HDFC ERGO Health Insurance Review

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Our Verdict

HDFC ERGO health insurance( formerly known as Apollo Munich health insurance) offers colorful health insurance plans furnishing content for pre- andpost-hospitalization charges, diurnal cash, daycare procedures, free health checks, expert opinion, exigency ambulance, no room rent restriction, critical illness coveretc.

HDFC ERGO plans give reduction decoration benefits similar as family reduction and fidelity reduction in utmost of the programs. Both individual and family floater plans are available where the policyholder is eligible to choose a outside of six grown-ups and six children.

HDFC ERGO Health Insurance Highlights

Following are the crucial numbers handed by the company regarding their operations

Cashless Network Hospitals
Number of Policyholders1.5 crores
Tax Savings Up to INR
Claim agreement Rate 1 claim/ nanosecond
Claim agreement rate 97
Renewability Continuance renewability

Types of HDFC ERGO Plans

Optima Secure

This plan has been lately launched by the company. It provides consumers the option of adding the content four times at no fresh cost. This plan also has other benefits similar as no room rent circumscribing, cover benefit, which give content for cost of accoutrements , procedure charges and cost of disposables used in the treatment. It comes with both the individual and family content option with the sum ensured content ranging from INR 5 lakh to INR 2 crore.

Key Features :

Provides a secure benefit, where the base cover gets doubled as soon as the buyer purchase the policy
Offers the else benefit where there's 100 increase in content after two times.
Gives the ensured the benefit of restore content, where anytime when the ensured makes a claim of INR 10 lakh, whether partial or completely, gets 100 restored for any claims within the same time.
Offer cover benefit content where disposable particulars similar as PPE accoutrements , gloves, masks, which come undernon-medical charges are covered. Also covers the cost of disposables, procedure charges and cost of accoutrements .
Provides alternatee-opinion for nearly 50 illnesess, where the insured gets full content for any cost incurred in entering virtual discussion from the croakero f a network sanitarium.

Optima Restore- Family Plan

This is a family floater health insurance plan, which restores the sum ensured incontinently on partial or complete application of the health cover. It also offers a two times multiplier benefit, which means, 50 increase in introductory sum ensured only for every claim free time. This addition in the sum ensured quantum is subject to a maximum limit of 100. Let’s have a look at the features that optima restore family plan provides

Key Features :

100 introductory sum ensured is restored incontinently after the first claim partial or complete application of the health cover.
Provides 2X multiplier benefit where the ensured receives 50 growth in introductory sum ensured for each claim free time, subject to a maximum limit of 100.
preventative health check- ups over to INR at the time of renewal.
Provides diurnal cash of over to INR every day and outside of INR per hospitalization on concluding a participated accommodation in any of the networked hospitals.
Offers family reduction of 10 if two or further members are covered under this plan.

My Health Suraksha

This policy comes in three different variants similar as tableware smart, gold smart and platinum smart plans. It gives the option of multiple sum ensured quantum ranging from INR 3 lakh to INR 75lakh.This plan offers the content option for individualities, family and elderly citizens. Let’s have a look at some of the prominent features of this plan

Key Features :

Offers the sum ensured options ranging from INR 3 lakh to INR 75 lakh.
The policyholder would get the advantage of exclusive covers like air ambulance, recovery benefit and gravidity cover.
Provides flexible benefits like concluding for room rent circumscribing andco-pay clauses.
Offers sum ensured answer benefit, which allows the ensured to get fresh sum ensured, that's original to the claim quantum paid under introductory sum ensured.
The policyholder has the option of choosing a long term policy option over to three times at an affordable decoration rate.
The policyholder has the option to pay monthly decoration in three, six and twelve equal inaugurations.

My Health Medisure Super Top- up Plan

In case the policyholder requires a bigger sum ensured quantum, he or she always has the option to eclipse it up with medisure super top- up plan. This plan ensures no health check- ups over to the age of 55 times. Myhealth medisure super top over plan also provides full content up to the sum ensured without any kind ofsub-limits.

My Health Women Suraksha

This policy is a comprehensive plan for women centric critical illness. It offers protection against minor affections, major ails, surgeries and critical ails related to women.

Key Features :

Wide range of sum ensured is available in this plan ranging from INR 3 lakh to INR 24 lakh.
Covers women specific cardiac affections, cancer where the insured will get the content for nearly 40 critical affections.
Covers major and minor ails where 100 sum ensured is offered in treating these conditions.
Includes content for loss of job, gestation and invigorated complication cover.
The policyholder will also get content for surgical procedures.
Offers up to INR for a alternate opinion, if the policyholder isn't satisfied with first opinion.
minimal and maximum entry age to be covered is 18 and 45 times independently for introductory covers.

Types of Plans Listed Under MyHealth Women Suraksha Insurance

Women Cancer Plan
Women Cardiac Plan
Women Cancer Plus Plan
Women Critical Illness Essential Plan
Women Critical Illness Comprehensive Plan

Critical Illness Insurance

HDFC ERGO critical illness insurance policy allows the ensured to get the content to handle medical costs related to critical ails and life conditions similar as cancer, heart attack, brain diseases, order failure etc. This single policy covers 15 critical ails and these plans are available with an easy option to buy for one and two times.

Key Features :

Coverage of a wide range of 15 critical ails in one single plan.
Lump sum payment of sum ensured quantum in a single sale.
This policy is available for one or two times and with the option of quick renewals.
No demand of medical check- up up to the age 45 times.
Critical illness cover offers the duty benefits up to INR.

iCan Cancer Insurance

iCan is a health insurance plan which covers the opinion and treatment of cancer. This plan provides content to all types of cancer at all the stages with the option of lifelongrenewability.However, also it pays the full content of the sum ensured as a lump sum payment, If there's a opinion of fourth stage of cancer or a relapse kind of situation.

Key Features :

Option of lifelong renewability of iCan health plan indeed after entering claims.
Coverage available for all kinds and all stages of cancer.
Cashless cancer treatments in further than network hospitals.
Offers content for traditional and advanced treatments and also covers in- case and inpatient treatments charges.
Provides content up to INR as payment per hospitalization for ambulance service.
The policyholder is entitled to admit 100 of the sum ensured as lump sum payment on the opinion of stage four cancer, or in the case of relapse.
Lump sum benefit of 60 of sum ensured on the base, if the ensured is diagnosed with cancer of any kind of inflexibility.
Waiting period is of 120- day, which starts from the first date of the policy.

HDFC ERGO My Health Koti Suraksha

This is a standard health plan that provides content for colorful health costs similar as hospitalization costs, critical illness treatments, major surgeries costs, daycare procedures, among others. The sum ensured quantum of this plan is over to INR 1 crore.

Key Features :

Coverage includespre-hospitalization charges of 60 dayspre-admission andpost-discharge charges up to 180 days.
Coverage for medical operations, treatments and surgeries that bear lower than one day of hospitalization.
Coverage related to AYUSH and Covid- 19 treatment.
Free health check- up within 60 days of policy renewal.
Access to health coaching services similar as nutrition, fitness and cerebral comforting.
Offers abatements on OPD consultations, drugstore bills and individual costs.

What does HDFC ERGO Policy Cover?

Coverage for hospitalization charges similar as room rent, ICU, surgery, croaker
discussion and numerous further.
Covers hospitalization charges arising out of treating internal illness.
Coverspre-hospitalization cost up to 60 days before the date of admission andpost-hospitalization cost up to 180 days post discharge from the sanitarium.
Offers the benefit of sum ensured answer, where the ensured gets an fresh cover when the base sum ensured quantum and accretive perk gets exhausted.
Day care treatment
Home healthcare
AYUSH benefits
preventative health check- up at the time of renewal.

What does HDFC ERGO Policy Not Cover?

Adventures and tone- assessed injuries
Accidental injury caused in defense operations
Treatment of any kind of ornamental surgery
Dental treatment and surgery
Treatment of rotundity
Hospitalization due to alcohol and medicine abuse

Claim process for HDFC ERGO health insurance Policy

Cashless Hospitalization HDFC ERGO claims to settle the cashless claims in 20 twinkles with the process mentioned below

In case of extremities, claim suggestion is needed within 24 hours of the exigency hospitalization.
In case of planned hospitalization, claim suggestion is needed within 72 hours of the hospitalization.
Post the suggestion, HDFC ergo shall shoot the status update to the policyholder.
Incipiently, at the time of discharge from the sanitarium, the insurer settles the claim directly with the sanitarium.

Payment Claims HDFC ERGO claims to settle the payment claim in six working hours with the process mentioned below

In case of payment of claims, insinuate the company within 48 hours of hospitalization or before getting discharge from the sanitarium, whichever is before.
At the time of hospitalization, the policyholder needs to pay the bills originally and save all the original checks.
Post the discharge formalities, the policyholder is supposed to partake all the original checks and treatment related documents.
Once the checks and bills are vindicated from the insurer, they shoot the approved claim quantum directly to the ensured’s registered bank account.

Documents needed for Claim Payment

properly filled claim form with hand of aspirant.
Valid identity evidence similar as Aadhaar card, Voter ID, passport, visage Card, and driving license.
tradition by a medical guru recommending hospitalization, tests and drugs.
Original drugstore bills, case papers and ambulance damage.
Insurance policy stating the name, address, illness and other details of the ensured.

Methodology

We considered top factors that help consumers decide whether they want to conclude for a specific health policy. We ranked the HDFC ERGO health insurance on the base of these factors

Network of hospitals It's always better to check if the insurance company has a wide list of network hospitals. HDFC ERGO has a network of further than cashless hospitals

Sub limits A health policy that doesn't have anysub-limits on sanitarium room rent, is also an important factor while considering a health policy. utmost of the HDFC ERGO programs don't have these limits.

Waiting period This is also a veritably pivotal parameter, as ensured won't be suitable to spark the policy if the staying period isn't completed.

Add- on benefits These include redundant benefits similar as free health scan, diurnal sanitarium cash, flexible sum assured option, unlimited restoration benefit, day care procedure, accretive perketc.

Range of sum ensured Buying a comprehensive sum ensured health content for family is always salutary. Having a wide range of sum ensured can be relatively helpful in choosing a perfect health policy.