HDFC ERGO

Overview:

HDFC ERGO Health Insurance Limited stands as a dynamic collaboration between ERGO International AG and HDFC Limited, fortified by the approval of the Insurance Regulatory and Development Authority of India (IRDAI). In a significant move, HDFC Health Insurance merged with Apollo Munich Health Insurance in 2020, propelling itself to become the second-largest private health insurance provider. With over 200 branches spanning 170 locations and a workforce exceeding 9700 individuals, HDFC Health Insurance boasts an extensive network to serve its customers nationwide. Praised for its robust claim-paying capability, ICRA has bestowed upon HDFC ERGO Health Insurance the prestigious "IAAA" rating. Offering a diverse array of health insurance products, including individual, family, critical health, and senior citizen plans, HDFC Health Insurance caters to varied needs. Renowned for its exemplary service, HDFC Ergo Health Insurance has been honoured with several accolades, including the "Best Covid Strategy Implemented Customer Experience" award at the ET BFSI Excellence Awards 2021 and the "Claims and Customer Service Excellence" award at the FICCI Insurance Industry Awards 2021. Such recognition underscores HDFC Ergo's commitment to excellence and customer satisfaction in the financial sector.

Why Choose HDFC Ergo?

HDFC Ergo Health Insurance stands out for its comprehensive coverage benefits across a range of plans. There are some additional advantages you can enjoy when opting for an HDFC medical insurance plan like, Experience Quick Cashless Claim Approval. HDFC Ergo Insurance ensures a swift and hassle-free claim settlement process, with cashless claims approved in just 20 minutes. Additionally, they also have the Free Renewal Health Check-up, where the policyholder receives complimentary renewal health check-ups ensuring ongoing well-being and early detection of potential health issues. With over 12,000+ network hospitals nationwide, HDFC Health Insurance ensures access to quality healthcare services with cashless medical treatment facilities.

Claim Settlement Process:

Step 1. Get admitted to any network hospital of HDFC ERGO General Insurance for cashless treatment.

Step 2. Present your HDFC ERGO health card along with a valid photo ID.

Step 3. The hospital will send a pre-authorization form to HDFC ERGO General Insurance to request cashless treatment.

Step 4. Once approved, the insurer will notify the hospital, and you can proceed with your treatment.

Step 5. Upon discharge, the hospital will provide you with the final bill and necessary documents.

Step 6. Final Approval

Step 7. Submit all documents to HDFC ERGO General Insurance for final authorization, which will be processed within 7 days.

Documents Required:

Filled claim form with policy number

Original discharge summary

Original hospital bill with detailed breakdown

Pharmacy invoices with prescriptions

Payment receipts

Investigation reports

Implant invoice

FIR or MLC for accidents

Past treatment documents

Legal heir certificate (if nominee is a minor)

Cancelled cheque or passbook copy

KYC form and one KYC document for claims over Rs 1 lakh.

Portability

Yes