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With CHOMP, give your teeth the justice they deserve. CHOMP from HDFC ERGO is a first-of-its-kind group dental insurance plan that covers dental treatments like fillings, gum treatments, extractions, root canal treatment, etc.
Health insurance policies in market covers dental treatment arising out of accidental injuries and requiring hospitalization. For all other dental treatments customer has to pay from his/her pocket. This product is intended to fill that gap in your health insurance policies.
Multiple plans can be designed with below dental treatments (The description for the treatment covers mentioned here is only to aid understanding of the offered cover. In case of dispute, the Terms and Conditions detailed in the Policy Document shall prevail)
Teeth are not capable of self-healing and hence damage caused to teeth due to a chip, crack or cavity requires treatments. This benefit provides coverage for dental treatment like Fillings
Gums and bone around your teeth are like the foundation of a house. Just like a house, the foundation must be strong. Similarly, bacterial infections in your gums and supporting structures should be kept at bay to keep that beautiful smile. This benefit provides coverage for gum related dental treatments
Toothache can make life pretty miserable and there is nothing more painful than an unexpected dental bill. This benefit provides coverage for dental treatment like Root Canal and Crowning
If any teeth are missing or damaged, dentist may recommend “bridging” the gap to replace that missing tooth/teeth with a false tooth/teeth. This benefit provides coverage for dental treatment like Bridges, Partial Dentures or Complete Dentures (accident only)
This benefit provides coverage for small surgeries like removing wisdom teeth, grossly decayed teeth etc.
This benefit provides coverage for dental surgeries requiring hospitalization
This benefit provides coverage for dental surgeries arising out of an accident requiring hospitalisation
Value added services is available only in our Health Service Provider Network
The sole purpose of buying CHOMP is to get financial support at the time of dental medical emergency. Hence, it is important to read the below steps to know how CHOMP claims process works differently for cashless claims and reimbursement claim requests.
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
We send the approved claim amount to your bank account.
Visit the claims section on our portal www.hdfcergo.com and go to Chomp section
Login with your registered mobile number and book an appointment with the nearest dentist
Avail cashless dental treatment at the network clinic
Dentist will send the cashless request to HDFC ERGO
HDFC ERGO will scrutinize all the received documents and convey the final stand on the claim
Visit the claims section on our portal www.hdfcergo.com and go to Chomp section
Login with your registered mobile number and upload the necessary documents in the reimbursement section
Once you have shared the documents, HDFC ERGO doctors team will review all the documents. Post satisfactory receipt of all necessary documents the claim will be processed in 7 days from the time of last document is received as per Terms & Conditions by HDFC ERGO.
Health insurance policies in market covers dental treatment arising out of accidental injuries and requiring hospitalization. For all other dental treatments customer has to pay from his/her pocket. This product is intended to fill that gap in your health insurance policies.
This is a group health insurance product, hence it cannot be sold to an individual customer directly. It can only be sold through an organization
Chomp covers dental treatments on both outpatient and inpatient basis. Under outpatient it covers treatments like Fillings, Root Canal, Extraction, Gum Inflammation etc. Under inpatient it covers major surgeries requiring hospitalization
Yes, there are waiting periods ranging between 3 to 12 months under this product depending on the type of treatment
No, there is no requirement of undergoing dental checkup before buying Chomp
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