Because, most of us do not realize the importance of health insurance until something fatal hits us or people around us. It plays an important role in planning your finances. You have a family to take care of and want to cover spouse + kids. Network hospitals often referred as cashless hospitals are tied up with your insurance company due to which you can avail cashless hospitalization benefit, however whenever you get admitted at a non-network hospital you have to pay the bills first and later claim for reimbursement. Then, why let the stresses of paying medical bills bother you? Hence, even if you increase your sum insured your waiting period continues until you keep renewing to get away with the waiting period term. This benefit acts like a magical backup, which recharges your exhausted health cover to treat the next hospitalization. Excellent service superb Time taken to settle claim exceptionally very low worth mentioning We are delighted at your service. You can make payment through net banking, credit/debit card, cheque, UPI, or cash. Because, many ailments are listed under permanentexclusion, few are covered with a waiting period and few others are covered by charging additional premium with a waiting period. It is advisable to reconfirm the same with your tax consultant. You do not have to pay premiums in cash or cheque for your health insurance plan! Our health insurance plans for individuals will take care of medical expenses without impacting the savings. Will this particular medical insurance plan require some medical tests? If you ever end up causing injury to your precious self, then unfortunately our health insurance plan will not cover for self imposed injuries. ^Subject to change as per Tax Laws in India. 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. Enter your HDFC ERGO insurance policy number and renew all your insurance policies: health, motor, car, travel home insurance. It should be adequate to cover more than one hospitalisation that may happen in a year. You can renew health insurance policies within a few minute. Submit a duly filled claim form along with specified documents within 45 days of completion of survival period for the critical Illness against which the claim is made. You can port your health insurance policy with any other insurer without impacting your waiting periods. I do not need a health insurance plan. Stay Safe ! It takes less than 5 minutes to renew HDFC ERGO health insurance policy online. With the development in technology, treatments and the availability of more effective medicines the cost of healthcare has steeply increased. Sir, I, Vijjapu V K Nookaji, Mobile No.9246692616. We want to help you stay financially protected from all kinds of risks. 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. Yes. If you smoke there are chances that you may develop some or the other ailment at later life stage due to which you may claim. CIN: U66030MH2007PLC177117. You can add your family members at the time of buying the policy or at the time of renewal. Gone are the days when you wait for someone to come and explain the policy to make a buying decision. The sole purpose of buying a health insurance plan is to get financial support at the time of medical emergency. You get to pay a lower premium and higher benefits. This means you must wait for a specified amount of time before you make a claim. Your life revolves around your family. Special top-ups are also offered to enhance the base health insurance plans. Waiting period is fixed at the inception of the policy it is not dependant on the sum insured. COVID-19 has been included in the list of diseases covered under the Maharashtra government's health insurance for its employees. In retail policy, a pre-existing waiting period is applicable. Get a health insurance plan from us and make the most out of our special benefits like home healthcare, day care treatments and sum insured restore benefits which will cater every member’s needs holistically. You do get your cashless card via courier/postal services. Simply Download the HDFC ERGO mobile app from your App Store or Google Play Store. If your Doctor recommends, you can get yourself treated at home and avail cashless medical facilities with utmost ease. These naturally designed therapies help you heal more easily … Remember, you can make use of net banking, debit card, or credit car to pay the health insurance premium as the company allows flexible payment modes. Name Arogya Sanjeevani Policy, HDFC ERGO Health Product Type Individual/Floater Category of Cover Indemnity Sum insured INR On Individual basis – Sum Insured shall apply to each individual family member. If you have not renewed your policy within the grace period then there are high chances that your policy may lapse. Get dual benefits of health & accident insurance with HDFC Bank's Health Suraksha, a comprehensive coverage for you & your family with 5000+ network hospitals. Simply click on the “Calculate My Health Insurance Premium” and generate health insurance premium effortlessly. HDFC ERGO Health Insurance Plan Covers Ayurveda & Other Treatments About AYUSH Benefits. Yes. If you cancel your health insurance plan within the free look period you will get your premium back post that you wont. Cashless hospitalization available only in HDFC ERGO network hospitals. For reimbursement claims you need to intimate the insurance company within a period of 30 days post discharge. Once you leave the company or switch jobs, you lose your health insurance benefits. The claim settlement ratio (CSR) reveals the percentage of claims the insurer has paid out during a financial year. 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. Included Health check up: HDFC ERGO Health Suraksha will provide for at the cost of a health check up if you have completed 4 years without making a claim. If you are paying the medical insurance premium for guardians, then you can also claim an additional deduction of up to ₹ 25,000 every budgetary year. 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. Mininimum connectivity speed required is 300 kbps speed for connection. Yes. With the development in technology, treatments and the availability of more effective medicines the cost of healthcare has steeply increased. You do need a personal health insurance plan as your employee health insurance covers medical expenses only till the time your employment in valid in the organization the moment you leave the job your policy term ends. The Siddha system is based on a combination of ancient medicinal practices and spiritual disciplines as well as alchemy and mysticism. View more comments. I am having 5 Policies with HDFC ERGO through HDFC Bank Credit Card as under detailed : Sl. If you are a senior citizen,you can get yourself insured upto the age of 65 years. *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. I am so happy for approving our claim. You can pay premiums on a monthly, quarterly, half-yearly, and annual instalment basis. Trade Logo displayed above belongs to HDFC Ltd and ERGO International AG and used by the Company under license. Cashless hospitalization is a process wherein the insured person doesn't have to pay a medical expenses out of his pocket in case of a hospitalization or surgery and the entire . Let your belief in alternate therapies like Ayurveda, Unani, Siddha, and Homeopathy stay intact as we cover hospitalization expenses for AYUSH treatment as well. Hence, it is important to read the below steps to know how Health Insurance claims process works differently for cashless claimsand reimbursement claim requests. Motor, All items marked asterisk (*) Also, if you are covering more family members then consider taking a health insurance policy with a sum insured above 10 lacs. This service is now available in 16 cities. Yes, you may have to undergo medical tests before buying a health insurance. Manage all your insurance needs at one place with the HDFC ERGO Insurance Mobile App. You could also buy my:health Suraksha health insurance that offers instalment payment facility on monthly, half yearly, quarterly and annual basis. Remember, you can make use of net banking, debit card, or credit car to pay the health insurance premium as the company allows flexible payment modes. Calculating health insurance premium with HDFC ERGO is simple, easy and convenient. You don't have to worry about rising medical expenses. Buy. You can also claim tax benefits on preventive health check-ups annually under Section 80D of the Income Tax Act. Now you can avail consultation from doctors and specialists at your fingertips absolutely free! Our health insurance plan does not cover accidents encountered while participating in adventure sports. 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. It helps to take care of other expenses during your hospitalization. my: health Suraksha Insurance Silver with ECB and Rebound. This type of health insurance plan pays for your actual medical expenses on both cashless as well as reimbursement basis upto the sum insured. So that, you get medical treatment right at the comfort of your home. Registered &Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. It offers an extremely high coverage at low premiums. No entry age restriction. Includes almost all women-related ailments. Every time you look for a health insurance plan, you wonder which is the best health insurance plan? As per recent data, 35% of the insurance purchasers in Hyderabad bought health plans with a cover of Rs 1 crore and above. Simply Download the HDFC ERGO mobile app from your App Store or Google Play Store. However, you must know that employer health insurance covers you only during your job tenure. © HDFC ERGO General Insurance Company Limited. Post completion of the merger, HDFC will hold 50.58 percent stake in HDFC ERGO. Our health insurance plan does not cover accidental injury while you are participating in defence (Army/Navy/Air Force) operations. 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. Hence, always have a personal health insurance plan for yourself and your family to be double sure. Reg office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. 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. 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. Yes. The company has been rated ‘iAAA’ by ICRA, indicating a high claim paying capacity. You can apply for and buy health insurance plans offered by HDFC Ergo online through HDFC Ergo website www.hdfcergo.com or through www.insurancedekho.com. Once your portability request is approved, your policy is ported. Thirdly, every health policy comes in with waiting period, so if you buy health insurance while you are young your waiting period gets over during the initial years. HDFC ERGO Health Connect helps advisor to get in touch with our backend contact center team via vidyo call & chat facility. Always choose a health insurance company which has a large network hospital tie-up like HDFC ERGO has 10,000+ cashless hospital network. A health insurance plan not only covers your medical expenses but also offers tax benefits so that you can save upto ₹ 75,000^ under Section 80D of Income Tax Act 1961. Terms and Conditions Applied. Usually there is a waiting period for specific ailment/diseases which could be for 2-4 years. This helps you avail higher sum insured without paying extra. Customer Happiness Center / Policy Issuing Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. HDFC Ergo Health Insurance Plans have been designed to provide extensive health cover to reduce your financial burden during a medical emergency. Submit Update. The answer is a clear Yes, because most of us may require medical treatment at some point of time in life. Lack of awareness may hamper your savings if an unexpected medical expense comes up. Appreciated services provided by your executives. It could be diabetes, hypertension, thyroid, asthma etc. All this increase ends up being a burden for the consumers, making healthcare unaffordable for many. HDFC ERGO's Health Card is provided once you have bought the Health Insurance Policy by HDFC ERGO. This health insurance plan gives you a much higher cover at a lower premium. Stay Home ! Also, some health insurance policies ask for it only if you have a pre existing illness or you are above 40 years old. Like. Hence, we cover diagnostic expenses incurred on X-ray, MRI, ultrasound, blood investigations etc. App works on android phones/ tablets with minimum KitKat or higher version of Android. If you think of buying a health insurance plan with a low premium then there are high chances that you may miss out critical coverage. Get access to your policy documents, brochure etc in our my:health services mobile application. Looking at the list of coverage and benefits before buying a health insurance plan is important and should not be overlooked. Cumulative Bonus as the name goes is the bonus/ reward that one gets for remaining fit and not filing a claim. Simply Download the HDFC ERGO mobile app from your App Store or Google Play Store. Here are some of our other insurance policies that we think are good fit for you. 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. Secondly, if you do not make claims post buying a health insurance cover you get cumulative bonus, which gives you hike in sum insured without charging extra premium as a reward for staying fit. With the development in technology, treatments and the availability of more effective medicines the cost of healthcare has steeply increased. Mediclaim process is the modern day reimbursement process, wherein you raise a claim post discharge by submitting original invoices and treatment documents. Some companies do not offer health cover during initial probation period. 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Your parents care for you always. Click Here. You can claim up to ₹ 5,000 every budgetary year as expenses incurred for preventive health check-ups. The above mentioned coverage may not be available in some of our Health plans. You need to check your policy document and enroll your family members by mentioning their name and age to get them covered. Just like every other health insurance plan, we also cover your hospitalization expenses such as room rent, ICU, investigations, surgery, doctor consultations etc due to illnesses and injuries seamlessly. Health Insurance Plan - HDFC Bank's provides critical illness & accidental insurance plans in India to provide best treatment to you & family. 1 Lakh subject to a max of Rs. Now you can avail consultation from doctors and specialists at your fingertips absolutely free! 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. Employee group insurance does not have any pre-existing waiting period. If you have not made claims then you get a cumulative bonus, which is increase in sum insured without paying for the same. However, if in past you have ever been diagnosed with any disease, birth defects, undergone surgery, or cancer of any severity it is important to inform your medical insurance company. To answer all your queries let’s read more to decode the hacks to get the right health insurance plan. Comments 0. You can add or remove optional/add on cover at the time of renewal. Introduced by the Arabs and Persians, around the eleventh century, Unani is one of the most crucial alternative therapies in India. Hence, it is important to have a good health insurance plan that caters to rising medical expenses. You are a confident and independent woman willing to secure your health. Correspondingly, it is equally important to calculate the health insurance premium. Your policy PDF copy comes right into your mailbox as soon as you pay the premium online and you get your policy within a few seconds. 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. Our health insurance plans are designed keeping in mind the growing medical needs and rising inflation. Yes. 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. However, our health insurance plan does not cover venereal or sexually transmitted diseases. Buy Now. Due to the high cost of hospitalization expenses, it is important to have a health insurance plan in place. Yes. You must also look at the customer base and claim paying ability to know if the brand will honor the claims that you may make in future. How to choose the best health plan online? This is the most basic health insurance plan that everyone must-have. For more details on the risk factors, terms and conditions, please read the sales brochure/ prospectus before concluding the sale. Get yourself a health insurance plan now. You can do so by visiting the official website of HDFC Ergo and click on ‘Health Insurance Premium Calculator Online’ or you can contact experts at InsuranceDekho at 7551196-989. Fill up the pre-auth form at the network hospital for cashless approval, Once hospital intimates us, we send you the status update, Hospitalisation can be done on the basis of pre-auth approval, At the time of discharge, we settle the claim directly with hospital, You need to pay the bills initially and preserve the original invoices, Post hospital discharge send us all your invoices and treatment documents, We verify your claim related invoices and treatment documents. Yes. I have purchased the HDFC ergo life insurance policy in the year 2015. All this increase ends up being a burden for the consumers, making healthcare unaffordable for many. Portability helps you change your health insurance plan so that you don't have to again go through a fresh waiting period term instead smoothly move from one insurer to another if your current plan is not helping you cover rising medical costs. 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. You can only if your child is an Indian citizen. Buy health insurance policy online! IRDAI Registration Number : 146 (Registration type: General Insurance Company). Higher health cover at pocket-friendly premiums. It was activated for a year. change in spelling of name, contact number etc. At HDFC ERGO, we have a huge network of 10,000+ cashless network hospitals. for your parents who may or may not be senior citizens. This Health Card is the proof of his Insurance if he doesn't want to carry the Policy. Here's presenting "TeleClinic" - a virtual doctor consultation service on the HDFC ERGO Insurance App ! Whenever you plan have a surgery there are certain pre hospitalization expenses such as diagnosis cost, consultations etc similarly post discharge there could be similar expenses to monitor the health of the insured patient, such expenses are termed as pre and post hospitalization expenses. Or else you may have to get a travel insurance for students. Tax benefits are as per the Income Tax Act, 1961, and are subject to amendments made thereto from time to time. When you wish to hold on to your faith in the healing powers of Ayurveda, Unani, Siddha, and Homeopathy choose HDFC ERGO Health Insurance as we offer hospitalisation cover, if you wish to take treatment under these natural alternative therapies. You can include your child post 90 days of birth up to 21 years. Customer Happiness Center : D-301, 3rd Floor, Eastern Business District LBS Marg, Bhandup (West), Mumbai - 400 078. 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. You can also avail long term policy discount on buying a health insurance for more than 2-3 years. Visit www.hdfcergo.com for your nearest network hospital. Now you can avail consultation from doctors and specialists at your fingertips absolutely free! Acts as a magical tool to bring back the exhausted sum insured covering future hospitalization that may happen in the same policy period. So any hospitalization incidence would be covered from day one. This Health Card consists of Insured's name/names (in case of family floater policy). If you already have health insurance or a corporate health cover and wish to get a wider cover at a low premium then a top-up plan works best. Health Insurance is a medical coverage that helps you meet your medical expenses by offering financial assistance. Reply as Brand. The announcement was made by health minister Rajesh Tope on Thursday. Apply to the entire family Min Rs buy a health insurance policy in the late 20s or early with! Gone a step ahead to offer you a large network hospital offer facility... The burden of rising medical costs ) operations some point of time in.. Age to get financial support at the comfort of your health insurance this Benefit acts like a backup! Cover during initial probation period disease sublimit ; this is our most-recommended plan for parents offer lifelong &... 80D of the policy it does n't want to cover more than 2-3 years travel &.... 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