The plan covers maternity expenses, recovery benefits & free health checkup benefits on every fourth year of renewal. The cost of such treatments along with the travel expenses become a big concern for us. There will be a 30-days grace period within which you will have to make the payment & renew your HDFC ERGO Health Insurance policy . The amount is 50% of the daily cash amount. Trade Logo displayed above belongs to HDFC Ltd and ERGO International AG and used by the Company under license. • At the end of the policy period, the policy shall terminate and can be renewed within the Grace Period of 30 days to maintain continuity of benefits without break in policy. The plan offers unique features like the Restore benefit under which the sum insured is automatically restored if it’s exhausted during the policy term. Apollo Munich Health insurance Company has provided Online Renewal process in order to save the customer’s valuable time. The Critical Advantage Rider has two variants – $2.5 lakh (nearly Rs 1.5 crore) and $5 lakh (about Rs 3 crore). Apollo Munich Renewal process through Online is available for Individuals, Provider, Sales Partner, Corporate, Corporate Employee, Broker or Corporate Agency. The same goes under the cashless benefit. What is Waiting Period in Apollo Munich Health Wallet Health Insurance Plan? *All savings provided by insurers as per IRDAI approved insurance plan. The premium to be paid for their Easy Health Standard health insurance plans comes to Rs.11, 830. Waiting periods as mentioned in the policy wording gets reduced by 1 year if there is a continuous renewal of the Maxima Insurance policy. On renewal, the policy holder can shift from other company’s health insurance to Apollo Munich. Accidental ICU Cash is provided in which twice the daily amount is paid for each continuous and completed period of 24 hours if the insured person is hospitalized for more than 24 hours, due to an accident. Convalescence cash is provided in the form of a lump sum amount if the insured person is hospitalized for more than 7 continuous days. 12 months for diseases like hernia, joint replacement, cataract etc. Health Insurance Portability – All you need to Know. Lifelong renewal makes this policy a preferred one. Antony Jacob, Chief Executive Officer, HDFC ERGO Health Insurance , says that the company in collaboration with Axis Bank is going to design custom-tailored health insurance plans for the existing as well as prospective customers of the bank, based on their requirements. B is 32 years old and his wife is 30 years old. HDFC ERGO is a 51:49 joint venture between HDFC Ltd and ERGO, which is the primary insurance entity of the Munich Re Group of Germany. 2000 are covered, Expenses incurred for the treatment of the organ donor during transplantation are covered, A lump sum amount is provided if the person opts to stay in a shared accommodation while being hospitalized, Automatic restoration of the basic sum insured if the customers’ basic insured is exhausted during the course of the year. HDFC ERGO Health Insurance has bagged a couple of awards in the past years. The HDFC ERGO Health Insurance Company enables you to calculate the premium payable for different health insurance plans from the company. Get Energy – Diabetes Health Insurance Plan from HDFC ERGO - A plan for diabetes and hypertension that won’t keep you waiting even for 1 day. You may lose all the advantages, which accrued during the preceding policy. He is 30 years old and the annual premium comes out to be Rs. Blog post currently doesn't have any comments. This is on the condition that the insured person had enrolled under the policy before the age of 50 years and has renewed the plan continuously without a break, This plan has coverage of up to for the self, spouse, and two dependent children, Pre and post hospitalization expenses are covered. This reserve benefit keeps on increasing year after year. Points to Consider. Grace Period of 30 days for renewal. This plan also offers coverage to an individual already insured under a group medical plan, which is further convertible into a normal health policy upon retirement. Claims Settled from Inception till June 2017. HDFC ERGO Health Wallet Renewal Process (formerly known as Apollo Munich Health Wallet Renewal) Health wallet policy comes with lifelong renewal feature which means there is no maximum cover ceasing age. The HDFC ERGO Optima Plus Health Insurance Plan is a top up health insurance policy that covers higher hospitalization expenses at a nominal premium. Health Insurance Plans at a glance: 1) Easy Health Individual Plan: Renewal Conditions ... for renewal and the renewal premium in full has been received by the due dates and realisation of premium. Health insurance coverage to children is offered right from the fourth month if any of the parents is already covered, Expenses incurred before and after hospitalization covered for 60 and 90 days, respectively, There is a waiver of Deductible Benefit in which enables the customer to convert this plan to a fully-fledged Indemnity Health Plan with no medicals or underwriting required, only at Apollo Munich health insurance renewal between 55 to 60 years. Coverage to children is offered right from the fourth month if any of the parents is already covered, This plan has coverage of up to for the self, spouse, dependent children and dependent parents or parents-in-law, Lump sum payment for 37 critical illnesses, Sum insured amount ranges from Rs. 101,First,Inizio,Cardinal Gracious Road, Chakala, Oppposite P & G Plaza, Andheri (East), Mumbai Mumbai City MH 400069 IN, HDFC ERGO Health Insurance Ltd. (formerly Apollo Munich Health Insurance) iLABS Centere, 2nd & 3rd Floor, Plot No 404-405, Udyog Vihar, Phase-III, Gurugram, Haryana 122016, For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale. 100,000 and a maximum of Rs. Renewing Health Insurance policy? Coverage is not available during the grace period. 404-405, Udyog Vihar, Phase-III, Gurgaon-122016, Haryana Corp. Off. The Health Wallet Individual Insurance policy by HDFC ERGO Health has some add-on benefits such as restore benefit, which reinstate the basic sum assured if the policyholder exhaust it in the term of the policy and multiplier benefit that rewards him/her for each claim free year automatically. The CEO at HDFC ERGO Health Insurance , Antony Jacob stated we obviously look for the best treatment for our loved ones. 7,404 for the said coverage. There is a Shared Accommodation Benefit if the insured person opts for a shared accommodation in a network hospital. And if you fail to make the payment then your insurer can deny your renewal request even if you want to make the payment. The sum insured is available in both individual and family floater basis. Health insurance plans offered by the HDFC ERGO Health Insurance can be applied to through multiple channels like: Farhan Akhtar, its brand ambassador, is starring in a TVC series. HDFC ERGO Health provides a vast array of health insurance plans that caters to individuals, families, senior citizens, and corporate houses as well. Initially it would look like “6000013840” and a number is added to it every year at the time of renewal, ... HDFC ERGO Health Insurance Ltd., IRDA Registration No. Insurance is the subject matter of solicitation.Visitors are hereby informed that their information submitted on the website may be shared with insurers. This is on the condition that the insured person had enrolled under the policy before the age of 50 years and has renewed the plan continuously without a break, This plan has coverage of up to for the self, spouse, dependent children and dependent parents. • Grace period of 30 days for renewing the policy is provided. A wants to apply for an Optima Restore Individual policy for himself for a value of Rs. Apollo Munich Easy Health Insurance plan is a basic health insurance plan which can be taken as an Individual or as a Family floater ie., for the entire family. One can pay premiums for 2 years and get discount of 7.5% on the total premium. Renewal of health insurance plan from HDFC ERGO General Insurance Company Ltd is as important as purchasing it. Pre: up to 30 days; Post: up to 60 days (can be increased to 60 and 90 days respectively, HDFC ERGO Health Optima Super - Aggregate Top-up plan, 5 years (newborn: 91 days subject to a parent getting insured, HDFC ERGO Health Optima Vital - The critical illness plan, Rs. Critical Advantage rider offers you cashless cover with no co-pay clause to go abroad for the treatment. Pre and post hospitalisation expenses are included in coverage. 50 Lakhs, Medical expenses in case of hospitalisation are covered, Expenses incurred before and after treatment at hospitals, covered for 60 and 90 days, respectively, Expenses incurred for the treatment of the organ donor during organ transplantation are covered, Expenses incurred for inpatient treatment under Unani, Ayurveda, Homeopathy, and Sidha are covered, as per AYUSH Benefit, After four claim-free years, a free comprehensive health check up is provided. With this campaign, HDFC ERGO Health intends to highlight the benefits of its health plan that caters to the current insurance needs of the insurance buyers. Use the restore sum insured to pay your future claims. January 2020 saw the completion of the acquisition process of 51.25 percent shares of Apollo Munich Health Insurance. It has even been awarded the title of ‘Health Insurance Company of the year’. The sum assured for the critical illness ranges between 50 % and 100% of sum assured, which is subject to minimum 100,000 and a maximum of Rs. Medical expenses in case of hospitalization are covered, Daycare procedures are included in coverage that do not require 24 hours hospitalization, Domiciliary treatment is included in coverage where the treatment is undertaken at home, There is a waiver of Deductible Benefit, which enables the customer to convert this plan to a comprehensive Indemnity Health Insurance Plan with no medicals or underwriting required, only at HDFC ERGO Health Insurance (formally known as Apollo Munich Health Insurance) renewal between 58 to 60 years. For instance, if your mediclaim policy renewal premium is due on January 01, 2020, and your grace period is till 31 st January to pay your premium. Apollo Munich Health Insurance, founded on 8th August 2007 as a joint venture between Apollo Hospitals Group and Munich Health, has become HDFC ERGO Health Insurance. However, the transaction is projected to close by the end of the second quarter of 2016 as regulatory approvals are yet pending on the deal. Similarly, it is suggested that one should get their health insurance renewal 10/15 days before the due day. Daycare procedure cash is provided if the insured undergoes any of the 10 identified daycare procedures that do not require 24 hours hospitalisation. Last year you had covered yourself and family with a total health cover, how about continuing the trend and renewing policies online instantly to enjoy continuity benefits. 1000, Rs. This campaign is conceptualized by Cheil and it will be aired across traditional mediums such as television, radio, and outdoor, as well as, the new media instruments such as Youtube, Twitter, Facebook, etc. While renewing, you can also opt for different health policy, add and remove dependents, can change the sum assured, remove or attach rider policy, and change the term of the policy. All Rights Reserved.. Best health plan for you and your family. Sickness Hospital cash is provided in which a daily cash amount is paid for each continuous and completed period of 24 hours if the insured person is hospitalized for more than 24 hours, due to sickness. The company has started its services with the thought of “Let’s Uncomplicate” to offer comprehensive health insurance plans for individuals, senior citizens, families and … Q3: What types of medical expenses are covered by HDFC ERGO Health Insurance ? Moreover, it covers joint accidental hospitalization expenses for two or more insured members. Outpatient consultations by a general medical practitioner for the treatment of dengue will be covered, Diagnostic tests taken for the detection of dengue will be covered, Medicines that are prescribed for the treatment of dengue will be covered, If necessary medical treatment is undertaken at home by the empanelled medical practitioner, those medical expenses will be covered. If any second opinion is required, the rider covers that too. Grace Period for Policy Renewal: 15 days grace period is allowed to policyholder for payment of premium at the insurers discretion. C a 45-year individual and needs health insurance for his family, including himself, his 43-years-old wife and 2 children - aged 12 and 7 years, respectively. Q6: Who is TPA of HDFC ERGO Health Insurance ? If a child below 12, who is insured is hospitalized for more than 72 hours a daily cash amount for the parents’ accommodation will be provided. Approval for registration as an Insurance Broker is pending with the IRDAI. This plan has coverage of up to for the self, spouse, dependent children, and dependent parents. The payment for renewal can be made 60 days before the policy expiry date. The company will restore the full amount whenever a new illness is diagnosed at no extra paperwork and charges of any sort. The plan covers the cost of hospitalization, maternity expenses, Ayush treatment expenses, with critical illness rider benefits. After this unification, HDFC Ergo has become the second largest private insurance providers in the health and accident insurance sector with expansion of its product range to more than 50 in this segment. The HDFC ERGO Optima Cash Health Insurance Plan is a top up health insurance policy that offers daily cash benefit cover in case of hospitalization due to an accident or illness. The company endeavors to make high-quality healthcare services easily accessible to every member and customer. Non-Trivial AngularJS Made Easy: Everything you need to kickstart AngularJS projects: a best-practice directory structure, an intelligent build system, and the best web design libraries around. Q1: How long is HDFC ERGO Health Insurance valid for? Coverage is provided from the age of three months to 65 years. First 30 Days from Policy Inception Only accidental hospitalisations shall be admissible in … 1,63,00,00,000 and the transaction has brought the company at a value of Rs. Expenses incurred both before and after hospitalization are provided to customers. 10, DLF Cyber City, Phase -II, Gurgaon, Haryana-122002 What are the services that you keep recharging regularly for immediate benefits? Q10: Should the claim and supporting documents submitted to TPA directly or HDFC ERGO Health Insurance ? What is the difference between term insurance, life insurance and health insurance? The HDFC ERGO Health Insurance Limited proposes a wide range of health insurance plans. The HDFC ERGO Optima Vital Health Insurance Plan is a critical illness health insurance policy that covers the expense incurred on the treatment of the specified critical illnesses. The company's motto is 'Let’s uncomplicate', which shows its focus on providing effective yet simple solutions for every healthcare need. HDFC ERGO Health Insurance's health policy will be the first health policy to provide insurance coverage for travel and cost incurred for the treatment of illness abroad. Buy HDFC ERGO health insurance plans, mediclaim policy for family, individuals, senior citizens that covers the medical expenses against costly hospitalization at more than 10,000+ network hospitals. March 3, 2016: HDFC ERGO Health Insurance has launched a critical illness rider called ‘Critical Advantage’, which covers the insured on cashless basis along with treatment for eight illnesses abroad and the travel and accommodation cost of one family member. The policyholder will enjoy a Restore Benefit if the customer or his family member exhausts the sum insured during the year. There is a facility for E-opinion, which enables the insured to request for a second opinion from another medical practitioner and the insurer does provide the same. The self and spouse may be covered under the plan on an individual sum insured basis. The sum insured for the critical illness ranges from 50% to 100% of the sum assured, subject to a minimum amount of Rs. Insurance coverage to children is offered right from the fourth month if any of the parents is already covered, This HDFC ERGO Health Insurance health Insurance plan has coverage of up to for the self, spouse, dependent children and dependent parents or parents-in-law, Sum insured option provided up to Rs. One can buy this rider along with Easy Health and Optima Restore plan with an annual premium ranging up to 10 lakhs or greater, aiming at getting covered the cost of treatment of specific illnesses that might incur during the treatment of an ailment in the abroad. on May 15, 2020, then the new policy renewal date will be May 15, 2021. The hospitalization expenses are covered without any co-pays or sub-limits. Below-mentioned are a few instances where you can calculate the premium by using the health insurance premium calculator provided by the company: HDFC ERGO Health Insurance launched its latest ad spot for ‘#BeWinsured’ campaign to highlight its Health Wallet plan, launched under a fresh category ‘Winsure’. Apollo Plans offer 10% family discount on premium if 3 or more persons are covered under the same policy in family floater. Twice the daily cash amount is provided for each continuous and completed 24 hours where two or more people are concurrently hospitalized due to an accident. Customers of Easy Health and Optima Restore health insurance policy with sum insured of Rs 10 lakh or more can purchase the critical advantage rider to mitigate specific ailment costs at medical facilities outside India. The entity that has merged is HDFC ERGO General Insurance Company. It covers expenses incurred on pre and post hospitalization, domiciliary treatment, daycare procedures, with a waiver of deductible benefit. Individuals willing to availing a health insurance plan can directly call the company’s sales helpline at 1800 103 0555 and speak to the customer service representative. This plan covers maternity expenses for before and after childbirth procedures, There is an option to cover the newborn baby from day one to 90 days, If an insured child is hospitalized then a lump sum amount is paid if an adult accompanies the child during the hospitalization, A Recovery Benefit of Rs. First 36 Months from Policy Inception Declared or accepted pre-existing conditions at the time of application will be covered after the first three years of continual renewals. *The information provided on this website/page is only for information sake. HDFC ERGO Health Insurance Rolls Out Health Wallet Plan Ad Campaign, HDFC ERGO Health Insurance launches ‘Critical Advantage Rider’ for offshore treatment, HDFC ERGO Health Insurance Introduces ‘Critical Advantage’, HDFC ERGO Health Insurance Partners with Leading Indian Banks, First health policy to cover overseas treatment and travel expenses by HDFC ERGO Health Insurance, Munich Re has bought further 23.27% shareholding in HDFC ERGO Health Insurance, Best Health Insurance Plans for Senior Citizens, HDFC ERGO Health Optima Restore - The unbelievable health plan, 5 years (newborn: 91 days subject to a parent getting insured), 3 years (can be reduced to 1 year on continues renewals), HDFC ERGO Health Energy - The Sweetest thing for people living with diabetes, HDFC ERGO Health Easy Health - Our plan for young family, 24 months for surgical procedures and 36 months for pre-existing diseases, HDFC ERGO Health Easy Health - Our premium plan, HDFC ERGO Health Easy Health - Our most popular Plan, HDFC ERGO Health Optima Cash - Daily hospital cash plan, 48 months for pre-existing diseases (can be reduced to 1 year on continues renewals), Cash amount payable on completion of 24 hours, HDFC ERGO Health Optima Cash - A Top-up plan. It wouldn’t really be an exaggeration to say that HDFC ERGO Health has made health insurance pretty simple for everyone, over the decades of its operations. Cumulative bonus and family discount of 5%, Coverage is provided from the age of 61 years onwards. Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001, IRDAI Web aggregator Registration No. To avail the seamless service of the phone calls, electricity, gas, water, Wi-Fi; you need to recharge or pay the bills on or before the due date. B wants to buy a plan for himself and his newly married wife. Sickness ICU Cash is provided in which twice the daily amount is paid for each continuous and completed period of 24 hours if the insured person is hospitalized for more than 24 hours due to sickness. The plan pays for the expenses that the policyholder has to pay for treatment on being diagnosed with a critical illness including the surgical procedures. HDFC ERGO Health Maxima - Our comprehensive plan that covers for the little illness too. Following is the list of HDFC ERGO Health Insurance Plans with features and benefits. The policyholder can choose from a wide range of sum insured options at affordable premiums, from Rs. If your policy expiry date is missed, then also you can make the payment, as many insurance companies provide a grace period of up to 7 days, whereas some companies show some leniency by providing a grace period of up to 15 days. Apollo Munich Health Insurance Co. Ltd. nd2• 3 rd Floor, iLABS Centre Plot No. For instance, if your policy renewal date was April 15, 2020, and you renew your policy during the grace period i.e. Individual and family members Haryana - 122001, IRDAI Web aggregator registration No can choose from a wide range multi-specialty! The treatment policyholder can choose from a wide range of sum insured is available as a rider option its... 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