HDFC ERGO HEALTH INSURANCE

HDFC ERGO health insurance (formerly known as Apollo Munich health insurance) is also described by many as HDFC Ergo health Insurance. It provides coverage against rising healthcare expenses, critical illnesses, surgeries, treatments and diagnosis before or after hospitalisation.

You get to keep your savings intact rather than spend on medical bills and look after the healthcare costs through timely financial assistance.

• Instant policy issuance.
• 1 crore+ satisfied customers.
• Cashless hospitalisation and home health care.
• No restrictions on room rent.
• Seamless and easy claims.
• Regular claim updates on your mobile phone.
• 90% of claims get approved within 20 minutes.
• Incurred claim ratio:52.58%.
• Fitness discount. 
• Long term policy discount.
• Tax savings.
• Lifelong renewability.

HDFC Health Insurance policies from HDFC ERGO General Insurance Company serve millions across the country through a 10,000+ strong cashless hospital network and 24x7 customer support.

Features & Advantages: HDFC Health Insurance Policy

• Sum-insured rebound: Get additional sum-insured equivalent to the admissible claim amount (up to a maximum of the basic sum insured and applicable for specific plans).
• Pre-hospitalisation coverage of expenses (doctor consultations, check-ups and prescriptions) for 60 days and post-hospitalisation coverage till 180 days.
• Hospitalisation expenses including bed-nursing charges, blood tests, ICU and consultations get covered too. 586 daycare procedures are also covered.
• The expenses for hospitalisation are covered in case any of the insured individuals suffer from mental illnesses.
• Organ harvesting expenses incurred to the donor are covered if the insured undergoes an organ transplant.
• Doctor-recommended treatment at home is covered.
• Non-allopathic alternative treatments such as Ayurveda, Unani, Sidha and Homeopathy are covered.
• Get a lump-sum amount of 5,000 rupees as recovery benefit if your hospitalisation exceeds 10 consecutive days.
• Option to avail discounts while paying for 2 to 3 years of the insurance policy tenure. Buying a policy for more than 2 family members on an individual sum-insured basis can help you receive extra discounts.
• Enjoy up to 75,000 rupees of tax savings annually under section 80D.

HDFC Health Insurance Plans

1] My Health Suraksha Insurance: Silver Smart Plan (Individual, Family, Parents & Senior Citizens Health Insurance Plans)

• 360-degree protection against soaring medical expenses.
• Covers range from 3 to 5 lakh rupees for individuals, families and senior citizens.
• Pre-hospitalisation coverage of expenses (doctor consultations, check-ups and prescriptions) for 60 days and post-hospitalisation coverage till 180 days.
• Hospitalisation expenses including bed-nursing charges, blood tests, ICU and consultation get covered too.
• Get a lump-sum amount of 5,000 rupees as recovery benefit if your hospitalisation exceeds 10 consecutive days.
• Sum-insured rebound: Get additional sum-insured up to the base sum insured even if your existing one gets exhausted.
• The expenses for hospitalisation are covered in case any of the insured individuals suffer from mental illnesses.
• 586 daycare procedures are covered.
• Non-allopathic alternative treatments such as Ayurveda, Unani, Sidha and Homeopathy are covered.
• No room rent capping.
• Free health check-up each year for every renewal.
• Cashless home healthcare: Avail medical attention at home without paying anything.

2] My Health Suraksha Insurance: Gold Smart Plan (Individual, Family, Parents& Senior Citizens Health Insurance Plans)

• Covers range from 7.5 to 15 lakh rupees.
• Pre-hospitalisation coverage of expenses (doctor consultations, check-ups and prescriptions) for 60 days and post-hospitalisation coverage till 180 days.
• Hospitalisation expenses including bed-nursing charges, blood tests, ICU and consultations get covered too.
• Get a lump-sum amount of 15,000 rupees as recovery benefit if your hospitalisation exceeds 10 consecutive days.
• Sum-insured rebound: Get additional sum-insured up to the base sum insured even if your existing one gets exhausted.
• 586 daycare procedures are covered.
• The expenses for hospitalisation are covered in case any of the insured individuals suffer from mental illnesses.
• Organ harvesting expenses incurred to the donor are covered if the insured undergoes an organ transplant.
• Non-allopathic alternative treatments such as Ayurveda, Unani, Sidha and Homeopathy are covered.
• No room rent capping.
• Free health check-up each year for every renewal.
• Cashless home healthcare: Avail medical attention at home without paying anything.
• Transfer from hospital to home in an ambulance, within the same city, is also covered.
• Air ambulance services (aeroplane/helicopter to the nearest hospital) in case of an emergency.

3] My Health Suraksha Insurance: Platinum Smart Plan (Individual& Family Health Insurance Plans)

• A higher cover of up to 75 lakh rupees.
• Pre-hospitalisation coverage of expenses (doctor consultations, check-ups and prescriptions) for 60 days and post-hospitalisation coverage till 180 days.
• Hospitalisation expenses including bed-nursing charges, blood tests, ICU and consultations get covered too. 
• Get a lump-sum amount of 25,000 rupees as recovery benefit if your hospitalisation exceeds 10 consecutive days. 
• Sum-insured rebound: Get additional sum-insured up to the base sum insured even if your existing one gets exhausted.
• 586 daycare procedures are covered. 
• The expenses for hospitalisation are covered in case any of the insured individuals suffer from mental illnesses.
• Organ harvesting expenses incurred to the donor are covered if the insured undergoes an organ transplant.
• Non-allopathic alternative treatments such as Ayurveda, Unani, Sidha and Homeopathy are covered. 
• No room rent capping. 
• Free health check-up each year for every renewal.
• Cashless home healthcare: Avail medical attention at home without paying anything.
• Transfer from hospital to home in an ambulance, within the same city, is also covered.
• Air ambulance services (aero plane/helicopter to the nearest hospital) in case of an emergency.

4] Medi sure Super Top-up Plan (Individual, Family, Parents & Senior Citizens Health Insurance Plans)

• An all-encompassing cover for your parents, in-laws, niece, nephew, spouse and kids.
• The cushion of ample cover for availing best medical treatments without restrictions or limitations.
• Inpatient hospitalisation and full coverage up to the sum insured without sub-limits.
• Pre & post hospitalisation.
• Daycare procedures, full coverage up to sum insured.
• Constant premiums from age 61.
• No health checkups up to age 55.
• 5% discount on the premium for opting a long-term policy of 2 years.
• 10% discount if you cover a family of more than 2 members on an individual sum-insured basis.

5] Critical Illness Insurance

• Helps prevent life-threatening diseases (like cancer, and stroke) from draining your savings.
• Covers up to 15 critical illnesses.
• Available in two plans: Silver and Platinum.
• Silver: Heart Attack, Multiple Sclerosis, Stroke, Cancer, Major Organ Transplantation, Coronary Artery Bypass Surgery, Paralysis and Kidney failure.
• Platinum: Heart Attack, Multiple Sclerosis, Stroke, Cancer, Major Organ Transplantation, Coronary Artery Bypass Surgery, Paralysis, Kidney failure, Aorta Graft Surgery, Primary Pulmonary Arterial Hypertension, Heart Valve Replacement, Parkinson's Disease, Alzheimer's Disease, End-Stage Liver Disease and Benign Brain Tumour.
• Get the sum-insured in a single transaction.
• Free-look period of 15 days.
• No medical check-ups up to the age of 45 years.

General Exclusions of HDFC ERGO Medical Insurance

• Injuries and accidents encountered while participating in adventure sports.
• Self-inflicted or self-imposed injuries are not covered.
• Venereal or sexually transmitted diseases are also not covered.
• Your HDFC ERGO health insurance does not cover the treatment of obesity and cosmetic surgery.
• Accidents while participating in defence operations.
• Any claims caused due to wars.

Note: Please refer to detailed insurance product brochures for policy/plans-specific exclusions.

HDFC ERGO Health Insurance Premium

HDFC health insurance premium is based on factors such as your age, medical history, lifestyle habits, the sum insured and type of cover you choose. 

One can compare policies and plans by visiting HDFC ERGO's official website. Alternatively, you may use established online insurance comparison portals such as Quickinsure to explore quotations, simplify and speed up the process of buying medical insurance.

HDFC ERGO Health Insurance Renewal & Purchase

One can apply for/renew a health insurance policy by viewing and comparing quotes online through insurance comparison platforms such as Quickinsure.                                                 

HDFC ERGO Health Insurance Review

HDFC medical policy is known for its credibility, iAAA rating, a wide range of customisable individual or family health insurance plans and a high claim settlement ratio. It provides all-around healthcare protection at affordable premiums.

HDFC Apollo Munich Health Insurance: Prominent Rewards & Recognitions

• SKOCH-Order-of-Merit.
• Gold Shield ICAI Award 2012-13 and 2015-16.
• Best Insurance Company in Private Sector-General 2014.
• HR Excellence through technology award 2012.

HDFC ERGO Health Insurance: FAQs

Q: What are the benefits of a health insurance policy?

Ans: It covers all your expenses incurred due to hospitalisation, including in-patient treatments, pre/post hospitalisation, daycare procedures and domiciliary treatments.

Q: How can I get an additional member added to my existing family-floater policy?

Ans: By filling in a health declaration and an endorsement form.

Q: Does my health insurance policy cover diagnostic expenses?

Ans: Yes, most pre and post hospitalisation expenses up to 60 days are covered. They could range from X-rays, CT scan, MRI, ultrasound nursing, physicians to other diagnostic needs.

Q: Can I change my hospital during treatment?

Ans: Yes, you can, by providing the necessary information for the timely claim process.

Q: What will happen to my insurance if the primary insured individual passes away?

Ans: The other adult may continue with the insurance policy and the sum insured will remain the same.

Q: How can I file a claim with HDFC ERGO?

• Cashless claims: Collect the cashless form from the hospital, fill it and submit it with required documents including your photo ID and health insurance card. Your claim could be approved or rejected depending upon the documents, course of treatment and coverage. If approved, on discharge, HDFC ERGO settles the claim with the hospital directly.
• Reimbursement claims: Intimate HDFC ERGO about your hospitalisation at a non-network hospital. Collect all the documents and send them to HDFC ERGO General Insurance Company Ltd office. If your claim is approved, the amount gets reimbursed via NEFT.

 

Disclaimer: The information shared is purely indicative. Please refer to the policy wordings for most up-to-date and precise details.