Is the portability feature available under this policy?

Category: Health Insurance

HDFC ERGO vs Star Health Insurance

Post author By parastar
Post date May 9, 2023

HDFC ERGO vs Star Health Insurance

When it comes to choosing a health insurance provider, there are a plethora of options available in the market. Two of the most prominent names are HDFC ERGO and Star Health Insurance. Both companies offer a range of health insurance policies to suit different needs and budgets, but how do they compete against each other?

In this article, we will compare some key features of both companies. We will also compare two of their popular plans for your better understanding.

Firstly, let us compare important key features HDFC ERGO and Star Health Insurance.

Key Important Features

Particulars	HDFC ERGO Health Insurance	Star Health Insurance
Network Hospitals	12000+	14000+
Claim Settlement Ratio	97%	99.06%
Incurred Claim Ratio	62%	63%
Branches	650+	830+
No of Plans	6	11
Employees	10,000 +	14,500+

HDFC ERGO vs Star Health Insurance (Individual Health Plan)

Plan features	HDFC ERGO Optima Restore Plan	Star Comprehensive Insurance Policy
In-patient Care	Covered	Covered
Auto Recharge	100% for any illness	100% for any illness
Cumulative Bonus	50% increase of SI, after every 2 claim free years, up to a maximum 100%.	50% increase of SI up to maximum of 100%.
Pre-Hospitalisation	60 days covered	60 days covered
Post- Hospitalisation	180 days covered	90 days covered
Room Rent	Single room	AC room, single room
Air Ambulance	Covered up to ₹ 5,00,000	Covered up to ₹ 5,00,000
Maternity Coverage	Not available	Available
Co-payment	NA	10% if plan purchased after 61 years of age.
Outpatient Consultation	Covered	NA
Renewability	Lifelong	Lifelong

HDFC ERGO vs Star Health Insurance (Cancer Health Plan)

Plan features	HDFC ERGO iCan Cancer Policy	Star Cancer Care Platinum Policy
In-patient Care	Covered	Covered
Pre-Hospitalisation	30 days covered	30 days covered
Post- hospitalisation	60 days covered	60 days covered
AYUSH	NA	NA
Cumulative Bonus	NA	5% increase of the Sum Insured for each claim-free year subject to a maximum of 50%.
Lumpsum Payout	In-built	Optional
Second Medical Opinion	Covered	Covered

Conclusion

Ultimately, the choice between HDFC ERGO and Star Health Insurance will depend on your individual needs and priorities. It’s important to carefully check the coverage and benefits offered by each company to make an informed decision.

While both the companies offer extensive coverage and benefits, it’s important to evaluate your personal healthcare needs and budget before making a final decision.

Also, before choosing a health insurance provider, it is imperative to know the network hospitals of the insurer around you. It is also important to check the claim settlement and incurred claim ratios, as they are strong indicators of the financial strength and reliability of the insurance company.

Author Bio

This article is written by Team InsuranceLiya.com, an independent website that writes about insurance, finance, health, and more. Our writers have a wealth of knowledge, experience, and degrees in the fields of insurance, finance, economics, and beyond.

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HDFC ERGO Health Insurance Plans

New India Assurance Health Insurance Plans

New India Yuva Bharat Health Policy (Complete Details)

Post author By parastar
Post date May 8, 2023

New India Yuva Bharat Health Policy (Complete Details)

New India Assurance Yuva Bharat Health Policy by New India Assurance aims to provide affordable and accessible healthcare to India’s youth. From covering injuries arising from adventurous sports to maternity expenses. Yuva Bharat Health Policy is an affordable healthcare plan for young people that provides access to quality healthcare without worrying about financial burden. In this article, we will talk about the following:

About the Plan
Benefits of Yuva Bharat Health Policy
Key Features of Yuva Bharat Health Policy
Exclusions under Yuva Bharat Health Policy
Premium Chart of Yuva Bharat Health Policy

About the Plan

Yuva Bharat Health Policy by New India Assurance is an extensive health insurance policy for young people between the ages of 18 and 45. This policy offers coverage for hospitalisation expenses, pre- and post-hospitalisation costs, AYUSH, and advanced treatments arising out of any illnesses or accidents.

This plan also covers maternity expenses, road ambulance charges, injuries due to adventurous sports, and much more. The sum insured options available under this policy start at ₹ 5 Lac up to ₹ 50 Lacs. The policy comes in three types of variants: Base Plan, Gold Plan and Platinum Plan.

Benefits under the policy will vary according to the plan selected by the policyholder. You can choose to cover up to six family members under family floater basis. This policy can also be purchased on an individual coverage basis.

Benefits of Yuva Bharat Health Policy

Below are a few benefits provided under the Base Plan:

Hospitalisation Coverage: This plan covers all hospitalisation expenses incurred by the policyholder due to any illnesses or accidents.
Hospital Cash: This policy will provide a daily cash allowance starting from ₹ 500 up to ₹ 1000 for a period of five days during hospitalisation.
Ambulance Charges: This policy will reimburse ambulance expenses starting at ₹ 5000 up to ₹ 10,000, depending on the sum insured.
Injury due to Adventurous Sports: Any injury suffered due to adventurous sports like paragliding, bungee jumping, etc. will be covered under the plan.
Pre/Post Hospitalisation: This policy covers 60-day pre and 90-day post-hospitalisation expenses incurred by the policyholder.
AYUSH Coverage: This plan covers the cost of alternative treatments like Ayurveda, Unnani, Siddha, etc. up to the sum insured limit.

Benefits under the Gold Plan

In addition to the base policy coverage, the following benefits will be provided under the Gold Plan:

Personal Accident Coverage: The policyholder or the beneficiaries under the policy will be financially compensated in case of death or injury sustained due to an accident. The insurer will also financially compensate in the event of any permanent disability due to an accident.
Air Ambulance Coverage: Under the Gold Plan, air ambulance charges will be covered starting from ₹ 50,000 up to a maximum of ₹ 1,00,000, depending on the sum insured.
10% Auto Recharge: 10% sum restoration benefit, which automatically reinstates the sum insured for the treatment of the same illness once during the policy period. This feature will be applicable in cases where the policyholder has exhausted the base sum limit due to previous hospitalisations.
Critical Care Benefit: The company will provide a lump sum payout in case the policyholder is diagnosed with any of the life-threatening illnesses mentioned under the policy. The amount payable will range from ₹ 1,00,000 up to ₹ 250,000 depending on the sum insured selected.

Benefits under Platinum Plan

In addition to the benefits of Base Plan and Gold Plan, the following benefits will be provided under Platinum Plan:

Maternity Coverage: Under the platinum plan, hospitalisation expenses arising out of maternity related treatment will be covered up to ₹ 25,000 in the case of a single baby. Maternity expenses will be covered up to ₹ 37,500 in the case of twin babies.
Infertility Treatment Coverage: Under this plan, the cost of infertility treatments will be covered from ₹ 50,000 up to ₹ 1,00,000, depending on the sum insured selected.
Birth Right Cover: In case the new born baby is diagnosed as suffering from any of the specified illnesses, like autism or down syndrome, a lump sum payout will be payable by the insurer.
Vaccination Coverage: Under this plan, the vaccination expenses of the new born child will be covered up to 0.1% of the sum insured for up to two years.

Features of Yuva Bharat Health Policy

Below are a few key features of this policy:

Waiting Period: Any pre-existing illnesses or conditions suffered by the policyholder will be covered after a waiting period of 24 months.
Lifelong Renewal: This policy comes with a lifelong renewability option, which means the policyholder can renew their policy without any restriction on age.
Specified Illness: The cost of illnesses like cataract, hernia, etc. specified under the policy will be covered after a waiting period of 12 months.
No Mandatory Check-up: A medical check-up is not compulsory before purchasing the policy.
Add on Cover: Optional add on cover options, such as Enhance Maternity Limit Cover, is available for better coverage.
Eligibility Criteria: Adult individuals starting from 18 years old to 45 years old can purchase this policy. Dependant children starting from 91 days to 25 years can opt for this plan.
Discounts: The company offers a 10% discount on maintaining healthy parameters of BMI, blood sugar, and blood pressure readings. The company also offers a floater discount of 10% for insuring all your family members under one policy.

Exclusions under Yuva Bharat Health Policy

Following are the general exclusions mentioned under this policy:

Obesity treatments and procedures
Cosmetic treatments and surgery
Sex change treatments
Unproven/Experimental treatments

Premium Chart of Yuva Bharat Health Policy

To help you better understand the sum insured options and their corresponding premiums based on age and location, we have provided a sample premium chart below.

Zone 1: includes the major cities of India, such as Mumbai, New Delhi, Mumbai Suburdan, Thane, Navi Mumbai, Ahmedabad, Vadodara, and Surat.
Zone 2: Rest of India

Premium Chart of Yuva Bharat Health Base Policy ( Zone 1)

Age Group	Sum insured: ₹ 5 Lakh	Sum Insured: ₹ 10 Lakh
3 – 17 months	₹ 3,269	₹ 4,296
18-30 years	₹ 4,712	₹ 6,240
31- 35 years	₹ 5,731	₹ 7,614
36 -40 years	₹ 7,267	₹ 9,687
41-46 years	₹ 9,602	₹ 12,837
46- 50 years	₹ 12,246	₹ 16,410
51- 55 years	₹ 15,827	₹ 21,240
56 – 60 years	₹ 20,235	₹ 27,200
61- 65 years	₹ 27,459	₹ 36,945
66 years and above	₹ 31,074	₹ 41,822

To check out the premium chart for Zone 2 and other covers available under this policy, refer to the policy prospectus.

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Frequently Asked Questions

You can choose to cover yourself, your spouse, and your dependent children under this policy. Policyholders can cover up to six members on a family floater basis.

New India Yuva Bharat Health Policy comes in three variants:
Base Plan, Gold Plan, and Platinum Plan..

Free look period of 15 days is available under this policy.

A cumulative bonus ranging from 10% up to 30% is applicable for every claim free year.

Yes, the portability option is available under the policy.

New India Assurance Health Insurance Plans

Young India Digi Health Policy by New India Assurance (Guide)

Post author By parastar
Post date May 2, 2023

Young India Digi Health Policy by New India Assurance (Guide)

As a young person securing your health and well-being is of utmost importance. With the increasing cost of medical treatments, a health insurance policy can be a wise investment to protect you financially during unforeseen medical emergencies. Young India Digi Health Policy by New India Assurance is one such affordable health plan specially designed to cater to the healthcare needs of young individuals.

In this article, we will talk about the following:

Young India Digi Health Policy
Benefits of Young India Digi Health Policy
Features of Young India Digi Health Policy
Exclusions under Young India Digi Health Policy
How to file claim with Young India Digi Health Policy?
Premium Chart of Young India Digi Health Policy

Young India Digi Health Policy by New India Assurance is a newly launched health insurance policy in the year 2022. This comprehensive health plan is specially designed to cover hospitalisation expenses for young individuals between the ages of 18 and 45. This policy offers a wide range of benefits, like covering in-patient care, pre- and post-hospitalisation expenses, costs of advanced medical treatments, health check-ups, and much more.

Along with offering comprehensive coverage, the plan also offers various advantages to its policyholders, like a 100% sum restoration benefit, a cumulative bonus, coverage for mental illnesses, new-born baby coverage, and more.

The plan comes with two sum insured options, i.e ₹ 4 Lakh and ₹ 8 Lakh, policyholders can choose the coverage based on their preferences. This plan can be purchased on an individual or family floater basis.

Benefits of Young India Digi Health Policy

Below are some benefits provided under this policy:

Hospitalisation Cover: This plan offers coverage for hospitalisation expenses of the policyholder in case of any illness or accident.
Pre-Hospitalisation Cover: This plan covers all medical expenses incurred 60 days prior to the date of hospital admission.
Post-Hospitalisation Cover: This plan covers medical expenses incurred by the policyholder within 90 days from the date of discharge.
Medical Opinion: The cost of a second medical opinion up to ₹ 5,000 will be payable under the policy. This benefit will only be applicable in the case of a policyholder suffering from any critical illness.
Newborn Baby Coverage: This plan will provide coverage towards postnatal care, preterm or pre-mature care, or various delivery-related expenses for the new born child.
Advanced Treatments: This plan also covers multiple advanced treatments and procedures like oral chemotherapy, stem cell therapy, robotic surgeries, etc, up to a specified limit.
Cataract Coverage: Treatment of cataract will be covered up to 10% of the sum insured, or up to Rs 50,000 for each eye.
AYUSH Cover: This plan covers the cost of alternative treatments like AYUSH, Unnani, and Ayurveda up to the sum insured limit.
Hospital Cash Benefit: The insurer will provide a cash allowance up to ₹ 500 during the hospitalisation for a maximum period of 5 days.
Mental Illness Cover: This plan covers medical expenses incurred in the treatment of mental illnesses or disorders like schizophrenia, epilepsy, etc. The costs of treatment will be covered up to 25% of the sum insured.
Health Check-up: The policy will reimburse the cost of a health check-up up to ₹ 3500 for every two claim-free years.
Road Ambulance Cover: This plan reimburses the cost of ambulance charges up to ₹ 5000.
Dental Cover: The cost of treatment for any dental-related injury or illness requiring hospitalisation will be covered under the policy.
Organ Transplant Cover: Hospitalisation expenses due to organ transplants will be covered under the plan.

Features of Young India Digi Health Policy

Below are some features of the policy:

Lifelong Renewal: This plan comes with a lifetime renewability feature that means the policyholder can renew the policy without any restriction on age.
Automatic Recharge: This plan comes with a 100% sum restoration feature, which automatically reinstates the sum insured in case the policyholder has exhausted the coverage limit due to previous hospitalisation. This feature is applicable in the case of rehospitalisation due to any unrelated illness during the same policy tenure.
No-Claim Bonus: Young India Digi Health policy comes with a cumulative bonus feature that increases the sum insured by 10% for every claim-free year. The sum insured can be increased up to a maximum of 30% as per the terms of the policy.
Floater Basis: This policy can be availed on an individual or family floater basis as per the policyholder’s preference. You can choose to cover more than four family members under the family floater cover.

Exclusions under Young India Digi Health Policy

Below are a few exclusions under this policy:

Waiting Period: Specified illnesses like cataract, hernia, rheumatism, etc. will be covered after a waiting period of 12 months.
Obesity Treatments: Medical expenses related to the surgical treatment of obesity that do not fulfill certain criteria mentioned under the policy shall not be covered.
Sex Change Treatments: Any expenses related to the gender or sex change of the policyholder will not be covered under the policy.
Experimental Treatments: Any unproven or experimental treatments that lack significant medical authentication will not be covered under the plan.
Infertility Treatments: Any kind of treatment related to infertility or sterilisation like IVF, ZIFT, ICSI, contraception, etc, will not be covered under this policy.

How to file claim with Young India Digi Health Policy?

There are two ways you can file a claim: Cashless and Reimbursement Claim.

Cashless Claim

You can file a cashless claim when admitted to any of the network hospitals of New India Assurance. Under the cashless facility,medical expenses will be directly borne by the insurer.

Follow these simple steps to file a cashless claim:

Step 1: Inform the insurer within 24 hours in case of an emergency or 42 hours prior to a planned hospitalisation.
Step 2: Submit the health card and KYC documents to the TPA department at the hospital.
Step 3: Also, duly fill out and submit the pre-authorization claim form along with other relevant documents to the TPA department.
Step 4: The insurer will verify all the documents to initiate the cashless claim.
Step 5: After thorough authentication of the claim, your cashless request will be approved.

Reimbursement Claim

You will have to file a reimbursement claim when admitted to a non-network hospital. You will have to initially pay the hospital bill out of your own pocket and then file for reimbursement with the insurance company.

Step 1: Inform the insurance company immediately in case of any hospitalisation.
Step 2: Post-discharge, submit all the relevant documents, like hospital bills, reports, etc., for reimbursement of the bill.
Step 3: The insurer will verify all the documents. After thorough verification of the claim, the insurer will reimburse the claim amount directly to the linked bank account.

Documents Required

Original discharge summary
Medical bills, prescriptions, and reports
Dully signed and filled-out claim form
Death certificate (if applicable)
FIR report (if applicable)

Premium Chart of Young India Digi Health Policy

To help you better understand the sum insured options and their corresponding premiums based on age and location, we have provided a sample premium chart below.

Zone 1: includes the major cities of India, such as Mumbai, New Delhi, Mumbai Suburdan, Thane, Navi Mumbai, Ahmedabad, Vadodara, and Surat.
Zone 2: Rest of India

Premium Chart of Young India Digi Health Policy ( Zone 1)

Below provided is a annual premium chart on an individual coverage basis for Zone 1

Age Group	Sum Insured: ₹ 4 Lakh	Sum Insured: ₹ 8 Lakh
3 – 17 months	₹ 2,608	₹ 3,347
18-30 years	₹ 3,748	₹ 4,849
31- 35 years	₹ 4,553	₹ 5,910
36 -40 years	₹ 5,767	₹ 7,510
41-46 years	₹ 7,614	₹ 9,943
46- 50 years	₹ 10,314	₹ 13,500
51- 55 years	₹ 12,859	₹ 16,856
56 – 60 years	₹ 18,593	₹ 24,412
61- 65 years	₹ 25,224	₹ 33,149
66 years and above	₹ 28,542	₹ 37,520

To check out the premium chart for Zone 2, refer to the policy prospectus.

Frequently Asked Questions

Below are the entry age criteria under the plan:

For adults: 18 years to 45 years
For dependent children: 91 days to 25 years

There are two sum insured options available under this plan i.e., ₹4 Lakh and ₹ 8 Lakh.

You can purchase this policy directly from the official website of New India Assurance, i.e., https://www.newindia.co.in/portal/.

A grace period of 30 days from the policy expiration date is provided to renew the policy.

The policy tenure is one year and can be renewed on a yearly basis.

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New India Assurance Health Insurance

New India Assurance Health Insurance Plans (Top 10 Plans)

Post author By parastar
Post date May 2, 2023

New India Assurance Health Insurance Plans (Top 10 Plans)

New India Assurance offers a variety of health insurance plans for policyholders. The company also offers individual-specific health plans that offer customized coverage for a particular user profile.

For instance, New India Assurance has specialized plans for cancer patients, senior citizens, children, and beyond. Each plan is specially designed to cater to the needs and requirements of a particular type of policyholder.

Let us talk about some of the most important New India Assurance Health Insurance Plans below:

Standard Group Janata Mediclaim
New India’s Flexi Floater Mediclaim Policy
Asha Kiran Policy
Jan Arogya Bima policy
Universal Health Insurance Policy
New India Flexi Group Mediclaim Policy
New India Mediclaim Policy
Cancer Medical Expenses: Group
Senior Citizen Mediclaim
New India Cancer Guard policy

New India Assurance Standard Group, Janata Mediclaim

This is a standard health policy that covers you and your loved ones against all hospitalisation expenses arising out of an illness or injury due to an accident.
Under this policy, the insured will be reimbursed the claim amount when they submit all the relevant documents to the company. The Standard Group Janata policy is now also available in cashless form.

Key Features

Covers hospitalisation expenses for injury or illness.
Covers pre-hospitalization expenses for 30 days and post-hospitalization expenses for 60 days.
Coverage for the intensive care unit and the intensive cardiac care unit, operation theatre costs, dialysis, chemotherapy,etc.
Covers inpatient hospitalisation for Ayush, Unani, and homoeopathic treatment up to 25% of the sum insured.
Emergency ambulance costs are also covered.

New India’s Flexi Floater Mediclaim Policy

This is a floater health insurance policy that provides coverage for you and your family members under a single policy. Flexi Floater’s Mediclaim policy covers all hospitalisation expenses incurred due to an illness or injury.

This policy can also be availed of under the cashless facility. You can choose to cover yourself, your spouse, your children and your dependent parents under this plan.

Key Features

Covers hospital costs due to sickness and accidents.
covers the cost of room rent,nursing charges,boarding, ICU, and ICCU.
Covers pre-hospitalization expenses for 30 days and post-hospitalization expenses for 60 days.
Ayush, Unani, Ayurvedic Patient treatment is also covered under this policy.
Covers doctor’s fees, surgeon’s fees, consultants’ fees,physicians physician’s fees, and ambulance charges.

New India Asha Kiran Policy

New India’s Asha Kiran policy is specially designed to insure parents who only have a girl child.
Up to two dependent daughters can be covered under this plan. If a boy is born or the daughters become independent after taking the policy, the company provides an option to convert the policy into a suitable health insurance policy.

Key Features

The plan provides a payout of 100% of the sum insured to the daughter in the event of accidental death or permanent total disablement of the insured parent.
Payout of 200% of the sum insured in the event of the accidental deaths of both the insured parents.
Covers hospital expenses, room rent,ICU charges,ambulance charges,etc.
This policy also provides critical care benefits.
daily cash benefit when hospitalised.
50% discount on premium for girl children
Sum Insured: ₹ 2 lakh, ₹ 3 lakh, ₹ 5 lakh, and ₹ 8 lakh

Age Eligibility: Children: 3 months to 25 years, Adults: 18 years to 65 years.

Jan Arogya Bima policy

New India’s Jan Arogya Bima policy is designed to provide standard health coverage to weaker and financially weaker sections of society. This plan can also be purchased on a family floater basis.

Key Features

This plan takes care of all basic hospitalisation expenditures at an affordable premium rate.
Tax benefit under Sec. 80 D of the Income Tax Act

Age Eligibility: Children: 3 years to 5 years, Adult -5 years to 70 years.

New India Universal Health Insurance

The Universal Health Insurance policy protects the insured against hospitalisation expenses when admitted due to any illness, sickness, or injury. This plan reimburses the cost of hospitalisation and is now also available in cashless facilities.

You can avail of this policy on an individual or family floater basis.

Key Features

Provides accidental death coverage.
Provides coverage for disability caused by an accident.
Covers the cost of hospitalisation up to a certain limit as mentioned in the policy.

Age Entry: 3 months to 65 years

New India Flexi Group Mediclaim Policy

This plan is designed to provide standard health coverage for you and your family. This plan covers the cost of hospitalisation,ICU charges,nursing boarding,room rent, and much more.

Key Features

Cover inpatient hospitalisation expenses.
30 days prehospitalization and 60 days posthospitalization charges
Covers ICU expenses up to 2% of the sum insured.
Room rent and boarding expenses up to 1% of the sum insured
Covers doctors fees,surgeons’ fees, consultants’ fees, and physician’s fees
Covers the patient’s Ayush treatment and ambulance charges.

The New India Mediclaim Policy

New India’s Mediclaim policy offers extensive coverage to protect you from financial crisis when you are hospitalised due to various reasons.
This policy comes with a lifelong renewal option, which means you can renew the policy for life without any restrictions or age bar, provided you pay your premium on time.
You can choose to cover yourself, your spouse,your children, and your parents under this plan.

Key Features

covers patient hospitalisation, 139 daycare procedures, emergency ambulance costs, etc.
Health check-up for every three claims Free years
Covers organ transplant costs and inpatient Ayush treatment.
Benefits of Newborn Baby Cover
Covers cataracts up to 20% of the sum insured or ₹ 50,000, whichever is less.
25% increase in the sum insured, up to a maximum of 50% for every claim-free year.

Age Entry: Children: 3 months to 25 years, Adult: 18 years to 65 years

New India’s Cancer Medical Expenses: Group

As the name suggests, this policy is designed to protect you from cancer-related medical expenses. This policy is available to members of the Indian Cancer Society. You can cover your spouse and two dependent children under this group policy.

Key Features

This policy takes care of all cancer-related surgical and medical treatment in India.
5% increase in sum insured,maximum up to 50% for every claim-free year.
This policy will be valid for only one year.

Age Entry: up to 70 years

Sum Insured: ₹ 50,000–₹ 2 lakh.

New India Senior Citizen Mediclaim

This policy is carefully crafted to cater to the basic and essential medical needs of individuals over the age of 60.
This plan protects insured senior citizens against expenses incurred due to hospitalisation.
You can also cover your spouse under this plan.

Key Features

covers inpatient Ayush treatment.
Coves surgeons’, doctors’,doctors,consultants,physicians fees up to 25% of the sum insured.
Covers intensive care unit expenses up to 25% of the sum insured.
Covers room costs,nursing charges, etc. up to 1% of the sum insured.

Age entry: 60 years to 80 years

Sum insured: ₹ 1 lakh–₹ 1.5 lakh

New India Cancer Guard Policy

New India’s Cancer Guard policy is a cancer-specific policy that provides comprehensive coverage as well as covers the cost of cancer-related treatments or procedures such as chemotherapy, onco-surgery, radiotherapy, organ transplants,etc.

Key Features

Covers major cancer-related treatments and procedures.
A cash benefit as post-followup treatment up to ₹ 10,000 will be provided to the insured.
covers 58 daycare treatments
10% increase in sum insured,max up to 50% for every claim-free year.
Ambulance costs will be payable.
Second opinion consultation charges are covered.

Age Entry: 3 months to 65 years
Sum Insured: ₹ 5lakh, ₹ 10 lakh, ₹ 15 lakh, ₹ 25 lakh, ₹ 50 lakh

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Health Insurance

New India Assurance Health Insurance (A Complete Guide)

Post author By parastar
Post date May 2, 2023

New India Assurance Health Insurance (A Complete Guide)

New India Assurance is the largest and oldest government-owned general insurance company in India. It was founded on 23th July 23, 1919, by Sir Dorabji Tata. New India Assurance presently functions in more than 28 countries and has its headquarters in Mumbai.

The company operates with more than 16,506 employees, 6800+ agents, and 2900+ branches and offices in India.

New India Assurance offers multiple insurance-related products ranging from health insurance, motor insurance, home insurance, travel insurance, rural insurance, aviation insurance, industrial insurance, marine insurance, liability insurance, and many customised business-oriented plans.

New India Assurance Company has received numerous awards and recognitions, some of which are the Golden Peacock Excellence Award and the India Insurance Summit Award 2018: General Insurance Company of the Year.

This article will talk about the following:

Types of Health Insurance Plans by New India Assurance
Benefits of New India Assurance Co. Ltd
Key Features of Health Insurance Plans by New India Assurance
How to file a cashless claim
How to file a reimbursement claim
Inclusions and Exclusions under New India Assurance Health Insurance
How to renew your New India Assurance Health Policy

Network Hospitals	1100+
Claim settlement ratio	92.68%
Renewability	Lifetime
website	www.newindia.co.in

Types of Health Insurance Plans offered by New India Health Assurance

Here are the following health insurance plans offered by New India:

Plan Name	About the Plan
Standard Group Janata Mediclaim	This plan offers standard health coverage that protects the members of the insured group from hospitalisation expenses incurred due to illness or injury. This plan is now available in cashless mode as well.
New India Flexi Floater Mediclaim policy	This is a family floater plan that provides extensive coverage for you and your loved ones against all basic and essential healthcare services.
Asha Kiran Policy	This plan is especially designed for parents who only have a girl child. This policy provides a lump sum benefit to the girl child in the event of the accidental death or disablement of the parent. A maximum of two dependent daughters can be insured under the plan.
Jan Arogya Bima policy	The Jan Arogya plan is programmed to offer standard health coverage to weaker sections of society at a very low premium cost. This plan can be availed of on a family floater or individual basis.
Universal Health Insurance policy APL	This is a reimbursement health insurance policy that takes care of hospitalisation expenses for the insured when admitted due to any illness, disease,disease or accident.
New India Flexi Group Mediclaim policy	The new India Flexi Group Mediclaim policy provides extensive coverage to the insured and his or her family members to secure medical healthcare expenses.
New India Mediclaim Policy	This plan is designed to safeguard you from financial trouble when you are hospitalised. The policy provides multiple benefits, such as in-patient hospitalisation cover, pre-hospitalisation and post-hospitalisation expenses cover for new-born babies, cataract expenses, and ayurvedic treatments.
Cancer Medical Expenses- Group	You can avail yourself of this policy when you become a member of the Indian Cancer Society. This plan is designed to safeguard you from cancer-related medical expenses.
Senior Citizen Mediclaim	The Senior Citizen Mediclaim Plan is designed for people above the age of 60. This plan covers inpatient hospitalisation, ICU charges, inpatient Ayush treatment, and more.
New India Cancer Guard policy	This is a cancer-specific policy that provides comprehensive coverage, including all the major cancer-related treatments and procedures.

Benefits of New India Assurance Co. Ltd

Claim settlement ratio: The company has a robust claim settlement ratio of 92.68% in FY19-20, which signifies that the company has a good track record of settling its customers claims.
Trusted Name: New Indian Assurance is the oldest and largest general insurance company in India,with more than 100 years of experience in the insurance sector.
Network Hospitals: The company has a solid network of 1,500+ hospitals associated with it, providing you access to cashless facilities all around India.
Efficient customer support: The company provides quick and efficient customer support when it comes to claim settlement, renewal, and other various health insurance-related queries.
Rate AAA- by Crisil: A top credit rating agency in India has rated New India Assurance AAA, which signifies the company has solid financials and is a pedigree company.

Key Features of Health Insurance Plans by New India Assurance

Multiple options for Sum insured: New India Assurance offers you a wide range of sum insured options as per your needs and requirements. Their sum insured options range from Rs. 1 lakh to a high coverage of Rs. 1 crore.
Lifelong Renewability: The plans offered by the company have an inbuilt lifelong renewability feature, which means the plan can be renewed without any restrictions or age limit bar, provided you pay the policy premium on time.
No-Claim Bonus: Avail the benefit of a cumulative bonus, which increases your coverage for every claim-free year.
100% Sum Restoration: Certain plans by the company come with a sum restoration benefit that reinstates your insured sum in case you have exhausted it due to a previous claim during that policy period.

How to file a cashless claim for New India Health Insurance Plans

You will have to avail yourself of the cashless claim process when you get admitted to a network hospital of the New India Health Insurance Company.

Here are the steps to file a cashless claim for your health insurance policy.

Step 1: Inform the company 72 hours prior to a planned hospitalisation or within 24 hours in the case of an emergency hospitalisation or admission.

Step 2: Submit the dully filled pre-authorization request form and your identification proof to the TPA department in the hospital, and they will send your documents to the company for verification.

Step 3: The company will verify the claim against the terms and conditions of your policy.

Step 4: Once approved, the insurance company will intimate their decision to the hospital, and you can carry on availing of the cashless treatment in the hospital.

Step 5: If your claim is rejected, the insurance company will give you a written explanation stating the reasons for the rejection.

How to file a reimbursement claim for New India Health Insurance Plans

You will have to file a reimbursement claim when you get admitted to a non-network hospital of the company. You will initially pay the hospital bill from your own pocket and then file a refund claim with the company.

Here are the steps to file a reimbursement claim for your health insurance policy.

Step 1: Inform the company 72 hours prior to a planned hospitalisation or within 24 hours in the case of an emergency hospitalisation.
Step 2: Avail the medical treatment and pay the hospital bill from your pocket initially.
Step 3: Collect all the relevant documents and submit them to the insurance company to initiate the claim process.

Note: It is mandatory to submit the following documents within 7 days from the date of discharge from the hospital.

Documents required to be submitted to file a claim

Duly filled and signed claim request form
Photo identification
Original policy documents
Discharge Summary
Original medical reports, CT scans, diagnoses, and MRI reports
Original bills and receipts from medical and pharmacy
All original reports and documents pertaining to the treatment
Original hospital bills
FIR (if applicable)
Death certificate (if applicable)

Inclusions under New India Assurance Health Insurance plans

Following below are a few general inclusions under New India Assurance Health Plans. These inclusions may vary from policy to policy.

Inpatient hospitalisation
Intensive care unit, intensive cardiac care unit
Medical Practitioner, Consultants’ Specialist, Surgeon, and Anaesthetist Fees
Operation Theatre Charges, Surgical Appliances, Medicines, and Drugs
Dialysis, radiotherapy, chemotherapy, and the cost of a pacemaker
Pre- and post-hospitalisation expenses
Expenses incurred for Ayurvedic, Homoeopathic, or Unani Treatment
Ambulances service
Pre-existing illness after 48 months from the commencement of the policy.
Room rent, nursing boarding

Exclusions under New India Assurance Health Insurance plans

Injury due to a war invasion, an act of a foreign enemy, warlike operations, or nuclear weapons
cosmetic or aesthetic treatment, or plastic surgery, unless required to treat injury or illness.
Vaccination and Inoculation
intentional self-inflicted injury, suicide, or attempt thereat,
injury sustained while participating in or as a result of participating in any criminal act.
Sexually transmitted diseases
Treatment taken outside India
Genetical disorders and stem cell implantation or surgery
Experimental and unproven treatments
Cost of braces, equipment or external prosthetic devices, non-durable implants, eyeglasses, etc.

New India Assurance policy renewal

Online renewal process for a New India Assurance health insurance policy

Here are the quick and easy steps to renew your New India health policy online:

Step 1: Go to the official website of the company.
Step 2: Click on the “quick renewal’ tab and then click on “quick renewal.”
Step 3: Fill in all the valid details, like the customer ID and existing policy number.
Step 4: Verify your policy details and the premium quote.
Step 5: Pay your health insurance premium after verifying it using a debit, credit, or other mode of payment given.
Step 6: Once you have paid the premium, you will receive a confirmation email on your registered email ID along with a payment receipt.

Offline Renewal Process for a New India Assurance Health Insurance Policy

You can renew your health insurance policy online by visiting the nearest branch of New India Assurance Company and stating your renewal request, and they will guide you further.

You can also call the company’s customer support at their toll-free number, 1800-209-1414, and provide your details and state your request. You will be assisted further.

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What is HDFC ERGO AMS? (Registration, Login & More)

Post author By parastar
Post date April 30, 2023

What is HDFC ERGO AMS? (Registration, Login & More)

HDFC ERGO Agency Management Systems (AMS) is a one-stop solution designed for HDFC ERGO affiliated agents and brokers to manage their customers’ insurance policies and streamline their operations. In this article, we will talk about how agents can benefit from HDFC ERGO AMS platform to improve their customer service. We will also talk about its features and steps to access the platform.

We will talk about the following:

What is HDFC ERGO AMS?
How to login into HDFC ERGO AMS
How to reset password on HDFC ERGO AMS
How to register on HDFC ERGO AMS
Features of HDFC ERGO AMS
FAQs about HDFC ERGO AMS

What is HDFC ERGO AMS?

HDFC ERGO Agency Management Systems (AMS) is an online platform designed by HDFC ERGO General Insurance Company for its affiliated agents and brokers so that they can manage their operations effectively. The platform provides a wide range of features to agents in order for them to manage their customers’ policies efficiently.

HDFC ERGO AMS enables HDFC ERGO agents to generate quotes, file and track claims, issue policies for their clients, and much more. The main objective behind this platform is that the affiliated agents can provide better quality customer service to their clients.

How to login into HDFC ERGO AMS

Below are the steps you can follow to login to the platform:

Step 1: Click on this official link, i.e., https://ams.hdfcergo.com/, to log in.
Step 2: Enter the user ID and password.
Step 3: Then click on “Log in.”

You will be successfully logged into the portal.

How to reset password on HDFC ERGO AMS

In case you have forgotten your password and are not able to log in,

Follow these simple steps to reset your password:

Step 1: Go to the login page. The link for the same has been given above.
Step 2: Click on “Forgot Password.”
Step 3: Enter the intermediary code or WCT number and click on “Submit.”
Step 4: You will receive an email with a link to change your password at your registered email address with the company.
Step 5: Click on the link and reset your password.

How to register on HDFC ERGO AMS

If you are a newly affiliated agent or broker with the company and want to register yourself on the portal,

Follow these simple steps to register:

Step 1: Visit the official page of HDFC ERGO AMS.
Step 2: Click on “Register Now.”
Step 3: Enter the WCT number and intermediary code. Then click on “Register.”
Step 4: Fill in the requested details, like name, mobile number, etc.
Step 5: Also, create a username and password for the account.
Step 6: Click on “Register” to complete the registration procedure.

Features of HDFC ERGO AMS

Below is a list of features offered on this online platform:

Policy Management: Agents can effectively manage and alter the insurance policies of their clients. They can also renew policies, submit, and track claims on behalf of their customers through the portal.
Customer Management: Agents can maintain and store all important data about their clients, such as KYC documents, claims histories, and policy details, in a secure database. This feature provides a 360-degree view of each customer’s account, making it easy for agents to access and update data through the portal.
Document Management: This platform secures and stores all the policy-related documents like invoices, policy deeds, claims authorization forms, etc. in a centralized location. This feature enables the company’s agents to manage all policy-related documents for their customers effectively.
Compliance Management: Agents will be informed regularly about any changes or updates to regulatory guidelines from IRDA so that they can work in compliance with the norms and avoid any penalties.

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Frequently Asked Questions

Yes, HDFC ERGO AMS is a secure platform, as the company uses advanced technology and IT measures to protect the data of its policyholders.

Yes, the platform is specifically designed for the company’s affiliated agents and brokers.

Insurance agents can manage a wide range of policies through the portal, such as health insurance, motor insurance, travel insurance, home insurance, and much more.

Below are the benefits of the platform:

Improved customer support
Improved work performance of agents
Efficient claim servicing and tracking
Improved customer satisfaction

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HDFC ERGO Self Help (Explained)

Post author By parastar
Post date April 27, 2023

HDFC ERGO Self Help (Explained)

HDFC ERGO’s Self Help platform enables existing HDFC ERGO policyholders to easily manage their insurance policies online. They can access a variety of insurance related services such as claim submission, claim tracking, complaint handling, transfer of policies, and much more.

In this article, we will talk about the following:

Overview of HDFC ERGO Self Help Portal
Guide to using HDFC ERGO Self Help Portal
Features of HDFC ERGO Self Help Portal

Overview of HDFC ERGO Self Help Portal

HDFC ERGO Self Help is an online platform provided by HDFC ERGO General Insurance for its customers. This Self Help portal intends to increases the convenience of HDFC ERGO policyholders. This online platform offers a wide range of self service features and tools that enable policyholders to manage their HDFC ERGO insurance policies online without having to go the branch or contacting the company’s customer care.

With HDFC ERGO Self Help, policyholders can do a variety of tasks such as renewing their policies, filing claims, tracking claims, downloading policy documents, grievance redressal, updating KYC and more.

Guide to using HDFC ERGO Self Help Portal

Steps that existing HDFC ERGO policyholders need to follow in order to use the Self Help portal:

Step 1: Go to the official website of HDFC ERGO, i.e., https://www.hdfcergo.com/, and click on the “Self Help tab.” You can also directly visit the portal by clicking on this official link: https://self-help.hdfcergo.com/SelfHelp/.
Step 2: Enter your policy number, registered mobile number, and email address to log into your profile.
Step 3: Once logged in, You will see an overview of your policies and their details. Explore the interface and get acquainted with the different services and features provided on the Self Help portal.
Step 4: Once you’ve acquainted yourself with the plethora of features and services on this platform, you can manage your policies at the comfort of your home.

Features of HDFC ERGO Self Help

Below are some features available on the Self Help portal:

Transfer of Motor Policy: Policyholders can now easily transfer their motor insurance policies to the new owner of the vehicle through HDFC ERGO’s Self Help platform, making the process simple and hassle-free. This feature eliminates the need to physically visit a branch office or engage in lengthy paperwork, allowing policyholders to complete the transfer process efficiently.
Policy Renewal: Policyholders can renew their policies by making the premium payments online through the Self Help portal. The platform is secure and uses advanced technology to ensure that customer data is protected at all times.
Submit and Track Claims: You can directly file a claim via the Self Help portal. To do so, click on the “Claims” tab. Follow the instructions and submit all the documents thoroughly. Policyholders can also track the status of their claim through this portal.
Downloading Policy Documents: You can download all policy-related documents, such as policy copies, health cards, tax certificates, etc., from HDFC ERGO’s Self Help portal.
Cancellation of Policy: If the policyholder wishes to cancel their policy for any reason with the company, they can do so directly on the portal. Click on ” Policy Cancellation Request”, enter the policy details, and initiate the request. You can also keep track of policy cancellation status on the portal.
e-KYC: You can register your identification proofs, such as your Aadhaar card, PAN card, and driver’s licence, with HDFC ERGO through the Self Help portal. This feature not only saves your time but also eliminates the hassle of visiting the branch of the insurer.
Customer Support: This Self Help portal provided by HDFC ERGO offers 24/7 customer support to its policyholder’s via email, phone, and also a live chat feature.
Feedback and Complaints: Policyholders can also provide feedback about their experience with HDFC ERGO through this portal. In case of any dissatisfaction on the policyholder’s end, they can register a complaint with the company.

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Frequently Asked Questions

Yes, HDFC ERGO’s Self Help portal is a safe platform, as the company uses advanced I.T security measures to ensure that customer data is protected at all time

To register yourself on the Self Help portal, visit the website of the company. Then click on the "Self Help" tab. Register your account using your policy details and registered mobile number.

Yes, you can transfer your motor insurance policies through the Self Help platform.

HDFC ERGO Premium Calculator- Calculate your premium easily

HDFC ERGO Renewal- How to renew your policy (Simple Guide)

HDFC ERGO Login- How to login to your HDFC ERGO account

HDFC ERGO Customer Care

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How to Cancel your HDFC ERGO policy?

Post author By parastar
Post date April 24, 2023

How to Cancel your HDFC ERGO Policy?

Cancelling an insurance policy can seem like a cumbersome task, especially if you are not aware of the process. It is important to understand the steps involved in the cancellation of a policy. Hence, in this article, we will talk about the step-by-step process of policy cancellation with HDFC ERGO and the terms for premium refund.

Steps to cancel HDFC ERGO Health Insurance Policy Online

You can choose to cancel your health insurance plan with HDFC ERGO online in a matter of minutes. Follow these simple steps to cancel your plan online:

Step 1: Visit the official website of HDFC ERGO, i.e https://www.hdfcergo.com/.
Step 2: Click on the “HELP” tab at the top right corner of the page or directly click on this official link: https://self-help.hdfcergo.com/.
Step 3: Click on “Cancel Policy” and select “Policy Cancellation Request.”
Step 4: Enter the policy number, mobile number, and registered email address and click “Continue.”
Step 5: You may be asked to submit relevant documents such as a policy copy, identity proof, and address proof for authentication purposes.
Step 6: The company may charge a cancellation fee, which will be deducted from the premium paid. The cancellation fee will vary depending on the type of policy and the duration for which the policy has been in force.
Step 7: Once the cancellation process is complete, you will receive a confirmation of policy cancellation on the registered mobile and email address.

However, you can also cancel the policy by visiting the nearest HDFC ERGO branch. You can also email the company at care@hdfcergo.com to initiate a policy cancellation request, or you can contact the company’s customer care number, i.e., 022 6234 6234 or 0120 6234 6234.

Documents Required

Original policy document
Receipt of the first premium payment
Cancelled cheque for refund

Terms for Premium Refund

As per the norms of IRDA, a free look period of 15 to 30 days is provided to the policyholder from the receipt of premium payment to evaluate their policy coverage thoroughly and make an informed decision.

In the case of HDFC ERGO, the company offers a free look period of 15–30 days to review the terms and conditions of the newly purchased policy. However, if the policyholder chooses to cancel the policy during this free look period, they can do so. The policyholder can then initiate a premium refund request from the company.

If the policyholder has not made any claims during the free look period, they will be eligible for a premium refund subject to the following conditions:

The premium paid will be deducted from any expenses incurred by the insurer for the medical examinations of the policyholder, stamp duty charges, etc.
In the event that the policy is cancelled during the free look period but the coverage is already in force, the policyholder will receive refund only for the remaining non-utilized coverage.

The policyholder will be refunded the premium amount according to the rates given below:

Cancellation period	% of premium to be refunded
Up to 30 days	75%
Up to 3 months	50%
3 – 6 months	25%
After 6 months	Nil

Steps to cancel HDFC ERGO Motor Insurance Policy Online

If you have recently purchased a motor insurance policy and find the coverage unsatisfactory or have any other reason to cancel it, you can do so. To cancel your motor policy online, you can follow these simple steps:

Step 1: Visit the official website of HDFC ERGO.
Step 2: Click on the “HELP” tab at the top right corner of the page or directly click on this official link: https://self-help.hdfcergo.com/.
Step 3: Click on “Policy Cancellation Request.”
Step 4: Enter your policy number, registered mobile number, and email address. Click on “Continue.”
Step 5: The insurer may ask you to submit applicable documents such as a policy copy, identity proof, and address proof for verification purposes.
Step 6: Once all the documents are submitted, HDFC ERGO will initiate the policy cancellation process.
Step 7: Once the policy is cancelled, you will receive confirmation about the same on your registered email address and mobile number.

You can also cancel the policy by visiting the nearest HDFC ERGO branch. Email them at care@hdfcergo.com to initiate a policy cancellation request, or call the company’s customer care number given above.

Terms for Premium Refund on Cancellation of HDFC ERGO Motor Insurance

The policyholder can claim a refund if they wish to discontinue the policy within the free look period provided by the insurer. The refund amount for cancellation of a motor insurance policy with HDFC ERGO will depend on multiple factors, such as the type of policy, the duration of the coverage that has been active, and so on.

Note: The policyholder will not be eligible for any refund on cancellation of the policy after the free look period offered by the company.

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Frequently Asked Questions

Below are a few common reasons the policyholder may choose to cancel their policy:

The policyholder finds the premium expensive as compared to the company’s competitor.
The policy terms and conditions were not fully understood by the policyholder.

It takes anywhere between 7 and 15 working days to receive the refund directly into your linked bank account.

The free look period is a specified time frame given to policyholders by the insurance company to thoroughly review the terms and conditions of the newly purchased policy. In the event that the policyholder is not satisfied with the policy coverage for various reasons, they may choose to cancel the policy. If policyholders cancel their policy during this period, the company will refund the premium amount paid by them.

HDFC ERGO offers a free look period of 15 days up to 30 days from the date of policy issuance, depending on the type or duration of the policy.

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HDFC ERGO Plans

HDFC ERGO Energy Plan Explained

Post author By parastar
Post date April 23, 2023

HDFC ERGO Energy Plan Explained

Are you looking for a diabetes health plan for yourself or a loved one? HDFC ERGO’s Energy Plan is one such plan that can safeguard the health and financial stability of individuals suffering from diabetes.

In this article, we will talk about the HDFC ERGO Energy Plan, its benefits, plan features, exclusions, claim process, renewal process, premium chart, and frequently asked questions.

HDFC ERGO Energy Plan

HDFC ERGO’s Energy Plan is a comprehensive plan designed to provide protection and support to individuals suffering from diabetes and hypertension. This plan offers coverage for Type 1 or Type 2 Diabetes Mellitus, Impaired Fasting Glucose (IFG), Impaired Glucose Tolerance (IGT), or Hypertension.

HDFC ERGO’s Energy Plan is designed to help you manage your health conditions by covering medical expenses such as doctor visits, medications, inpatient treatment, health check-ups, and so on. This plan is available in two variants: the Silver Plan and the Gold Plan.

HDFC ERGO’s Energy Gold Plan comes with the added benefit of a wellness program. As part of the program, the insured individual will have access to two complete medical checks during the policy year.

Benefits of HDFC ERGO Energy Plan

Below are a few benefits that the policyholder can avail of when opting for this plan:

In-patient Care: Along with offering comprehensive coverage, the plan will cover all hospitalization expenses arising out of diabetes and hypertension from day one of the policy period.
Pre-hospitalisation Expenses: Expenses related to any medical treatment that occurred 30 days prior to hospitalization will be covered by this plan.
Post-Hospitalisation Expenses: All medical expenses incurred within 60 days from the date of discharge will be covered under the plan.
Daycare Treatments: This plan covers 150+ daycare procedures and treatments.
Organ Donor Expenses: This plan covers medical expenses associated with the harvesting of organs from the donor for transplantation purposes.
Ambulance Charges: This plan covers ambulance services up to Rs. 2000 per hospitalization during the policy period.
Sum Restoration Benefit: This plan offers a 100% sum restoration benefit that automatically reinstates the sum insured once during the policy period in the event that the policyholder has exhausted their coverage limit due to hospitalization.
HbA1C Benefit: The company will reimburse up to Rs. 750 for an HbA1C test check-up once during the policy period.
No Claim Bonus: The company will increase the sum insured by 10% for every claim-free year, not exceeding more than 100% of the sum insured during any policy year.

Features of HDFC ERGO Energy Plan

Now, let us discuss a few key features of the HDFC ERGO Energy Plan:

Lifetime Renew-ability: HDFC ERGO’s Energy Plan comes with a lifetime renew-ability option, which means the policyholder can renew their policy lifelong without any bar or restriction on age limit.
Sum Insured: Both the variants, Gold and Silver Plan, have the same sum insured options, starting from Rs. 2 lakh up to Rs. 50 lakh.
Co-payment: The plan offers the flexibility of choosing between two options: with or without a 20% co-payment. Policyholders can choose to opt for the co-payment feature based on their preferences.
Policy tenure: The tenure of this policy is one year, and the policy can be renewed on a yearly basis.

Exclusions under the HDFC ERGO Energy Plan

Below are a few general exclusions under the HDFC ERGO Energy Plan:

Pre-existing Conditions: Any pre-existing illnesses other than hypertension and diabetes will be covered after a waiting period of two years.
Self-Harm: Any kind of intentional harm, like suicide, drug abuse, etc., suffered by the policyholder will not be covered under the policy.
Sexually Transmitted Diseases: Medical expenses arising out of any STDs or venereal illnesses like AIDS, HIV, herpes, etc. will not be covered under the policy.
Mental Disorders: The cost of treatment for any mental illnesses or psychiatric disorders such as schizophrenia, psychosis, and so on will not be covered under this plan.
Cosmetic Procedures: Expenses arising out of any obesity treatments or cosmetic procedures will not be covered under the plan.
Injury due to War: Any kind of injury suffered due to war, nuclear attacks, or criminal attacks will not be covered under the plan.
Adventurous Sports: Any injuries suffered due to participation in adventurous sports like bungee jumping, rock climbing, etc. will not be covered under the plan.

How to file a claim with HDFC ERGO Energy Plan?

Follow these simple steps to file a claim with HDFC ERGO Energy plan:

There are two ways the policyholder can file a claim: Cashless and Reimbursement Claim

Cashless Claim

Step 1: The policyholder can file a cashless claim when admitted to a network hospital of the insurer.
Step 2: Inform the insurance company immediately about the hospitalization by contacting HDFC ERGO’s customer care claims toll-free number, i.e., 022 6234 6234 or 0120 6234 6234.
Step 3: Always carry your cashless card and photo identification proofs.
Step 4: Dully fill out and sign the pre-authorization form available at the TPA department in the hospital.
Step 5: Once the pre-authorization form is received, the insurer will verify the claim.
Step 6: HDFC ERGO will inspect all the documents and approve the claim accordingly.

Note: In the event of a claim rejection, HDFC ERGO will state the reason for the same in writing.

Reimbursement Claim

The policyholder will have to file a reimbursement claim when admitted to a non-network hospital of HDFC ERGO. Follow these simple steps to file a reimbursement claim with the insurer:

Step 1: Get admitted to the nearest hospital and avail yourself of treatment.
Step 2: Inform the company immediately in the event of hospitalization.
Step 3: Post-discharge, submit all the required documents, like bills, reports, etc., to HDFC ERGO.
Step 4: After thorough verification, the insurer will reimburse the claim amount directly to your bank account.

Documents Required

Below are a few important documents that you need to submit in order to file a claim:

Original bills
All original test reports, x-ray scans, prescriptions, etc.
Discharge summary
Death certificate (if applicable)
FIR (if applicable)

How to renew HDFC ERGO Energy Plan?

Below are the steps to renew your HDFC ERGO Energy Plan:

Step 1: Visit the official website of the insurer, i.e., https://www.hdfcergo.com/.
Step 2: Go to the “Renew” tab at the top-right corner of the page.
Step 3: Select “Health Insurance.”
Step 4: Enter your policy number, registered email address, and mobile number, and click on “Renew Now.”
Step 5: Verify all the policy details and make the payment online. Your policy will be instantly renewed, and you will receive a confirmatory email to your registered email address.

HDFC ERGO Energy Plan Premium Table

Below is a sample premium table for the HDFC ERGO Energy Plan to give you a better understanding of policy coverage and its premium amount according to different age groups.

HDFC ERGO Energy Plan: Silver Plan (Without Co-payment Feature)

Age	SI- 2 Lakhs	SI- 5 Lakhs	SI- 15 Lakhs	SI- 25 Lakhs	SI- 50 Lakhs
18-35 years	Rs. 5,642	Rs. 9,697	Rs. 14,360	Rs. 18,789	Rs. 24,157
36-45 years	Rs. 6,733	Rs. 12,305	Rs. 18,220	Rs. 23,838	Rs. 30,648
46-50 years	Rs. 10,302	Rs. 16,923	Rs. 25,057	Rs. 32,785	Rs. 42,152
51-55 years	Rs. 12,510	Rs. 21,867	Rs. 32,376	Rs. 42,363	Rs. 54,465
61-65 years	Rs. 22,163	Rs. 36,497	Rs. 54,039	Rs. 70,704	Rs. 90,906
66-70 years	Rs. 29,695	Rs. 49,487	Rs. 73,274	Rs. 95,874	Rs. 123,266
71-75 years	Rs. 35,334	Rs. 60,159	Rs. 89,076	Rs. 116,549	Rs. 149,848
76-80 years	Rs. 45,886	Rs. 78,273	Rs. 115,896	Rs. 151,639	Rs. 194,964

HDFC ERGO Energy Plan: Gold Plan (Without Co-payment Feature)

Age	SI- 2 Lakhs	SI- 5 Lakhs	SI- 15 Lakhs	SI- 25 Lakhs	SI- 50 Lakhs
18-35 years	Rs. 10,642	Rs. 14,697	Rs. 19,360	Rs. 23,789	Rs. 29,157
36-45 years	Rs. 11,733	Rs. 17,305	Rs. 23,220	Rs. 28,838	Rs. 35,648
46-50 years	Rs. 15,302	Rs. 21,923	Rs. 30,057	Rs. 37,785	Rs. 47,152
51-55 years	Rs. 15,302	Rs. 26,867	Rs. 37,376	Rs. 47,363	Rs. 59,465
61-65 years	Rs. 27,163	Rs. 41,497	Rs. 59,039	Rs. 75,704	Rs. 95,906
66-70 years	Rs. 34,695	Rs. 54,487	Rs. 78,274	Rs. 100,874	Rs. 128,266
71-75 years	Rs. 40,334	Rs. 65,159	Rs. 94,076	Rs. 121,549	Rs. 154,848
76-80 years	Rs. 50,886	Rs. 83,273	Rs. 120,896	Rs. 156,639	Rs. 199,964

Learn more about the plan via the plan brochure.

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Frequently Asked Questions

No, this plan is specifically designed for individuals suffering from diabetes or hypertension.

Yes, it is mandatory to undergo a health checkup before purchasing this plan.

HDFC ERGO’s Energy Gold Plan comes with the added benefit of a wellness program. As part of this program, the policyholder will have access to two complete medical checks during the policy year.

Wellness Test 1: Body Mass Index (BMI), HbA1c, and Blood Pressure Monitoring.
Wellness Test 2: Total Cholesterol, Creatinine, High-Density Lipoprotein (HDL), HbA1c, FBS, Billirubin, Total Cholesterol: HDL Cholesterol, ECG, Blood Pressure Monitoring, BMI, doctor consultation, Serum Albumin, Gamma-Glutamyltransferase (GGT), Serum Glutamic Oxaloacetic Transaminase (SGOT), Serum Glutamic Pyruvic Transaminase (SGPT.)

Yes, this plan offers comprehensive coverage, protecting against all illnesses and accidents during the policy term.

Individuals between 18 and 80 years of age can opt for this policy.

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How to check your HDFC ERGO Claim Status

Post author By parastar
Post date April 18, 2023

How to check your HDFC ERGO Claim Status?

In today’s time, insurance has become an integral part of our lives offering financial support in times of crisis. An insurance policy offers much-needed assistance during difficult times. Hence, it is advisable that policyholders remain vigilant when it comes to monitoring and tracking their claims.

Hence in this article, we will guide you as to how you can keep a track of your claim status with HDFC ERGO.

What is Claim Status?
Importance of checking your Claim Status
How to check your HDFC ERGO Health Insurance Claim Status?
How to check your HDFC ERGO Motor Insurance Claim Status?
How to file a claim with HDFC ERGO?
Steps to file a policy-related grievance with HDFC ERGO

What is Claim Status?

In simple words, claim status refers to the present stage of the claim filed by the insured individual with the insurance company. It assists the policyholder in keeping track of the advancement of their claims. Policyholders can check their claim status in a matter of minutes through the official website of the insurer, through mobile apps, or by reaching out to the customer support team of the insurance company.

Importance of Checking Claim Status

Once you have filed a claim with your insurance provider you must keep a track of the claim status. Knowing the status of your claim allows you to stay informed about the progress of your claim. This provides you with updates on issues like the additional requirements of other documents. Tracking the claim status can also assist the policyholder in anticipating when they can receive the claim amount so that they can manage their finances accordingly.
In conclusion, keeping track of your claim status not only provides you with important policy-related information but also relieves any stress related to the claim process.

How to check your HDFC ERGO Health Insurance Claim Status?

To check the claim status of your HDFC ERGO health insurance policy, follow the steps below:

Step 1: Visit the official website of the insurer i.e https://www.hdfcergo.com/
Step 2: Click on the “Claim” option at the top right corner, and then click on the “Track Claim Status.”
Step 3: Enter all the requested details like policy number, registered mobile number, and date of birth to successfully log in.
Step 4: The current status of your claim will be displayed.

Also, you can use the AI chat-box called “DIA” on the company’s website to track your claim status. Enter your policy details, select the “Claims” option, and click on “Check Claim Status” to know the present status of your claim.

Check Claims via HDFC ERGO Mobile App: You can also download the HDFC ERGO Mobile Application to check your health insurance claim status. Enter your policy number and registered mobile number to log in successfully, then click on “My Policies,” and select the “Track Claim” option to know the recent status of your policy.

The policyholder can also contact the company’s customer care at 022 6234 6234 and can also write a mail to the official email address i.e preauth@hdfcergo.com.

How to check your HDFC ERGO Motor Insurance Claim Status?

Now let us guide you on how you can track your HDFC ERGO Motor Insurance Claim Status Online

Follow these simple steps to track your motor insurance policy claim status in a matter of minutes:

Step 1: Go to the official website of HDFC ERGO at www.hdfcergo.com.
Step 2: Click on the “ Claims” section at the top right corner of the page.
Step 3: Then select “ Track Your Claim”.
Step 4: Enter all the requested details like policy number, claim number, etc.
Step 5: Select “Track” to view the current status of your car insurance claim.

You can also check HDFC ERGO motor insurance claim status by visiting the nearest branch of the company or contacting the company’s customer care toll-free number.

How to file a claim with HDFC ERGO?

To file a claim with HDFC ERGO follow these simple steps:

Step 1: Inform the insurer immediately in case of any unforeseen event. You can inform the insurer by calling their customer care toll-free number.
Step 2: Depending on the nature of the claim, submit all required documents such as medical bills or car bill invoices to HDFC ERGO.
Step 3: After a thorough verification the claim will be approved by the company.

Steps to file a policy-related grievance with HDFC ERGO

Step 1: Visit the official website of HDFC ERGO.
Step 2: Click on the “Contact US” option at the top right corner of the website.
Step 3: Then select the “Grievance Redressal” tab placed on the menu below.
Step 4: Click on the “Register Your Grievance” option.
Step 5: Mention your grievance along with other details like policy number, claim number, etc, and click on “Submit.”

After you have registered your complaint HDFC ERGO will investigate the case and provide a resolution within a specific time limit. In case you are not satisfied with the resolution you can escalate the case to the Grievance Redressal Officer of IRDA.

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Frequently asked questions

The company takes anywhere between 7 days and up to 30 working days, depending on the case to process the claims.

Yes, your policy claim status can be easily checked online through the official website of the insurer.

Claim status refers to the current stage of a claim filed by a policyholder with their insurance provider. A claim status provides information about the progress of the claim, and whether it has been approved.