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HDFC ERGO Health Insurance Policy Download

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Highlights
Claim Settlement Ratio86.52%
COVID-19 CoverYes
In-House Claim SettlementAvailable
Network Hospitals10,000+
Policies Sold10,66,395
Renewability Lifelong Renewability

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Disclaimer : Actual Premium might vary basis your location, age and number of members

HDFC ERGO Health Insurance Plan List

    Name of PlanSum Insured
    Optima SecureMin: 91 Days, Max: 65 Years Check Premium
    Optima RestoreMin: 91 Days, Max: 65 Years3 Lakh Check Premium
    Corona Kavach PolicyMin: 1 day ; Max: 65 years50,000 - 5 lakh Check Premium
    my: health SurakshaMin: 91 Days; Max: No Limit3 Lakh Check Premium
    Health Suraksha Top-Up Plus PolicyMin: 91 days; Max: 65 years3 Lakh - 10 Lakh Check Premium
    my:Health Women Suraksha PolicyMin: 18 years; Max: 45 years1 Lakh - 1 Crore Check Premium
    Dengue Care Policy Min: 91 Days; Max: 65 years50 Thousand - 1 Lakh Check Premium
    Easy Health PolicyMin: 91 days; Max: 65 years1 Lakh - 50 Lakh Check Premium
    my:Health Koti SurakshaMin: 18 years; Max: 65 years Check Premium
    Maxima PolicyMin: 91 Days; Max: 65 years Check Premium
    Day2Day Care PolicyMin: 91 Days; Max: 65 years Check Premium
    iCan CancerMin: 5 Years; Max: 65 Years5 Lakh Check Premium
    Health WalletMin: 91 Days; Max: 65 Years3 Lakh Check Premium
    EnergyMin: 18 Years, Max: 65 Years2 Lakh Check Premium
    Optima SeniorMin: 61 Years; Max: No Limit 2 Lakh Check Premium
    Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years1 Lakh - 5 Lakh Check Premium
    Critical Illness PlanMin: 5 Years; Max: 65 Years 5 Lakh Check Premium

    HDFC ERGO Health Policy Download

    Health insurance policy document is an important document that specifies all the information related to a health insurance policy purchased by the policyholder. This includes policy features, inclusions, exclusions, benefits, and so on. Simply put, a health insurance policy document is a contract between the insured and the insurance company that specifies all the terms and conditions of the health insurance policy purchased by the insured. A policy document can also be considered as a receipt for paying a premium for a particular health insurance policy.

    It is the right of the policyholder to get the policy document within 60 days of purchasing a health insurance policy. And as an informed policy buyer, you must go through it thoroughly and check for the following details it:

    • Policy type
    • Policy term
    • Policy number
    • Sum insured
    • Details of cumulative bonus
    • Inclusions and exclusions under the plan
    • Conditions to renew a health insurance policy
    • Name, age, and other information about the insured
    • Terms and conditions of the claim settlement
    • Terms and conditions for health insurance policy cancellation
    • Conditions related to health insurance portability
    • Details related to the about free-look period
    • Grievance redressal process

    Frequently Asked Questions (FAQs)

    1. How to Download HDFC Ergo Insurance Policy Online Using Policy Number?

    Downloading HDFC Ergo insurance policy documents online using policy number is quite simple. All you are required to do is follow the easy steps listed below:

    • Visit the official website of HDFC Ergo and visit the customer care page followed by the Email policy copy page.
    • Select policy number from all the three options (policy number, mobile number, and email ID) and enter your policy number of HDFC Ergo Insurance. Then click on ‘Go’.
    • You will then be able to see the policy details and can click on Download to get your HDFC Ergo insurance policy downloaded.

    Note that the policy copy will only be sent on the registered email ID.

    2. Do I Need a Hard Copy of HDFC Ergo Insurance Policy Document?

    Due to the spread of novel coronavirus, the insurance regulatory authority IRDAI has asked the insurance companies to make the process of buying health insurance plans entirely digital. And therefore, there is no requirement of getting a hard copy or a duplicate copy of your health insurance policy document anymore. Still, if you want it, then you can get a print out of the downloaded copy in the form of pdf or otherwise.

    3. How to Get a Hard Copy of HDFC Ergo Insurance Policy?

    When you buy a health insurance policy offered by HDFC Ergo, then the insurance company dispatches the hard copy of your health insurance policy document at the address provided by you. If you are unable to find that, then you can also download the policy document online in pdf format and take its printout. To get a hardcopy of your HDFC Ergo insurance policy, you can also visit the nearest HDFC Ergo branch and get in touch with the concerned person. He/she will help you get the policy document without any hassle.

    4. How Can I Make Changes In My HDFC Ergo Insurance Policy Document?

    Once you receive your health insurance policy document, you must read it thoroughly not only to understand the policy terms and conditions but also to check if there are any changes required. If there is any correction to be made, then you must get in touch with the customer care executives at HDFC Ergo General Insurance on the toll-free number 1800 2700 700. You can also make a request for a change in information online or even write to care@hdfcergo.com from the registered email ID.

    Also, in case of any doubt, you can contact the experts at InsuranceDekho on the toll-free number 1800-119-6989. They will assist you in the best way possible. We are available all seven days between 9:30 AM and 6:30 PM.

    HDFC Ergo General Insurance 80D Tax Certificate Download

    HDFC ERGO General Insurance offers various digital services to ensure a hassle free and seamless experience for its customers. One can also download a 80D Tax Certificate from the official website of HDFC ERGO General Insurance. It is advised to always keep the tax certificate for your health insurance policy handy, you may require it for claiming tax deductions under Section 80D of the Income Tax Act, 1961.

    You can follow the steps mentioned below to retrieve your tax certificate for the premiums for health insurance policy from HDFC ERGO General Insurance website:

    Step 1: Visit the official website of HDFC ERGO General Insurance and click on the ‘HELP’ option displayed on the homepage of the website.

    Step 2: You will be redirected to the ‘Self-Help’ page. You must select the ‘Manage My Policies’ option.

    Step 3: Enter your policy number/mobile number or email address. An OTP verification will be required in case you choose to login using your mobile number or email address.

    Step 4: Select the health insurance policy for which you want the tax certificate and you shall receive the tax certificate on your email address linked to your health insurance policy.

    Who Can Buy This Plan?

    Anyone can buy HDFC Ergo’s my: Health Medisure Super Top Up. While the minimum entry age is 18 years, the maximum entry age is 65 years. Even the children from 91 days to 23 years can be covered under this plan. Waiting Period Under the Plan The waiting period for pre-existing diseases is 3 years, and for any illness, except an injury is 30 days. However, certain specified diseases are covered after 24 months. Renewability of the Plan My: Health Medisure Super Top-Up policy offers lifelong renewability. Exclusions Under the Plan My: Health Medisure Super Top-Up policy does not cover the insured against the following healthcare expenses: Self-inflicted injuries Non-allopathic treatment Sexually transmitted diseases Participation in defense operations Treatment of obesity or cosmetic surgery
    Save Tax upto ₹75000*
    Under Section 80D

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

    HDFC ERGO Health Insurance Top Up List

      Name of PlanSum Insured
      my: Health Medisure Super Top-upMin: 3 Months; Max: 65 Years3 Lakh Check Premium
      Optima SuperMin: 91 Days; Max: 65 Years5 Lakh Check Premium

      Choose HDFC ERGO Critical Illness Plan

      HDFC ERGO Health Insurance User Reviews

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      What users are saying
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      • Price
      • Helpful
      • Network Hospitals
      • Claim
      • Renew
      • Premium
      • Top up
      • Critical Illness
      • I've had the HDFC ERGO Health Insurance Plan from InsuarnceDekho for quite some time now, and it has been a li...

        Read More
        A
        HDFC ERGO
        By Avni Dutt
        On: Jun 01, 2023
      • Managing my health insurance has never been easier thanks to InsuarnceDekho’s user-friendly mobile app. ...

        Read More
        A
        HDFC ERGO
        By Amayra Kashyap
        On: May 31, 2023
      • The extensive network of hospitals associated with the HDFC ERGO Health Insurance Plan is impressive. It offer...

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        D
        HDFC ERGO
        By Deepshika Narang
        On: May 30, 2023
      • I recently had to file a claim for my HDFC ERGO Health Insurance Plan and I was pleasantly surprised at how fa...

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        S
        HDFC ERGO
        By Suman Patil
        On: May 29, 2023
      • The HDFC ERGO Health Insurance Plan that I bought from the InsuarnceDekho has provided me with an extensive ne...

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        A
        HDFC ERGO
        By Altaf Mirza
        On: May 26, 2023
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      Why to Buy Health Insurance Policy Online from InsuranceDekho

      • Tax benefit upto 75,000*
      • Claim support everyday 10AM-7PM
      • 50 Lacs+ happy customers

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      HDFC ERGO Health Insurance Contact Details

      Reach us for help anytime

      Claim Process at HDFC ERGO Health Insurance

      • Network Hospital
      • Non-Network Hospital
      • 1

        Claim Assistance

        For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
      • 2

        Claim Intimation

        Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
      • 3

        Claim Processing

        Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
      • 4

        Claim Settlement

        Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
      • 1

        Claim Assistance

        For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
      • 2

        Claim Intimation

        Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
      • 3

        Claim Processing

        Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
      • 4

        Claim Settlement

        Once your request for reimbursement of expenses is approved, the claim will be settled.

      3624 HDFC ERGO Cashless Network Hospitals in India

      Insurance Products by HDFC ERGO General Insurance

      Network Hospital in Popular Cities

      CityNo of Hospital
      Hyderabad416
      New Delhi446
      Jaipur174
      Mumbai281
      Gurgaon100
      Lucknow114
      Chennai298
      View All