HDFC ERGO Health Insurance FAQs

Yes, HDFC ERGO is a very reputed and trustworthy health insurance company in India. The company has an impressive incurred claim ratio of 62%.

The company has a wide network of 10,000 + panelled hospitals all across the country. You can get admitted to any of these hospitals and avail of the cashless claim, facility. Alternatively, you could also get the amount reimbursed by submitting the claim form and the list of documents required, if you get treated at a non-network hospital.

You can contact the company on telephone, WhatsApp or email. You can also mail the company or visit any branch and directly speak to them regarding any query or issue that you may have.

There are many family floater health insurance plans on offer from HDFC ERGO. These plans are affordable and cover all members of a family, including small babies and elderly parents.

Like most other health insurance companies, HDFC ERGO is also offering a Corona Kavach plan nowadays. You can get covered for all issues related to the COVID 19 infection if you have this plan.

Yes, tax benefits up to INR 50,000 are available for the premium you pay towards the HDFC ERGO Health Insurance Plans. You get this benefit under Section 80D of the Indian Income Tax Act.

You can easily buy the HDFC ERGO Health Insurance plans online. You can buy them from the company’s own website or from the website of a reliable insurance aggregator.

The renewal process is very simple. You can go online, pay the renewal amount and get your health covered renewed instantly. You can also ask your health insurance agent to help you with the task. Alternatively, you could visit the branch of HDFC ERGO Health insurance and get your mediclaim policy renewed in a hassle-free manner.

The suggested time to get your HDFC ERGO health insurance renewal done would be a week to 30 days before policy expiration.

Yes, the free health check-up is awarded within 60 days of getting your policy renewed, which means you can lose out on that if you fail to do so.

Yes, your health insurance policy is portable without losing your continued benefits.

Yes, a grace period of up to 30 days is available to renew your expired HDFC ERGO health insurance policy. Check with your policy documents for more information on this matter.

It takes a few minutes to do your HDFC ERGO health insurance renewal online.

Here are the numbers for claim-related queries with the HDFC ERGO health insurance, 022-6234-6234 and 0120-6234-6234.

No, you can only apply for a cashless claim settlement through a network hospital under HDFC ERGO.

The majority of the medical expenses will be paid by your insurer and you will only be required to pay for certain non-included expenses that the HDFC ERGO health insurance doesn’t cover under the cashless claim feature. 

You can learn more about the claim process OF HDFC ERGO on the website.

Yes, with the HDFC ERGO health insurance settlement ratio, you can get a general idea of how likely your insurance claims are going to be settled.

A soft copy is a digital copy of your HDFC ERGO health insurance policy document that you can store on your mobile device, your computer or on the cloud. If you are looking to settle the procedure of HDFC ERGO health policy download online, then you need to visit the official website. 

You can avail of a hard copy even after getting the soft copy via the HDFC ERGO health insurance policy download procedure. You will need to contact the HDFC ERGO health insurance office executive by emailing them or by visiting the nearest branch and they will guide you through the procedure.

Yes, you can easily complete the HDFC ERGO health insurance policy download by policy number, as well as the registered mobile number or email address. Just visit the official HDFC ERGO health insurance website, go to the “self-help” section, click on the policy option from the “policy document” tab and provide the policy number to get access to the document.

Until the official HDFC ERGO health insurance policy is produced, a cover note is provided to the policyholder, which is a temporary document that acts as proof of your health insurance coverage.

Yes, the fine prints on your HDFC ERGO health insurance document carry crucial information. So, after getting your HDFC ERGO health policy document download done, read through the fine print with care.

Yes, as one of the HDFC ERGO health insurance benefits, you can get your pick of hospital rooms, but you will have to refer to your plan for more details.

A few crucial HDFC ERGO health insurance plan benefits are:

• It keeps you covered in the time of medical inflation
• It covers the majority of medical costs
• It helps you to save on taxes
• It provides free health check-ups
• It helps raise your sum insured if you don’t claim in a policy year.

Yes, pre and post-hospitalisation costs are covered under the HDFC ERGO health insurance plan. To get the exact details, do refer to the selected policy details.

Yes, one of the vital benefits of HDFC ERGO health insurance is that you can get a no-claim bonus for every claim-free year with the policy. 

There are multiple benefits of having an HDFC ERGO health insurance policy coverage; anyone can take advantage of these. Thus, it is highly recommended to have HDFC ERGO health insurance even if you are a student. You can ask your parents to include you in their family floater plan of HDFC ERGO. Your addition to the plan will increase the premium but will still be within control as major changes to the premium of a family floater policy depends on the age of the eldest member.

To check for available partnered HDFC ERGO health insurance hospital list, visit the official HDFC ERGO website, enter the general details like city, state or pin code and proceed to search. The available partnered hospitals across India will be listed within seconds, along with their respective contact and address details. 

No, the cashless claim and treatment facility is only offered in case you opt for treatment from a network hospital under the HDFC ERGO health insurance policy. If you go with a non-network hospital, the only claim option available to you is a reimbursement claim.

You can easily refer to the official HDFC ERGO health insurance cashless hospital list to get information about partnered hospitals under HDFC ERGO within Kolkata and other locations. 

You can visit the customer support page for the online hospital empanelment form under the HDFC ERGO health insurance policy. 

The dedicated email address by HDFC ERGO health insurance for network hospital issues is nsp@hdfcergo.com. 

Yes, you will get the option where you can check the option of pre-existing diseases, if applicable, at the time of using the HDFC ERGO health policy calculator.

Yes, you can use the HDFC ERGO health policy calculator to get quotes for insurance for your parents.

Yes, with the HDFC ERGO health insurance calculator online, you can add members to your plan in order to get the general price estimation.

Yes, with the help of this online tool, you can easily compare the prices of the different HDFC ERGO health insurance plan premiums within seconds.

Yes, the duration of your HDFC ERGO health insurance plan's term period does affect its overall premium price.

For Health Suraksha Top Up Plus Policy, the minimum age requirement is 6 years, while the same for my: health Medisure Super Top Up Plan is 18 years. 

Pre-acceptance medical screening is mandatory only after the age of 55 years.

Usually top-up plans cover alternative treatment. As per the brochure on the company’s website, there’s no mention of alternative treatment coverage under HDFC ERGO top up insurance policies. However, you could contact the insurer to know more about this.

my: health Medisure Super Top Up Plan offers a sum insured up to INR 20 lakhs.

my: health Medisure Super Top Up Plan offers a deductible amount starting from INR 2 lakhs.

Critical Illness health insurance is a plan that gives out a lump sum payment up to the total sum insured if a critical illness specified under it is diagnosed.

One of the finest aspects of the plan is that no paperwork is required. Simply enter your information online and pay using one of several safe payment methods. You may be required to produce necessary medical papers if you have a pre-existing condition.

You can pick between sums insured ranging from INR 1-50 lacs.

Yes. From the moment you obtain the insurance paperwork, HDFC ERGO provides a 15-day free-look duration. During this time, you have the choice to terminate your insurance if you alter your mind or are dissatisfied with any policy terms or conditions.

Yes, irrespective of your general health or filed claims, HDFC ERGO critical illness policies can be renewed indefinitely.