HDFC ERGO Health Insurance Company is a joint venture between HDFC Ltd. and ERGO International AG. ERGO International AG holds 48.231% stakes while HDFC holds a 51.769% stakes, making HDFC Ltd the major shareholder in the venture. HDFC ERGO Health Insurance has only one focus and that is providing the customers best and hassle-free services. The company offers a wide range of insurance products starting from motor insurance, health insurance, home insurance, travel insurance, and personal accident insurance among others. HDFC Ergo Health Insurance has 126 branch offices across 106+ cities with 3600 employees. It is currently expanding its network across India. The insurer also has a large distribution network with channels like brokers, corporate agents, retail, direct sales, and bancassurance which provides broader connectivity.
On HDFC ERGO Official Website
Updated: 18-05-2024 03:09:40 PM
Renewability | Lifelong |
Cashless network hospitals | 10000+ |
Waiting period | 4 years |
Grievances solved | 100.00% |
Nowadays, good health is like a boon. With the increase in pollution, change in our lifestyle, reliability on the processed and packed food, we do not even have time to look at our habits which are directly challenging our health. After any health-related issue, we blame ourselves or different acts of carelessness by others.
We try to change everything just after one incident. But, Rome was not built in a day. Same as this idiom, your healthcare awareness that arises just in one day cannot help you in taking your good health for the long term. There is whole planning that is required for you to achieve the goal of healthy and planned medical care.
You may start drinking gallons of water daily, start eating healthy and fresh, hit the gym. But, there are various diseases which come unannounced and are unavoidable. Such disease requires the latest technology and trained specialist for treatment. It might create a big hole in the pocket of an individual.
The economic expense that arises due to medical care is so high that at times, people even take a loan for the medical treatment. Then what to do? Health insurance is the best option to choose for economic safety, peaceful assistance, and guidance for best medical treatment. Health insurance not only gives peace to you but also to your family or loved ones, who have to take care of everything when you are ill. HDFC ERGO Health Insurance policy is the best answer to ensure security cover.
HDFC Ergo has a trusted brand reputation which is trusted by millions of Indians. They have a customer base of over 75 lakhs and the brand has iAAA’ rating by ICRA indicating its highest claim paying ability capability.
HDFC my: Health Suraksha Insurance is a newly launched healthcare plan. The plan aims to offer wider cover without any restrictions. It is an effective healthcare plan which takes care of all your medical needs at an affordable premium.
Variants of Plan
Features of the HDFC my: health Suraksha Insurance
Eligibility | 3 months to 55 years |
Room rent | No Sub Limits |
Day care procedures | 586+ |
Waiting period | 30 days to 36 months |
Renewability | lifelong |
Sum assured | 3 lacs + |
Exclusions of the HDFC Health Suraksha Insurance
In case of hospitalization, intimation should be provided to the Company immediately and not later than 7 days In all other cases, the company must be informed of any event or occurrence that may give rise to a claim under this Policy at least 7 days prior to any consequent treatment, consultation or procedure being taken and the Company should pre-authorise such treatment, consultation or procedure. Any documentation and information requested to establish the circumstances of the claim, its quantum or the Company’s liability for the claim, should be submitted within 15 days of our request or discharge from Hospital or completion of treatment, whichever is earlier.
Cashless Service: Seeking Pre-Authorization
Reimbursement Claim: Claim Submission
Claim settlement process of HDFC ERGO Health Insurance Policies is quite simple and it requires some general documents like
Whatever you choose for yourself and your loved ones, trust is the basic key to it. Trust is the strongest factor that redefines the relations of customer and insurer at HDFC ERGO. HDFC ERGO Health Insurance consistently strives to make insurance easier, and affordable for the customer. HDFC ERGO Health Insurance plans offer comprehensive coverage at affordable premium prices to the policyholder and they have more than 10000 network hospitals all over India. These hospitals offer significant features like cashless hospitalization, a great number of health claim benefits and flexible payment modes. These health insurance plans are highly recommended and preferable by the young generation because of changing lifestyle and increasing disease. Without a good health insurance policy, expensive medical treatment charges may burn a hole in the pocket of the common man.
HDFC ERGO Health Insurance assists during the hour of need. Instant assistance is offered to the customer. HDFC ERGO Health Insurance provides 24×7 customer care to the policyholder and they have a dedicated claims approval team, which ensures constant support in times of need. No doubt, claims refers to the most important stage of any health insurance policy. HDFC always tries to offer a seamless process.
Any expenses incurred for inpatient treatment taken under Ayurvedic, Unnani, Siddha or Homeopathy stream of medicine is covered under AYUSH benefits in HDFC ERGO Health Suraksha.
A health card is like a mini-policy document that helps you avail cashless treatment in the network hospitals. It also contains the contact details of the in-house claim service team and comes really handy in case of a medical emergency
It is very important to have a health insurance policy nowadays. HDFC ERGO health insurance plans provide comprehensive coverage to the insured and the family. The HDFC ERGO Health Insurance policy offers affordable health insurance plans with the cashless benefit at over 5000 hospitals all over India. Additional features are flexible payment options, pre and post hesitation, day care cover, enhanced NCB (No Claim Bonus), and so forth.
It is very simple to pay HDFC ERGO Health Insurance policy premium. Premium payments are accepted in the following three modes:
There is no maximum age limit for HDFC ERGO Health Insurance policy entry. While the minimum age to apply for the HDFC ERGO Health Insurance policy is 91 days.
HDFC ERGO offers a variety of health insurance plans which are designed specifically for individuals, families, and senior citizens. They also offer top-up insurance plans and critical illness insurance plans. There are 3 categories of plans which include Health Suraksha, my: health Medisure, and Critical Illness.
For your HDFC ERGO Health Insurance policy Insurance premium can be made via online payment mode or cash payment mode.
Cash payment can be made at the nearest HDFC ERGO branch office. Online payment can be made through the insurer’s website using net banking, debit card or credit card.