Policyholders can make the premium payments for their HDFC ERGO Health insurance policy through the online mode which is a seamless, convenient, and quick method. To pay the premium amount online, customers have to visit the official website of HDFC ERGO Insurance, enter the policy number on the ‘Instant Renewal’ tab under the ‘Health Insurance’ section. The detailed steps on how to make the premium payment for your HDFC ERGO Health Insurance Plan have been explained in one of the below sections.
About HDFC ERGO Health Insurance:
A joint venture between HDFC Limited and ERGO International AG, a German-based company which is a part of the Munich Re Group, HDFC ERGO General Insurance Company Limited is a general insurance company that has been operating in India since 2002. The company now operates in over 106 different cities in India through its 122 branches. HDFC ERGO General Insurance Company Limited is involved in the business of reinsurance claims management, general insurance, and investment management services. The company deals with health insurance, travel insurance, motor insurance, home insurance, personal accident insurance, rural insurance, and commercial insurance.
Health Insurance Products offered by HDFC ERGO:
HDFC ERGO General Insurance Company Limited offers a plethora of health insurance policies that cater to the individual needs and requirements of a policyholder and his/her family. With these insurance policies, a policyholder can rest easy knowing that in case the policyholder or any member of his/her family has to be admitted into a hospital for treatment, the medical expenses are taken care of by the insurer. This, apart from other benefits, are readily available for a policyholder to purchase at either a branch of HDFC ERGO General Insurance Company Limited or by visiting the official website of the company or by visiting a banking portal like BankBazaar.com.
The health insurance products offered by HDFC ERGO General Insurance Company Limited are listed below:
- Health Suraksha Gold Insurance Plan (individual and family)
- Health Suraksha Insurance (for parents)
- my:health Medisure Classic Insurance (senior citizens)
- Critical Illness Policy
- my:health Medisure Super Top Up
Health Suraksha Gold Insurance Plan (individual and family) - This plan is designed to meet the health needs of an individual as well as a family. Maximum coverage at reasonable prices is the philosophy behind this health insurance policy. The policy ensures complete protection of an individual/family in the event of hospitalisation. Some of the benefits offered by the policy are – no limit on hospital expenses (such as medicine costs, doctor’s fees, room rent, etc.), is renewable lifelong, no restriction on the entry age, maternity benefits, newborn cover, tax benefits, and free health checkup on 4 claim-free years. When bought for a family, the health insurance can be opted for:
- Family without kids - 2 adults (self + spouse)
- Family with 1 kid – 2 adults and 1 child (self + spouse + 1 kid)
- Family with 2 kids – 2 adults and 2 children (self + spouse + 2 kids)
Health Suraksha Insurance – This plan is specially designed for parents to safeguard their health by offering coverage for their medical expenses. The plan can be availed on an individual or a family floater basis. Tax benefits of up to Rs.60,000 can be claimed under section 80D of the Income Tax Act on buying this health insurance policy.
my:health Medisure Classic Insurance – This health insurance plan offers a protective cover to senior citizens and can also be opted as an add-on to your employee health insurance. The premium amount for this health insurance is low and it offers coverage for unlimited day care procedures. This health insurance plan also has a low waiting period (3 years) for pre-existing conditions. The other benefits offered by the plan are – hospital allowance, recovery benefit, flexibility to choose the policy tenure either for 1 or 2 years, etc.
Critical Illness Policy - This unique health insurance plan is designed to cover the expenses incurred as a result of any critical illness such as cancer, kidney failure, heart attack, paralysis, etc. Under this plan, a lump-sum amount is offered to the policyholder which can be used for any ancillary expenses that may arise during the treatment of a critical illness. Some of the expenses that can be covered by the lump-sum amount provided are – paying off debts/loans, travel expenses to and from the hospital, recuperation aids, etc. The sum insured for the Critical Illness Policy can range between Rs.2.5 lakh to Rs.10 lakh.
my:health Medisure Super Top Up - This health insurance policy enhances the existing plan of the policyholder by offering a higher sum insured amount and an expanded cover to meet his/her medical expenses. It comes in handy at a time when the existing health insurance policy of the policyholder gets exhausted. In plain words, it adds an extra layer of cover on an existing health insurance policy and also comes with added benefits. The premium amount for the my:health Medisure Super Top Up plan is affordable and can serve as a cushion in times of multiple medical mishaps.
How to Make Premium Payments Online:
HDFC ERGO has made it possible for a policyholder to make a premium payment online towards the renewal of their health insurance policy without having to visit its branch office. To make premium payments online, the policyholder needs to follow the below-given steps:
- Visit the official page of HDFC ERGO at www.hdfcergo.com.
- On the right-hand side of the page, there will be an ‘Instant Renewal’ button which the user needs to click.
- Once the user clicks on this button, a box will appear where he/she needs to enter the policy number.
- The page will then ask for details which the user needs to fill after which the premium amount for renewal will be generated.
- The user will then be shown an option to make the payment.
- The renewal process will be complete after the user makes the payment successfully.
Read terms, conditions and exclusions mentioned in the policy document.
Find cashless network hospitals nearby: HDFC ERGO Cashless Network Hospitals
Also Read: Best Health Insurance Plans
Also Read: How to File a Claim with HDFC ERGO?
Other Health Insurance Plans from HDFC ERGO Health Insurance:
- HDFC ERGO Health Suraksha Silver
- HDFC ERGO Health Suraksha Gold
- HDFC ERGO Health Suraksha Silver Regain and ECB
- HDFC ERGO Critical Illness
- HDFC ERGO Critical Illness Platinum
GST rate of 18% applicable for all financial services effective July 1, 2017.
Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.