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 has been expanding its presence across the country and is today present across 87 cities with 104 branches with an employee base of more than 1700 plus professionals. The company has a wide distribution network comprising of brokers, retail and corporate agents, bancassurance besides its own direct sales force. HDFC ERGO has been assigned the rating of ‘iAAA’ by ICRA indicating its highest claim paying ability. The company also has ISO certification for its claim services, policy issuance & customer servicing.


HDFC ERGO Health insurance at a Glance

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Coverage for your most loved ones

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You get a choice of coverage tenure

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The next best thing to having a doc in the family

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Critical Factors of the Plan

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Need not spend money from your pocket!

Co-Pay

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No worries, plan has covered your future medicals

Life long renewable

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Important factor on covering your existing disease

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Rent determine the room type when you are ill

Room rent

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Additional Features of HDFC ERGO Health Insurance

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Good health offers multiple rewards

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The world is your healthcare oyster

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So you have time to focus on more important stuff

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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

Shared room, private room or private room with high-end facilities etc determines your premium

Existing illnesses could affect your premium

Pre-existing medical condition

Existing illnesses could push up your premium


Key factors for buying a Health Insurance

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As the saying goes: Patience is virtue!

Waiting Period

The insurer is not liable to pay any claims for the initial 30-90 days.

Lifelong coverage for when the going gets tougher!

Lifelong Coverage

Ensure that your coverage is lifelong and not for a few years.

Sort of like going Dutch but better

Copay

You pay a fixed percentage of the hospital bill and the balance is paid by the insurer.

Tough luck for hypochondriacs!

Exclusions/Diseases Covered

An insurer can reject your cashless claims if the disease for which hospitalization is required isn’t covered by the policy


Smart buying tips for your health insurance

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Life is all about important choices!

Assess Your needs

Choose family members to be covered as well as your hospitalization room preference.

Always expect the unexpected!

Extra-Coverage for Critical Illness

A smart health insurance policy covers medical expenses for critical illnesses like cancer, stroke etc.

Being thrifty will take you far!

Know Your Budget

Pick your options under the insurance policy as per your budget to avoid a huge premium.

It pays to be hawk-eyed!

Read the Fine-Print

Read the “Terms & Conditions”. Ask for sample policy wordings. With in-depth knowledge, you’ll be 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
100 % of our customers would recommend this bank. (12 out of 12) Write Review
Customer Reviews
Page 1 of 1 1
  • 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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    took a Health Insurance from HDFC ERGO GENERAL INSURANCE on BankBazaar.com Reviewed on
  • 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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    took a Health Insurance from HDFC ERGO GENERAL INSURANCE on BankBazaar.com Reviewed on
  • 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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    took a Health Insurance from HDFC ERGO GENERAL INSURANCE on BankBazaar.com Reviewed on
  • 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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    took a Health Insurance from HDFC ERGO GENERAL INSURANCE on BankBazaar.com Reviewed on
  • 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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    took a Health Insurance from HDFC ERGO GENERAL INSURANCE on BankBazaar.com Reviewed on
  • 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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    took a Health Insurance from HDFC ERGO GENERAL INSURANCE on BankBazaar.com Reviewed on
  • 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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    took a Health Insurance from HDFC ERGO GENERAL INSURANCE on BankBazaar.com Reviewed on
  • 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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    took a Health Insurance from HDFC ERGO GENERAL INSURANCE on BankBazaar.com Reviewed on
  • 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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    took a Health Insurance from HDFC ERGO GENERAL INSURANCE on BankBazaar.com Reviewed on
  • 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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    took a Health Insurance from HDFC ERGO GENERAL INSURANCE on BankBazaar.com Reviewed on
  • 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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    took a Health Insurance from HDFC ERGO GENERAL INSURANCE on BankBazaar.com Reviewed on
Customer Reviews
Page 1 of 1 1
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