HDFC ERGO General Insurance Company Ltd. is a 74:26 joint venture between HDFC Ltd., India?s premier Housing Finance Institution and ERGO International AG, the primary insurance entity of Munich Re Group. HDFC ERGO offers complete range of general insurance products ranging from Motor, Health, Travel, Home and Personal Accident in the retail space and customized products like Property, Marine and Liability Insurance in the corporate space. HDFC ERGO is the 4th largest private sector general insurance company in India.
Total members covered
Coverage for a maximum of 4 family members with up to 2 adults and 2 children
Pre and Post Hospitalization cover
Medical expenses covered for 60 days before your hospitalization and 90 days for post hospitalization for related medical expenses
Health Check-up expenses reimbursed on completion of 4 claimless years
Life long renewable
Plans are lifelong renewable and covers you for your entire lifetime.
Any pre-existing condition will be covered after a waiting period of 4 year
No Sub-limits on hospital room rents
5% bonus on Sum Insured for every claim-free year
A network of more than 4800+ hospitals to choose from to avail cashless services
The HDFC ERGO General Insurance Company is the progeny of two immensely respected and influential insurance concerns. HDFC Ltd, is one of India’s premier housing finance institution (74% stake) while ERGO International AG (26% stake) is the insurance wing of the Munich Re Group. The company offers a complete suite of insurance products ranging from motor, health, travel, home and personal accident in the retail space, alongside such products for the corporate sphere such as property, marine and liability insurance. HDFC ERGO General Insurance prides itself at being the 4th biggest private sector general insurance company in India, with 1700+ employees working in 104 branches across 87 cities in India. The company is ISO certified and sports the ‘iAAA’ rating as awarded by the ICRA, which points to the company’s flawless record for a high rate of claim settlements. HDFC ERGO General Insurance is indeed, a front runner when it comes to insurance choices in India.
The company markets the following health insurance products- Health Suraksha, Health Suraksha Gold, Health Suraksha Regain, Health Suraksha Top Up, Critical Illness and Critical Illness Platinum.
In Summation- HDFC ERGO Health Insurance brings the best of many worlds to its patrons in India- simplicity, scalability, reliability and a robust customer support ecosystem. Why look elsewhere when all this is available at just the click of a button? Check out HDFC ERGO Health Insurance today!
‘Health Suraksha’ plan provides extensive health coverage at competitive prices. This plan is not only limited to hospitalization expenses but also includes pre and post hospitalization care, domiciliary treatment, ‘Ayush’ benefits, day care procedures, emergency ambulance facilities, and organ donor charges, among other benefits.
There are 4 different plans under Health Suraksha basic policy – 1 Adult; 2 Adults; 2 Adults and 1 Child; 2 Adults and 2 Children. The coverage ranges from ? 3 lakhs- 4 lakhs. Individuals within ages 3 months – 65 years can avail these plans. Other HDFC Ergo health insurance policies include Health Suraksha Gold, Health Suraksha Regain, Health Suraksha Gold Regain, Critical Illness, and Critical Illness Platinum.
Tax exemptions are available for all HDFC Ergo health insurance policyholders. Exemption benefits on payment of premium regularly throughout the policy tenure, may be availed up to a maximum of ? 15,000 of the overall premium paid according to Section 80D. Senior citizens receive more benefits at ? 20,000.
Pre hospitalization expenses are the health care expenses incurred during a specified period of time (60 days for this company) before the actual hospitalization of a policyholder. Similarly, post-hospitalization expenses are the expenses incurred during a specified number of days (90 days) after actual hospitalization is over.
Due to immense advancements in healthcare technologies, some surgeries/medical procedures can be completed within a day, eliminating the need for hospitalization.
These are the expenses incurred for medical treatments that a patient undergoes at home at the advice of a medical practitioner due to inability to move to a hospital.
Ayush refers to Ayurveda, Unani, Sidha, and Homeopathy, and policy holders can demand reimbursement for the treatments named above, when they are explicitly covered by the plan.
These are the expenses of donating an organ to an insured individual for organ transplant procedures.
Cumulative Bonus refers to the bonus awarded from the insurer after completion of a claim-free year, subject to a maximum cap. HDFC Ergo health insurance plans provide 5% cumulative bonus up to a maximum of 20%.
Pre-existing diseases refer to any condition, injury, or ailment suffered by the insured during the 48 months before buying the policy from HDFC Ergo health insurance.
Injuries are physical, accidental, external bodily harm that occur suddenly, and have no relation to ailments suffered in the past.
Health cards contain contact details of your insurer’s TPA. You can call on the numbers provided in case of emergencies, or for any kind of assistance from the insurance provider. This card is also required when getting hospitalized, so that the relevant hospital authorities may identify you and your association with the insurance firm, and initiate further processing.
TPA stands for Third Party Administrators. In case of HDFC Ergo Health Suraksha policy, FHPL (Family Health Plan) is the TPA for policies issued before 1st April 2012, and HCS for policies after that. HCS is HDFC’s in-house claims section.
Following are some of the network hospitals associated with HDFC Ergo health insurance-
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