HDFC ERGO Health Insurance Benefits

The following list includes a handful of the special characteristics that offers under HDFC Ergo health insurance plans:[1]

• One Claim Settled per Minute: HDFC Ergo handles insurance claims efficiently, processing and approving one claim per minute on average. Customers are reassured and their financial burden is lessened as a result.
• Worldwide Coverage: The insurance policy covers medical expenses anywhere in the world. The HDFC Ergo health insurance covers emergency procedures. Plans for treatments or consultations, however, will not be reimbursed.
• 4X Coverage: At no extra expense, the policy provides coverage four times the standard sum insured amount. With the same amount of premiums paid, policyholders can receive greater coverage thanks to this benefit.
• Restoration Benefit: This benefit reinstates your coverage amount for the remaining portion of the policy year if you use up all of your insurance coverage within the policy year. Even if you use up all of your sum insured throughout the insurance year, you can still receive medical coverage thanks to this advantage.
• Aggregate Deductible: You can receive savings of up to 50% if you choose to pay a little bit more per year. Furthermore, when five years have elapsed, you have the amazing power to have your selected deductible waived at the HDFC ergo insurance renewal for this policy.

The following are a few advantages of acquiring HDFC Ergo Health Insurance:

• Benefits for Taxes: Purchasing health insurance might result in tax savings because the premium you pay is deductible from your taxes. Policyholders of HDFC Ergo health insurance are eligible for tax benefits of up to Rs. 1 lakh.
• Renewal Benefit: You can receive additional benefits, such as an increase in your sum insured, each time you renew your policy without filing a claim. Free health examinations are provided by HDFC Ergo as part of this benefit within 60 days of renewal.
• Rapid Claim Approval: HDFC Ergo guarantees prompt claim processing so you can obtain the necessary medical coverage without having to wait a long time. After filing, the claim is approved in 38 minutes.
• Mental Healthcare: Under HDFC Ergo, your insurance helps you take care of your general well-being by covering both physical and mental health services. Taking care of mental health issues is also very important to HDFC Ergo health insurance.
• Recovery Benefits: If a policyholder is admitted to the hospital for an extended period(more than 10 days), they will receive extra money to aid in their recovery and cover additional costs. This benefit, offered by HDFC Ergo, pays for all of your household's expenses while you are hospitalized for longer than ten days.
• Lifetime Renewability: There are no age restrictions on your ability to renew your health insurance policy for the rest of your life. The majority of HDFC Ergo's plans have no departure age, giving you lifetime access to medical care.
• Multiplier Benefit: Your sum insured will rise by 50% for each year without a claim, providing you with more coverage at no additional expense. Customers benefit from increased coverage and additional financial support when they file a claim thanks to this.

Ques 1. Does HDFC Ergo Health Insurance provide coverage for illnesses that were diagnosed earlier?

Ans. Yes, following a 2-year waiting period, pre-existing disease coverage is provided by HDFC Ergo Health Insurance.

Ques 2. Is it possible to make cashless claims with HDFC Ergo Health Insurance?

Ans. In the network hospitals of HDFC Ergo Health Insurance, cashless claims are accepted.

HDFC Ergo is known to resolve 1 claim per minute.

Ques 3. Does the benefit of adding riders and add-ons to the current policy apply to HDFC Ergo Health Insurance?

Ans. Yes, HDFC Ergo Health Insurance provides a feature that allows you to add riders to your current policy to improve with additional coverage and perks.

Ques 4. Are organ donations covered under HDFC Ergo Health Insurance policies?

Ans. Yes, HDFC Ergo Health Insurance covers the costs associated with organ donation. On the other hand, the insured receiver must pay for the organ transplant from the donor.

Ques 5. Does dental coverage come with HDFC Ergo Health?

Ans. Yes, Dental coverage is provided by HDFC Ergo Health Insurance under two of its policies. The HDFC Ergo Comprehensive Insurance Plan and HDFC Ergo Outpatient Care Insurance Policy are the plans that cover this benefit.