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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 ?

You
Couple
Family
Father
Mother

Select the age of all members

  • You

Where do you live ?

Choose required Coverage for yourself?

5 Lac
10 Lac
25 Lac
Disclaimer : Actual Premium might vary basis your location, age and number of members

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

    9552

    Starting From 1,391/month*

  • Cover

    5 Lakh

    Cashless Hospital

    9552

    Starting From 1,312/month*

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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 ?

Metro
Non-Metro
Disclaimer : Actual Coverage might vary basis your location, age and number of members
Tax Save
Save Tax upto ₹75000*
Under Section 80D

*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 PlanSum Insured
Optima SecureMin: 91 Days, Max: 65 Years Check Premium
Optima RestoreMin: 91 Days, Max: 65 Years3 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
Corona Kavach PolicyMin: 1 day ; Max: 65 years50,000 - 5 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

Health Insurance News

HDFC ERGO Health Insurance User Reviews

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What users are saying
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  • Network Hospitals
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  • I've had the pleasure of interacting with InsuranceDekho's customer care team, and they're top-notch. They gui...

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    P
    HDFC ERGO
    By Pooja Sharma
    On: Mar 14, 2024
  • Renewing my HDFC ERGO Health Insurance Plan with InsuranceDekho is a straightforward process. They send timely...

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    V
    HDFC ERGO
    By Varsha Nagpal
    On: Mar 13, 2024
  • A list of good health insurance plans may be found on the InsuranceDekho website. I chose the HDFC ERGO Health...

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    A
    HDFC ERGO
    By Ananya Sharma
    On: Mar 04, 2024
  • InsuranceDekho is an amazing platform for buying health insurance plans. The customer team was very helpful, t...

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    S
    HDFC ERGO
    By Sumit kumar
    On: Jan 25, 2024
  • I am very grateful to the InsuranceDekho team for providing and helping me with the HDFC health insurance poli...

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    D
    HDFC ERGO
    By Dayanand Sharma
    On: Dec 04, 2023

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