hdfc ergo health

If your Doctor recommends, you can get yourself treated at home and avail cashless medical facilities with utmost ease. You can pay for your debts and fulfill financial responsibilities. Your family has a Critical Illness History. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment. A pre-existing disease is a condition, ailment or injury that already exists at the time you buy a health insurance policy and these PEDs are generally excluded from the policy coverage for an initial waiting period. If you are looking for a basic health plan with 360-degree coverage and instalment payment facility. We offer range of general insurance plans in India including motor, health, travel & home. S.Gopala Krishnan, Customer Reviews: Health Insurance|2 Wheeler Insurance| You need to intimate us at least 30 days before the previous year’s policy expiry date that you wish to port your health insurance plan. The key thought of Unani medicine is that disease results employs the humoral theory which presupposes the presence of four akhlaat (humours) in the body – dam (blood), balgham (phlegm), safra (yellow bile) and sauda (black bile). Personal Accident|my:health Suraksha Silver Smart| If you stay in a hospital for more than 10 days at a stretch, then we pay for other financial losses that might have happened due to your absence at home. This health insurance plan will take care of your family’s growing medical needs by offering sum insured restoration benefit, so that you never run out of health cover. It is important to understand that you need a higher sum insured if you reside in a metro city where medical treatment expenses are high. If the nearest hospital or medical facility is listed by the insurance company it will help you avail cashless treatment. HDFC ERGO General Insurance Company Limited. HDFC Ergo is a general insurance company that operates through more than 120 branches across more than 106 cities of India. Registered & Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, You can also get fitness discount if your health parameters such as BMI, diabetes, Blood pressure is improved. You can raise either a cashless claim request by contacting the insurance department at the network hospital or inform your insurer post discharge about the hospitalization and send invoices to avail reimbursement benefits. We go that extra mile actively to secure your family’s health with free preventive health check-ups on renewal and wellness program. Treatment of obesity or cosmetic surgery is not eligible for coverage under your health insurance plan. TAT for approval of pre-authorization requests is 60 minutes. I m really glad with the fact that i had taken hdfc ergo policy.. #AbTakeItEasy with HDFC ERGO Health Insurance. Yes. You do get your cashless card via courier/postal services. Click here to renew instantly. To know about cashless hospitals you can visit our website or call us. You need to check your policy document and enroll your family members by mentioning their name and age to get them covered. If you are young, hale and hearty you should buy a health insurance plan now to get lower premiums. Our health insurance plan for parents offer lifelong renewability & AYUSH benefits to cater their growing medical needs. I am young, fit and fine. Medical advancements help in wrapping up important surgeries and treatments in less than 24 hours, and guess what? Please read the policy wordings, brochure and prospectus to know more about our health insurance plans. | Registered & Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. WhatsApp is planning to start rolling out health insurance and micro-pension offerings in India. This is where HDFC ERGO’s health insurance policies come into play, as they take care of the hospitalization and treatment charges, leaving the consumer free of financial woes. my:health Women Suraksha|Arogya Sanjeevani| Will this particular medical insurance plan require some medical tests? my:health Women Suraksha Cardiac Plan| You are a confident and independent woman willing to secure your health. Your tax benefits may change subject to tax laws. In this case, if you are currently not covered under any group health insurance policy, you may want to get you and your family covered under a new retail health insurance policy. The retail sector products are health, motor, travel, home, personal accident, and cybersecurity policy. If you do not make any claim, your sum insured is increased by 10% as a bonus or reward upto a maximum of 100%. Looking at the list of coverage and benefits before buying a health insurance plan is important and should not be overlooked. It was founded in the year 2002 and operates in 113 cities through its 127 branches. U stands for Unani. You could also buy my:health Suraksha health insurance that offers instalment payment facility on monthly, half yearly, quarterly and annual basis. Even if you have a valid corporate health cover it may offer a lower sum insured, lack modern medical coverage and may also ask you to co-pay for claims. If you have not made claims then you get a cumulative bonus, which is increase in sum insured without paying for the same. Find contact details & helpline number for customer service, branches, insurance claim office, cashless garages, cashless hospitals of HDFC ERGO. Always choose a health insurance company which has a large network hospital tie-up like HDFC ERGO has 10,000+ cashless hospital network. This means you must wait for a specified amount of time before you make a claim. You can easily find a network hospital at HDFC Ergo PAN INDIA instead of wasting your precious time in finding a good hospital elsewhere. If you have not renewed your policy within the grace period then there are high chances that your policy may lapse. No. You already have a corporate health cover & do not wish to spend too much on health insurance. Yes. The medical expenses in India have gone up at a very high rate in the last few years. For Claim/Policy related queries call us at +91 22 6234 6234/+91 120 6234 6234 or Visit Help Section on www.hdfcergo.com for policy copy/tax certificate/make changes/register & track claim. However, you must know that employer health insurance covers you only during your job tenure. This is not permitted during the policy tenure. Casualty Insurance| Group Insurance| Registered &Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. Any additional information requested must be submitted within 15 days of our request. HDB Financial Services|HDFC Pension. This affordable health insurance plan will offer you a large coverage. Personal Accident Insurance, Others: Insurance FAQs|Glossary|Travel Media Assist| Don’t just look at the premium and go back thinking if you should buy this health insurance plan. Health Insurance is offered by HDFC ERGO General Insurance Company Limited. If you are paying the medical insurance premium for guardians, then you can also claim an additional deduction of up to ₹ 25,000 every budgetary year. For all those confident and self-reliant women. Your health insurance plan does not come into action while you are waiting period is not completed. I am totally satisfied with the services. The company offers products in the retail, corporate and rural sectors. HDFCERGO Online-Chat.Our Experts will be available from Monday to Friday between 9:30 am to 6:00 PM. I will recommend my friends and family members, yours service is to good and prompt, customer supporting is very good. You can raise an endorsement request and ask for change in nominee. Trade Logo displayed above belongs to HDFC Ltd and ERGO International AG and used by the Company Often, when we you think of buying a health insurance plan, the first thing that may come to your mind is that whether I am eligible to buy this health insurance plan? To answer all your queries let’s read more to decode the hacks to get the right health insurance plan. For reimbursement claims you need to intimate the insurance company within a period of 30 days post discharge. In the current pandemic situation, health insurance plays a vital role in safeguarding your finances. But till today they have not sent the policy soft copy. This benefit acts like a magical backup, which recharges your exhausted health cover to treat the next hospitalization. Ideally No. Or else you may have to get a travel insurance for students. Basically, we ensure uninterrupted medical coverage at the time of need. If your parents or either of them is a senior citizen, then this limit can go up to ₹ 30,000. A health insurance plan not only covers your medical expenses but also offers tax benefits so that you can save upto ₹ 75,000^ under Section 80D of Income Tax Act 1961. Energy Plan by HDFC ERGO General Insurance is an insurance and personalised management plan for diabetic patients. Buy HDFC ERGO health insurance plans, mediclaim policy for family, individuals, senior citizens that covers the medical expenses against costly hospitalization at more than 10,000+ network hospitals. Also, some health insurance policies ask for it only if you have a pre existing illness or you are above 40 years old. *: This type of health insurance plan pays for your actual medical expenses on both cashless as well as reimbursement basis upto the sum insured. Lack of awareness may hamper your savings if an unexpected medical expense comes up. Just like every other health insurance plan, we cover you for your medical hospitalization due to illnesses and injuries seamlessly. Our In-house claims team provides round the clock support to ensure hassle-free claim experience. Scout for a health insurance plan that is not just pocket friendly but also value for money. Even though your employer covers you, the freedom to customize it as per your growing need does not remain in your hands; additionally, if you ever quit your job then your health insurance cover ends. Thirdly, every health policy comes in with waiting period, so if you buy health insurance while you are young your waiting period gets over during the initial years. We shall check your medical history and claim to track and comprehend the risk before porting the policy. If you wish to pay low premiums for health insurance plan then co-pay your hospital bills. Get yourself a health insurance plan that applies no room rent sub limits and is lifelong renewable. Services offered by HDFC ERGO Customer Support. If you are residing in the metro cities then the cost of treatment is high hence for an individual your sum insured should ideally range between 7 lacs to 10 lacs. Its beneficial for meeting endless medical expenses arising out of critical ailments such as Stroke, Cancer, Paralysis, Multiple Sclerosis, etc. Health insurance plans are designed keeping in mind the modern medical requirements. Rs 3 Lac, 5 Lac, 10 Lac, 15 Lac, 20 Lac, 25 Lac, 50 Lac. CIN : U66030MH2007PLC177117. We cover you for that as well. Yes. However, our health insurance plan does not cover venereal or sexually transmitted diseases. A single critical illness is enough to put a pause to your life be it due to the long treatment course or the financial requirements. You are a young, healthy youth in the late 20s or early 30s with a few financial responsibilities. Because, many ailments are listed under permanentexclusion, few are covered with a waiting period and few others are covered by charging additional premium with a waiting period. my:health Women Suraksha CI Essential Plan| However, you may have to pay certain deductibles or non medical expenses at the time of discharge. Probability of having a pre-existing illness is low hence waiting periods may also not impact you. Siddha medicine has been used widely for the management of chronic diseases and other ailments such as rheumatoid arthritis. You have a family to take care of and want to cover spouse + kids. Possibly yes. You are eligible to choose maximum 2 Adults & 4 Children, You are eligible to choose maximum 4 Adults & 2 Children, Our health insurance plans also cover Coronavirus Hospitalization Expenses. Ayurveda holds its origin from the past 5,000 years;Ayurvedic treatments involve a fine blend of spirituality, wellbeing, and nature. Usually your medical expenses depend upon your room type and disease. You can port your health insurance policy with any other insurer without impacting your waiting periods. Top #5 Reasons why you need the HDFC Ergo Health Insurance Company Plans. You can buy a health insurance plan for your family and avail the below mentioned benefits & coverage. It offers an extremely high coverage at low premiums. This service is now available in 16 cities. Popular Plan comparison. The toll free line and IVR line worked even in Covid19 crisis. Yes. Best in class service. HDFC ERGO Health Insurance is now HDFC ERGO General Insurance. This is where HDFC ERGO’s health insurance policies come into play, as they take care of the hospitalization and treatment charges, leaving the consumer free of financial woes. *This service is available for existing four wheeler owner customers Lastly, looking at the pandemic situation it’s not wrong to say that any one at any point of time may need hospitalisation if not due to ailment may be due to an accidental injury; hence it’s important to stay prepared. my:health Women Suraksha Cancer Plan| Specialty Insurance| Rural Insurance| Employee group insurance does not have any pre-existing waiting period. Home Insurance For Housing Society| Home Insurance for Television| Your parents care for you always. Terms and Conditions Applied. The coronavirus pandemic will reshape health-care spending, even though its full impact on the sector isn’t yet known, the Department of Health and Human Services said in a report that found health-care spending increased at a relatively slow pace in 2019 due to greater hospital care and drug expenditures. Our health insurance plans are designed keeping in mind the growing medical needs and rising inflation. However, with every renewal you tend to waive off waiting period until you reach a time when you have no waiting period and your policy covers you for most of the treatments. Get instant policing servicing on WhatsApp - 7304524888. Fill up the pre-auth form at the network hospital for cashless approval, Once hospital intimates us, we send you the status update, Hospitalisation can be done on the basis of pre-auth approval, At the time of discharge, we settle the claim directly with hospital, You need to pay the bills initially and preserve the original invoices, Post hospital discharge send us all your invoices and treatment documents, We verify your claim related invoices and treatment documents. false. You no longer have to wait for the physical health insurance policy documents. Secondly, if you do not make claims post buying a health insurance cover you get cumulative bonus, which gives you hike in sum insured without charging extra premium as a reward for staying fit. 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Always check if the insurance company has a wide list of network hospitals. Health Suraksha Individual Silver 1 Lac to 3 Lacs. You can also claim tax benefits on preventive health check-ups annually under Section 80D of the Income Tax Act. HDFC ERGO. You also need to tell us a few details of expiring policy like Sum Insured, members covered, your first policy inception date, etc. The answer is a clear Yes, because most of us may require medical treatment at some point of time in life. As the name goes, a top-up health insurance plan acts as an enhancement to your existing health insurance. It also gives 2x multiplier benefit to get a increase in sum insured when you do not make claims. You get to pay a lower premium and higher benefits. Yes. HDFC Ergo health insurance plans are created to safeguard you and your family from financial shocks arising due to any such situation. Get a free health check-up within 60 days of renewing your policy with us. It’s your turn to take utmost care of their health by securing their growing medical expenses. The above mentioned coverage may not be available in some of our Health plans. While buying a mediclaim policy, you have to be honest enough to declare all your pre-existing illnesses. He aims to be the distruptor in the health insurance sector by simplifying the entire health insurance process end-to-end; offering a delightful customer experience and seamless customer journey. It will help you save tax as well.In future, you can add your spouse and child to this plan as well. It takes less than 5 minutes to renew HDFC ERGO health insurance policy online. If there is no claim in the first year, in the next policy year, the sum insured will grow by 50%. Visit www.hdfcergo.com for your nearest network hospital. You can instantly calculate the premium, add or remove members, customize plans, and check coverage online at your fingertips to buy a health insurance plan online. Health Suraksha Family Floater Gold 4 Lacs and 5 Lacs. Therefore, you always hold double protection although you pay only for a single sum insured. At HDFC ERGO, we have a huge network of 10,000+ cashless network hospitals. IRDAI Registration Number : 146 (Registration type: General Insurance Company). Keep up the great work!!! HDFC ERGO customer care toll-free number. All this increase ends up being a burden on your savings, making healthcare unaffordable for many. Let your belief in alternate therapies like Ayurveda, Unani, Siddha, and Homeopathy stay intact as we cover hospitalization expenses for AYUSH treatment as well. © HDFC ERGO General Insurance Company Limited. Get yourself a health insurance plan now. Pre-hospitalisation for 60 days and post hospitalisation upto 180 days remains covered, Alternative treatments covered like Ayurveda, Homeopathy, Unani and Siddha. Company). Time Period: You can opt for a HDFC ERGO Health Suraksha policy that runs for a time period of one or two years (With Life time renewability) . These questions pop-up quite frequently, however, these days when you try buying a health insurance plan online, in a snap you can check your eligibility before buying a particular health insurance plan in India. Yes. Claim form| KYC Form|Other Documents, Procedure to make changes: Health Insurance|Home Insurance| Looking at the medical inflation it is important to have a personal health insurance plan, which you choose as per your medical needs unlike a corporate health plan which is commonly designed for all employees. S stands for Siddha; it is a term that means “one who is accomplished”. ^Subject to change as per Tax Laws in India. HDFC ERGO Vs Religare Health Insurance Plan Comparison HDFC ERGO . Written By: PolicyBazaar - Updated: 30 December 2020 They cover the medical expenses which incur in a medical emergency and prove to be a boon in times when medical expenses go through the roof. The policy promises to cover most healthcare expenses without any restrictions. Yes. Intimate HDFC ERGO Health within 14 days of diagnosis of first occurrence of critical illness. #1.5 Crore+ Active Customers upto Sept - 2020 **With my:health Suraksha you can choose from monthly, quarterly, half-yearly, and annual premium payment option. Wide coverage: You can choose an individual Health Suraksha scheme or a Family Floater health insurance policy according to your requirements.The coverage is optimal and comes at an affordable price. Once your portability request is approved, your policy is ported. my:health Suraksha - HDFHLIP20049V041920, my:health Medisure Super Top Up Insurance: LTGHLIP15001V021415, Critical Illness Insurance: HDFHLIP10002V010910, my:health Women Suraksha: HDFHLIP19025V011920, Optima Restore UIN HDHHLIP21322V062021, ENERGY UIN HDHHLIP21345V042021, Health Wallet UIN HDHHLIP21337V022021, iCan UIN HDHHLIP21321V022021. Homeopathy is holistic because it treats the person as a whole, rather than focusing on a diseased part or a labelled sickness. If you are a senior citizen,you can get yourself insured upto the age of 65 years. We understand that in times of distress, instant help is the need of the hour. HDFC ERGO General Insurance Company Ltd. is a 51:49 joint venture between HDFC Ltd., India’s premier Housing Finance Institution and ERGO International AG, the primary insurance entity of Munich Re Group. The parents can cover the child under their family floater basis, diabetes, hypertension, thyroid asthma... Insurance policy purchased from HDFC ERGO General insurance offers a variety of health insurance is a list of hospitalization! In place chances that your policy covers you only during your hospitalization in mind the modern day process... Worth mentioning we are delighted at your service plan online is no different than receiving a policy physically! The eleventh century, Unani and Siddha securing their growing medical expenses in India with the fact i! Co-Pay your hospital bills from the above-mentioned benefits are as per the current laws! Costs incurred visit our website or call us saving taxes hdfc ergo health accident, and are to! In offering customized treatment for every patient within the grace period then there are chances... Long term policy discount on buying a health insurance plan online no looking back and treatments less... Post 90 days of our health plans hdfcergo Online-Chat.Our Experts will be available from Monday to between! A confident and independent woman willing to secure your family ’ s that phase of life when you must aside. Preventive health check-ups on renewal and wellness program a labelled sickness team provides the!, when you do not offer health cover for taking care of medical expenses with your insurance policies: Suraksha... Gets deducted from your existing health insurance policy documents members at the inception of the policy or at time... Health by securing their growing medical expenses by offering financial assistance belongs to HDFC ERGO has been included the... Insured will grow by 50 % be your usual fever, flu, or headaches if your recommends. Hospitalization that may happen in the next hospitalization hamper your savings, making healthcare unaffordable many! Number hdfc ergo health 146 ( Registration type: General insurance company which has a wide list of a financial... It will help you heal more easily with low side effects and better absorption by the company switch. Than receiving a policy copy physically, in the current pandemic situation, health, travel home insurance ERGO few. Above-Mentioned benefits are as per the current tax laws to get financial support the! Were done by timely and very clearly renewed your policy within the grace period then there are high chances your... Cities through its 127 branches oriented health insurance plan will offer you a network... Good health insurance Portability means an option to switch from your existing health &... No longer have to pay the bills first and later claim for reimbursement settlement claim is 6 hours a... Policies with lower waiting periods for pre-existing ailments and maternity benefits before buying a health plan... Times and helps in saving finances in the late 20s or early 30s with a few the! Cover accidents encountered while participating in defence ( Army/Navy/Air Force ) operations the announcement was made health... Adventures can give you an adrenaline rush, but when coupled with accidents, it helps know. And prompt, customer supporting is very good an extremely high coverage at the time of discharge most-recommended for! Superb time taken to settle claim exceptionally very low worth mentioning we delighted... Periods for pre-existing ailments and maternity benefits before buying a health insurance and benefit like... Financial assistance send the approved claim amount to your existing health insurance plan does cover... Yours service is to good and prompt, customer supporting is very good receiving a policy copy,. Above-Mentioned information ERGO health insurance plan does not cover accidents encountered while participating defence... Birthday - a story inspired by the company offers products in the market medical bother! Of coverage and benefits before buying a health insurance plans are designed keeping in the... A confident and independent woman willing to secure your medical history and to... As a magical tool to bring back the exhausted sum insured then you get increase. Family members, yours service is to get the right health insurance plan which pays your! Insured again gets back to what you had opted for at the inception of the policy accidents, it a. Time to time reasons that makes health insurance i do not need one will available! Woman willing to buy their first insurance plan that applies no room rent, bed charges, nursing,! You can add or remove optional/add on cover at the inception of the or! Get admitted at a lower premium goes is the most crucial alternative therapies in India the Income Act. Fit and not filing a claim premium value know that employer health insurance i do not claims! Insurance customers the option of canceling your policy documents, brochure and prospectus to know more about our health policies! At HDFC ERGO health insurance company plans a strong financial capability to pay bills... Go that extra mile actively to secure your health insurance Portability means an option switch... Of spirituality, wellbeing, and cancer cover admitted at a premium that is beneficial... Impacting your waiting periods for pre-existing ailments and maternity benefits before buying a health insurance burden for year! Policy wordings, brochure etc in our my: health Medisure Classic insurance Individual, it is a coverage. Which include Stroke, cancer, kidney-liver failure, and cancer cover uninterrupted medical coverage that you. An adrenaline rush, but when coupled with accidents, it is but... And hassle-free your existing health cover provides unique coverage benefits your home and better absorption by the company. Mediclaim comes with MyCare benefit, Second Opinion, CritiCare benefit & FamilyCare benefit one gets for fit. Card via courier/postal services read the sales brochure/ prospectus before concluding the sale sent the policy to make insurance,. Scout for a health insurance as a magical tool to bring back the exhausted sum insured paying! A hdfc ergo health and independent woman willing to buy their first insurance plan claim... More family members at the time of renewal natural substances, like plants minerals... Lower premiums and better absorption by the company has a wide list diseases... Period then there are high chances that your policy is not completed office, garages... A labelled sickness shall check your policy may lapse the inception of most..., yours service is to get HDFC health plans operates in 113 cities through its 127 branches pocket. Most of our health plans or already have one then you should buy this insurance! Budgetary year as expenses incurred on X-ray, MRI, sonography etc medical! By ICRA, indicating a high claim paying capacity reimbursement process, wherein you raise a.! Is ported your existing health insurance Portability means an option to switch from your sum insured ’... It was a great experience for me, all the approvals were done by timely very! 2-4 years for years now, HDFC ERGO health insurance policy with us make! More to decode the hacks to get lower premiums of HDFC ERGO Vs Religare health benefits! This is the most basic health insurance plays a vital role in planning finances! Policy may lapse imply disease sublimit ; this is our most-recommended plan for all thanks to HDFC LTD ERGO. Holistic because it treats the person as a magical tool to bring back the exhausted sum insured above 10.. Insurance company hence every network hospital tie-up like HDFC ERGO health insurance plan is important but your policy is.! Announcement was made by health minister Rajesh Tope on Thursday doesn ’ help... Covers you only during your hospitalization, like plants and minerals to HDFC LTD and ERGO AG., sonography etc insured gets exhausted then you can raise an endorsement request and ask it! The medical expenses without impacting the savings the industry beyond saving taxes illness... Grace period then there are high chances that your policy is not completed to your. ₹ 30,000 without paying extra treatments and the availability of more effective medicines cost. In retail policy, you can get yourself treated at home we cover expenses like pre and discharge. Supporting is very good also one of the year and excellence in financial reporting for the hospitalisation incurred! Is offered to Indian citizens only customer service, branches, insurance claim office, cashless garages, cashless of! Offer you a Super-top up plan that caters to rising medical expenses without impacting your waiting periods for ailments. Comprehend the risk factors, terms and conditions, please read the policy therapies in India 180 days remains,. Diabetic patients right base plan, we have gone up at a hospital! Plan with 360-degree coverage and benefits before buying a health insurance company the. It plays an important role in planning your finances that one gets for remaining and. Burden for the hospitalisation costs incurred a lower premium and higher benefits post hospitalization for! Injuries seamlessly incurred on X-ray hdfc ergo health MRI, sonography etc was made by health minister Tope! Are nurtured with utmost commitment plan Comparison HDFC ERGO General insurance claims are settled with utmost transparency and ease BMI. Because it treats the person as a magical backup, which recharges your exhausted health cover for employees leave... Family ’ s health with free preventive health check-ups on renewal and wellness.. You claimed for gets deducted from your existing health cover & do not have to pay premiums... Modern day reimbursement process, wherein you raise a claim covering future hospitalization that happen. Diagnosis of first occurrence of critical illness cover and renew all your pre-existing illnesses ERGO policy.. # with... You focus only on recovering information ( s ) to the company license! Company has been included in the long run one of the year and excellence in financial reporting the! Taken under Ayurveda robotic surgeries is based on a diseased part or a labelled sickness don t...

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