HDFC ERGO Health Insurance Renewal

Listed below are the top factors affecting your renewal premium:

• Age: The policyholder's age significantly influences the renewal premium. Generally, as you grow older, the chances of higher renewal premiums increase.
• Inflation Impact: The inflation impact in the industry can contribute to an increase in the renewal premium. In other words, the renewal premium of HDFC ERGO health insurance might be adjusted by the company to match the rising costs in the healthcare industry.
• Policy Changes: Any changes in your HDFC ERGO health insurance policy can lead to an increase in the amount you pay during policy renewal.
• Claim History: Your history of filing health insurance claims, especially for substantial medical expenses, can impact the cost of renewing your HDFC ERGO health insurance. Frequent claims can result in a higher renewal premium.

For HDFC ERGO Health Insurance Renewal Date & Reminders, here's how you can check and stay informed:

How to Check the Renewal Date?

Following are the ways that can help you check the renewal date of your existing health policy:

• Check Your Policy: As an initial step, you must always check and review your HDFC ERGO Health Insurance document to find the policy renewal date. The expiration date is when you should renew.
• Check Website: As an alternative, you can check the InsuranceDekho or HDFC ERGO Health Insurance website to find your policy renewal date. After logging in and entering the required details, you can gain an insight into your policy details including the expiry date of your health insurance policy.
• Call Customer Support: Last but not least, you can contact the customer support team of InsuranceDekho or HDFC ERGO anytime to know when to renew your policy.

Note: If you forget to renew your HDFC ERGO medical policy on the expiry date, you can still renew it during the Grace Period provided by the insurer.

*Grace period refers to the extra time provided by an insurance company to policyholders after the payment deadline has passed so they can renew their coverage without incurring fines or having their policy lapse. The timeline of the Grace period differs from insurer to insurer.

Reminder Options

You can keep track of your policy renewal date effortlessly with these reminder options:

• InsuranceDekho Reminder: InsuranceDekho ensures that you stay informed about your HDFC ERGO health insurance policy renewal date by sending timely reminders through WhatsApp messages or emails,
• Email or SMS by the Insurer: You can also expect renewal reminders directly from HDFC ERGO via emails, or SMS alerts.

The benefits of renewing your health insurance policy are as follows:

• Continuity of Coverage: Renewing your HDFC ERGO medical insurance policy benefits you with the continuity of coverage, offering peace of mind during unforeseen situations.
• Free Health Checkup: Some health insurance companies offer free health checkups when you renew your health insurance policy. This additional benefit encourages you to prioritise your health and well-being.
• No Claim Bonus: By consistently renewing your health insurance policy without making any claims, you become eligible for a No Claim Bonus. This bonus allows you to enjoy a discount on your premium during the renewal process.
• Long-Term Tenure Discounts: If you choose to renew your policy for a long duration, you may qualify for a long-term tenure discount. This discount will provide health insurance coverage at a lower price when renewing for an extended duration.
• Wellness Benefits Discounts: Some insurance providers offer Wellness Benefits at the time of policy renewal. This discount is offered as a reward for maintaining good health.
• Reduced Waiting Period: When you renew your health insurance policy, some insurers offer a reduced waiting period as a benefit. This means that certain waiting periods for specific treatments or pre-existing conditions may be shortened or waived off.

Failure to renew your HDFC ERGO policy can lead to the following consequences:

• Loss of Health Coverage: If you fail to renew your health insurance, you will face the immediate loss of health coverage which in turn will expose you to unexpected medical expenses.
• Financial Risks: Without insurance coverage, you may have to bear the entire cost of medical treatments alone, posing a financial risk and impacting your long-term financial well-being.
• Reapplication Process: Missing the renewal deadline gives rise to a time-consuming reapplication process. It might also involve increased premium rates based on your current health status.
• Risk of Pre-existing Condition Exclusion: Non-renewal of your medical insurance introduces the risk of exclusions for pre-existing conditions in the future. This implies that certain health issues might be left uncovered during a lapse in coverage.
• Waiting Period: Not renewing your policy on time results in the forfeiture of waiting period benefits gained. This means that coverage for specific health issues, which would have been available after completing the waiting period, becomes delayed or unavailable.

Listed below are the factors that policyholders must keep in mind while renewing their HDFC ERGO health policy:

• Verify Policy Details: Thoroughly examine the sum insured, inclusions, and exclusions in your HDFC ERGO health insurance policy. Check whether the policy aligns with your current healthcare needs and be attentive to any policy term changes that may affect your coverage.
• Utilise No Claim Bonus (NCB): Don't forget to evaluate the impact of the No Claim Bonus on your health insurance policy and use it to maximise the benefits of your policy.
• Review Waiting Periods: Carefully assess waiting periods for specific illnesses and treatments, including initial and pre-existing condition waiting periods.

Documents Required For Renewal

When renewing your HDFC ERGO medical insurance, you will need the following documents:

• Filled and Signed Policy Renewal Form
• Previous Policy Details or Policy Number
• ID Proof - Aadhaar Card, Voter ID, or Passport
• Address Proof - Rental Agreement or Utility Bill
• Medical Check-up Reports
• Income Proof (for high sum insured policies)
• Claim History

When renewing your policy, you can choose to make the payment using any of the following modes:

• EMI (Equated Monthly Instalments) or yearly payment
• Credit Card
• Debit Card
• Digital Payment Applications, if applicable

You have the option to renew your HDFC ERGO Health Insurance policy through either the Online or Offline method.

Online Procedure

The online procedure to renew an HDFC ERGO health policy offers two options i.e. with InsuranceDekho or with the Insurer:

Online Procedure of HDFC ERGO Health Policy Renewal with InsuranceDekho

To renew your HDFC ERGO Health Insurance policy through InsuranceDekho, follow these simple steps:

Step 1: Visit the official InsuranceDekho website and select "Support" from the top bar [1]

Step 2: Click on "Renew Policy" from the dropdown list

Step 3: Enter your mobile number in the provided field and click "Send OTP"

Step 4: On logging in with the OTP, you can access your HDFC ERGO health policy details

Step 5: Click the "Renew" button to renew your policy

Step 6: Lastly, complete the payment to finalise the policy renewal. After successful payment, your HDFC ERGO medical insurance policy will be renewed successfully

Online Procedure of HDFC ERGO Health Policy Renewal via the Official Site

To renew your HDFC ERGO health insurance policy online, follow these steps:

Step 1: Visit the HDFC ERGO policy renewal page [2]

Step 2: Enter your policy details on the renewal portal like policy number, registered email ID, or mobile number, and click on "Renew Now"

Step 3: Now, the premium for renewal will be generated. Proceed to make the payment to complete the renewal process

Step 4: Once the payment is successful from your end, your policy will be renewed and you will recover the confirmation of the same on your email ID

Why Renew with InsuranceDekho?

• Unbiased Advice: Rely on InsuranceDekho for unbiased insurance advice customised to your needs
• Renewal Reminders: Stay updated with our timely renewal reminders for informed decisions on your health insurance renewal
• Support Throughout: Count on InsuranceDekho for hassle-free policy renewals and modifications
• Port Feature: If dissatisfied, we offer a port facility, allowing you to change your insurance provider

Offline Procedure

When you opt for the offline process to renew your HDFC ERGO Health Insurance policy, you have two options:

• Home Assistance by InsuranceDekho: You can request a home assistance service by asking for a visit from InsuranceDekho's Relationship Manager, who will assist you in the renewal process.
• Visit the Insurer's Branch Office: Conversely, you can choose to visit the insurer's branch office in your city. The company’s staff will assist you throughout the renewal process.

When renewing an expired HDFC ERGO Health Insurance policy, consider the following details:

• Eligibility: HDFC ERGO medical insurance provides a grace period of 15 - 30 days for policy renewal. This provides policyholders a window to renew their policy even after the expiry date.
  *The grace period might differ depending on the policy you choose, ranging between 15 to 30 days.

• Condition: If your health insurance policy expires and you renew it within the grace period, be mindful that there will be no coverage during the gap between the expiry date and the renewal date. This signifies that any medical expenses incurred or claims made during this interval won't be covered by the insurance company.
  Example: If your HDFC ERGO health policy expires on 1st September, the grace period will extend till 16th September (if the grace period is 15 days). Now, if you get your health insurance policy renewed on 10th September, no coverage will be provided from 1st September to 9th September, as the insurance provider will not be liable for any claims or expenses during this gap period.
• Premium: The premium for renewing an expired HDFC ERGO policy generally remains the same and might change only if you have opted for add-ons, shifted to a new city, or your age bracket has changed.
• Renewal Process: To proceed with renewing your HDFC ERGO Health Insurance policy, follow the same renewal process as outlined in the previous section.

If you're not happy with your present insurance provider, you can take the following actions:

• Talk About Problems During Renewal Contact: When the InsuranceDekho renewal team gets in touch with you, use the time to talk about the problems you are experiencing. This enables you to look for solutions or evaluate possible policy changes that will better meet your demands.
• Port Your Coverage: You can also use InsuranceDekho's port feature to transfer your current health insurance policy to a different insurer of your preference.
• Speak with an InsuranceDekho Advisor: You can get in touch with an InsuranceDekho advisor by emailing support@insurancedekho.com or by calling +91-7551196989. [3]

The common myths related to policy renewal are listed below along with the actual facts behind them:

Myth 1: Premiums Always Increase with Each Renewal

Fact: Many people think that health insurance premiums go up every time they renew their policy. But that's not true. In reality, health insurance premiums don't increase automatically. Instead, changes in age brackets or specific situations, like adding extra coverage or moving from a smaller city to a larger one, may cause alterations in the premium.

Myth 2: No Need to Review Policy Terms During Renewal

Fact: Policyholders often believe that policy terms stay the same, so there's no need to check them during renewal. However, insurance policies can change. One should always be aware of any policy modifications to make sure that coverage still meets their requirements.

If you encounter any difficulties during the renewal process of your HDFC ERGO Health Insurance policy, feel free to reach out to the customer support team of HDFC ERGO General Insurance Company Limited and InsuranceDekho. The contact details of both are included below:

Contact HDFC ERGO Health Insurance

• Initiate contact through WhatsApp by sending a message saying "Hi" to 8169500500
• Contact us at either 02262346234 or 012062346234
• Request a Call Back by filling out a form [4]

Contact InsuranceDekho

If you need any help with renewing your HDFC ERGO policy, don't hesitate to reach out to InsuranceDekho's customer support team:

• Drop an email to support@insurancedekho.com
• Call InsuranceDekho's helpline number at 755 1196 989 [5]

1. https://www.insurancedekho.com/
2. https://www.hdfcergo.com/renew-hdfc-ergo-policy
3. https://www.insurancedekho.com/contact-us
4. https://www.hdfcergo.com/customer-voice/customer-care
5. https://www.insurancedekho.com/contact-us