About HDFC Ergo General Insurance

HDFC Ergo General Insurance Company Limited is a joint venture between HDFC Ltd., and Munich Re Group’s insurance wing, ERGO International AG. Together, they are one of the leading providers of health insurance in India. Their plans offer wide coverage for several critical illnesses, with family floater options and provisions for senior citizens.

The HDFC Ergo Health Insurance hospital list is long with over 10,000 network hospitals at which policyholders can avail cashless treatments. Through their wide reach, they manage to maintain an impressive 83.66% claim settlement ratio. HDFC Ergo Insurance winning the 2016 Best Customer Experience Award of the Year is a testament to their popularity as insurance providers and the financial security offered by every HDFC Ergo General Insurance policy!

The variety of HDFC Ergo Health Insurance plans include:

• HDFC Ergo my:health Suraksha Silver Smart Plan
• HDFC Ergo my:health Suraksha Gold Smart Plan
• HDFC Ergo my:health Suraksha Platinum Smart Plan
• HDFC Ergo my:health Medisure Super Top-Up Plan
• HDFC Ergo my:health Medisure Classic
• HDFC Ergo Critical Illness Plan
• HDFC Ergo Senior Citizens Health Insurance

Let’s take a closer look at the various HDFC Ergo General Insurance policy details.

HDFC Ergo my:health Suraksha Silver Smart Plan

• Entry Age: 18 years minimum (no maximum)
• Policy Term: 1-3 years
• Sum Assured: Rs.3-5 lakhs
• Pre and Post-Hospitalisation: 60 and 180 days, respectively.

Other benefits:

• Hospital Cash Add-On: Rs.1000-2000 per day
• No-Claim Bonus: 10% for each claim-free year, max 100%
• Ambulance Coverage: Up to Rs.2000
• Maternity Coverage: Rs.15,000-25,000 (Normal Delivery); Rs.25,000-40,000 (C-Section Delivery)

HDFC Ergo my:health Suraksha Gold Smart Plan

• Entry Age: 18 years minimum (no maximum)
• Policy Term: 1-3 years
• Sum Assured: Rs.7.5-15 lakhs
• Pre and Post-Hospitalisation: 60 and 180 days, respectively.

Other benefits:

• Hospital Cash Add-On: Rs.3000-5000 per day
• No-Claim Bonus: 10% for each claim-free year, max 100%
• Ambulance Coverage: Up to Rs.3500
• Air Ambulance Coverage: Up to Rs.2 lakhs
• Maternity Coverage: Rs.15,000-25,000 (Normal Delivery); Rs.25,000-40,000 (C-Section Delivery)

HDFC Ergo my:health Suraksha Platinum Smart Plan

• Entry Age: 18 years minimum (no maximum)
• Policy Term: 1-3 years
• Sum Assured: Rs.20-75 lakhs
• Pre and Post-Hospitalisation: 60 and 180 days, respectively.

Other benefits:

• Hospital Cash Add-On: Rs.3000-7500 per day
• No-Claim Bonus: 25% for each claim-free year, max 200%
• Ambulance Coverage: Rs.3500 (for SI of Rs.20-50 lakhs); Rs.15,000 (SI > Rs.50 lakhs)
• Air Ambulance Coverage: Up to Rs.5 lakhs
• Maternity Coverage: Rs.25,000-50,000 (Normal Delivery); Rs.40,000-75,000 (C-Section Delivery); Rs.25,000-50,000 (Termination)

HDFC Ergo my:health Medisure Super Top-Up Plan

• Entry Age: 18-65 years
• Policy Term: 1-2 years
• Sum Insured: Rs.3-8 lakhs (Deductible: Rs.2 lakhs); Rs.7-12 lakhs (Deductible: Rs.3 lakhs); Rs.6-16 lakhs (Deductible: Rs.4 lakhs); Rs.5-20 lakhs (Deductible: Rs.5 lakhs)
• Pre and Post-Hospitalisation: 30 and 60 days, respectively

Other benefits:

• This HDFC Ergo Health Insurance Top-Up Plan does not require medical tests for individuals under 55 years of age.
• Coverage provided for room rent/ICU, Therapeutic Unit, Medical Practitioner fees, Anaesthetist fees, nurse fees, blood, oxygen and anaesthesia.
• Coverage offered for daycare treatments, i.e.< 24h of hospitalization

HDFC Ergo my:health Medisure Classic

• Entry Age: 3 months (children) and 18 years (adults) is the minimum. No maximum.
• Policy Term: 1-2 years
• Sum Insured: Rs.1-5 lakhs (Individual); Rs.2-5 (Family Floater)
• Pre and Post-Hospitalisation: 30 and 60 days, respectively

Other benefits:

• Ambulance Coverage: Rs.1500 per hospitalization
• Maternity Coverage: 10% of the Sum Insured or Rs.20,000 (normal delivery); 20% of Sum Insured or Rs.40,000 (C-section)
• Family Discount: 10% discount on payable premium if each family member is covered under the individual policy instead of choosing the HDFC Health Insurance family floater option.
• Cumulative Bonus: 5% increase for every claim-free year, up to a maximum of 50% of your base SI

HDFC Ergo Critical Illness Plan

• Entry Age: 5-65 years
• Policy Term: 1-2 years
• Sum Insured: Rs.5-10 lakhs
• Coverage: 8 critical illnesses (Silver); 15 critical illnesses (Platinum)

Other benefits:

• Individuals < 45 years do not require a medical checkup before availing this policy.
• Policyholders are eligible for a 50% discount on the cost of the diagnostic tests.
• Illnesses Covered: Heart Attack, Multiple Sclerosis, Stroke, Cancer, Major Organ Transplantation, Coronary Artery Bypass Surgery, Paralysis, Kidney failure (Silver plan ends here), Aorta Graft Surgery, Primary Pulmonary Arterial Hypertension, Heart Valve Replacement, Parkinson's Disease, Alzheimer's Disease, End-Stage Liver Disease, Benign Brain Tumour (Platinum plan)

HDFC Ergo Senior Citizens Health Insurance

• Entry Age: 18 years minimum. No maximum.
• Policy Term: 1-3 years
• Sum Insured: Rs.3-15 lakhs
• Pre and Post-Hospitalisation: 60 and 180 days, respectively.

Other benefits:

• HDFC Ergo Health Insurance for Senior Citizens offers coverage for AYUSH treatments
• This plan syncs with advanced healthcare treatments for better coverage
• Lifestyle diseases are covered under this policy

HDFC Ergo Health Insurance Benefits

There are several HDFC Ergo General Insurance benefits ranging from the extensive HDFC Ergo General Insurance hospital list to the incredibly customer-friendly HDFC Ergo General Insurance policy details.

• The HDFC Ergo Health Insurance list of hospitals includes over 10,000 network hospitals. This allows them to offer cashless services all over the country.
• Their plans are immensely customer-friendly and affordable, as evidenced by HDFC Ergo Health Insurance’s terms and conditions.
• Whether you want HDFC Ergo Health Insurance for parents or your spouse, family floater options are available under nearly every plan. Just take a thorough look at the HDFC Ergo General Insurance details and take your pick!
• You can easily buy HDFC Ergo General Insurance online with just a few clicks!
• HDFC Ergo Health Insurance’s maternity benefits are comprehensive and cover childcare and vaccines, too. This is just one the many riders you can opt for through HDFC Ergo.
• Whether you purchase an HDFC Ergo General Insurance family health plan or an individual plan, the premiums you pay are deductible under Section 80(D) of the Income Tax Act.

HDFC Ergo Health Insurance Premium Calculator

When buying your health insurance policy, you can see how much your plan is going to cost you. The premium is one of the most important parts of the HDFC Ergo Health Insurance details. Therefore, the company helps you calculate it. You just need to provide the following information:

• Coverage details
• Medical history
• Policy term
• Sum insured you need
• The type of policy to buy
• Your age

HDFC Ergo General Insurance Claim Process

You can make both cashless and reimbursement claims under your HDFC Ergo policy.

Cashless Claims:

• Check the HDFC Ergo General Insurance network hospital list and ensure you are in their hospital.
• Show the hospital insurance desk your HDFC Ergo health card and submit the pre-authorization form.
• The claim management team will contact you for verification.
• After successfully verifying, you will receive an approval letter.
• The claim details will then be sent to your registered email and phone numbers.

Reimbursement Claims:

• Pay your bills and fill in the required claim form.
• Submit the form with the necessary documents such as discharge summary, prescriptions, etc.
• HDFC will call you and verify the process.
• Upon successful completion, you will receive a confirmation on your registered email ID.
• You will receive your reimbursement within 3 days.

In case you are confused about which documents qualify for your reimbursement or cashless process, contact Cover360's 24/7 customer service team, and we will happily assist you through the process!

HDFC Ergo Health Insurance Renewal Process

• Visit cover360.in and go to our renewal page
• Enter the details asked
• You will be taken to the HDFC Ergo website to complete the renewal process.
• Alternatively, you can directly renew your HDFC Ergo Health Insurance online.
• On the website, go to the “Renew” tab.
• Choose the “Health Insurance” option.
• Enter your policy number and click on “Renew Now”.
• Make your premium payment and finish the HDFC Ergo renewal process.
• You will receive confirmation of your renewal on your registered email ID.

Reach out to Cover360 if you have any questions at any stage in the insurance process. Our experts are here to ensure that you have the smoothest insurance experience long after we help you buy the policy. Therefore, whether you want to know about your options or your renewal procedure, we are here to help!