of HDFC ERGO health insurance policy

HDFC ERGO is without doubt one of the most trusted names when it comes to health insurance. With a commitment of outstanding customer support, the company has a myriad of plans in its kitty to suit the varied needs of every customer.

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A quick guide to health insurance plans by HDFC ERGO

The diseases that affect the younger generation have increased significantly. Add to that the rising medical expenses, and it becomes obvious why health insurance is so important. If you ask any health insurance expert, they will suggest taking an insurance before you turn 30.

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8 Precautions to Take while Travelling

Like the famous Ibn Battuta once said, “Travel, it leaves you speechless, and then turns you into a storyteller”. Indeed, travel is truly a ‘food for the soul’. However, if you ask a traveller, his tales may not be as rosy as you think. What we are referring to here is travel-related health woes.

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5 Ways to Take Care of Pollution Related Health Problem

India is the second most populated country in the world, as a huge nation it has led to a rapid growth in industrialization. As compared to the other nations in the world, India and China has worst pollution levels. In May 2014, WHO showed India as one of the most air polluted countries in the world.

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5 Reasons to Get Health Insurance for Employees

Health coverage is offered by most large companies as part of the employee benefits. However, medium-sized companies do not always offer health insurance for employees. Retirement funds and health benefits are two of the most important considerations for employees.

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5 common Myths about Health Insurance deciphered

There are many insurance myths floating around about health insurance that deter people from buying them and enjoying the many benefits that come with a good health insurance policy from a reputed insurance company.

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3 unexpected ailments that can be avoided through a healthy lifestyle

Some diseases have genetic connection, and some are more closely associated with the lifestyle. Even chronic diseases which were more common in specific geographical regions have become a rampant problem of the present generation in all parts of the world.

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Most Common health insurance mistakes and how to correct them?

Right from deciding on coverage to comparing premiums across companies, buying health insurance can be a pretty overwhelming process. As a consequence, people tend to make many health insurance mistakes that could cost them dearly during the time of claim settlement and reimbursement.

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Why Should You Include Critical Illness Insurance In Your Health Insurance Portfolio ?

In those two minutes that you will take to read this article, four people under the age of 50 will die of heart attack. By the time the day is over, 1,300 people would have been diagnosed with cancer.

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Why is Health Insurance Important in India ?

Living in this fast paced world is becoming increasingly stressful and resulting in major health conditions especially among Indians. Millions of Indians lose their lives to heart diseases and diabetes, which, according to a report by WHO is

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Why women in India should be encouraged to take individual health plan ?

While happily wrapping up work on a Friday evening, Nisha Jain, a bank professional complained of severe chest pain for which her colleagues had to rush her to the nearest hospital. To her surprise, at the young age of 38, she was diagnosed with breast cancer. Nisha and her family had to bear hefty expenses incurred during the course of treatment as she was not insured under any health insurance plan.

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Why Should You Compare Health Insurance Policies Before Buying ?

The medical inflation is rising at an unprecedentedrate and therefore, it makes sense to compare health insurance policies beforehand to ensure that the policy you are intended to buy is in sync with the current situation.

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Importance of Top up Plans in Health Insurance

Health insurance plans in India have gained tremendous impetus in the past few years. With the advancements in medical science, there has been a steady rise in the cost of medical treatment.

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Seven critical factors to compare various health plans in India

Mr. Suresh Nair decided to buy a health insurance policy to insure the health of his entire family. He checked all the available health insurance plan options, but he got confused as there were various options in the market. He found the entire process of buying a health insurance policy baffling and time-consuming.

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10 Things to Note While Renewing Your Health Insurance Policy

Buying a health insurance to safeguard your family is a responsible step taken in the right direction. But do you know for your policy to remain valid, you also need to renew it every year?

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Precautions to be Taken During Rainy Season: Don't Miss These 7 Safety Tips

Rains provide relief from the sweltering heat of the summer season. However, monsoons also bring with it certain unwelcome diseases. Coughs, fever, and infections are common in the rains.

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5 Precautions to Be Taken In Winter Season

Winter is coming, and it’s time to brace ourselves for the chilling and harsh weather. It’s that time of the year, when you get irritated by dry skin and frequent flu fighting that ruins your winter vacation plans. Doctor clinics and hospitals are

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Precautions to Be Taken For Dengue Prevention

As per Ministry of Family and Health Affairs, India has witnessed numerous rising cases of Dengue every year with many of these leading to death. Dengue fever, also known as the bone-breaking illness is hazardous to your health.

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5 Things to Know About Maternity Insurance in India

Motherhood is the most important transition that a woman goes through. Although you may see a lot changing in your life at this time, becoming a mother is truly a magical journey.

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Why Individual Health Insurance Is A Must Buy Over corporate Health Insurance ?

It is imperative to understand that most of the corporate health insurance policies offer coverage on the basis of the employee’s seniority and scale of salary. The same may discontinue or reduce after retirement. Also, the time you change or lose your job, you will not be covered under the corporate health insurance and there is no guarantee that the new employer will also offer you insurance.

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How to buy the Best Maternity Insurance Plans?

Motherhood is indeed a much awaited and pampered phase of life, it’s when you are about to give birth to a new life altogether. You want everything to be perfectly set and done to avoid any end moment complexity. With the rapid

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Importance of Health Insurance for Women

Today, when the world is being outspoken about the term Feminism, which speaks about gender equality. It’s high time we pull up our socks and pay equal attention to women health care and hygiene. Women often get so engrossed in fulfilling family responsibilities and duties that they tend to forget their own good. It's time to secure their health

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Why Claim Settlement Ratio Matters to You ?

Healthcare expenses are rising at an alarming rate. In addition, the number of people suffering from serious health conditions is also rising. Fast-paced and stressful careers, unhealthy eating habits, and lack of exercise are common reasons for increasing illnesses.

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Health Insurance Plans and Implications Of Room Rent Limit

Health insurance is a type of insurance which helps an insured person cover the cost of medical, healthcare and surgical expenses. A health insurance is also popularly known as mediclaim or medical insurance.

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Impact of GST on Insurance

We have all heard about GST, i.e. Goods and Services Tax. Here is a little background on this tax to help you understand it better. GST was first announced in the Parliament in the year 2006 with the primary objective to simplify and unify the

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How to select a good critical illness insurance cover ?

The importance of health insurance seems to be on an all-time high with ever increasing medical cost, environmental hazards and deadly diseases.

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How does Health Insurance With Waiting Period Work ?

As you grow older, the possibility of you suffering from medical problems increases. However, unhealthy eating habits, stress, and sedentary lifestyles are resulting in people suffering from major illnesses at an early age as well.

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Health Insurance Premium Calculator for Senior Citizens & How It Works ?

Health Insurance is a shield that keeps your finances protected against rising medical expenses. Each day medical care costs keep rising due to advancement in medical science. To cope up with the rising medical expenses, you either have to dig onto your savings or settle for inferior quality of medical treatment or life.

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Obesity may lead to higher health insurance premium

Sedentary lifestyle and inactive fitness routine may lead to increase in weight and be a prime reason for inviting innumerable diseases. Being obese puts you at a higher risk of developing a number of potentially serious health problems, including – heart disease, stroke, diabetes, breathing disorders, musculo skeletal disorders (especially osteoarthritis), gallbladder disease, infertility, non-alcoholic fatty liver disease, kidney disease and some cancers and lots more.

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Health Insurance for NRIs

Can NRI’s buy health insurance in India? Is a commonly asked question by all the non-residents Indians? Many of us reside overseas; however keep coming back to India.

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Is there an Age Limit for Availing of Health Insurance ?

As you grow older, it is likely that you may suffer from serious ailments. Treating such diseases is becoming expensive with increasing inflation. Securing your financial stability especially during your senior years when you primarily depend on pension income is crucial.

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A Complete Guide to Family Health Insurance in India

Ever wondered if there is a single way to protect the health of your entire family with just one single premium? Asworried about rising medical costs, you would be interested in buying a health insurance plan that can offer sufficient insurance

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Best Family Health Insurance Plans in India

We all work hard and make sacrifices in order to take care of our loved ones. Seeing our families hale and hearty is one of our life’s best sights. A Family Health Insurance serves this goal by securing our families future and well being.

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Different Kinds of Health Insurance

With increasing medical costs and elevating rates of accidents and lifestyle diseases, everyone needs to be covered by a health insurance plan in order to escape high medical expenses. However, there are a number of Health Insurance

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6 Questions about Mediclaim Policy that every Health Insurance Seekers should know

In India, Mediclaim and health insurance scheme are mostly used interchangeably. However, in actuality there is a fundamental difference between the two. While it is true that both schemes are designed to address health emergencies, the benefits of health insurance plan supersede mediclaim policy at any given day.

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What are the differences between Health Insurance and Life Insurance?

For those who are just figuring out their way around getting insurance, the sheer number of insurance options available and the different types can be quite staggering. Car insurance, home insurance, marine insurance, fire insurance… the list goes on.

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Understand the Difference Between Critical Illness Insurance and Normal Health Insurance

There are several types of health insurance plans available on the market. You might think that your normal health insurance policy will cover the treatment cost in case you are diagnosed with a critical illness, but this might not be the case!

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What are the Deductibles in Health Insurance in India ?

Deductibles, co-pay, co-insurance - Read the fine print and you will come across these terms in health insurance policies. It is a good idea to know the meaning of these health insurance terms before you choose a plan.

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Day Care Coverage by Health insurance policies of HDFC ERGO

We often associate health insurance as useful only when someone is admitted to the hospital, but the fact is that your health insurance policy offers much more. One such offer is ‘day care procedures’. One must opt for this coverage while buying health insurance.

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Guide To Compare Health Insurance Plans for Senior Citizens in India

Health insurance is a must for every individual. Sedentary lifestyle and poor eating habits has increases the probability of health risks. Due to which signing up for a health insurance plan has become very crucial. Health insurance has become

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Can We Claim Health Insurance from Two Companies?

It is possible that you may have more than one health plan to cover your medical expenses. One reason could be that you have availed of an additional coverage over and above the group insurance offered by your employer.

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How is Parents Health Insurance Policy Premium Calculated ?

Truly, parents are our most valuable asset in life. Your parents lay the foundation of your life; unarguably their entire life revolves around you. They have spent years sacrificing their life goals just to ensure your needs are fulfilled, however

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Steps to find best health insurance plans for cancer patients in India

The very mention of the word “cancer” evokes very strong emotions of fear, pain and loss. Instances of cancer have become so common, right now that most people have someone in their circle of friends and family who are going through or have gone through the struggle against malignant tumour.

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What is Health insurance Card and why do you need it ?

Remember the last time you or your dear one was hospitalized, the first question that’s been asked at the reception is do you have a health insurance card?

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80D Benefits on Your Medical Insurance Policy

Many of us buy health insurance policies for securing health and ensure complete protection against medical expenses. However, health insurance policies also help in saving tax upto Rupees. 55,000.

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5 Things You Didn’t Know About Your Health Insurance Benefits

Personal health or the health of a family member is your first priority. If you are physically fit you may think that a health cover is not worth it, you must think again.

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4 Common Health Insurance Exclusions

Health insurance is a kind of insurance that offers us financial protection during a medical crisis, by paying for our hospital and other medical-related bills.

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Why You Should Buy Health Insurance for Your Parents Now?

One common problem with millennials these days is that their parents are reaching the age of 60 and they do not have valid health insurance

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Important Reasons for Students to Get Health Insurance

A large number of students travel abroad to pursue higher education since globalization has eliminated geographical boundaries. This allows you to pursue your dreams and acquire the best education from an international university.

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10 Things to Consider Before Buying Health Insurance

As there are a lot of firms selling health insurance policies in India, selecting one can really become a daunting task. Apart from a lot of plans to choose from, intimidating jargons which otherwise are called as policy wordings add to the confusion.

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How much Health Insurance do you Require ?

Advances in medical sciences have lifted the life expectancy significantly in the last few decades. However, changing lifestyle and external factors have resulted in individuals

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Insure Health at right age

Individual Health Insurance provides coverage for operational procedure, medicines, hospital stays, diagnostic tests and other medical expenses related to the hospitalization.

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Insuring Children’s Health is Important

With changing dynamics of the healthcare business, it is foregone conclusion that Health Insurance is no more a product meant only for elderly people. In today’s world, where stress

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Make Your Health Insurance Claims Hassle Free

In a day-to-day life so many times we find people who are complaining about insurance companies. All the hassles and paper-work to be done and yet at times the claims are unsettled for various reasons.

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How the premium of medical/health insurance is calculated?

Travel is one of the life’s greatest pleasures, but, unforeseen events can complicate even the most carefully planned trip. Loss of luggage, passport loss, canceled flights, or medical

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Tax Benefit on Health Insurance

While medical emergencies do not strike frequently to most people, one cannot afford not to have a Health Insurance with medical inflation running in double-digits in India.

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Things one should know before buying health insurance

Health insurance policies are myriad; they are designed to cater everybody’s needs. Keeping in view various scenarios and probable events, the health insurance provider

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Things covered in a cashless health insurance policy

Health Insurance is one thing that every individual household must have in order to secure their family members from the exorbitant expenses that may arise due to sudden illness.

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Secure Your Health with HDFC ERGO’s Affordable Health Suraksha Plan

Escalating cost of medical treatment is getting beyond the reach of the common man in India. Imagine being diagnosed with an illness and need to get hospitalized. More than the disease itself, an individual today worries more about the collateral damage that one has to face on account of hospitalization.

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Riders + Basic = More FIT

The irony, as they say, is inescapable. Medical emergency can catch anyone unaware and the damage can be far greater than what is normally assumed…medically & otherwise!

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Restore Exhausted Sum Insured with HDFC Health Suraksha Regain

Uncertainties and unfortunate events in form of illnesses, injuries or accidents can catch you off guard and unprepared. The cost of medical treatments and recuperating only add pain

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Medical Insurance Portability

Insurance Regulatory and Development Authority (IRDA), the apex regulator of the Insurance Industry released a circular giving guidelines on introduction of portability of medical insurance in India.

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Make medical insurance a must for your household

Most people want adequate health care cover for their loved ones, they look up to the government to provide affordable and accessible health care. The conditions of those facilities

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Importance Of Personal Medical Insurance

In current times of high medical inflation rates, failing to hold adequate amount of medical insurance cover can prove to be a major personal finance disaster. This could lead to either poor health care because of non-affordability or spiral an

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How To File A Health Insurance Claim ?

Health insurance is a great way of financial protection in times of a health emergency. But filing a claim can get very frustrating if you do not know the procedure. Once you know how to file a claim, the process seems much easier than before.

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How to buy personal accident insurance online

Accident happens uninformed. It can occur anywhere, while you are travelling or performing regular chores at your home. The aftermath of an accident can result in injury and disablement

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How to buy health insurance online ?

Health insurance is a financial instrument which enables individuals and groups to safeguard their health from the perils of disease and sudden ailments.

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How the premium of medical or health insurance is calculated ?

Living healthy live is something that most of us yearn for. In order to achieve this, people resort to many activities such as yoga, regular exercise and take other related measures

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Healthcare inflation is close to 20% – plan accordingly

Healthcare inflation in India is close to 20% as compared to overall inflation of 8-9% per cent in the past few years. What it means is that if you need to plan for medical emergency then you need to factor tomorrow’s cost, today.

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Health Protection for 2015

A random search on the Internet would show that most of the New Year Resolutions revolve around two most important aspects of our lives – Health and Finance.

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Health insurance for senior citizens

Health insurance provides a wide range of policies for every age group. However these options can be considered as ‘many’ only if one is below 50 years age.

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Health Insurance And Third Party Administrator

Health insurance protects us from financial hazards that may arise from health-related emergencies. The Third Party Administrator is a vital link between health insurance companies, policyholders and health care providers.

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HDFC ERGO HEALTH SURAKSHA TOP UP – PLUS & PRO

HDFC ERGO General Insurance Company announced the launch of Health Suraksha Top Up plan in October 2012 in its persistent endeavor to provide customized & innovative health insurance solutions.

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Enhance your Medical Coverage with Inexpensive Top-Up Plan

Health is a major concern for most of us. From elderly parents to newborn children, medication and hospitalization play a significant role while ensuring the health of a family. While age-related ailments

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Elements of health insurance – Terminologies and their benefits

Health Insurance, in the present day and age, has become indispensible for each one of us. It ensures you of the medical expenses that might be incurred by you in the future. There are various types of health insurance

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Critical Illness Insurance Protects You and Your Family

A Critical Illness is often diagnosed when people least expect it. Getting appropriate treatment without worrying about finances is extremely important and the best way to get that

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Why you should get a critical illness cover even if you have a medical insurance?

Many people are of the view that they do not require critical illness cover if they already have a medical insurance policy. Most of them consider medical insurance

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Calculation Of Health Insurance Premium

One wonders about how a health insurance company calculates the premium you are required to pay? Here are some of the answers.

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Affordable Home Insurance Policy from HDFC ERGO

Home is where the heart is, as rightly said. A home is the place of innumerable memories; no money is better spent than what is invested on your home.

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Fraud And Health Insurance Claims

A health insurance claim prepared with the intention to deceive, conceal or distort relevant information that eventually accounts for health care benefits for an individual or a particular group is defined as fraudulent health insurance claim

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Know how premiums change with your age

Remember how as a child you couldn’t wait to grow up wanting to go to a college, start a career and live your dream. But reality burst your bubble! Now, you are just busy managing bills, finances, maintaining work-life balance and often wonder how your parents used to do it all. Well, let’s just admit – being an adult isn’t that amazing. Also now there’s one more additional thing that always concerns you – your and your loved ones’ health and that’s why you opt for a health insurance. Do you know that with your age, your policy plan too gets changed? If not then let us find out what more candles on your birthday cake mean to your health insurance premiums.

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Important Things to Know about Cashless Hospitalization

Have you ever needed to rush to an ATM in the middle of the night because someone had to be hospitalized due to an emergency? Have you called your friends or relatives seeking cash for hospitalization?

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Awards & Recognition