HDFC ERGO Health Insurance FAQs

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HDFC ERGO Health Insurance FAQs

  • 1. Is HDFC ERGO Health Insurance a trusted medical insurance company?

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

  • 2. How to get a claim from HDFC ERGO Health Insurance?

    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.

  • 3. How can I contact HDFC ERGO Health Insurance?

    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.

  • 4. Can I insure my entire family with an HDFC ERGO Health Insurance plan?

    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.

  • 5. Is a COVID 19 cover available?

    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.

  • 6. Can I get any tax benefits?

    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.

  • 7. Can I buy an HDFC ERGO Health Insurance plan online?

    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.

  • 8. Is it easy to renew HDFC ERGO Health Insurance?

    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.

HDFC ERGO Insurance Renewal FAQs

  • 1. When is the suggested time to get my HDFC ERGO health insurance renewal done?

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

  • 2. Can I lose out on free health check-ups if I fail to renew my HDFC ERGO health insurance?

    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.

  • 3. Can I get my HDFC ERGO health insurance policy portable without losing my continued benefits?

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

  • 4. Does the HDFC ERGO offer a grace period to renew my expired health insurance policy?

    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.

  • 5. How long does the renewal of HDFC ERGO health insurance online take?

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

HDFC ERGO Health Insurance Claim Settlement FAQs

  • 1. What is the contact number of HDFC ERGO health insurance for claim-related queries?

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

  • 2. Can I apply for a cashless claim settlement at a non-network hospital with HDFC ERGO health insurance?

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

  • 3. Will I be required to pay for anything during the HDFC ERGO cashless claim facility?

    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. 

  • 4. Where can I learn more about the claim process with HDFC ERGO health insurance?

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

  • 5. Does the company’s CSR tell how likely the HDFC ERGO is going to settle the insurance claim?

    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.

HDFC ERGO Insurance Policy Download FAQs

  • 1. What is a soft copy of the HDFC ERGO health insurance policy document?

    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. 

  • 2. I already have a soft copy of the HDFC ERGO health insurance policy document, can I get the hard copy as well?

    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.

  • 3. Is there a way I can download the HDFC ERGO health insurance policy with the help of the policy number?

    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.

  • 4. What is a cover note in HDFC ERGO health insurance policy?

    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.

  • 5. Do I need to read the fine prints within the downloaded HDFC ERGO health insurance policy documents?

    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.

HDFC ERGO Insurance Benefits FAQs

  • 1. Can I select my hospital room with the HDFC ERGO health insurance policy?

    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.

  • 2. What are some of the crucial benefits of HDFC ERGO health insurance?

    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.
  • 3. Do HDFC ERGO health insurance plans cover pre and post-hospitalisation costs?

    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.

  • 4. Does the HDFC ERGO health insurance plan offer a no-claim bonus?

    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. 

  • 5. Is it beneficial for students to have HDFC ERGO health insurance policy coverage?

    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.

     

HDFC ERGO Health Insurance Network Hospitals FAQs

  • 1. How to check for all HDFC ERGO health insurance network hospitals?

    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. 

  • 2. Does HDFC ERGO offer a cashless claim facility under both network and non-network hospitals?

    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.

  • 3. I currently live in Kolkata. How can I check for the HDFC ERGO health insurance hospital list near me?

    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. 

  • 4. Where can I get the form for online hospital empanelment under HDFC ERGO?

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

  • 5. What is the dedicated email address for network hospital-related issues under the HDFC ERGO health insurance policy?

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

HDFC ERGO Health Insurance Premium Calculator FAQs

  • 1. While using the HDFC ERGO health insurance premium calculator, will I be required to put any information about pre-existing diseases?

    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.

  • 2. Can I use the HDFC ERGO health insurance premium calculator to get quotes on insurance for my parents?

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

  • 3. Is there an option to select members that I want to get insured under my HDFC ERGO health insurance with the premium calculator?

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

  • 4. Can I use the HDFC ERGO health insurance calculator to compare different plans?

    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.

  • 5. Does the duration of the policy affect the premium of my HDFC ERGO health insurance?

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

HDFC ERGO Health Insurance Top Up Plans FAQs

  • 1. At what age can I buy HDFC ERGO top up plans?

    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. 

  • 2. Are medical tests necessary before HDFC ERGO policy acceptance?

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

  • 3. Can I get coverage for alternative treatment from the HDFC ERGO top up insurance policy?

    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.

  • 4. What is the highest amount of sum insured I can get from HDFC ERGO top up insurance?

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

  • 5. What is the lowest deductible amount will I have to pay on HDFC ERGO top up insurance?

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

HDFC ERGO Health Insurance Critical Illness Plans FAQs

  • 1. What exactly is critical Illness health insurance coverage?

    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.

  • 2. What type of documentation is needed to buy the HDFC ERGO health critical illness cover?

    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.

  • 3. What is the maximum amount insured under Critical Illness health insurance?

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

  • 4. Can I return my HDFC ERGO critical illness plan if I'm dissatisfied?

    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.

  • 5. Can I keep extending this coverage indefinitely?

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

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