Health Insurance

All HDFC ERGO health insurance plans cover diagnostic charges during hospitalization, pre-hospitalization and post discharge as well.

Yes. Once your specified waiting period is over you will get coverage for your pre-existing illnesses. Read this blog, to know more on coverage for pre-existing diseases.

You need to check your policy document and enroll your family members by mentioning their name and age to get them covered.

Buying online health insurance is no different than purchasing it offline. In fact buying online health insurance is quick and hassle-free. A cashless card via courier/postal services is provided to you. To know more, visit the company website or dial customer care number.

Important medical expenses such as blood investigations, diagnostic charges such as CT scan, MRI, sonography etc. are covered. In certain cases, hospital room rent, bed charges, nursing charges, medicines and doctor visits etc can also be covered.

Yes. It depends on the policy terms and conditions. However, most health insurance companies offer coverage for modern treatments and robotic surgeries.

Yes. Your HDFC ERGO Health Insurance Policy covers hospitalization expenses for Corona Virus (COVID-19). We will pay the below medical expenses for hospitalization during the policy period for treatment of COVID-19:

In the event you are admitted to a hospital for over 24 hours, your medical bills would be covered by us. We would take care of:

• Stay Charges (Isolation Room / ICU)

• Nursing charges

• Treating Doctor Visit Charges

• Investigations (Labs/Radiological)

• Oxygen / Mechanical Ventilation Charges (if required)

• Blood / Plasma Charges (if required)

• Physiotherapy (if required)

• Pharmacy (except non-medicals/consumables)

• PPE Kit charges (as per government guidelines)

No, home isolation is not covered in our Health policies. You can only file a claim for medical treatment undertaken at a hospital or nursing home. The treatment should be on the advice of and be actively managed by a qualified doctor.

The testing charges will only be covered in case of hospitalization for each insured member(s) covered under the policy.

Does not worry if your policy expires during hospitalization because you get a grace period of 30 days post the policy lapse. However, if you do not renew your policy within the grace period and hospitalization happens post grace period then you will have to pay for the medical expenses.

At the start of every health insurance policy, waiting periods are applied. This doesn't change with renewal. However, with every renewal , the waiting period is waived off until you reach a time when you have no waiting period and the coverage includes most of the treatments.

If your child is an Indian citizen, then you can purchase a health insurance policy. If not, you should opt for student travel insurance for your child.

Tobacco users are prone to higher health risks. If tobacco is consumed in any form, the chances of an individual developing some health issue later in life is higher, and this means you might have to claim the treatment cost. So, these individuals are categorized as high-risk by the insurance company and high premiums are charged from them.

The bonus/ reward that one gets for remaining fit and not filing a claim is known as a cumulative bonus. The cumulative bonus benefit is given in the renewal year by increasing the sum insured amount only up to a certain year for every claim-free year. This helps you to get a higher Sum Insured without paying anything extra.

Many companies may offer a family discount if you cover 2 or more family members under a single health plan on an individual sum insured basis. Even long term policy discounts can be availed on buying health insurance for more than 2-3 years. Some insurers also give fitness discounts on renewals.

No. Only Indian citizens can purchase Health insurance plans in the country.

If a health insurance plan is cancelled within the free look period ,you will get your premiums refunded, after adjusting underwriting cost and pre-acceptance medical costs, etc.

You can raise a claim as many times you want, until you exhaust your sum insured amount. The best way is to buy plans that help you by restore the sum insured once it gets exhausted. This helps you register more claims in a year.

Yes. A pre-authorization request for cashless claim can be rejected if the policyholder files a claim for an ailment/disease which is either excluded, falls in waiting period or if the sum insured has been already used up.

In case of reimbursement claims, the insurance company needs to be informed within a period of 30 days post discharge.

The percentage of the number of claims that the insurance company paid out during a financial year out of the total claims incurred is known as claim settlement ratio (CSR). It reflects if the insurer is financially secured enough to pay for its claims.

Your policy period continues as usual, but the amount you claimed for gets deducted from your sum insured. Post renewal of the health insurance plan, your sum insured again gets back to the amount you had opted for at the time of renewal.

It depends on the policy terms and conditions. Say, if you have a health cover of ₹1 crore, this helps you take care of all the possible medical expenses.

A cashless claim request can be raised by contacting the insurance department at the network hospital or your health insurance company. For reimbursement claims, post discharge, you need to send the invoices to your insurance provider.

Within 30 days post-discharge. A claim should be raised with the insurance provider as soon as possible, without any delay.

Mediclaim process is the modern day reimbursement process, wherein you raise a claim post discharge by submitting original invoices and treatment documents.

Waiting periods depend on the policy terms and conditions. There is a waiting period for specific ailments/diseases which could be for 2-4 years.

You can visit www.hdfcergo.com or call our helpline 022 62346234/0120 62346234 Read more on how to claim health insurance for covid-19 here.

Whenever you get admitted at a non-network hospital you have to pay the bills first and later claim for reimbursement. HDFC ERGO has nearly 16000+ˇ cashless network.

The following documents required:

1. Test reports (from Govt Approved Laboratories )

2. Bills for the tests underwent

3. Discharge summary

4. Hospital bills

5. Medicine bills

6. All payment receipts

7. Claim form

Original documents to be submitted

You can renew health insurance policies within a few minute. Click here to renew instantly.

Yes. You can port your health insurance policy with any other insurer without impacting your waiting periods.

Waiting period is fixed at the inception of the policy it is not dependant on the sum insured. Hence, even if you increase your sum insured your waiting period continues until you keep renewing to get away with the waiting period term.

Yes. If you have not made claims then you get a cumulative bonus, which is increase in sum insured without paying for the same. You can also get fitness discount if your health parameters such as BMI, diabetes, Blood pressure is improved.

Possibly yes. If you have not renewed your policy within the grace period then there are high chances that your policy may lapse.

Yes. You can add or remove optional/add on cover at the time of renewal. This is not permitted during the policy tenure. Read this blog for more information.

Usually it takes not more than 5 minutes but you need to keep details such as your policy number and other information ready.

You get a grace period of 15-30 days to renew your health insurance policy. You need to renew within that period. But, if your grace period is also over then your policy will expire. Then, you have to buy a new policy with a fresh waiting period and other benefits.