Frequently Asked Questions

Having a health insurance policy covers any expenses you might incur due to hospitalization. This includes in-patient treatments, pre and post hospitalization charges, day care procedures, domiciliary treatments, etc. for additional details, head to the product page where the benefits are explained in detail.

All HDFC ERGO Insurance Plans are available online for purchase via various online payment options. Simply take our online journey for the product that suits you best & apply with just a few clicks.

HDFC ERGO provides a number of flexible health insurance policies that you can choose from based on your needs and requirements.

The My: Health Suraksha plan from HDFC ERGO provides cover for in-patient treatment costs, pre-hospitalization and post-hospitalization expenses, and such other major expenses.

The Health Suraksha Gold plan is an economical plan providing a cover for in-patient treatment costs, pre-hospitalization and post-hospitalization expenses without sub limits, maternity benefits, convalescence benefits and E-opinion.

The Health Suraksha Regain plan gives the additional benefits of automatic availability of sum insured upon its exhaustion offering you financial security with no sub-limits

There are a number of policies also available in addition to your health insurance policy

The my: health Medisure Super-Top-Up plan is designed to not only supplement your existing primary health cover but also can act as standalone insurance providing large health cover at lower premiums

The Critical Illness policy assures a right insurance policy in your hand which pays a lump sum benefit amount on the first diagnosis of any of the critical illness listed

The Critical Illness Platinum policy is your perfect savior covering 15 Critical Illnesses and providing a Lump Sum Benefit amount on its first diagnosis.

You can choose from various policies basing on your requirement. Determine whethere you want more health coverage and higher premium or lower premium and higher out of pocket cost and select the one that fits your needs best.

The premium for health insurance depends on factors like plan type, tenure of the plan, age, health adversities if any, sum insured, number of members covered, etc. There is an online premium calculator available on our website which you can use to calculate the amount payable for various health insurance policies.

HDFC ERGO’s health insurance plans are open to children from the age of 91 days. There is no limit for maximum age at entry.

The procedure to be followed for a claim settlement:

You need to register your claim within 7days of discharge.

The duly signed claim form and all the information/documents required need to be sent within 15days of the occurrence of the Incident. (Please refer to claim form for complete documentation.)

If there is any deficiency in the documents/information submitted, you will receive the deficiency letter within 7days of receipt of the claim documents.

On receipt of the complete set of claim documents, the payment for the admissible amount will be sent, along with a settlement statement within 30days.

(The payment will be sent in the name of the proposer.)

HDFC ERGO has a network of over 5000 hospitals which will provide you with cashless facilities. You will be provided a list of all the associated hospitals. You can also use our hospital locator to find all the associated hospitals in your area.