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HDFC Ergo Health Insurance: Claim and Renewal Process

Updated On Dec 08, 2021

A health insurance policy is a must for everyone. It is crucial to avoid hassle at the hour of need and have smooth access to healthcare facilities. However, simply investing in a health insurance policy is not enough. There are certain steps that need to be undertaken to use the policy to the best of its abilities. 

HDFC Ergo Health Insurance: Claim and Renewal Process

Claim Process at HDFC Ergo Health Insurance

In case you need financial assistance from your health insurance policy, you need to file a claim against it. A timely claim against the proper benefits will help you access the necessary healthcare as needed. This is why it is important to know the intricacies of the process.

Must Read: HDFC Ergo Health Insurance Plans for Individuals

Types of Claims and How to File Them

The following are the two types of claims that are available under HDFC Ergo, as with most health insurance policies.

1. Cashless Claims

When making this type of claim, the policyholder does not have to pay their expenses as it is directly paid by the insurance company. The patient, after being admitted at the network hospital of the policy, will have to intimate the hospital about their insurance. The hospital, in turn, directly contacts the insurance provider for the expenses. In this way, a direct and seamless transaction takes place, without the interference of the policyholder who can rest at ease. In such a claim, you can inform your insurance provider before hospitalization or during admission.

2. Reimbursement Claims

HDFC Ergo has a large number of network hospitals spread all over the country. Nevertheless, it can sometimes be inconvenient to access such a hospital. However, even if you have to avail of the facilities at a non-network hospital, fret not. Once the hospitalization period is over, you can simply submit the receipts of all the expenses to your insurance provider, who will then reimburse you appropriately, according to your health insurance policy. It is important to preserve your receipts, especially in accordance with the covers you have, so that you can get your claims.

Renewal Process at HDFC ERGO Health Insurance Policy

All health insurance policies have a certain period of validity, that is the policy period. Once this period comes to an end, the policy has to be renewed for a new policy period. This is the renewal process. HDFC Ergo health insurance policy has one of the easiest renewal processes. It is completely hassle-free and online. After or nearing the end of the policy period, policyholders simply have to go to the official website, enter their policy number, login and pay the appropriate premium for the upcoming financial year. It is usually renewed on an annual basis for an annual plan. There are several benefits to renewing the policy and continuing with the same health insurance such as continued benefits, lack of hassle due to the renewed inspection process, financial stability and more. You might even get bonuses on renewing your policy.


A health insurance policy is one of the most prized assets that one can own in today's world. Nevertheless, you must always stay alert of your policy and the facilities it provides. This way, you can make the most out of the policy at the right time and with benefits. Timely claims and renewal of the existing policy help in saving expenses as well. 

Also Read: 10 Benefits of Health Insurance Riders

 Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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