- About Coverfox
|Incurred Claim Ratio of Year 2022||97.47%|
|HDFC ERGO Network Hospitals||10000+|
|Renewability||Lifelong||Pre-existing diseases||Covered after 4 years of waiting period|
|Customer Care Toll Free No||1800-2700-700|
1) HDFC ERGO - my: Health Suraksha
my:health Suraksha is a comprehensive health insurance plan by HDFC ERGO General Insurance that is designed to safeguard the policyholder against rising medical expenses. The key features of this plan are as under:
2) HDFC ERGO Health Suraksha Policy
Health Suraksha Policy offered by HDFC ERGO is a basic health insurance plan which covers most of the hospitalization expenses. The coverage under this plan is available as both individual and family floater.
3) Health Suraksha Gold Policy
Health Suraksha Gold is advanced version of Health Suraksha Plan which has an option to opt for additional critical illness cover. The coverage under this plan is available as both individual and family floater.
4) Health Suraksha Regain Policy
Health Suraksha Regain is the plan with restore benefit offered by HDFC ERGO. The coverage under this plan is available as both individual and family floater.
5) Health Suraksha Top-up Plus Policy
Health Suraksha Top-up as the name suggests is a top-up plan offered by HDFC ERGO. It offers coverage on individual and family floater basis.
6) Critical Illness Silver Policy
7) Critical Illness Platinum Policy
8) Personal Accident Insurance Policy
9) HDFC My Health Medisure Classic Plan
A health insurance plan designed specifically to meet the medical necessities of your parents. This plan provides protective cover for your parents or senior citizens.
10) Health Medisure Super Top Up Insurance
This is a top-up plan which can be availed over and above your existing health insurance plan, and offers a wider range of benefits along with enhanced protection. Individuals can benefit from higher sum insured against aggregate deductible at an affordable premium.
HDFC ERGO provides the following health insurance plans - Indemnity and Lump Sum benefit. Under the former, you will be compensated for the actual financial losses even if the actual sum insured is higher. Under the latter, the entire amount is paid as a lump sum benefit in the event of an accident. Based on these two aspects, HDFC ERGO offers multiple health policies.
|Indemnity Cover||Lump Sum Cover|
|Hospital Room Rent Costs||Rehabilitation/Physiotherapy|
|Doctor’s Fee||Follow up medical investigations & diagnostic tests|
|Operation Theatre Charges||Purchases like ergonomic furniture & house modificationFollow up medical investigations & diagnostic tests|
|Pre and Post Hospitalization Charges||Dietary supplements, BP monitoring machines|
There are two ways to make claim under a Health Insurance Policy: on cashless basis and on reimbursement basis. In simple terms, for making a claim on cashless basis, the treatment must be done only at a network hospital of the insurance company servicing your policy. For availing the treatment, you would have to first seek an authorization as per the procedures laid down and in the prescribed form. In case of claims on reimbursement basis, the insurance company has to be informed as per their prescribed procedures. The policyholder has to ensure that documents such as claim form, discharge summary, prescriptions and bills to be submitted for the claim on reimbursement are obtained after hospitalization.
HDFC ERGO Health Insurance has a well-defined claim processing system.
Cashless Service: Seeking Pre-Authorization
Reimbursement Claim: Claim Submission
In case of any emergencies, you need to inform HDFC ERGO within 24 hours of the admission. In case of planned emergencies, the notification has to reach the company 48 hours prior to the hospitalization. The claim intimation can be done via HDFC ERGO's toll free number 1800-2000-700, or fax 1800-2000-600. The same could also be emailed to email@example.com.
Note: **If you are a Coverfox customer, you can directly reach out to us for all your claim-related issues and queries.
The online process of renewal is the most convenient and fastest method of policy renewal. Simply visit the official website of HDFC ERGO and select the ‘Instant Renewal’ option. Enter your policy details and policy number, and the premium will be auto-generated for renewal. Pay via debit/credit/net banking and your policy will be renewed. Additionally, you can also call 1800 2700 700 and renew instantly.
When it comes to claim settlement ratio, HDFC ERGO has a very healthy record. That's strikingly encouraging for their potential customers. Pricing wise, their products perform quite well in comparison to their counterparts from competitors. With respect to deductions and room rent limits, HDFC ERGO health insurance passes with flying colors. They are okay when it comes to waiting periods and their no-claim bonus structure is not the most flattering; they offer a 5% bonus for every claim-free year, with a maximum bonus of 50%.
HDFC ERGO offers complete, hassle-free, online facilities for purchasing a policy as well as for claim settlement.
Simply visit the official website of HDFC ERGO and select the online option. You will be required to register with a login ID and Password. Select the desired policy and fill in the requested KCY details. Based on the information provided, your premium will be automatically calculated. Simply make the payment online via debit/credit/net banking and the policy will be delivered to your inbox.
Simply visit the official website of HDFC ERGO and select the online premium calculator. Fill in the requested details such as name, age, family members, etc. and click on submit. Post submission, the premium will be automatically calculated with respect to the policy selected.
The minimum age at entry is 3 months to 65 years.
Yes, simply visit the official website of HDFC Ergo and select the list of network hospitals under the cashless facility hospital locator.
Other policies offered by HDFC ERGO include car, bike, travel, home and retail cyber insurance.
Simply visit the official website of HDFC ERGO and login with your registered user ID and Password. Once you are logged in, you will be able to see all the details regarding your policy status.
You can claim tax deductions as per Sec 80D of the Income Tax Act, 1961.
These are the expenses which have occurred pre or post medical treatment at the hospital. Pre-hospitalization expenses include doctor’s appointment fee while post includes follow-ups after treatment.
The health card will help you make cashless claims at a faster rate and it will also help the network hospital identify you as a policyholder.
Yes, but not all policies provide cover for maternity and newborn expenses.