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Why Should I Invest in HDFC ERGO Health Insurance?

Published On Mar 18, 2022 12:00 PM By InsuranceDekho

In the event of a range of health concerns, a health insurance plan can help you preserve financial stability. This is because it gives your insurance company the legal authority to assist you financially in a range of health-related scenarios. In order to gain the benefits of your health insurance plan, you must first understand it.

Why Should I Invest in HDFC ERGO Health Insurance?

HDFC ERGO Health Insurance Plan

In the general insurance industry, HDFC Ergo General Insurance Company is a household name. HDFC Limited and ERGO International AG have formed a joint venture to form the company. While HDFC Limited is India's largest financial services company, the Munich Re Group's major insurance company is ERGO International AG. HDFC Ergo provides a wide range of general insurance solutions to fulfill the insurance needs of both people and businesses. HDFC Ergo offers a variety of insurance options, including car insurance, travel insurance, fire insurance, commercial insurance, and health insurance. All of the company's policies offer a wide range of coverage at affordable costs.

Types Of HDFC ERGO Health Insurance Plan

HDFC ERGO My Health Suraksha Plan

It is a comprehensive health insurance plan that may be purchased individually or as a floater. Inpatient hospitalization, pre-hospitalization, post-hospitalization, day care operations, domiciliary treatment, organ donation, emergency ambulance, AYUSH therapies, and health check-ups are all covered under this plan. The policy is offered in one-year and two-year terms, and it can be renewed indefinitely. Furthermore, if you do not make a claim during the policy time, you will receive a cumulative bonus.

HDFC ERGO Critical Illness Insurance Plan

It is a critical disease health insurance plan that covers up to 15 critical illnesses such as heart attack, stroke, cancer, paralysis, and kidney failure, as the name implies. There are two versions of this plan. This plan does not require any medical exams until you are 45 years old, and it can be renewed indefinitely.

Super Top-Up Plan for HDFC ERGO My Health Medisure

This ensures that you have additional coverage in the event that your existing plan does not cover all of your medical costs. This plan assists you in receiving the greatest medical treatment by addressing the constraints of your existing plan's sum insured. Inpatient hospitalization, pre-hospitalization, post-hospitalization, and day care operations are all covered under the HDFC Ergo Medisure Super Top-up Plan.

HDFC ERGO My Health Women Suraksha Plan

Women Cancer Plus Plan, Women CI Essential Plan, and Women CI Comprehensive Plan are the three options offered for this plan. Cancer, serious illnesses, preventive health-checkups, wellness and health coaching, surgical procedures, and cardiac disorders and treatments are all covered under the HDFC Ergo My Health Women Suraksha Plan. Pregnancy and infant problems are also covered, up to a maximum of Rs. 5 lakh, at a rate of 25% of the money insured. A unique aspect of the plan is the loss of job benefits, which are available for up to 6 months at 50% of monthly wage.

HDFC ERGO My Health Medisure's Standard Insurance Plan

Inpatient hospitalization, pre-hospitalization, and post-hospitalization expenses are all covered under this plan. Day care treatments, maternity coverage, newborn infant coverage, ayurvedic therapy, and pre-existing condition coverage after three years are also included in the plan. This plan has no entrance age restrictions and provides complete coverage for your children up to the age of 23.

Why Should You Choose HDFC ERGO Health Insurance?

Brand Reputation : Millions of Indians rely on HDFC ERGO. They have a customer base of more than 75 lakhs, and ICRA has given the brand an iAAA' grade, indicating its best claim-paying ability.

All Time Support : HDFC ERGO offers 24-hour customer service and a completely hassle-free experience.

Vast Network : HDFC ERGO has a large network of hospitals, with over 10,000 throughout India.

Multiple Plans : You have a variety of options to choose from. Each strategy is highly adaptable.

Take Away

In terms of claim settlement ratio, HDFC ERGO has a very good track record. That is reassuring news for their potential customers. In terms of pricing, their products fare well when compared to those of their competitors. HDFC ERGO health insurance passes with flying colors when it comes to deductions and room rent limits. They are acceptable in terms of waiting periods, but their no-claim incentive structure is not the most attractive; they pay a 5% bonus for each year without a claim, with a maximum bonus of 50%.

Also Read: Period Of Survival In Health Insurance

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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