Find the state-wise list of network hospitals for HDFC ERGO GENERAL INSURANCE.
HDFC ERGO General Insurance Company Limited is a joint venture between HDFC Ltd., holding 51% stake, and ERGO International AG holding 49% stake. The company was founded in 2002 and is headquartered in Mumbai. It has spread all over the country with 117 branches and more than 2000 employees in over 100 cities. It provides several insurance products and services. In the retail sector, some of its insurance offerings include travel insurance, motor insurance, health insurance, personal accident insurance, and home insurance. It is rated iAAA by ICRA which is an indication of the highest paying ability of the company.
In the health insurance category, HDFC ERGO provides individual health insurance, family health insurance, parents health insurance, senior citizen health insurance, my:health Medisure Super Top Up, critical illness policy, health insurance renewal, and Health Suraksha Top Up Renewal.
HDFC ERGO provides cashless Mediclaim policy for families and individuals.
There are two ways medical bills can be paid if you have health insurance. The conventional way is through the process of reimbursement, where the bills are first paid in full and then reimbursements claimed from the insurance company by submitting all the necessary bills and documentation. With rising medical expenses, it has become increasingly difficult for people to pay their hospital bills upfront. This is where cashless health insurance comes in. In this system, the insured can undergo treatments, hospitalisation, surgeries, etc., without paying anything upfront from his/her pocket. Cashless health insurance can only be claimed in hospitals which are part of the network of the insurance company.
HDFC ERGO provides cashless health insurance plans for individuals, families, parents, and senior citizens.
There are two types of scenarios that are covered under cashless insurance. These are emergency hospitalisation and planned hospitalisation.
Emergency hospitalisation is when the insured has to be hospitalised immediately without any intimation for any emergency medical or surgical situations. Planned hospitalisation is when there is a prior intimation of at least 2-3 days before the hospitalisation.
The process for hospitalisation for emergencies is the same as for planned hospitalisation. The only difference is that the steps given above should be done within 24 hours of hospitalisation.
Under cashless hospitalisation, hospital bills up to the sum assured that is opted for are paid. However, there are certain exclusions to this which include service charges, visitor fees, toiletries, document charges, and expenses for diapers, nebulizers, and oxygen masks.
There are many benefits of cashless hospitalisation but the major ones are as follows:
There are certain situations in which the application for cashless claim authorisation is denied. These could be the following:
TPA is Third Party Administrator. This is the mediator between the insurer and the insured. All the bills are settled with the hospital directly by the TPA.
A list of network-linked hospitals can be obtained from the company. It is better to consult the list and choose the hospital beforehand.
The list of network hospitals is available on the website of HDFC ERGO.
There is a calculator for premiums available online at the HDFC ERGO website. This is an easy-to-use online tool that gives you information about how much premium you need to pay after you fill up a few simple details such as your name, address, plan type, etc.
It is important to keep the list of cashless health insurance network hospitals in your vicinity handy so that in the case of an emergency or even a planned hospitalisation, you can make the right choice without wasting any time. This can be searched for online on the HDFC ERGO website with the keywords such as the name of your city, state, and pincode.
HDFC ERGO’s health insurance network hospitals that offer cashless health insurance remove the stress of the financial burdens caused by medical emergencies or planned treatments/surgeries by offering plans at affordable premiums and hassle-free processes.