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HDFC ERGO Health Insurance Premium Calculator

Calculating HDFC Ergo Health Insurance premium is now easier than ever with InsuranceDekho’s Health Premium Calculator. You may quickly determine the cost of your insurance by providing a few basic details, such as your age, the number of people you want to insure, the add-ons you want, and any existing medical conditions you need to have covered.

The calculator will provide you with an instant estimate of your HDFC Ergo Health Insurance premium once you enter the coverage quantity and policy term that you have selected. With this insightful information, you will be able to choose your health insurance wisely. In order for you to choose the cost that best fits your needs, it will also provide you with an approximate estimate of your coverage.

Health Insurance Calculator

Whom do you want the insurance for ?

You
Couple
Family
Father
Mother

Select the age of all members

  • You

Where do you live ?

Choose required Coverage for yourself?

5 Lac
10 Lac
25 Lac
Disclaimer : Actual Premium might vary basis your location, age and number of members

HDFC ERGO Health Insurance Plan List

  • Individual (1)
  • Family (2)
  • Woman (2)
  • Parents (2)
  • Blood Pressure (2)
  • Kids (2)
  • Thyroid (2)
  • Diabetes (2)
  • Cover

    5 Lakh

    Cashless Hospital

    11693

    Starting From 1,391/month*

  • Cover

    5 Lakh

    Cashless Hospital

    11693

    Starting From 1,312/month*

Features of HDFC Ergo Health Insurance Premium Calculator

The following are the primary features of the HDFC Ergo Health Insurance Premium Calculator:

  • Instant Premium Estimation: If you want to skip the tiresome process of figuring out how much health insurance will cost, the HDFC Ergo Premium Calculator provides a quick and easy alternative. Customers can provide a few basic details to receive an estimate of the premium cost in a couple of seconds.
  • Convenience: The HDFC Ergo Premium Calculator allows customers to make selections without needing drawn-out conversations with insurance brokers. You can easily research different coverage options, compare premiums, and make decisions from the comforts of your home.
  • Policy Suggestions: Using customer input to suggest suitable health insurance plans, the Premium Calculator offers helpful information. This will enable you to select the best health insurance plan for your needs and make well-informed selections.
  • Customisable Parameters: Customers have many options while using the HDFC Ergo Premium Calculator. With the calculator, users can change a number of parameters to determine the ideal ratio between premium amounts and overall coverage.
  • Transparent Filtering: The HDFC Ergo Premium Calculator allows you to choose and adjust premium quotations according to your preferences. By letting you weigh your options, being upfront and honest will assist you in making better judgments.

Factors Affecting Premium Calculations

Some of the factors influencing the price of your HDFC Ergo health insurance policy are listed below:

  • Age: Younger people often have lower insurance expenses than older ones since they are less likely to need serious medical care.
  • Health Status: The amount that an individual must pay for medical insurance depends on several factors, including their overall health, past medical history, pre-existing conditions, and current health. Better-health individuals might pay less in premiums.
  • Geographical Area: An insured person's health insurance premium may vary depending on the city or neighborhood in which they live. This is due to variations in infrastructure and healthcare expenses.
  • Family Dimensions: A health insurance policy's coverage can significantly affect the premium amount. Generally speaking, larger families have higher premiums since more possible claims exist.
  • Add-ons: Also called riders, these offer extra protection on top of what your primary insurance policy covers. Benefits like maternity coverage, critical illness insurance, and daily cash allowances may be among them. Adding add-ons broadens your coverage but raises your membership fee.
  • Sum Insured: The highest amount that the health insurance company will cover for approved medical expenses during the policy is referred to as the sum insured. As the amount insured grows, the payment will also increase proportionately.
  • Policy Type (Fresh or Port): HDFC Ergo Health Insurance may provide discounts when a fresh policy is purchased. The price may increase if you're switching from another insurance provider to HDFC Ergo Health Insurance for your current plan.
  • Tenure Opted: The term "policy tenure" refers to the duration of a health insurance policy. Longer insurance tenures often yield marginally cheaper yearly rates when compared to shorter policy tenures.

Premium Calculator Methodology

The several methods used to determine premiums are as follows:

  • Base Premium: The basic premium is the first amount used to determine your health insurance premium. A few factors that influence the base premium for your HDFC Ergo health insurance are your age, the duration of the policy, the entire amount covered, and the kind of coverage you select. Older people or those who select higher coverage levels will often pay higher basic rates than younger people with lesser covered sums.
  • Loading Factors: Loading factors are additional expenses added to your base rate according to pre-established risk standards. Your medical history, pre-existing problems, riders or add-ons, lifestyle choices (including drinking or smoking), employment, and location are a few of these variables. If you already have a medical condition, your premium will be greater overall because of the extra loading charges.
  • Discounts: HDFC Ergo offers financial aid to help clients buy health insurance. A number of factors, such as getting longer-term insurance, adding more family members to a single policy, leading a healthy lifestyle, etc., may affect these savings.

Health Insurance Coverage Calculator

Who do you want to insured ?

  • Individual
  • Couple
  • Family
  • Parents

Age of eldest insured member ?

Where do you live ?

Metro
Non-Metro
Disclaimer : Actual Coverage might vary basis your location, age and number of members

HDFC ERGO Health Insurance Top Up List

  • Top-up (4)
  • Family (1)
  • Individual (1)
Name of PlanSum Insured
Optima PlusMin: 91 Days; Max: 65 Years5 Lakh Check Premium
my: Health Medisure Super Top-upMin: 3 Months; Max: 65 Years3 Lakh Check Premium
Optima SuperMin: 91 Days; Max: 65 Years5 Lakh Check Premium

How to Use the HDFC Ergo Health Insurance Premium Calculator?

The following steps are involved in using the HDFC Ergo Health Insurance premium calculator:

Step 1: Click on "Health Insurance" on the official InsuranceDekho website.

Step 2: Click "View Plans" after entering your name and cellphone number on the following screen.

Step 3: After providing the required information in the pop-up window, such as family size, Pincode, and pre-existing ailments, click "View Plans" once more.

Step 4: After narrowing down your search with the aforementioned filters, you should be able to view the total cost of the particular health insurance plan that you have chosen.

FAQs

Ques 1. Is it possible to use the HDFC Ergo Health Insurance Premium Calculator to estimate rates for different coverage options or add-ons?

Ans: Yes, you can use the HDFC Ergo Health Insurance premium calculator to estimate premiums for different coverage options or add-ons.

Ques 2. Does the HDFC Ergo Health Insurance Premium Calculator include a breakdown of the premium cost including taxes and fees?

Ans: Yes, the HDFC Ergo Health Insurance price calculator offers a thorough explanation of the premium cost, including taxes and levies.

Ques 3. Can I contact InsuranceDekho for assistance or support if I have any issues using the HDFC Ergo Health Insurance Premium Calculator?

Ans: Yes, InsuranceDekho can assist you with any issues or questions you may have when utilizing the HDFC Ergo Health Insurance premium calculator.

Ques 4. What is the HDFC Ergo Health Insurance Premium Calculator?

Ans: The HDFC Ergo Health Insurance Premium Calculator is a useful tool for figuring out how much your health insurance policy will cost.

Ques 5. What factors affect the coverage premium under HDFC Ergo Health Insurance?

Ans: The amount that an HDFC Ergo Health Insurance policy will cost depends on some factors, including age, health status, family size, location, total covered, add-ons selected, and others.

Health Insurance News

FAQs

  • How do I calculate my HDFC Ergo premium?

    Calculating the HDFC Ergo premium is quite easy. You can do so by visiting the official website of HDFC Ergo and click on ‘Health Insurance Premium Calculator Online’ or you can contact experts at InsuranceDekho at 7551196-989. 

  • How do I pay my HDFC Ergo premium?

    Premium payment at HDFC Ergo is not at all a task. You can make payment through net banking, credit/debit card, cheque, UPI, or cash. For more information, initiate contact with InsuranceDekho experts at 7551-196-989.

  • How to use HDFC Ergo General Insurance premium calculator

    HDFC Ergo General Insurance premium calculator is very easy to use. You just need to visit insurancedekho website, then click on the 'Health' section and enter the details as required. 

  • What are the details required for using HDFC Ergo General Insurance premium calculator?

    Very basic details are required for using HDFC Ergo General Insurance premium calculator like your age, medical history, coverage details, your city, number of members insured and their age.

  • What are the factors affecting HDFC Ergo General Insurance premium amount?

    Premium amount for HDFC Ergo General Insurance is affected by factors such as your age, pre-existing diseases, family history, members insured and policy tenure.

  • How to compare health insurance premium using HDFC Ergo General Insurance premium calculator?

    The best method to do a premium comparison is by the means of using HDFC Ergo General Insurance Premium Calculator. With the help of a calculator you can perform comparison on the basis of coverage, PED waiting period, co-payment clause and restoration benefits.

  • What are the advantages of using HDFC Ergo General Insurance premium calculator?

    You get numerous benefits by using HDFC Ergo General Insurance premium calculator like convinence in comparison of various premium amounts, ease in financial planning, error free calculations and customization of coverage as per your requirements. 

  • What are the factors that will affect my premium for health insurance by HDFC Ergo?

    Your premium amount for the HDFC Ergo plan will be based on age, the number of people, pre-existing diseases, and family history. Note that the higher the age, the higher will be the premium. Also, the premium for individual coverage would be less in comparison to a family floater. 

  • What is the best way to compare premiums for health insurance by HDFC Ergo?

    The ideal way to perform a premium comparison and choose the best HDFC Ergo policy is the calculation of premiums, and comparing coverage as well as exclusions. 

  • How to calculate premiums of health insurance plans for parents offered by HDFC Ergo General Insurance?

    To calculate premiums of health insurance plans for parents offered by HDFC Ergo General Insurance, you can use InsuranceDekho’s health insurance premium calculator. It is a free tool that uses several factors to calculate the premium for health insurance plans for parents, including sum insured, policy term, add-on cover(s), members covered under the policy, pre-existing illnesses, etc.  

  • What are the benefits of HDFC Ergo General Insurance’s premium calculator?

    Following are the benefits of using HDFC Ergo General Insurance’s premium calculator:

    • It saves you from doing complex calculations of health insurance premium 
    • It gives you an estimate of the premium to be paid and hence you can do the financial planning well in advance
    • It allows you to add or reduce coverage features and choose the best ones in accordance with the premium.
  • What are the factors that affect the health insurance premium of HDFC Ergo plans?

    There are several factors that affect the health insurance premium of HDFC Ergo plans. These include sum insured, members to be covered under the policy, policy period, add-on cover(s), pre-existing illnesses, etc.

  • Do I have to pay GST on premiums paid for HDFC Ergo plans?

    Yes. You will be required to pay GST at the rate of 18% on premiums paid for health insurance plans offered by HDFC Ergo General Insurance. 

  • How to lower premiums for HDFC Ergo plans?

    To lower the health insurance premiums for HDFC Ergo plans, you must follow the tips given below:

    • Purchase top-up plans for extended coverage at affordable premiums
    • Be informed when choosing deductibles and co-payment
    • Buy health insurance policies on floater basis instead of an individual basis.

User Reviews

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What users are saying
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  • Customisation Options

    I liked that I could customise my health insurance plan to fit my specific needs. InsuranceDekho offers a lot of flexibility in terms of coverage and add-ons. Purchasing HDFC Ergo Health Insurance was quick.

    A
    HDFC ERGO
    By Anita Singh
    On: Jul 04, 2024
  • The affordable plan

    The health insurance plans offered by HDFC ERGO combine affordability and thorough coverage. Their policies are open and honest, devoid of any surprises or obscure language. InsuranceDekho’s easy process of choosing HDFC ERGO's health insurance made my future secure. Their commitment to client satisfaction is what makes them stand out; their support staff is always on hand to quickly resolve any questions or issues.

    M
    HDFC ERGO
    By Mukesh Yadav
    On: Jun 25, 2024
  • Comparison between plans was v...

    Using InsuranceDekho to obtain HDFC ERGO Health Insurance was a great decision. The website facilitated plan comparison, and the transaction was seamless. The customer service is excellent and the coverage is comprehensive. Extremely happy!

    V
    HDFC ERGO
    By Varsha Agarwal
    On: Jun 24, 2024
  • Fast and easy process

    Needed health insurance pronto. InsuranceDekho's comparison tool saved me loads of time. Found a plan that fit my needs and budget perfectly. HDFC Ergo helped during the most crucial times.

    S
    HDFC ERGO
    By Satakshi Soni
    On: May 29, 2024
  • Customer care assistance while...

    In all honesty, my choice of HDFC Optima Secure Health Insurance proved to be a lifesaver. It provided me with immediate assistance by paying for my unforeseen hospital bills. The procedure went smoothly, and InsuranceDekho's assistance was first-rate. I urge everyone to purchase it!

    K
    HDFC ERGO
    By Kanishka Gupta
    On: May 21, 2024

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