HDFC ERGO Health Insurance 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.

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