HDFC ERGO Health Insurance

HDFC ERGO Health Insurance

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.


HDFC ERGO Health Insurance at a Glance

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Coverage for your most loved ones

Total members covered

Coverage for a maximum of 4 family members with up to 2 adults and 2 children

You get a choice of coverage tenure

Pre and Post Hospitalization cover

Medical expenses covered for 60 days before your hospitalization and 90 days for post hospitalization for related medical expenses

The next best thing to having a doc in the family

Health Check-ups

Health Check-up expenses reimbursed on completion of 4 claimless years


Critical Factors of the Plan

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Not a paisa goes from your own pocket!

Co-Pay

No Co-pay

You’re covered for any future medical expenses

Life long renewable

Plans are lifelong renewable and covers you for your entire lifetime.

Get essential cover for existing ailments

Pre-existing Diseases

Any pre-existing condition will be covered after a waiting period of 4 year

Hospital room rent determines your treatment bill

Room Rent

No Sub-limits on hospital room rents


Additional Features of HDFC ERGO Health Insurance

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Good health offers multiple rewards

5% bonus on Sum Insured for every claim-free year

The world is your healthcare oyster

A network of more than 4800+ hospitals to choose from to avail cashless services


Your Premium for Health Insurance is determined by

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The ideal age to buy insurance is when you’re in the prime of youth!

Your current age

Lower premium for younger buyers

The who's who matters here!

Members included

The premium depends on the number
of insured members

A room with a view will certainly cost you more!

Room preference

Your room preference during hospitalization matters (such as shared room, private room or private room with high-end facilities) Remember costlier room means higher treatment charges too!

Existing illnesses could affect your premium

Pre-existing medical condition

Your premium will depend on any pre-existing medical conditions


Key factors for buying a Health Insurance

As the saying goes: Patience is virtue!
Waiting Period

When you buy a health insurance plan, your policy isn’t implemented with immediate effect. There is a wait time of 30-90 days during which the insurance company is not liable to pay any claims while you sit around twiddling your thumbs.

Lifelong Coverage
Lifelong Coverage

The duration of coverage is the most important factor in buying a health insurance policy. Your health is most likely going to deteriorate only in your sunset years so ensure that your coverage is lifelong and not for a few years.

Copay
Copay

A fixed percentage of the hospital bill that will be paid by you while the balance will be paid by the insurance company. Ideally, opt for a “no co-pay” plan so you don’t have to shell out for every claim.

Exclusions/Diseases Covered
Exclusions/Diseases Covered

Go over the ailment/diseases covered list with a fine-tooth comb. Insurance companies can reject your cashless claims if the disease for which hospitalization is required isn’t covered by the policy. Pleading temporary insanity won’t help!


Smart buying tips for your Health Insurance

Life is all about important choices!
Assess Your needs

You can’t choose your relatives. Luckily, you can decide which family members to include in your health insurance policy. The second important thing is your room preference during hospitalization such as shared room, private room or private room with high-end facilities.

Extra-Coverage for Critical Illness
Extra-Coverage for Critical Illness

A smart health insurance policy is one that covers you for bolts out of the blue – medical expenses for critical illnesses like cancer, stroke etc.

Know Your Budget
Know Your Budget

Consider your budget in order to avoid a huge premium. Don’t pick all the options available under the insurance policy. This will eventually increase your premium amount. So tighten your purse strings sensibly.

Read the Fine-Print
Read the Fine-Print

The devil is in the details. Always read the “Terms & Conditions” of the policy i.e. features that are not covered under the policy. Make it a point to ask for sample policy wordings. With the in-depth knowledge about certain definitions, terms & conditions, exclusions and offered benefits, you’ll always be the smarty-pants who’s one step ahead.


Overview

HDFC ERGO provides a comprehensive health insurance plan fitting well in everyone’s budget. The Health Suraksha plan from HDFC ERGO provides cover for in-patient treatment costs, pre-hospitalization and post-hospitalization expenses, and such other major expenses. With Health Suraksha Plan, be rest assured of no sub-limits on the hospital room rents, hospital charges, diseases and doctor fees.

HDFC ERGO Health Insurance Reviews

HDFC ERGO   Health Insurance Reviews
94 % of our customers would recommend this bank. (16 out of 17) Write Review
Customer Reviews
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  • Validated User
    (0)

    I am not getting any kind of response from hdfc bank for my health insuarance. When at the time of sales they used to call and sell all the policies . However when I found how to use I am unaware of how to use. There was no proper guidance from them. May be they can improve on the same

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  • Validated User
    (0)

    From HDFC Ergo, I had taken Health insurance policy before 1 year. It provides the general health insurance benefits along with accidental benefits which is great. I would pay the premium through on line per month. There is a interest rate getting charged.

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  • Validated User
    (0)

    I am having my health insurance from HDFC ergo where I am paying 60000 for 12 months. Second year it was free . They do have other benefits where I was denied to have. Overall good services where one can secured themselves

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  • Validated User
    (0)

    The service was good when i took the HDFC Ergo medical Insurance. The service from the customer service executive was good and they explained me about the policy in a detail manner and the future benefits. I got the policy number with in one week the overall service is good.

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  • Validated User
    (0)

    I have been holding three different policies with HDFC ERGO. A life insurance coverage, an accidental policy and a medi-claim are the three policies. I pay a premium of rs3600 which covers accidental benefit also. I feel the returns are quite good after the maturity when compared to other insurance companies.

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  • Validated User
    (0)

    I am paying Rs. 1000 per year for my health insurance to HDFC ergo which was quite affordable. I have taken this policy for my wife. Its valid for only 1 year. Very quite normal customer service . No proper procedure has been informed by the customer care

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  • Validated User
    (0)

    Wonderful experience with HDFC Ergo. I had taken Health insurance policy for 13 lakhs where they had divided those into accidental, life insurance,hospitality charges. I make the payment for this insurance through credit card on monthly basis.

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  • Validated User
    (0)

    The Documentation when i applied for the HDFC ERGO medical insurance it was very simple the executives explained me in a clear manner that how does this policy works.I got the HDFC ERGO policy number with in fifteen days that was a good service.

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  • Validated User
    (1)

    I have been holding HDFC Ergo health insurance more than 2 years. I went online for purchase the policy and I decided to go with HDFC Ergo for their great benefits. I was also given a detailed explanation on the policy by the bank executive who contacted me over the phone. I already recommend the insurance to some of my friends.

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  • Validated User
    (0)

    I am having health insurance with HDFC ergo whereas I havent got experience with them. This time I dont have any suggestions for them to improve their services . No suggestions as they are already well and good in service and response also

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  • Validated User
    (0)

    It was good because i am hospitalized and i got the amount refund and the procedure is very simple, i just got a call from the from HDFC and they said they are offering me a HDFC Ergo plan and i found that this plan is good and i have purchased the plan.

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  • Validated User
    (0)

    I am holding a HDFC Ergo health insurance more than an year. I am paying a premium of rs8000 per annum and the policy provides coverage upto 10 lakhs. I didn't not use the insurance much and never claimed anything till now. One good thing is my whole family will covered by the policy starting from next year.

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  • Validated User
    (0)

    My health insurance HDFC ERGO is two years old. I am paying a premium of rs1000 every month. Initially I would through my credit card and I convert into an EMI. Till now I didn't claim anything from them. It is a medical coverage upto 2 lakhs for the whole family. First year they covered only the policy holder and fro this onwards my whole family is covered.

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  • Validated User
    (0)

    I don't wanted to take HDFC Ergo policy but they told me that the coverage is upto 3 lakh If I admitted in a hospital. I am paying a premium of around rs9000 through my credit card. I did not use the insurance so far and I am just carrying it for an year. One service I don't like with HDFC bank is that I am working with IT and I keep traveling a lot. If someone is depositing money into my account the bank people are refusing to accept the deposit and saying there is no third party transaction allowed.

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  • Validated User
    (0)

    When i applied for the HDFC Ergo insurance in that star health insurance and medical insurance both where clubbed together and they informed me that if both the insurance are clubbed there will be no benefit so i am holding only one insurance now which is HDFC Ergo medical insurance.

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  • Validated User
    (0)

    HDFC ERGO is a health policy and I started a policy in the year 2012. They are deduting around rs8400 per year from credit card and I need to pay rs700 additionally as an EMI everymonth. I am not sure about the benefits on the card. I just simply started the coverage when an executive contacted me through phone call on this insurance. Best part is the tax benefits. Only problem is the soft copy of the receipt & agreement are received yet.

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  • Validated User
    (0)

    I applied for the health insurance with the HDFC Ergo the processing and the documentation was very simple and it was transparent and the customer service executives are very friendly in approach and the whole process got completed in a week time.

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Customer Reviews
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