HDFC ERGO Health Insurance Renewal
Health insurance policy renewal refers to the process of extending or continuing an existing health insurance policy for another term after its initial coverage period has expired. Health insurance policies generally have a set time, usually a year, after which they must be renewed to continue providing coverage.
During the renewal process, policyholders have the option to review and update their coverage, such as adjusting the sum insured, adding or removing family members, etc. Even the insurance companies can modify premiums based on certain factors.
Policyholders must renew their health insurance on time to avoid a lapse in coverage because a lapse could result in the loss of benefits and coverage continuity.
Health Insurance Calculator
Whom do you want the insurance for ?
Select the age of all members
- You
Where do you live ?
Choose required Coverage for yourself?
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*
Factors Affecting HDFC ERGO Health Insurance Renewal Premium
Listed below are the top factors affecting your renewal premium:
- Age: The policyholder's age significantly influences the renewal premium. Generally, as you grow older, the chances of higher renewal premiums increase.
- Inflation Impact: The inflation impact in the industry can contribute to an increase in the renewal premium. In other words, the renewal premium of HDFC ERGO health insurance might be adjusted by the company to match the rising costs in the healthcare industry.
- Policy Changes: Any changes in your HDFC ERGO health insurance policy can lead to an increase in the amount you pay during policy renewal.
- Claim History: Your history of filing health insurance claims, especially for substantial medical expenses, can impact the cost of renewing your HDFC ERGO health insurance. Frequent claims can result in a higher renewal premium.
Health Insurance Coverage Calculator
Who do you want to insured ?
- Individual
- Couple
- Family
- Parents
Age of eldest insured member ?
Where do you live ?
*Tax benefits are subject to changes in Income Tax Act.
HDFC ERGO Health Insurance Plan List
- Family (3)
- Individual (4)
- Cancer (1)
- Critical Illness (2)
- Diabetes (1)
- Parents (1)
- Senior Citizen (1)
Name of Plan | Sum Insured | |
Optima SecureMin: 91 Days, Max: 65 Years | Check Premium | |
Optima RestoreMin: 91 Days, Max: 65 Years | 3 Lakh | Check Premium |
my: health SurakshaMin: 91 Days; Max: No Limit | 3 Lakh | Check Premium |
Health Suraksha Top-Up Plus PolicyMin: 91 days; Max: 65 years | 3 Lakh - 10 Lakh | Check Premium |
my:Health Women Suraksha PolicyMin: 18 years; Max: 45 years | 1 Lakh - 1 Crore | Check Premium |
Dengue Care Policy Min: 91 Days; Max: 65 years | 50 Thousand - 1 Lakh | Check Premium |
Easy Health PolicyMin: 91 days; Max: 65 years | 1 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 Years | 5 Lakh | Check Premium |
Health WalletMin: 91 Days; Max: 65 Years | 3 Lakh | Check Premium |
EnergyMin: 18 Years, Max: 65 Years | 2 Lakh | Check Premium |
Optima SeniorMin: 61 Years; Max: No Limit | 2 Lakh | Check Premium |
Corona Kavach PolicyMin: 1 day ; Max: 65 years | 50,000 - 5 lakh | Check Premium |
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years | 1 Lakh - 5 Lakh | Check Premium |
Critical Illness PlanMin: 5 Years; Max: 65 Years | 5 Lakh | Check Premium |