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Process For Pre Policy Check Up

Health insurance is an easy way to combat the financial catastrophes arising from health issues, making it a necessity. HDFC ERGO offers a great bouquet of products online that can help meet the health insurance requirements of persons from all walks of life.

Customers above a certain age group are required to undergo a medical check-up, also called a pre-policy check up, before their proposals are accepted. The current age limit requiring a pre-policy check for Various products are as follows:

  • Health Suraksha
    • No medicals required till 45 years (Expect if PED is declared)
  • Medisure Classic
    • No medicals required till 50 years (Expect if PED is declared)
  • Medisure Super-top-up
    • No medicals till 55 years (Expect if PED is declared)

Similarly, customers with a pre-existing medical conditions seeking Health Insurance policy may be required to undergo a pre-policy check up.

HDFC ERGO now brings the facility of buying Health Insurance policy on the website above the PPC age limits*. The customers with pre-existing diseases also can use the portal to apply for a Health Insurance Policy. These customers can logon to the website to fill a simple proposal form and pay the basic premium. On receipt of these details, HDFC ERGO will contact the customers. The acceptance of these proposals & any changes in the premium will be based on underwriting decision & pre-policy check up.

Apply for a complete all-round Health Insurance cover at your convenience to secure yourself and your loved ones.

Benefits of PPC/ PED process-
1. Customers above the PPC age limits can buy Health Insurance policy online*
2. Customers with pre-existing diseases can also apply through the website*
3. You will be kept informed on the progress by way of sms and emails. Alternatively you can check the status of your case on our website
* Acceptance of proposal subject to underwriting approval & pre-policy check up.
* 50% of the standard medical tests charges would be reimbursed, subject to acceptance of proposal and policy issuance.

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