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HDFC Ergo Health Insurance

The HDFC Ergo General Insurance Company, which is one of the largest insurance service providers in India, has launched HDFC Ergo Health Insurance for offering multiple benefits to the citizens. It was founded in 2002 and operates in 109 branches in 89 cities. It is a joint venture between HDFC limited and ERGO international. HDFC is a private housing finance company. It is the major shareholder in the venture and is headquartered in Mumbai. Ergo international AG is the primary entity in the Munich Regroup.

Why buy HDFC Ergo Health Insurance?

HDFC Ergo Health Insurance covers a wide range of health insurance plans for individuals and family. These plans offer coverage at premium packages and affordable amounts with a network of over 5000 hospitals. This company offers significant features like cashless hospitalization, high health claim benefits etc. These health insurance coverage plans are recommended for flexible modes of payments at affordable premium rates. Any medical emergency requires the high amount of treatment that may not be affordable by middle-class people. HDFC Ergo health insurance plan makes this situation quite hassle-free. These medical benefits offer more happiness and health to your family besides lump sum benefits.

Advantages and benefits of availing HDFC Ergo health benefits

The HDFC Ergo health insurance company customers are more benefited by a wide range of services provided by the company and flexible mode of payments. It gives customers some extra benefits.

  • The company has a tie-up with more than 4800 hospitals, which offer cashless hospitalization and health care services.
  • The settlements of claims are done 24*7.
  • It offers value-added services to enable policyholder to ensure the amount during the period of claim-free years.
  • The company offers a quick and easy policy settlement and claim settlement benefit.
  • Policy renewal process is made easy.
HDFC Ergo health insurance offers two types of policies
  • Indemnity Health Insurance policy.
  • Lump Sum Health Insurance policy.
Indemnity Health Insurance plan

Under this category, the policy buyer gets the actual amount of his financial losses according to the maximum insured amount.

Lump Sum Payment Health Insurance Plan

This amount can be covered during hospitalization, critical surgeries, organ transplantation and similar conditions. The benefits of this plan are

  • Comes at an affordable price.
  • Available during the course of treatment.
  • Provides coverage for treatments other than allopathic.
  • Tax benefits are provided under section 80 D.
  • Provides reimbursements for pre-hospitalization and post-hospitalization charges to 60 days and 90 days respectively.
  • Offers individual and family health plans.
  • Offers inpatient charges for Ayush Treatments also, that is medications other than allopathic.
  • Provides reimbursement for transportation charges and kind of transplantation towards organ donation and related treatments.
List of insurance policies from HDFC Ergo

The health insurance policies offered by HDFC Ergo come under seven various segments.

  • HDFC Health Suraksha Insurance Policy
  • HDFC Health Suraksha Gold Insurance Policy
  • HDFC Health Suraksha Regain Insurance Policy
  • HDFC Health Suraksha Gold Regain Insurance Policy
  • HDFC Health Suraksha Top-up Insurance Policy
  • Critical Illness Insurance Policy
  • Critical Illness Insurance Platinum Policy
Key features of HDFC Health Suraksha insurance policy
  • Minimum age is 3 months and maximum age is 55 years.
  • No medical tests required.
  • Covers up inpatient charges and pre-hospitalization and post-hospitalization charges.
  • Minimum period one or two years.
  • Covers renewals up to age of 65 years.
  • Doctor fee, organ donor expenses, and ICU charges are covered.
  • Daycare procedure and expenses for treatment taken at home can be covered.
  • Assured sum is minimum 3 lakhs.
  • Hospital room rent and boarding expenses are covered.
Key features of HDFC Health Suraksha gold insurance policy
  • No minimum age limit.
  • Offers plans for individuals or family.
  • No need for medical tests.
  • Provides coverage for pre- and post-hospitalization .
  • Offers privileges for a minimum of one year and maximum of two years.
  • Offers coverage for renewals until the age of 65 years.
  • Covers expenses for organ donors, fee of the doctors, and ICU expenses.
  • Also provides privileges for day-care expenses and procedure for treatment that is taken at one’s residence.
  • Assured sum has no limitations.
  • Supports all expenses related to accommodations at the hospital.
  • Covers emergency and maternity expenses.
Key features for HDFC Ergo Health Suraksha regain insurance policy
  • No age limit.
  • Assured sum is 3 to 10 lakhs.
  • No medical tests required.
  • Covers up inpatient charges and pre-hospitalization and post-hospitalization charges.
  • Minimum period one or two years.
  • Covers renewals up to age of 65 years.
  • Doctor fee, organ donor expenses, and ICU charges are covered.
  • Daycare procedure and expenses for treatment taken at home can be covered.
  • Hospital room rent and boarding expenses are covered.
  • Covers emergency and maternity expenses.
  • Domestic treatment expenses covered.
Key features of HDFC Ergo Critical Illness Insurance plan
  • Age limit is 5 to 45 years.
  • Sum assured is 2.5 to 10 lakhs.
  • Covers 23 types of critical illnesses.
  • Cashless hospitalization provided.
  • Covers up inpatient charges and pre-hospitalization and post-hospitalization charges.
  • Minimum period one or two years.
  • Covers renewals up to age of 65 years.
  • Doctor fee, organ donor expenses, and ICU charges are covered.
  • Day-care procedure and expenses for treatment taken at home can be covered.
  • Hospital room rent and boarding expenses are covered.
  • Allows easy claim settlement procedure.
Key features of HDFC Ergo critical illnesses platinum insurance plan
  • Age limit is 5 to 65 years.
  • Sum assured is 2 to 10 lakhs.
  • Cashless hospitalization provided.
  • Covers up inpatient charges and pre-hospitalization and post-hospitalization charges.
  • Policyholder gets a choice of choosing minimum one year or two years.
  • Covers renewals up to age of 65 years.
  • Doctor fee, organ donor expenses, and ICU charges are covered.
  • Compensation provided for lost income.
HDFC Ergo network hospitals

HDFC Ergo network hospitals offer coverage for hospitalization for hospitals of your choice but you have to inform about TPA to get your claims settled easily. However, the company has tie-ups with about 5000 hospitals around the country

HDFC Ergo Health insurance premium calculator

At Quick Bima, we provide you with all relevant facilities to calculate your premium to get the insurance coverage. You can browse our site and calculate your premium. Thus, you can find a suitable company that facilitates to provide health coverage suitable for you and your family.

 

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