HDFC ERGO Health Insurance, under HDFC ERGO General Insurance Company Limited, is a leading contender in India’s health insurance domain. Formed in 2002 via a joint venture between HDFC Ltd. and Germany’s ERGO International AG, the company offers a diverse range of health coverage options at affordable rates to meet the needs of individuals, families, and women.

The insurer's standout feature is its specialized insurance plans, covering critical illnesses like COVID-19 and dengue, ensuring policyholders receive tailored solutions in a transforming healthcare environment. Moreover, the Value Buy benefit allows policyholders a discount of up to 50% by choosing a voluntary deductible, adding financial savings to the value-packed offerings.

Renowned for a speedy claims process, HDFC ERGO settles cashless claims in around 2 hours, boasting a 97.47% incurred claim ratio in the 2021-22 fiscal year, underscoring its customer-centric approach and financial dependability.

Explore HDFC ERGO’s Coverage Options

• ₹5 Lakh HDFC ERGO Health Insurance
• ₹10 Lakh HDFC ERGO Health Insurance
• ₹20 Lakh HDFC ERGO Health Insurance
• ₹50 Lakh HDFC ERGO Health Insurance
• ₹1 Crore HDFC ERGO Health Insurance
• ₹2 Crore HDFC ERGO Health Insurance

These plans provide flexible and comprehensive coverage options catering to varied healthcare needs and financial budgets.

Overview of HDFC ERGO Health Insurance Plans

• my Koti Suraksha Plan: Suited for individuals aged 91 days to 65 years, this plan offers medical coverage and personal accident cover, ranging from ₹50 lakh to ₹1 crore and ₹10,000 to ₹10 crore, respectively.
• Optima Secure: For individuals aged 91 days to 65 years, this plan features unique benefits that improve coverage up to 4-fold at no extra cost, with premiums cut by 50% via a deductible.
• Critical Illness Insurance: Designed for ages 5 to 65, offering ₹1 lakh to ₹50 lakh in coverage, this plan financially supports severe health conditions.

Note: All benefits adhere to IRDAI-approved standards. Standard terms apply.

Advantages of HDFC ERGO Insurance Plans

• Exclusive Benefits: Incorporates features like the Value Buy and Multiplier Benefit, enhancing financial advantage.
• In-House Claims Team: Ensures cashless claims are processed swiftly within 2 hours.
• 24/7 Customer Support: Offers round-the-clock assistance for any inquiries.
• Tax Benefits: Policyholders gain tax relief on the paid premiums.

Claims Filing Steps with HDFC ERGO

1. Hospitalization: Get admitted to an HDFC ERGO network hospital.
2. Present Documents: Show your health card and valid photo ID.
3. Cashless Pre-authorization: Hospital requests cashless treatment approval.
4. Approval & Discharge: Post approval, submit discharge documents for final authorization.

Required Documents for Reimbursements

• Completed claim form, policy number
• Original discharge summary and hospital bill
• Pharmacy receipts with prescriptions
• Investigation reports
• Additional documents if needed (e.g., FIR, legal certificates)

With over 10,000 network hospitals, HDFC ERGO ensures policyholders access quality healthcare services in cities like Delhi, Mumbai, and Bangalore.

Purchasing HDFC ERGO Plans

1. Visit Policybazaar.com
2. Enter personal and contact details
3. Select desired plan
4. Complete the purchase online

Renewal Process for Your Plan

1. Log in to Policybazaar.com
2. Select renewal option
3. Input required details
4. Choose and pay for your renewal plan

To estimate premiums, use the premium calculator, entering city and coverage details for an accurate estimate.

Contact Details:

• Phone: 022 6242 6242 (policy purchase line), 022 6234 6234 for queries
• Email: care@hdfcergo.com

In closing, HDFC ERGO Health Insurance offers diverse plans with attractive benefits and a streamlined claims process, ensuring policyholders receive comprehensive health protection and support.