During this free look period, you have the option of canceling your policy without penalty if you feel your policy is not beneficial. It is a simple no-fuss health insurance plan that gives all basic coverage at a premium that is pocket friendly. my:health Suraksha - HDFHLIP20049V041920, my:health Medisure Super Top Up Insurance: LTGHLIP15001V021415, Critical Illness Insurance: HDFHLIP10002V010910, my:health Women Suraksha: HDFHLIP19025V011920, Optima Restore UIN HDHHLIP21322V062021, ENERGY UIN HDHHLIP21345V042021, Health Wallet UIN HDHHLIP21337V022021, iCan UIN HDHHLIP21321V022021. Get instant policing servicing on WhatsApp - 7304524888. If you have not renewed your policy within the grace period then there are high chances that your policy may lapse. Buy health insurance policy online! Here are some of our other insurance policies that we think are good fit for you. HDFC ERGO General Insurance Company Limited. Our health insurance plan does not cover accidental injury while you are participating in defence (Army/Navy/Air Force) operations. Stay Safe ! Just like you pay EMIs, credit card bills, invest in mutual funds or pay premium for life insurance plans to ensure a sound financial planning, similarly you need to buy a health insurance to secure your savings in the longer run. Even though your employer covers you, the freedom to customize it as per your growing need does not remain in your hands; additionally, if you ever quit your job then your health insurance cover ends. H stands for Homeopathy; this treatment is quite popular and is widely trusted upon. This type of health insurance plan pays for your actual medical expenses on both cashless as well as reimbursement basis upto the sum insured. We also cover newborn babies but the parent needs to have a mediclaim insurance policy with us. He highly recommends buying a comprehensive high sum insured health cover for family especially during the pandemic, when securing medical expenses is a must. Hence, get yourself covered under our comprehensive health cover for employees and leave aside financial worries arising due to medical expenses. Will this particular medical insurance plan require some medical tests? Visit www.hdfcergo.com for your nearest network hospital. Hence, it is important to have a good health insurance plan that caters to rising medical expenses. Your health insurance plan does not come into action while you are waiting period is not completed. Our health insurance plans offer multifaceted benefits ranging from cashless settlement or reimbursement of hefty hospital bills and lifetime renewability to quick and easy claim settlements. for securing 15 major critical illnesses, which include stroke, cancer, kidney-liver failure, and many more. Adventures can give you an adrenaline rush, but when coupled with accidents, it can be hazardous. We have a huge network of 10,000+ cashless network hospitals. By getting yourself a health insurance plan, you can get a deduction of up to ₹ 25,000 per budgetary year for medical insurance premium under Section 80D of Income Tax Act 1961. Subject to satisfactory submission of all relevant documents and information(s) to the Company. 1 Lakh subject to a max of Rs. Trade Logo displayed above belongs to HDFC Ltd and ERGO International AG and used by the Company under license. It means, instead of ₹ 5 Lakh, your sum insured would now stand at ₹ 7.5 Lakh for the second year. There is a possibility that your pre-authorization request for cashless claim may get rejected if you have filed a claim for an ailment/disease which is either permanently excludes, falls in waiting period or if your sum insured has exhausted. Yes. As the name goes, a top-up health insurance plan acts as an enhancement to your existing health insurance. Go Digital! You can renew health insurance policies within a few minute. Includes almost all women-related ailments. The HDFC Ergo Claim Process for Car Insurance, Health Insurance, Travel Insurance, Two Wheeler Insurance, Home Insurance is explained below. Cashless hospitalization available only in HDFC ERGO network hospitals. It means all your pre-hospitalization expenses upto 60 days of admission and post-discharge expenses till 180 days get covered, like the costs for diagnostics, consultations, etc. Yes. *Based on the data from 1st of October 2019 to 31st of May 2020, the average time taken for approval of our cashless health claims is less than 20 minutes. It should be adequate to cover more than one hospitalisation that may happen in a year. It will help you save tax as well.In future, you can add your spouse and child to this plan as well. Always choose a health insurance company which has a large network hospital tie-up like HDFC ERGO has 10,000+ cashless hospital network. To know about cashless hospitals you can visit our website or call us. We help you cover the medical expenses so that you focus only on recovering. Here's presenting "TeleClinic" - a virtual doctor consultation service on the HDFC ERGO Insurance App ! Probability of having a pre-existing illness is low hence waiting periods may also not impact you. Simply click on the “Calculate My Health Insurance Premium” and generate health insurance premium effortlessly. Please read the policy wordings, brochure and prospectus to know more about our health insurance plans. Optima Restore is one of the most recommended Indemnity health insurance plans offered by HDFC ERGO. Health Insurance Portability means an option to switch from your existing insurance company to another without losing continuity benefits. Not really, however having a high cover health insurance like Koti Suraksha by HDFC ERGO ( 1 crore health plan) helps you tackle all the possible medical expenses. Trade Logo displayed above belongs to HDFC LTD and ERGO International AG and used by HDFC ERGO General Insurance Company under license. Then, why leave their health unprotected? So, why risk your health cover with an employer, when you can easily get one for yourself. HDFC ERGO is very week in insurance policy so I would write a review for this. Just like Ayurveda, Siddha is also one of the oldest medical systems in India. With the development in technology, treatments and the availability of more effective medicines the cost of healthcare has steeply increased. Yes. We understand that you are deeply concerned about your parent’s growing age and willing to cover them. Continue even after a minor illness claim is paid. Always choose a health insurance company which has a large network hospital tie-up like HDFC ERGO has 10,000+ cashless hospital network. If the nearest hospital or medical facility is listed by the insurance company it will help you avail cashless treatment. CIN: U66030MH2007PLC177117. Now you can avail consultation from doctors and specialists at your fingertips absolutely free! These naturally designed therapies help you heal more easily with low side effects and better absorption by the body. Always check health insurance policies with lower waiting periods for pre-existing ailments and maternity benefits before buying a health insurance plan online. In future, you may feel that certain coverage is important but your policy doesn’t cover it. A single critical illness is enough to put a pause to your life be it due to the long treatment course or the financial requirements. You also get covered for hospital room rent, bed charges, nursing charges, medicines and doctor visits. Get a free health check-up within 60 days of renewing your policy with us. Higher health cover at pocket-friendly premiums. We offer range of general insurance plans in India including motor, health, travel & home. It’s your turn to take utmost care of their health by securing their growing medical expenses. However, you must know that employer health insurance covers you only during your job tenure. Let your belief in alternate therapies like Ayurveda, Unani, Siddha, and Homeopathy stay intact as we cover hospitalization expenses for AYUSH treatment as well. You also need to tell us a few details of expiring policy like Sum Insured, members covered, your first policy inception date, etc. You can raise either a cashless claim request by contacting the insurance department at the network hospital or inform your insurer post discharge about the hospitalization and send invoices to avail reimbursement benefits. I am aware that HDFC ERGO has a mobile app that you can download. Ravi has over 22 years of experience in the industry. All this increase ends up being a burden for the consumers, making healthcare unaffordable for many. Hence, insurance companies looks at such insured as high risk and the premium is a bit high for such individuals. This helps you avail higher sum insured without paying extra. It is important to understand that you need a higher sum insured if you reside in a metro city where medical treatment expenses are high. are mandatory. I am having 5 Policies with HDFC ERGO through HDFC Bank Credit Card as under detailed : Sl. Waiting period is fixed at the inception of the policy it is not dependant on the sum insured. With Apollo Munich HealthJinn you can: • Access your Policy Details Now manage your policy, download your policy schedule and access to your e-card will always be at your fingertips, 24 x 7. My employer is taking care of my health insurance I do not need one. Ayurveda holds its origin from the past 5,000 years;Ayurvedic treatments involve a fine blend of spirituality, wellbeing, and nature. It’s that phase of life when you must leave aside worries and stay worry free. Yes, you can save upto ₹ 75,000 with HDFC ERGO Health Insurance plans. CIN : U66030MH2007PLC177117. For Claim/Policy related queries call us at +91 22 6234 6234/+91 120 6234 6234 or Visit Help Section on www.hdfcergo.com for policy copy/tax certificate/make changes/register & track claim. Yes. Reg office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. Here's presenting "TeleClinic" - a virtual doctor consultation service on the HDFC ERGO Insurance App ! Stay Safe ! It is advisable to reconfirm the same with your tax consultant. What coverage should it have? The coronavirus pandemic will reshape health-care spending, even though its full impact on the sector isn’t yet known, the Department of Health and Human Services said in a report that found health-care spending increased at a relatively slow pace in 2019 due to greater hospital care and drug expenditures. You need to intimate us at least 30 days before the previous year’s policy expiry date that you wish to port your health insurance plan. Intimate HDFC ERGO Health within 14 days of diagnosis of first occurrence of critical illness. Health Insurance is a medical coverage that helps you meet your medical expenses by offering financial assistance. It helps to take care of other expenses during your hospitalization. For all those confident and self-reliant women. We believe mental healthcare is just as important as hospitalization due to physical illness or injury; hence, we cover hospitalization expenses incurred for treating mental illnesses. 50,000/- (PAN Card Copy mandatory for Rs. Later, if you have any disease your policy covers you seamlessly. This helps you register more claims. I... Read More. Get access to your policy documents, brochure etc in our my:health services mobile application. If you have not made claims then you get a cumulative bonus, which is increase in sum insured without paying for the same. Submit Update. S stands for Siddha; it is a term that means “one who is accomplished”. This is independent of your health insurance premium value. Introduced by the Arabs and Persians, around the eleventh century, Unani is one of the most crucial alternative therapies in India. Yes. HDFC ERGO Health Insurance Plan Covers Ayurveda & Other Treatments About AYUSH Benefits. Customer Service number:022-6234 6234 / 0120-6234 6234, www.hdfcergo.com Trade Logo displayed above belongs to HDFC LTD and ERGO International AG and used by HDFC ERGO General Insurance Company Limited under license. We want to help you stay financially protected from all kinds of risks. I will recommend my friends and family members, yours service is to good and prompt, customer supporting is very good. However, there is a lot more beyond saving taxes. Usually your medical expenses depend upon your room type and disease. It is a free tool that uses several factors to calculate the premium for health insurance plans for parents, including sum insured, policy term, add-on cover(s), members covered under the policy, pre-existing illnesses, etc. Usually there is a waiting period for specific ailment/diseases which could be for 2-4 years. This is where HDFC ERGO’s health insurance policies come into play, as they take care of the hospitalization and treatment charges, leaving the consumer free of financial woes. It is recommended to buy a health insurance plan that does not have sub-limits on hospital room rent so that you can choose the hospital room as per your comfort. You can add or remove optional/add on cover at the time of renewal. It was activated for a year. Service Points: You can make cashless claims across more than 10,000+ network hospitals in India. I am glad that you have processed our claim as per the request of our mail.Thank you for considering our mail and responding to it. These questions pop-up quite frequently, however, these days when you try buying a health insurance plan online, in a snap you can check your eligibility before buying a particular health insurance plan in India. At HDFC ERGO, we have gone a step ahead to offer you a Super-top up plan that strengthens your existing health cover. Therefore, you always hold double protection although you pay only for a single sum insured. Lastly, looking at the pandemic situation it’s not wrong to say that any one at any point of time may need hospitalisation if not due to ailment may be due to an accidental injury; hence it’s important to stay prepared. In simple words, it helps you know if your insurer has a strong financial capability to pay for claims. We cover you for that as well. Our health insurance plans are designed keeping in mind the growing medical needs and rising inflation. Homeopathy is holistic because it treats the person as a whole, rather than focusing on a diseased part or a labelled sickness. Organ donation is a noble cause and we cover the medical and surgical expenses of the organ donor while harvesting a major organ from the donor’s body. Enter your HDFC ERGO insurance policy number and renew all your insurance policies: health, motor, car, travel home insurance. Simply use your credit/debit card or net banking services to make payments online through multiple secured payment modes. This is where HDFC ERGO’s health insurance policies come into play, as they take care of the hospitalization and treatment charges, leaving the consumer free of financial woes. IRDAI Registration Number : 146 (Registration type: General Insurance Company). For reimbursement claims you need to intimate the insurance company within a period of 30 days post discharge. Special top-ups are also offered to enhance the base health insurance plans. We send the approved claim amount to your bank account. Use HDFC ERGO Corporate HR user id and password to sign in : Intermediary Login: Select login type as 'Intermediary' Use HDFC ERGO Corporate Intermediary user id and password to sign in : Employee Login: Select login type as 'Employee' Use HDFC ERGO card number and password to sign in : Hospital Login: These naturally designed therapies help you heal more easily … You could also buy my:health Suraksha health insurance that offers instalment payment facility on monthly, half yearly, quarterly and annual basis. No entry age restriction. If you stay in a hospital for more than 10 days at a stretch, then we pay for other financial losses that might have happened due to your absence at home. Terms and Conditions Applied. You do not have to worry if your policy has got lapsed during hospitalization as you get a grace period of 30 days post expiry, however if you do not renew your policy within the grace period and hospitalization happens post grace period then you policy lapses and you will have to pay for the medical expenses. Yes. This affordable health insurance plan will offer you a large coverage. If you do not make any claim, your sum insured is increased by 10% as a bonus or reward upto a maximum of 100%. The Siddha system is based on a combination of ancient medicinal practices and spiritual disciplines as well as alchemy and mysticism. Simply Download the HDFC ERGO mobile app from your App Store or Google Play Store. When the Insured Person is in such a state that he/she cannot be moved to a hospital or the treatment is taken at home due to non-availability of room in the hospital is termed as Domiciliary Hospitalization. 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