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HDFC ERGO Health Insurance FAQs

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HDFC ERGO Health Insurance Plan List

  • Individual (1)
  • Family (2)
  • Woman (2)
  • Parents (2)
  • Blood Pressure (2)
  • Kids (2)
  • Thyroid (2)
  • Diabetes (2)
  • Cover

    5 Lakh

    Cashless Hospital

    9372

    Starting From 1,391/month*

  • Cover

    5 Lakh

    Cashless Hospital

    9372

    Starting From 1,312/month*

Claim Settlement

  • What are the health insurance claim settlement options offered by HDFC Ergo?

    HDFC Ergo offers both, cashless treatment or reimbursement facility options to its customers for claim settlement purpose.

  • What is the process of health insurance claim intimation at HDFC Ergo?

    In order to initiate a claim, the policyholder is required to initiate contact at HDFC Ergo at 022-6234-6234. You can also initiate contact with the experts at InsuranceDekho at 7551-196-989.

  • When should I intimate HDFC Ergo about the hospitalisation?

    Irrespective of whether you opt for cashless treatment or reimbursement mode, make sure you inform HDFC Ergo within 24 hours (emergency hospitalisation) and within 48 hours prior to admission (planned hospitalisation), be it at a network hospital or a non-network hospital.

  • What are the documents required for claim settlement process at HDFC Ergo?

    At HDFC Ergo, the list of documents needed for registering claim includes:

    • Duly filled and signed claim form with HDFC Ergo policy number.
    • Original discharge summary.
    • Original Investigation reports.
    • Past treatment documents, if any.
    • Medico Legal Certificate (MLC) or FIR in case of an accident.
    • Original final bill comprising detailed breakup.
    • Original payment receipt.
    • Original pharmacy invoices supported by prescriptions, etc.

  • How to calculate the Claim Settlement Ratio (CSR) of HDFC Ergo General Insurance?

    You can calculate the Claim Settlement Ratio of HDFC Ergo General Insurance by dividing the total number of claims received by the total number of claims settled in that year.

  • How to process cashless claims under health insurance plans by HDFC Ergo?

    As per HDFC Ergo General Insurance, it usually approves cashless health insurance claims within 20 minutes. To process cashless claim under health insurance plans by HDFC Ergo, you will be required to follow the steps given below:

    • Fill the pre-authorisation form at the network hospital for cashless approval
    • Once the hospital updates HDFC Ergo General Insurance, then the insurance company will send you the status update
    • Hospitalisation will be done on the basis of pre-authorisation approval
    • At the time of discharge, the insurance company will directly settle the medical bill at the network hospital.

  • How to make reimbursement claims under health insurance plans offered by HDFC Ergo General Insurance?

    As per HDFC Ergo General Insurance, it usually settles reimbursement health insurance claims within 6 hours. To make reimbursement claims under health insurance plans by HDFC Ergo General Insurance, you will be required to follow the steps given below:

    • Get hospitalised at a non-network hospital, pay the bills, and preserve the original invoices
    • Register a claim by sending all the invoices and treatment documents to the insurer
    • Your documents will be verified by the insurer. i.e., HDFC Ergo General Insurance
    • You will receive the approved claim amount in your bank account within the stipulated time.

  • What is the time frame within which the hospitalisation must be reported to HDFC Ergo General Insurance?

    In case of planned hospitalisation, you must inform HDFC Ergo General Insurance at least 48 hours prior to hospitalisation. Whereas in case of emergency hospitalisation, the insurer must be informed within 24 hours of hospitalisation.

  • What is the Claim Settlement Ratio of health insurance by HDFC Ergo?

    As per the IBAI’s General Insurance Claim Insights Handbook For Policyholders-4th and 5th Edition, the Claim Settlement Ratio (CSR) of HDFC Ergo general Insurance for the financial years 2018-19 and 2019-20 is 83.66% and 86.52% respectively.

Critical Illness

  • Does HDFC ERGO offer critical illness plan?

    Yes. HDFC Ergo provides critical illness cover under its Critical Illness insurance plan.

  • What is the eligibility criteria for buying critical illness plan by HDFC Ergo?

    Any individual in the age group of 5 years to 65 years can apply for HDFC Ergo's critical illness plan.

  • Which critical illnesses are covered by HDFC Ergo under its critical illness plan?

    HDFC Ergo, through its critical illness plan provides coverage for up to 15 critical illnesses. Stroke, coronary artery bypass surgery, paralysis, cancer, heart attack (myocardial infarction), major organ transplantation, multiple sclerosis, and kidney failure are a few critical illnesses covered by HDFC Ergo.

  • What are the benefits that HDFC Ergo offers under its critical illness plan?

    To cater to the medical needs of critical illness insured individuals, HDFC Ergo provides lump sum payment in a single transaction on first diagnosis of any of the critical illnesses. Apart from lifelong renewability, the HDFC Ergo offers tax benefits as well as coverage for up to 15 critical illnesses.

  • Which diseases are covered HDFC Ergo General Insurance plans?

    Under the HDFC Ergo General insurance Plans, different type of diseases are covered depending upon the type of plan chosen by the policyholder. For example, HDFC Ergo Critical Illness Insurance Plan covers 15 critical illnesses such as heart attack, stroke, cancer, paralysis etc.

  • How to buy critical illness cover offered by HDFC Ergo General Insurance?

    To buy critical illness cover offered by health insurance by HDFC Ergo, you must follow the steps given below:

    • Visit www.insurancedekho.com and click on the ‘Health’ tab.
    • Select your gender and enter name and mobile number. You will receive an OTP on the given mobile number. Kindly enter that.
    • Answer the question ‘When do you plan to buy insurance policy’ by selecting an option from the drop-down menu. Click on ‘View Instant Quotes’ and proceed.
    • Select the family members you want to add under your policy. And click on the ‘Continue’ button.
    • Enter your Email ID and City. Then click on the ‘Submit and View Quotes’ button. You will see several suitable quotes displayed on your screen. Choose the one you wish to buy.
    • Select the policy term and provide required details and pay online via a secured payment gateway.

  • Who can buy critical illness plans offered by HDFC Ergo General Insurance?

    Anyone who is aged more than 18 years and is a resident of India can buy a critical illness plan offered by HDFC Ergo General Insurance.

  • Can I avail tax benefits on the premium paid for critical illness plans offered by HDFC Ergo General Insurance?

    Yes. You can avail tax benefits under Section 80D of the Income Tax Act, 1961, on the premium paid for critical illness plans offered by HDFC Ergo General Insurance.

  • What is the eligibility criteria for critical illness cover offered under HDFC Ergo plans?

    The minimum age criteria for critical illness cover offered under HDFC Ergo plans is 18 years. Also, you must be a resident of India to seek cover.

  • What are all documents required at the time of claim under critical illness plans offered by HDFC Ergo General Insurance?

    At the time of claim under HDFC Ergo plans, you would require the following documents:

    • Valid ID proof
    • Doctor’s prescription advising medical tests, medicines, consultations, etc.
    • Original diagnostic test reports, radiology reports and payment receipts
    • Doctor’s letter recommending hospitalisation
    • Original bills from the pharmacies
    • Post mortem report, if applicable
    • Original receipts, bills, and discharge forms duly signed by the doctor
    • First Information Report (FIR) if it is a police case.

Diabetes

  • Which HDFC Ergo General insurance health plan should I buy for diabetes patients?

    You can opt for HDFC Ergo Energy Plan for complete coverage for diabetes alongside other medical expenses.

Family

  • How do I benefit by purchasing family floater health insurance?

    On buying family floater health insurance, you not only cover your entire family under one policy (sum insured shared by all members), but also make renewals easier. Moreover, the premium becomes less in comparison as that of individual health insurance.

  • What if the primary insured in a family health insurance passes away?

    In case, the primary insured individual dies, the other adult individual may carry on with the policy. Note that the sum insured will remain the same.

  • What are the options one can go for to opt for family health insurance in HDFC Ergo?

    A policyholder can either choose a family floater plan or cover each member on an individual basis under the same policy.

  • What are the discounts associated with family health insurance in HDFC Ergo?

    Policyholders get 10% discount on the premium on choosing to cover more than 2 family members on an individual sum insured basis in the same policy.

  • What is the advantage of HDFC ERGO family health insurance?

    HDFC ERGO family health insurance offers multiple advantages to the policyholder. The major benefits include cover for family under a single sum insured amount, no need to manage different policies, sum insured up to Rs. 10 Lakh, easy claim settlement, cashless facility at 10,000+ network hospitals, no room rent capping, no disease sublimit, integrated wellness services, family discount, affordable premium rate and more.

  • Who should buy HDFC ERGO family health insurance plan?

    HDFC ERGO family health insurance is meant for people who want to secure the health of their dear ones along with themselves in a single plan. If you have been looking for a cover for yourself, your spouse, dependent children and dependent parents, my:health Suraksha would be a must buy.

  • Can I change the sum assured during HDFC ERGO family health insurance tenure?

    No! Making changes to the sum insured amount of HDFC ERGO family health insurance during the policy tenure is not allowed. However, a policyholder can request for the change at the time of policy renewal.

  • What does HDFC ERGO family health insurance plan cover?

    HDFC ERGO family health insurance my:health Suraksha provides cover for pre & post hospitalization expenses, 144 day care procedures, AYUSH treatment, optional covers like maternity and newborn baby cover, outpatient dental Treatment, convalescence benefit, hospital daily cash, and many more.

  • Does HDFC ERGO family health insurance policy offer tax deductions?

    Yes! HDFC ERGO family health insurance policy provides tax benefits under Section 80D of the Income Tax Act, 1961.

Feature

  • What is the waiting period for pre-existing diseases in HDFC Ergo?

    The waiting period for pre-existing diseases in HDFC Ergo is 4 years.

General Information

  • What is the customer care number of HDFC Ergo?

    The customer care number for HDFC Ergo is 022 6234 6234.

  • What is No Claim Bonus under HDFC Ergo?

    When you do not file a claim within the policy year, you get a benefit in the form of discount (NCB or No Claim Bonus) on your subsequent premium in the next year.

  • What are different types of health insurance policies provided by HDFC Ergo General Insurance?

    You can choose an ideal plan from a variety of health insurance plans provided by HDFC Ergo General Insurance like Individual Health Insurance Plan, Family Health Insurance Plan, my:Health Medisure Super Top up Plan, Corona Kavach Policy, Health Suraksha Silver Smart Plan, Parents Health Insurance Plan, my:Health Women Suraksha Plan, and Critical Illness Insurance Plan.

  • What is covered in HDFC Ergo General Insurance?

    HDFC Ergo General Insurance provides coverage on the basis of the specific type of policy selected by an individual. However, generally most of the plans provide cashless home health care, hospitalisation expenses, pre-hospitalisation expenses, post-hospitalisation expenses, AYUSH benefits, daycare procedure, organ donor expenses, free renewal health checkup etc.

  • How to contact HDFC Ergo General Insurance company?

    To contact HDFC Ergo General Insurance company you can call on their helpline number 1800 200 1999 (Toll Free) or 1860 200 0700. Otherwise, you can also write to them at Healthclaims@hdfcergo.com.

  • When should I inform the company to port my HDFC Ergo General Insurance policy?

    If you wish to port your policy from HDFC Ergo General Insurance company to some other insurance company, inform HDFC Ergo at least 45 days prior to the expiry date of the current policy.

  • What are the medical tests required prior to buying the HDFC Ergo General Insurance?

    For individuals up to 55 years of age, if the insured is not subject to any pre-existing health adversity, in that case, medical checkups are not required. However, for individuals above 55 years of age, some regular medical health checkups are needed before buying HDFC Ergo General Insurance Policy.

  • What is the waiting period for pre-existing diseases under HDFC Ergo General insurance health plan?

    Under HDFC Ergo General Insurance health plan, the waiting period for any pre-existing disease is 48 months.

  • What is the address of HDFC Ergo General Insurance?

    HDFC Ergo General Insurance Company Ltd. D-301, Third Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West) Mumbai-400078

  • Why should I buy health insurance by HDFC Ergo?

    HDFC Ergo helps its customers ‘Take it easy. Experience the convenience.' To ensure the same, the company offers HDFC Ergo best health insurance plans that are specifically designed keeping the diverse health insurance needs of customers in mind. Moreover, HDFC health insurance policy offers benefits such as pre and post hospitalisation coverage, cashless claims, no sub-limits, tax benefits, day care procedures, domiciliary medical treatment, and others.

  • Is there a limitation on the entry age for buying HDFC medical insurance plans?

    The entry age for children is 91 days. However, there is no maximum entry age for adults to buy HDFC Ergo health insurance plans.

  • What are the types of plans offered by HDFC Ergo?

    HDFC Ergo best health insurance plans involve individual health insurance plans, family health insurance plans, parents health insurance plans, senior citizen health insurance plans, critical illness insurance plans, and a super top-up insurance plan.

Help to Buy

  • How to check HDFC Ergo General Insurance policy status?

    You can check your HDFC Ergo General Insurance policy status by visiting the 'policy tracker' section on official website of HDFC Ergo. Now, enter your registered policy number, mobile number and email id.

  • How do I get HDFC Ergo General Insurance payment receipt?

    To download HDFC Ergo General Insurance payment receipt simply visit the official website or app of the insurance company.

  • How InsuranceDekho helps you to choose the best HDFC Ergo General insurance health plan?

    InsuranceDekho helps the policyholder in comparing various insurance plans by different insurance companies on a single platform. Additionally, it also lets the holder customize the plans as per their unique requirements.

  • What are the documents required to buy a HDFC Ergo General insurance health plan?

    You can buy HDFC Erfgo General Insurance Plan by showing your ID proof and Address Proof to the insurance company.

  • How to apply for and buy health insurance plans offered by HDFC Ergo?

    You can apply for and buy HDFC Medical Insurance plans online through the HDFC Ergo website www.hdfcergo.com or through www.insurancedekho.com. Remember, you can make use of net banking, debit card, or credit card to pay the premium of HDFC health insurance policy as the company allows flexible payment modes.

Individual

  • If I am already covered under my parent’s health insurance. Why should I buy a separate health cover?

    Buying a separate health cover will help you when you become ineligible to remain covered your parent’s policy. Your individual health insurance will cover your specific medical needs at that time.

  • How much cover do I need if I apply for individual health insurance at HDFC Ergo?

    Due to rising medical costs, it is recommended for you to opt for Rs. 5 lakh sum insured and above. However, learn that the ideal cover depends on current age, medical history, and a few other factors.

  • What is the best age to buy health insurance by HDFC Ergo?

    One should invest in individual health insurance in their early 20s to ensure optimum financial planning and gaining wider coverage at a lower premium.

  • I am covered under employee health insurance. Do I still require an individual health insurance plan by HDFC Ergo?

    Yes. An individual health coverage will protect you from drawbacks of employee health insurance and let you have control over your medical needs and their fulfillment.

  • Who should buy HDFC ERGO individual health insurance plan?

    HDFC ERGO individual health insurance policy is an ideal health insurance choice for an individual who wants to cover themselves only and gain maximum benefits out of the coverage purchased. So, if your family is already covered for health insurance, buying HDFC ERGO individual plan would be beneficial to you.

  • Can I change the sum assured during HDFC ERGO individual health insurance tenure?

    No! An HDFC ERGO individual health insurance policyholder is not allowed to make sum insured changes during the policy tenure. The ideal time to change the sum insured amount is policy renewal time.

  • What is the advantage of HDFC ERGO individual health insurance?

    HDFC ERGO individual health insurance comes with advantages like sum insured options up to Rs. 10 lakh, cashless treatment at 9,000+ network hospitals, no sub-limits on room rent & disease, no entry age restriction, long-term discounts, Integrated wellness services, additional optional of critical illness cover, e-opinion in case of a critical illness, etc.

  • What does HDFC ERGO individual health insurance plan cover?

    HDFC ERGO individual health insurance policy my:health Suraksha provides cover for pre & post hospitalization, 144 daycare procedures, maternity and newborn baby cover, AYUSH treatment, domiciliary treatment, optional cover for outpatient dental treatment and others.

  • Does HDFC ERGO individual health insurance policy offer tax deductions?

    Yes! Under an HDFC ERGO individual health insurance policy, a policyholder is eligible to gain tax benefits according to Section 80D of the Income Tax Act, 1961.

Kids

  • Can I take an independent health insurance policy at HDFC ERGO for my 4 year kid?

    In case your kid is less than 5 years, he or she would only be covered if you & your spouse are covered under the policy.

  • Does HDFC Ergo provide health insurance coverage for kids?

    Yes, at HDFC Ergo you can get health insurance coverage for your children as well.

  • Does HDFC Ergo provide coverage for new born baby?

    Yes, HDFC Ergo provides health insurance coverage for new born baby.

  • What are the benefits that HDFC Ergo offers under its health insurance policy for kids?

    The benefits covered under health insurance plans for kids by HDFC Ergo include pre-hospitalisation and post-hospitalisation, in-patient treatment, day care procedures, domiciliary hospitalisation, and various other benefits.

  • Who should buy HDFC ERGO kids health insurance plan?

    HDFC ERGO kids health insurance is a must buy for people looking forward to securing the health of their kids along with themselves to gain financial security against expenses incurred during an unexpected medical emergency.

  • Can I change the sum assured during HDFC ERGO kids health insurance tenure?

    No, not during the policy tenure! If you want to change the sum insured, the ideal time would be policy renewal.

  • What does HDFC ERGO kids health insurance plan cover?

    HDFC ERGO kids health insurance plan covers ​e-opinion in case of critical illness, pre & post hospitalization, 144 day care procedures, emergency ambulance expenses, AYUSH cover, organ donor expenses, convalescence benefit, policy tenure discount, family discount and more.

  • Does HDFC ERGO kids health insurance policy offer tax deductions?

    Yes! HDFC ERGO kids health insurance provides tax benefits as per Section 80D of the Income Tax Act, 1961.

Maternity

  • Which expenses are covered under maternity benefit by HDFC Ergo?

    HDFC Ergo's maternity benefits include pre & post natal expenses, normal, c-section, termination of pregnancy, as well as new born baby expenses.

  • How much does one have to wait to avail maternity benefit in HDFC Ergo?

    The maternity benefit in HDFC Ergo comes with 48 months or 4 years of waiting period.

  • Does HDFC Ergo cover IVF fertility under its maternity insurance cover?

    No, HDFC ERGErgoO doesn’t provide coverage for IVF fertility.

  • What are the maternity sum insured options available under HDFC Ergo maternity insurance?

    HDFC Ergo's Health Suraksha Gold policy, maternity sum insured for normal delivery is Rs. 15,000. While for c-section, the sum insured is Rs. 25,000, it is Rs. 15,000 for termination of pregnancy.

  • Who should buy HDFC ERGO maternity health insurance plan?

    Health Suraksha Gold with Regain and ECB, the ultimate HDFC ERGO maternity health insurance policy is perfect for married couples and women who are planning to start their family in the coming years.

  • Can I change the sum assured during HDFC ERGO maternity health insurance tenure?

    Unfortunately, you cannot! Any changes to sum insured may not be allowed during the policy tenure, but you can increase or decrease your HDFC ERGO maternity health insurance at the time of policy renewal.

  • What is the advantage of HDFC ERGO maternity health insurance?

    HDFC ERGO maternity health insurance comes with many advantages such as easy claim settlement, lifelong renewability, up to Rs. 10 Lakh sum insured, no medical checkup up to 45 years, cover for maternity expenses and newborn baby cover, no sub-limits on room rent, hospital charges, diseases, and doctor fee, etc.

  • What does HDFC ERGO maternity health insurance plan cover?

    HDFC ERGO maternity health insurance grants coverage for maternity expenses, newborn baby cover, unlimited day care procedures, AYUSH treatment, convalescence benefit, 5% bonus on the sum insured for every claim free year, family discount, optional benefits like Regain Benefit & Enhanced Cumulative Bonus and more.

  • Does HDFC ERGO maternity health insurance policy offer tax deductions?

    Yes! HDFC ERGO maternity health insurance policy gives tax benefits as per Section 80D of the Income Tax Act, 1961.

Parents

  • Which is the most affordable base plan for parents health insurance offered by HDFC Ergo?

    HDFC Ergo, through its most affordable base plan, my:health Medisure Classic Insurance offers comprehensive coverage to all the parents.

  • What is the maximum entry age for parents health insurance at HDFC Ergo?

    At HDFC ERGErgoO, there is no restriction for maximum entry age to buy health insurance for parents.

  • Does HDFC Ergo provide ayurvedic treatment under its parents health insurance?

    Yes, HDFC Ergo offers coverage for ayurvedic treatment under its parents health insurance.

  • Does HDFC Ergo offer discount on parents health insurance?

    At HDFC Ergo, you get a family discount of 10% on total premium for covering 2 or more family members on individual sum insured basis in a single policy.

  • Who should buy HDFC ERGO parents health insurance plan?

    HDFC ERGO parents health insurance my:health Medisure Classic is a perfect health insurance plan for elderly who want to gain financial security against unexpected medical expenses.

  • Can I change the sum assured during HDFC ERGO parents health insurance tenure?

    No, HDFC ERGO does not allow any changes to sum insured during the policy tenure. If you want to change your HDFC ERGO parents health insurance sum insured, the best time to request the same would be policy renewal period.

  • What is the advantage of HDFC ERGO parents health insurance?

    No entry age restrictions, wide cover, sum insured up to Rs. 5 lakh, 10% co-payment for every claim for insured above the age of 80 years, 5% long term policy discount, 10% family discount, 5% cumulative bonus, are some of the prime advantages of HDFC ERGO parents health insurance.

  • What does HDFC ERGO parents health insurance plan cover?

    HDFC ERGO parents health insurance policy grants cover for inpatient treatment, pre & post hospitalisation, daycare procedures, domiciliary hospitalisation, hospitalisation due to accident, Ayurvedic treatment, Recovery Benefit, optional covers of Double Sum Insured for Critical Illness and Waiver of Room Rent Sub-limits, etc.

  • Does HDFC ERGO parents health insurance policy offer tax deductions?

    Yes, it does! HDFC ERGO parents health insurance policy offers tax benefits as per Section 80D of the Income Tax Act, 1961.

Plan Coverage

  • Does HDFC Ergo cover pre-hospitalisation and post-hospitalisation expenses?

    Yes, the company provides coverage for pre-hospitalisation expenses up to 60 days and for post-hospitalisation expenses up to 90 days.

Portability

  • When should I apply for health insurance portability at HDFC Ergo?

    If interested in getting your health insurance policy port, it is advisable for you to apply at the insurer at least 45 days before the premium renewal date of the existing policy.

  • What is the age criteria to be eligible for health insurance portability at HDFC Ergo?

    At HDFC Ergo, the entry age for health insurance portability is dependent on the new policy terms and conditions as well as guidelines.

  • What are the documents required for health insurance portability at HDFC Ergo?

    The list of documents required includes portability form, photocopy of existing policy documents, policy renewal documents, clearly mentioning continuity of coverage, in case of no claims made on the previous insurer, self-declaration by policyholders. In case of claim settlement, investigation report, discharge summary, and other documents are required to be submitted as proof.

  • Does HDFC Ergo offer the feature of health insurance portability?

    Yes, you can opt for health insurance portability under health insurance plans by HDFC Ergo.

Premium

  • How do I calculate my HDFC Ergo premium?

    Calculating the HDFC Ergo premium is quite easy. You can do so by visiting the official website of HDFC Ergo and click on ‘Health Insurance Premium Calculator Online’ or you can contact experts at InsuranceDekho at 7551196-989.

  • How do I pay my HDFC Ergo premium?

    Premium payment at HDFC Ergo is not at all a task. You can make payment through net banking, credit/debit card, cheque, UPI, or cash. For more information, initiate contact with InsuranceDekho experts at 7551-196-989.

  • How to use HDFC Ergo General Insurance premium calculator

    HDFC Ergo General Insurance premium calculator is very easy to use. You just need to visit insurancedekho website, then click on the 'Health' section and enter the details as required.

  • What are the details required for using HDFC Ergo General Insurance premium calculator?

    Very basic details are required for using HDFC Ergo General Insurance premium calculator like your age, medical history, coverage details, your city, number of members insured and their age.

  • What are the factors affecting HDFC Ergo General Insurance premium amount?

    Premium amount for HDFC Ergo General Insurance is affected by factors such as your age, pre-existing diseases, family history, members insured and policy tenure.

  • How to compare health insurance premium using HDFC Ergo General Insurance premium calculator?

    The best method to do a premium comparison is by the means of using HDFC Ergo General Insurance Premium Calculator. With the help of a calculator you can perform comparison on the basis of coverage, PED waiting period, co-payment clause and restoration benefits.

  • What are the advantages of using HDFC Ergo General Insurance premium calculator?

    You get numerous benefits by using HDFC Ergo General Insurance premium calculator like convinence in comparison of various premium amounts, ease in financial planning, error free calculations and customization of coverage as per your requirements.

  • What are the factors that will affect my premium for health insurance by HDFC Ergo?

    Your premium amount for the HDFC Ergo plan will be based on age, the number of people, pre-existing diseases, and family history. Note that the higher the age, the higher will be the premium. Also, the premium for individual coverage would be less in comparison to a family floater.

  • What is the best way to compare premiums for health insurance by HDFC Ergo?

    The ideal way to perform a premium comparison and choose the best HDFC Ergo policy is the calculation of premiums, and comparing coverage as well as exclusions.

  • How to calculate premiums of health insurance plans for parents offered by HDFC Ergo General Insurance?

    To calculate premiums of health insurance plans for parents offered by HDFC Ergo General Insurance, you can use InsuranceDekho’s health insurance premium calculator. It is a free tool that uses several factors to calculate the premium for health insurance plans for parents, including sum insured, policy term, add-on cover(s), members covered under the policy, pre-existing illnesses, etc.

  • What are the benefits of HDFC Ergo General Insurance’s premium calculator?

    Following are the benefits of using HDFC Ergo General Insurance’s premium calculator:

    • It saves you from doing complex calculations of health insurance premium
    • It gives you an estimate of the premium to be paid and hence you can do the financial planning well in advance
    • It allows you to add or reduce coverage features and choose the best ones in accordance with the premium.

  • What are the factors that affect the health insurance premium of HDFC Ergo plans?

    There are several factors that affect the health insurance premium of HDFC Ergo plans. These include sum insured, members to be covered under the policy, policy period, add-on cover(s), pre-existing illnesses, etc.

  • Do I have to pay GST on premiums paid for HDFC Ergo plans?

    Yes. You will be required to pay GST at the rate of 18% on premiums paid for health insurance plans offered by HDFC Ergo General Insurance.

  • How to lower premiums for HDFC Ergo plans?

    To lower the health insurance premiums for HDFC Ergo plans, you must follow the tips given below:

    • Purchase top-up plans for extended coverage at affordable premiums
    • Be informed when choosing deductibles and co-payment
    • Buy health insurance policies on floater basis instead of an individual basis.

Senior Citizen

  • What is the eligibility criteria for purchasing HDFC Ergo senior citizen insurance?

    There is no age restriction for buying HDFC Ergo senior citizen health insurance.

  • Can I buy HDFC Ergo's health insurance post-retirement for myself and/or my spouse?

    Yes, you can, even if you are living your retirement life.

  • Is a senior citizen entitled to tax exemption in HDFC Ergo?

    Yes, senior citizen health insurance in HDFC Ergo allows the insured to avail up to Rs. 30,000 tax exemption under Section 80D of the Income Tax Act, 1961.

  • Which is the best HDFC Ergo General insurance health plan for people aged over 65 years?

    Ideal HDFC Ergo General Insurance Plan for people aged over 65 years is Suraksha Silver Smart Plan to cater to their healthcare needs at a nominal premium rate.

  • Does health insurance plans by HDFC Ergo come with any disease restriction for senior citizens?

    No, there are no disease-specific restrictions for senior citizens in health insurance plans by HDFC Ergo.

  • Who should buy HDFC ERGO senior citizen health insurance plan?

    HDFC ERGO senior citizen health insurance is a great health insurance choice for individuals aged above 61 years who want to secure themselves and their finances against unexpected medical expenses.

  • Can I change the sum assured during HDFC ERGO senior citizen health insurance tenure?

    No! You cannot make any changes to the sum insured during the policy tenure. But, if requested at the time of policy renewal, the change can be allowed.

  • What is the advantage of HDFC ERGO senior citizen health insurance?

    HDFC ERGO senior citizen health insurance policy Optima Senior features benefits such as no maximum entry age, lifelong renewal option, easy claim settlement, portability benefits, no claim discount, e-opinion, and no claim-based loading or claim-based underwriting, affordable premium, etc.

  • What does HDFC ERGO senior citizen health insurance plan cover?

    HDFC ERGO senior citizen health insurance plan Optima Senior provides cover for inpatient hospitalization, pre-hospitalisation & post-hospitalisation expenses, domiciliary treatment, one e-opinion per policy, organ donor expenses, domiciliary treatment, emergency ambulance expenses, and more.

  • Does HDFC ERGO senior citizen health insurance policy offer tax deductions?

    Yes, it does! HDFC ERGO senior citizen health insurance policy provides tax benefits according to Section 80D of the Income Tax Act, 1961.

Tax Benefit

  • What tax benefits can I expect to get?

    Policyholders are entitled to get tax benefits for premiums that they pay towards a health insurance policy offered by HDFC Ergo under Section 80D of the Income Tax Act.

Top-up

  • Why should I choose HDFC Ergo's top-up plan?

    A few elements that make the top-up plan by HDFC Ergo an ideal choice to go for include constant premiums from age 61, no health check-ups up to age 55, in-patient hospitalisation, pre & post hospitalisation coverage, etc.

  • Does HDFC Ergo cover pre-existing diseases under its top up plan?

    Yes, HDFC Ergo provides coverage for pre-existing diseases under its top-up plan, but only after 36 months of continuous coverage.

  • Are any discounts offered by HDFC Ergo under its top up policy?

    HDFC Ergo provides a 5% discount under its top-up plan on choosing a two-year period and a 10% family discount when 3 or more family members are covered on an individual sum insured basis.

  • Does HDFC Ergo offer top-up plans?

    Yes. HDFC Ergo provides my: health Medisure Super Top-up in the category.

  • What is the difference between top-up plan and super top-up health insurance plan by HDFC Ergo?

    Top up plans by HDFC Ergo offer you additional coverage beyond the threshold limit of your base health insurance policy. And super top-up plans are similar to top-up plans except they cover a single claim above the threshold limit but super top up plans cover multiple hospitalisation bills above the threshold limit.

  • What is the difference between a rider and a top-up plan in health insurance by HDFC Ergo?

    A rider in health insurance plan by HDFC Ergo is an add-on cover that enhances the scope of an insurance policy. You can purchase a rider voluntarily by paying an extra premium. Whereas a top-up policy is designed to offer additional health insurance coverage along with the existing health insurance policy.

  • What are the advantages of top-up policies apart from increasing the coverage amount for the existing health insurance by HDFC Ergo policy?

    Following are the advantages of top-up policies offered by HDFC Ergo General Insurance:

    • Available at an affordable premium
    • Can be purchased with both individual and family floater plans
    • You can enjoy tax benefits under Section 80D of the Income Tax Act on the premium paid for these plans
    • It is a better option to go for a top-up policy in order to increase coverage at a nominal cost.

  • Why should you get a top-up plan in health insurance by HDFC Ergo?

    In case you are not satisfied with the coverage benefits of your existing health insurance policy and want more extensive coverage, then you can opt for a top-up policy by HDFC Ergo General Insurance. It comes at an affordable premium and offers you the required coverage.

  • Who can buy a top-up health insurance plan by HDFC Ergo General Insurance?

    Anyone who is aged above 18 years, lives in India and has a regular health insurance policy can buy a top-up policy by HDFc Ergo General Insurance.

Woman

  • Does HDFC Ergo offer hospitalisation coverage delivering baby via normal and cesarean?

    Yes, at HDFC Ergo you can avail in-patient hospitalisation benefit for both normal and cesarean.

  • What benefits does HDFC Ergo offer under its women-centric health insurance plans?

    Some of the common benefits covered under HDFC Ergo's plans for women include:

    • No entry age restriction.
    • Maternity benefit along with newborn baby cover.
    • Lifelong renewability.
    • Free health check-ups on completing 4 claim-free years.
    • Tax savings up to Rs. 60,000 under Section 80D of the Income Tax Act, 1961.

  • What are the sum insured options offered by HDFC Ergo under its maternity coverage?

    Under its Health Suraksha Gold plan, HDFC Ergo offers maternity sum insured Rs. 15,000 for normal delivery, Rs. 25,000 for C-section, and Rs. 15,000 for termination of pregnancy.

    Under my: health Medisure Classic, maternity sum insured for normal delivery is maximum 10% of sum insured or Rs. 20,000, max 20% of sum insured or Rs. 40,000 for C-section, and max 10% of sum insured or Rs. 20,000 for termination of pregnancy.

  • Are there any health insurance plans by HDFC Ergo that cover the specific needs of women?

    At HDFC Ergo, women can get themselves covered for maternity without any hassle. Health Suraksha Insurance Gold and my:health Medisure Classic Insurance are plans that cover maternity expenses.

  • Who should buy HDFC ERGO woman health insurance plan?

    HDFC ERGO woman health insurance plan is for every woman who wants to secure her and her family's health against high medical bills incurred during any unexpected medical emergency situation.

  • Can I change the sum assured during HDFC ERGO woman health insurance tenure?

    No! Changes in the sum insured amount during the policy tenure are not allowed. However, a policyholder can raise a request for the sum insured changes at the time of policy renewal.

  • What is the advantage of HDFC ERGO woman health insurance?

    HDFC ERGO woman health insurance has many advantages. The major ones include maternity expenses (maximum up to Rs. 15,000 for normal and Rs. 25,000 for C-section delivery), newborn baby expenses up to 90 days, sum insured up to Rs. 10 lakh, lifelong renewability, no sub limit for room rent & diseases and others.

  • What does HDFC ERGO woman health insurance plan cover?

    HDFC ERGO woman health insurance policy provides cover for maternity expenses, newborn baby medical expenses, E-opinion for critical illness, in-patient treatment, pre & post hospitalization, convalescence benefit, integrated wellness services, 144 day care procedures, organ donor expenses, emergency ambulance expenses, etc.

  • Does HDFC ERGO woman health insurance policy offer tax deductions?

    Yes, HDFC ERGO woman health insurance provides tax benefits under Section 80D of the Income Tax Act, 1961.

Tax Save
Save Tax upto ₹75000*
Under Section 80D

*Tax benefits are subject to changes in Income Tax Act.

HDFC ERGO Health Insurance Top Up List

  • Top-up (4)
  • Family (1)
  • Individual (1)
Name of PlanSum Insured
Optima PlusMin: 91 Days; Max: 65 Years5 Lakh Check Premium
my: Health Medisure Super Top-upMin: 3 Months; Max: 65 Years3 Lakh Check Premium
Optima SuperMin: 91 Days; Max: 65 Years5 Lakh Check Premium

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  • InsuranceDekho is an amazing platform for buying health insurance plans. The customer team was very helpful, t...

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