FAQs

Yes. 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. Looking at the medical inflation it is important to have a personal health insurance plan, which you choose as per your medical needs unlike a corporate health plan which is commonly designed for all employees.

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.

A pre-existing disease is a condition, ailment or injury that already exists at the time you buy a health insurance policy and these PEDs are generally excluded from the policy coverage for an initial waiting period. It could be diabetes, hypertension, thyroid, asthma etc

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 . However, you may have to pay certain deductibles or non medical expenses at the time of discharge.

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.

Yes, you may have to undergo medical tests before buying a health insurance. Also, some health insurance policies ask for it only if you have a pre existing illness or you are above 40 years old.

You can add your family members at the time of buying the policy or at the time of renewal.

You can include your child post 90 days of birth up to 21 years.

You get to pay a lower premium and higher benefits. Probability of having a pre-existing illness is low hence waiting periods may also not impact you. Also, common illnesses such as flu and accidental injury can happen at any age so staying covered even when you are young is important.

Yes. You can always have more than one health insurance plan based on necessity and coverage requirements as every plan works differently and offer varied benefits.

Waiting period is the time span during which you cannot register a claim to avail some or all benefits of the health insurance from your insurance provider for a specified illness. This means you must wait for a specified amount of time before you make a claim.

During this free look period, you have the option of canceling your policy without penalty if you feel your policy is not beneficial. Depending on the insurance company and the plan offered, the free look period can be 10-15 days or even longer.

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. Always choose a health insurance company which has a large network hospital tie-up like HDFC ERGO has 10,000+ cashless hospital network.

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.

In case of a hospitalization cover we cover expenses like pre and post hospitalization expenses for your diagnostic tests, consultations and medicine costs. We also cover ICU, Bed charges, medicine cost, nursing charges and Operation theatre expenses widely.

You can buy a health insurance plan for yourself once you are 18 years old before that you can get yourself covered under family health insurance plan.

No. Health insurance cannot be bought individually by a minor, however the parents can cover the child under their family floater health insurance.

Whenever you get admitted at a non-network hospital you have to pay the bills first and later claim for reimbursement. Always choose a health insurance company which has a large network hospital tie-up like HDFC ERGO has 10,000+ cashless hospital network.

You can pay your policy premium through debit & credit card issued by your bank, internet banking, wallet/cash card, EMI, UPI (GPay, PhonePe, Paytm, etc.), QR code. Please note, we do not accept payment through any club card or diners' card.