OneAssure Verdict

Company Stats

About the company

Insurance Policies

KYC Documents

Claims

Renewals

Contact

Other companies

FAQs

HDFC ERGO

6.8/10

OneAssure Rating

95.3%

Claim Settlement Ratio

16000+

Network Hospitals

6.8/10

OneAssure Rating

Our Verdict

The company offers comprehensive coverage for all age groups, with global coverage available at an additional premium. Plans cover conditions like hypertension, diabetes, and cholesterol from day one. While premiums are higher, the claims process is smooth. However, policy rejection chances are high for individuals with adverse medical conditions. Super-top up policy has a maximum coverage upto 20 lakhs only.

Pros

Brand Trust

High claim settlement rate and quick approval enhance reliability.

Smooth Claims Process

Claims are processed efficiently, with an average approval time of 38 minutes

Free Health Check-up

Available within 60 days of renewal. Consumable coverage is inbuilt along with no co-payment for treatment in higher CITY ZONE

Pros

Cons

Higher Premiums

Comparatively expensive plans may not suit all budgets.

Rejection for Adverse Medical Conditions

Higher likelihood of policy rejection for individuals with adverse medical conditions.

Limited Free Benefits

Some benefits, such as global coverage, require additional premiums. Super-top up policy has a maximum coverage upto 20 lakhs only.

Cons

Company Stats

Industry Avg.

1905.12

HDFC ERGO

6538.16

Gross Direct Premium

Industry Avg.

83.49%

HDFC ERGO

80.98%

ICR%

Rating 6.8/10

Solvency2.1/4

ICR2.1/3

Growth2.6/3

About the Company

HDFC ERGO, a subsidiary of HDFC Bank, offers a comprehensive range of general insurance products, including motor, health, travel, home, and personal accident insurance for individuals, as well as property, marine, and liability coverage for businesses. HDFC ERGO Health Insurance is committed to providing financial protection during medical emergencies, offering a wide range of health insurance plans. With a focus on seamless claims settlement, the company settles a claim every minute*, ensuring prompt and reliable service. Trusted by over 1.6 crore customers, HDFC ERGO’s plans include benefits like cashless hospitalization, outpatient department (OPD) coverage, daily cash allowances, and diagnostic cost coverage. The my:Optima Secure plan offers enhanced coverage at no extra cost.

Insurance Policies

Hdfc Critical Illness Platinum

Hdfc Ergo: Energy Gold Without Co-Pay

Hdfc Ergo: Energy Gold With Co-Pay

Hdfc Ergo: Energy Silver With Co-Pay

Hdfc Ergo My:Health Suraksha Silver Smart

Hdfc Ergo My: Health Medisure Super Top Up

Hdfc Critical Illness Silver Plan

Hdfc Optima Restore

Hdfc Ergo: Energy Silver Without Co-Pay

The HDFC Ergo My Optima Secure

KYC Documents Required

Aadhar Card

Voter ID Card

PAN card

Passport

Claim Settlement

Cashless Claim

Step 1 - Visit Network Hospital

Step 2 - Inform OneAssure

Step 3 - Carry Required Documents

Step 4 - Fill Pre-authorization Form

Step 5 - Seek Approval

Step 6 - Claim Settlement

Reimbursement Claim

Step 1 - Notify the Insurer

Step 2 - Settle Hospital Bills

Step 3 - Collect Medical Documents and Receipts

Step 4 - Fill Out the Claim Form

Step 5 - Await Claim Review and Reimbursement

Renewal

Online Renewal

Step 1 - Go to the official HDFC ERGO policy renewal page: https://www.hdfcergo.com/renew-hdfc-ergo-policy.

Step 2 - Provide your existing policy number or registered mobile number/email ID to fetch your policy details.

Step 3 - Check the policy details displayed on the screen, including coverage, tenure, and personal information.

Step 4 - If applicable, modify your coverage, add riders, or update personal details before proceeding.

Step 5 - Choose a preferred payment method such as credit/debit card, net banking, UPI, or wallet payment.

Step 6 - Complete the renewal payment securely through the selected mode.

Step 7 - Once payment is successful, you will receive a confirmation via SMS and email, along with the renewed policy document.

Offline Renewal

Step 1 - Visit the nearest HDFC Ergo branch with policy details.

Step 2 - Request a renewal form and provide necessary policy information.

Step 3 - Fill out the form accurately with updated personal details.

Step 4 - Choose your preferred payment mode: cash, cheque, or demand draft.

Step 5 - Submit the completed form along with the renewal payment.

Step 6 - Collect the renewed policy document and confirmation receipt.

Key points

Comprehensive coverage for hospitalization, daycare, and critical illnesses treatment.

Cashless treatment available at a vast network of partner hospitals.

No-claim bonus increases sum insured for every claim-free year.

Flexible plans with lifetime renewability and tax-saving benefits included.

Quick claim settlement process with 24/7 customer support assistance available.

Customer Support

Talk to our experts for Insurance Assistance for FREE

For HDFC ERGO customer care :

Toll Free - 022-6158-2020

E-mail - care@hdfcergo.com

Other related companies

IFFCO TOKIO General Insurance Company Limited

Frequently Asked Questions

1. HOW TO BUY HDFC ERGO FROM ONEASSURE?

2. HOW TO PORT TO HDFC ERGO HEALTH INSURANCE?

3. TAX BENEFITS

4. HOW TO BUY HDFC ERGO FROM ONEASSURE?

Frequently Asked Questions

HOW TO BUY HDFC ERGO FROM ONEASSURE? - Step 1: Visit www.oneassure.in or call us at +91 6364334343 to connect with our expert advisors.
Step 2: Receive 100% unbiased recommendations tailored to your needs from our team of expert advisors.
Step 3: They will help you select the best option that suits you.
Step 4: You will need to provide us with the necessary KYC documents to proceed with the issuance further.
Step 5: We will generate the payment link on your phone and email.
Step 6: Once you’ve made the payment, your policy will be issued promptly.
Step 7: If you have declared any medical conditions, additional reports must be submitted.
HOW TO PORT TO HDFC ERGO HEALTH INSURANCE? - Step 1: Approximately 60 days before your current policy renewal date, you have the option to port.
Step 2: If you decide to proceed with porting, our team will discuss all the related information with you. Based on this discussion, they will recommend a suitable plan.
Step 3: After you have made your decision, depending on the chosen plan, you will need to provide us with additional documents that are not listed in your current policy document. These documents may include your height, weight, claim details if any, previous year policy copies, nominee's name, nominee's date of birth, and their relationship with you.
Step 4: The registration process for the new policy will be completed on the insurer's online portal.
Step 5: Once the registration is done, you will receive a payment link via email and phone. After making the payment, your new policy will be promptly issued.
TAX BENEFITS - Under Section 80D of the Income Tax Act, individuals are eligible for a tax deduction of up to ₹25,000 per year on health insurance premiums.
For senior citizens, this limit is extended to ₹50,000 per year.
Additionally, taxpayers can claim an additional deduction of up to ₹5,000 for expenses incurred on preventive health check-ups.
HOW TO BUY HDFC ERGO FROM ONEASSURE? - Step 1: Visit www.oneassure.in or call us at +91 6364334343 to connect with our expert advisors.
Step 2: Receive 100% unbiased recommendations tailored to your needs from our team of expert advisors.
Step 3: They will help you select the best option that suits you.
Step 4: You will need to provide us with the necessary KYC documents to proceed with the issuance further.
Step 5: We will generate the payment link on your phone and email.
Step 6: Once you’ve made the payment, your policy will be issued promptly.
Step 7: If you have declared any medical conditions, additional reports must be submitted.