HDFC ERGO Health Insurance Policy Download
HDFC ERGO General Insurance Company Limited was founded in the year 2002 as a joint venture between HDFC and ERGO International AG. Headquartered in Mumbai, Maharashtra, the company services over 1.5 crore customers and has a claim settlement ratio of 95%. [1]
This page will guide you through downloading your policy, accessing health insurance company documents, and addressing any additional queries regarding HDFC ERGOs policy details.
Health Insurance Calculator
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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)
Optima Restore
Cover
5 Lakh
Cashless Hospital
9552
Starting From ₹ 1,391/month*
Optima secure
Cover
5 Lakh
Cashless Hospital
9552
Starting From ₹ 1,312/month*
What is a Health Insurance Policy document?
A health insurance policy document is important because it holds essential information required to form a legally binding contract between an insurer and the policyholder. This document may contain the following data:
- Policyholder’s name,
- Contact details (phone number, address, email ID),
- Terms and conditions of policy,
- Sum insured or the amount of coverage that a policyholder is getting within the plan,
- Premium amount to be paid monthly/annually
- Additional riders and opted add-on details
- Effective date of policy initiation and renewal
- Tax certificate
- Claim process
- Proposal details
- Health card
*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 Plan | Sum Insured | |
Optima PlusMin: 91 Days; Max: 65 Years | 5 Lakh | Check Premium |
my: Health Medisure Super Top-upMin: 3 Months; Max: 65 Years | 3 Lakh | Check Premium |
Optima SuperMin: 91 Days; Max: 65 Years | 5 Lakh | Check Premium |
Importance of HDFC ERGO Health Insurance Policy Document
There are several reasons your policy document can hold great significance, they are:
- Dispute Resolution: If disagreements arise with the insurer regarding claim settlements or policy interpretations, the document serves as a reference point for resolution.
- Proof of Coverage: Your policy document is a document that’s proof of the total coverage being given to you.
- Understanding Your Benefits: Your policy document will help you understand all the benefits that you may avail on your policy
- Protection Against Fraud: Your policy document is the binding document between your insurer and you and should be kept properly to make sure that you are protected against any fraud during the process of claiming your coverage.
- Educational Tool: Your policy document also serves as a tool for people to understand various insurance concepts, terminology, and keywords.
Important Details in a Policy Document
Your HDFC ERGO Health Insurance Policy document can help you with the following:
- Coverage Details: Your health insurance policy document allows you to review and verify your coverage details.
- Sum Insured: Your health insurance policy document provides information on the annual total sum insured available under your plan.
- Tax Exemption Receipt: Your policy document also comes with a tax exemption receipt that helps you save taxes under Section 80D.
- Policy feature details: Your policy document contains information about the features of your policy and important considerations to keep in mind.
- Add-ons and Riders: Your policy document also has details about the add-ons and riders that you have opted for to go along with your policy.
- Renewal Details: You can also review your policy renewal information within your policy document.