HDFC ERGO Health Plan Benefits, Feature, Buy & Renews

HDFC ERGO Health Plan- We have good news to share with you. HDFC ERGO’s Optima Secure can now be purchased with an easy installment benefit. Policyholders for one year are eligible for this benefit. There are options for installment: month to month, quarterly and half-yearly. Optima Secure is readily available at a cost-effective purchasing option to give customers more purchasing power. In accordance with your policy’s terms, you must fill out and submit the required forms for a reimbursement claim. The discharge summary and hospital bills make up the majority of the documents, which may vary.

Are you looking for a comprehensive health plan that offers plenty of benefits? If so, you should consider the HDFC ERGO Health Plan. This plan provides you with access to a wide range of services, including medical care, dental care, and more. Plus, it offers a number of benefits that make it a good option for anyone looking for comprehensive coverage. Read on to learn more about this plan and why it may be a good fit for you.

HDFC ERGO Health Plan

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When it comes to selecting the best health insurance plan, the claim settlement ratio is ultimately the deciding factor. For prospective clients, a solid track record of claim settlements can be encouraging. In the event that you are wanting to purchase Medical coverage remember to check HDFC Thus health care coverage strategy subtleties on the organization’s site and get a statement in practically no time. You must only receive treatment from one of the network hospitals in order to submit a cashless claim. Before receiving treatment, you must obtain authorization and complete the required paperwork.

If you’re looking for a comprehensive health insurance plan that covers a wide range of medical services, the HDFC ERGO Health Plan is perfect for you. With more than 1,000 hospitals and clinics covered, this plan provides comprehensive coverage for both hospital and outpatient care. Plus, you can be assured of high-quality care from the doctors and nurses who work for the plan. So if you’re looking for an affordable and comprehensive health insurance plan, the HDFC ERGO Health Plan is a great option to consider.

HDFC ERGO Health Plan

HDFC ERGO Health Plan 2023 Details

Name Of Article HDFC ERGO Health Plan
HDFC ERGO Health Plan Click Here
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About HDFC ERGO

HDFC Thus is a 51:49 joint endeavor between HDFC Ltd and Consequently, which is the essential protection substance of the Munich Re Gathering of Germany. With a 6.2% market share, HDFC ERGO is the third largest Private General Insurer. Through its network of 203 branches in 170 cities and extensive distribution network, it provides products such as Motor, Health, Travel, Home, Personal Accident, and Cyber Insurance in the retail space and customized products such as Property, Marine, and Liability Insurance in the corporate space.

In FYs 2014–15 and 2015–16, General Insurance received the ICAI Award for Excellence in Financial Reporting. The guarantor has been relegated an ‘iAAA’ rating by ICRA, showing its most noteworthy case paying capacity. For providing unparalleled customer service, HDFC Ergo General Insurance received the 2016 Best Customer Experience Award of the Year from KamiKaze. HDFC Ergo General Insurance offers a wide range of health insurance products, including individualized plans for individuals, families, parents, and senior citizens. The organization additionally offers tailor-made answers for Basic Ailments and Individual Mishaps.

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Types of HDFC ERGO general insurance plans

Different kinds of general insurance plans are available from HDFC ERGO General Insurance Company. These kinds of plans and the policies that go along with them are listed below. Health insurance plans cover medical emergencies and the financial consequences of them. The following HDFC general insurance plans are available as options for health insurance:

HDFC ERGO my: health Suraksha Insurance Silver Smart Plan

This is an indemnity health insurance plan that covers actual medical expenses and provides affordable coverage levels. The following are the plan’s most notable features:

  • The plan is available to individuals, families, and senior citizens.
  • There is no room rent cap.
  • If your base sum insured is used up in a policy year, the plan will reinstate it.
  • Home treatments can also be taken cashless.
  • The plan also covers mental illnesses.
  • Optional covers are also available with the plan for a wider range of coverage.

Eligibility conditions of HDFC ERGO my: health Suraksha Insurance Silver Smart Plan

Entry age 18 years onwards

Dependent children can be covered from 91 days to 25 years

Term of the plan 1 to 3 years
Sum insured INR 3 lakhs to INR 5 lakhs
Pre-entrance health check-up Not required till 45 years of age and up to INR 20 lakhs sum insured
No claim bonus 10% increase in sum insured for each claim-free year up to a maximum of 100%
Pre-existing waiting period 3 years

HDFC ERGO my: health Suraksha Insurance Gold Smart Plan

  • The Silver Smart Plan has been upgraded to this more extensive version.
  • In addition, the plan includes a variety of add-on coverages and covers actual medical expenses.
  • The plan’s most important features are as follows:
  • air ambulance coverage for up to INR 2 lakhs;
  • a lump sum recovery benefit if you are hospitalized for 10 or more days;
  • maternity coverage, which can be purchased for an additional premium;
  • critical illness and hospital cash benefit add-ons.

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Eligibility conditions of HDFC ERGO my: health Suraksha Insurance  Gold Smart Plan

Entry age 18 years onwards

Dependent children can be covered from 91 days to 25 years

Term of the plan 1 to 3 years
Sum insured INR 7.5 lakhs, INR 10 lakhs and INR 15 lakhs
Pre-entrance health check-up Not required till 45 years of age and up to INR 20 lakhs sum insured
No claim bonus 10% increase in sum insured for each claim-free year up to a maximum of 100%
Pre-existing waiting period 3 years

HDFC ERGO my: health Suraksha Insurance – Platinum Smart Plan

This is the HDFC ERGO my’s most expensive insurance: plans for health insurance from Suraksha. In addition to options for policy extensions and riders, the plan covers almost all medical expenses. The policy’s most notable features are as follows:

  • there is no age limit for entry.
  • The plan is available to people of all ages. It covers up to INR 75 lakhs.
  • It covers both road and air ambulances.
  • The sum insured is refilled if it is exhausted on previous claims in the same policy year.
  • Premium discounts are available for adding two or more family members and for buying more than one policy from HDFC ERGO.

Eligibility conditions of HDFC ERGO my: health Suraksha Insurance – Platinum Smart Plan

Entry age 18 years onwards

Dependent children can be covered from 91 days to 25 years

Term of the plan 1 to 3 years
Sum insured INR 7.5 lakhs, INR 10 lakhs and INR 15 lakhs
Pre-entrance health check-up Not required till 45 years of age and up to INR 20 lakhs sum insured
No claim bonus 25% increase in sum insured for each claim-free year up to a maximum of 200%
Pre-existing waiting period 3 years

HDFC ERGO Health Suraksha Silver Plan

This is a straightforward health care coverage plan which offers reasonable inclusion and has the accompanying remarkable highlights –

  • Long term hospitalization has no sub-limits on room lease or different costs
  • A no case reward of 5% is took into consideration each guarantee free year
  • You can purchase the approach at whatever stage in life as there is no restriction on section age
  • The strategy can be taken on an individual or floater aggregate guaranteed premise
  • 10% premium markdown is permitted assuming at least two relatives are covered under the arrangement on individual aggregate guaranteed premise
  • Inclusion is likewise accessible for non-allopathic AYUSH medicines

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Eligibility conditions of HDFC ERGO Health Suraksha Silver plan

Entry age 18 years onwards

Children aged 5 years and above can be covered if both parents are covered

Term of the plan 1 or 2 years
Sum insured INR 3 lakhs to INR 7.5 lakhs
Pre-entrance health check-up Not required until 45 years of age
No claim bonus 5% increase in sum insured for each claim-free year up to a maximum of 50%
Pre-existing waiting period 4 years

HDFC ERGO my: health Medisure Super Top-up Insurance plan

This is a very top-up health care coverage strategy which has a particular deductible breaking point. In the event that the complete cases in a strategy year surpass as far as possible, the arrangement pays the overabundance guarantee. This plan can be taken to expand your aggregate safeguarded. The highlights of the arrangement are as per the following –

  • There are various blends of the aggregate guaranteed and deductible choices to browse
  • The expenses stay fixed after you achieve 61 years old
  • No covering is finished on long term hospitalization inclusion
  • You can purchase the strategy either on a singular premise or on a family floater total protected premise
  • Expenses are not expanded on recharges regardless of whether a case is made

Eligibility conditions of HDFC ERGO my: health Medisure Super Top-up Insurance Plan

Entry age 18 years to 65 years

Dependent children – 91 days to 23 years

Term of the plan 1 or 2 years
Sum insured INR 3 lakhs to INR 20 lakhs
Deductible limit INR 2 lakhs to INR 5 lakhs
Pre-entrance health check-up Not required until 55 years of age
Pre-existing waiting period 3 years

HDFC ERGO Critical Illness Silver Plan

This is a proper advantage health care coverage plan which covers a rundown of basic sicknesses. Assuming you are determined to have any of the covered disease, the arrangement pays the aggregate guaranteed in singular amount regardless of the clinical costs that you cause. The elements of the arrangement are as per the following-

  • 8 significant sicknesses are covered under the arrangement
  • Inclusion of up to INR 50 lakhs can be taken against the covered sicknesses
  • You can pick the endurance time frame after which the basic sickness guarantee would be paid by the organization

Eligibility conditions of HDFC ERGO Critical Illness Silver plan

Entry age 5 years to 65 years
Term of the plan 1 year
Sum insured INR 1 lakh to INR 50 lakhs
Pre-entrance health check-up Depends on the age and sum insured selected

HDFC ERGO Critical Illness Platinum Plan

This is likewise a basic disease medical coverage plan which pays a proper advantage on finding of the covered sicknesses. Notwithstanding, the arrangement covers more diseases and has the accompanying elements –

  • 15 basic ailments are covered under the arrangement
  • The strategy can be restored long lasting
  • The endurance time frame can be decided to be basically as low as 15 days

Eligibility conditions of HDFC ERGO Critical Illness Platinum plan

Entry age 5 years to 65 years
Term of the plan 1 year
Sum insured INR 1 lakh to INR 50 lakhs
Pre-entrance health check-up Depends on the age and sum insured selected

HDFC ERGO Health Suraksha Top-up Plan

This is a supplemental health care coverage plan like a very top-up plan. Under this plan likewise the total cases are considered against as far as possible and in the event that the complete case in a year surpasses as far as possible, the case is paid. The elements of the arrangement are as per the following –

  • You can purchase the arrangement on a family floater premise moreover
  • In the event that you protect at least three relatives on a singular inclusion premise, you can benefit an exceptional markdown of 10%
  • There are no sub-limits on room leases, specialist’s charge and other long term hospitalization costs
  • Domiciliary medicines are likewise covered under the approach

Eligibility conditions of HDFC ERGO Health Suraksha Top-up Plan

Entry age 5 years to 65 years

Children aged 91 days and above can be covered if both parents are also covered under the policy

Term of the plan 1 or 2 years
Sum insured INR 3 lakhs to INR 10 lakhs
Deductible limit INR 2 lakhs to INR 5 lakhs
Pre-entrance health check-up Not required till 55 years of age
No claim bonus 5% increase in sum insured after every claim-free year
Pre-existing waiting period 4 years

HDFC ERGO Day2Day Care

This wellbeing plan is planned explicitly the short term expenses that you cause on interviews, drugs and demonstrative tests. The highlights of the arrangement are as per the following –

  • The arrangement can be taken on an individual or family floater premise
  • Both general and expert discussions are covered
  • There is no holding up period and OPD costs are covered from the main day itself
  • 100 percent credit only settlement is accessible at the arranged medical clinics

Eligibility conditions of HDFC ERGO Day2Day Care

Entry age 91 days to 65 years

Children can be covered up to 25 years of age under a floater plan

Term of the plan 1 or 2 years

HDFC ERGO Maxima

This is a novel wellbeing plan that covers both in-patients as well as short term costs. The notable highlights of the arrangement are as per the following –

  • Inclusion for specialist’s meetings, drug store, demonstrative tests, wellbeing check-ups, and so on are accessible on a short term premise
  • You can profit short term inclusion for your prior ailments as well
  • A scope of ongoing inclusion benefits are likewise accessible
  • There is a choice of adding the basic ailment cover for making the arrangement extensive

Eligibility conditions of HDFC ERGO Maxima

Entry age 91 days to 65 years
Term of the plan 1 year
Sum insured INR 3 lakhs
Pre-entrance health check-up Depends on age and sum insured
No claim bonus 10% increase in sum insured after every claim-free year
Pre-existing waiting period 3 years

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What Is A Health Insurance Top-up Plan and Why Should I Buy It?

A top-up health care coverage is an extra inclusion which you can add to your current health care coverage plan. top-up plan offers inclusion benefits when the aggregate protected of your current arrangement gets depleted. A top-up insurance contract is accessible as an extra cover against the installment of a super top notch sum. top-up plan assists you with guaranteeing monetary strength in times when the protection inclusion of your standard arrangement misses the mark during a health related crisis. Basically, a top-up plan assists you with expanding your health care coverage inclusion at a reasonable expense.

Advantages Of HDFC Ergo Health Insurance

Some of the advantages of purchasing a HDFC Ergo health insurance plan are as follows:

  • High Case Settlement Proportion – HDFC Therefore Broad Protection included a great case settlement proportion of 86.52% in FY 2019-20. With its reliable, simple, and reasonable help, the safety net provider has won the trust of more than 1 crore clients.
  • 24*7 Client care – The client assistance group of HDFC Hence Broad Protection is accessible 24*7 at the help of its clients. The organization’s in-house claims group works nonstop to give bother free case insight to its clients and backing in long periods of need.
  • Great History – HDFC Thus Broad Protection has been taking care of the protection needs of its clients from the most recent 16 years. HDFC Thus Broad Protection won the Best Client Experience Grant in the monetary area in 2016 by KamiKaze for its extraordinary client assistance.
  • Dish India Presence – HDFC Hence Broad Protection keeps a container India presence with a wide organization of in excess of 10,000 credit only clinics, 120+ branch workplaces and north of 3,000 representatives.

Common Benefits under all HDFC Ergo Health Insurance Plans

Following are the advantages which you can appreciate with health care coverage plans presented by HDFC Thus Broad Protection:

  • No Clinical trial As long as 45 Years: On the off chance that you are fit and solid, you can take the vast majority of the health care coverage plans presented by HDFC Consequently Broad Protection without finishing any clinical trials. If it’s not too much trouble, note this component is just accessible for individuals as long as 45 years old.
  • Free Reestablishment Wellbeing Examination: Policyholders of medical coverage plans presented by HDFC Hence Broad Insurance are qualified for a free wellbeing examination in the span of 60 days after the recharging of the contract with the guarantor.
  • No Passage Age Limitation: All people of somewhere around 18 years old are qualified to purchase medical coverage plans presented by HDFC Hence Broad Protection. The guarantor offers plans to all progress in years gatherings.
  • Lifetime Sustainability: The medical coverage plans given by HDFC Hence Broad Protection accompany the element of lifetime inexhaustibility. Along these lines, you want not exit from them.
  • Tax cut: A policyholder can profit charge derivations under all HDFC Thus health care coverage plans according to segment 80D of the Personal Expense Act.
  • Credit only Therapy: HDFC Therefore offers credit only clinical offices to their policyholders at their enrolled network emergency clinics. Under a credit only office, a policyholder isn’t expected to stress over orchestrating cash for taking care of clinic bills as here the protection supplier settles the doctor’s visit expense straightforwardly with the clinic. There are in excess of 10,000 emergency clinics enrolled with HDFC Hence all around the country.
  • Wellbeing Check-Ups: In India, the vast majority of the medical coverage suppliers give the office of free preventive wellbeing check up to the policyholder at customary stretches in light of the agreements of the health care coverage plans.

What Are The Key Features of HDFC Ergo Health Insurance?

Let us understand the key features of HDFC Ergo health insurance plan designed specifically to help you in leading a secure and financially healthy life. They are explained as follows:

  • Inexhaustibility: The protection plan furnishes a long lasting recharging with a straightforward and quick interaction. It assists you during health related crises and keeps you with pushing free monetarily so you are equipped for taking care of any tough spot with genuine serenity.
  • No Sub Breaking point on Room Lease: By and large sub limits on the room lease under a medical coverage plan eat into the total guaranteed selected by the policyholder. In any case, HDFC Thus offers wellbeing plans without putting any sub limits on room lease.
  • Pre and Post Hospitalization Cover: The health care coverage plans presented by HDFC Hence offers pre-hospitalization costs for as long as 60 days and post-hospitalization costs for as long as 90 days.
  • Network Clinic: HDFC Consequently insurance agency offers credit only hospitalization office. Under this office, the protection supplier straightforwardly settles generally doctor’s visit expenses brought about during the hour of treatment at the organization emergency clinic, consequently not causing a monetary stress on your pocket during troublesome times. The insurance agency has more than 10,000 organization medical clinics enrolled with them to serve the protected with crisis hospitalization in the midst of hardship.

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How To Make Health Insurance Cashless Claims with HDFC Ergo General Insurance?

All cases made at the organization medical clinics of HDFC Hence Broad Protection’s organization, get handled in a credit only way. In this manner, under a credit only case, you really want not pay to the clinic as HDFC Hence Broad Protection pays straightforwardly to the clinic subject to the total safeguarded. You can raise a credit only case with HDFC Consequently Broad Protection by following the beneath referenced advances:

Get Hospitalized

Find your closest emergency clinic which has cooperated with HDFC Thus Broad Protection and get conceded there. You can find your closest HDFC Thus network emergency clinic by clicking here.

Fill And Present The Credit only Case Structure

Gather a credit only case structure from the medical clinic, properly fill it and submit it back to the emergency clinic with the expected records including your ID verification and health care coverage card.

Pre-Approval of Guarantee

Endless supply of the credit only case structure, the inside claims group of HDFC Hence Broad Protection will support/reject your case based on records submitted, course of treatment and inclusion. The back up plan professes to finish the case endorsement process in 20 minutes or less.

Guarantee Settlement

On getting the endorsement of your case, you can go through the necessary clinical treatment. You want not pay anything to the emergency clinic (dependent upon inclusion and aggregate guaranteed). On release from the clinic, the guarantor will check the reports and release rundown and settle the case straightforwardly with the clinic.

How To Make Health care coverage Repayment Guarantee with HDFC Consequently Broad Protection?

At the point when a policyholder seeks clinical therapy at an emergency clinic outside the organization of HDFC Hence Broad Protection, the guarantor repays you the caused clinical costs subject to the total safeguarded. Consequently, when you make a repayment guarantee, you are expected to pay for every one of the clinical costs yourself first and afterward the back up plan repays the costs. Follow the beneath moves toward demand a HDFC Thus Broad Protection Repayment Guarantee:

Get Hospitalized And Cozy the Back up plan

Get hospitalized at a non-network emergency clinic and close HDFC Therefore Broad Protection at 022-6234-6234/0120-6234-6234 about your hospitalization.

Gather Reports Post Release and Ship off Safety net provider

At the hour of release, gather all necessary records from the medical clinic and send them to HDFC Consequently Broad Insurance Agency Ltd at the accompanying location through post.

HDFC Hence Broad Insurance Agency fifth Floor, Pinnacle 1, Heavenly IT Park, C-25,
Area 62, Noida, Uttar Pradesh, 201301.

Documents Required For Health Insurance Reimbursement Claim with HDFC Ergo General Insurance

  • Valid ID proof
  • Doctor’s letter advising admission
  • Original bills from chemists and pharmacies
  • Doctor’s prescription for medical tests, medicines, consultations etc.
  • Original receipts, bills, and discharge forms signed by the doctor
  • Original diagnostic test reports, radiology reports and payment receipts
  • First Information Report (FIR), in a police case.

Documents Scrutiny And Approval

At this stage, HDFC Thus Broad Protection will check every one of the records put together by you and either acknowledge or dismiss your case

Settlement of Claim

Endless supply of your case, HDFC Thus Broad Protection will repay the sum through NEFT. The back up plan professes to repay the sum in 3 days or less.

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