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Download HDFC ERGO Health Insurance Policy Online

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Medically Reviewed by Dr. Aman Priya Khanna
Written by Hexahealth Care Team, last updated on 12 December 2023| min read
Download HDFC ERGO Health Insurance Policy Online

Quick Summary

HDFC ERGO Health Insurance Policy

  • Provides coverage for hospitalization, surgical expenses, and medical treatments.
  • Offers a wide range of plans to choose from, depending on your needs and budget.
  • Has a network of over 1,000 hospitals across India.

HDFC ERGO Health Insurance Policy

Understanding what is Health Insurance?

Health insurance keeps your money safe during medical emergencies. It covers hospitalisation costs, diagnosis, daycare treatments, or emergency hospital visits, depending on the type of policy you have chosen. 

When you decide to get health insurance for you and your family, you must choose the most suitable policy based on your needs. Once you narrow down the ideal policy that ensures your future requirements, all you need to do is fill up a proposal form and pay the premium cost to the insurance company. After this, the company sends your policy document to the given address. The same can be downloaded online as well.

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About HDFC ERGO Health Insurance

HDFC ERGO insurance is a joint venture between HDFC Limited and ERGO International. ICRA Limited (formerly called Investment Information and Credit Rating Agency) gave an ‘iAAA’ rating for the highest claim ratio of HDFC ERGO Health insurance. It is now the second-largest private insurance company in the health insurance business.

Key features of HDFC ERGO Health Insurance

HDFC ERGO Health insurance holds a reputation for being reliable to its customers. The company provides great customer support, and this is also one of the reasons why HDFC ERGO is one of the biggest insurance companies in India. Multiple other key features have strengthened the trust of people in HDFC ERGO Health insurance, such as:

  1. HDFC ERGO has more than 11,000 network hospitals that provide the facility of cashless hospitalisation. 
  2. It has a solvency ratio of 2.02. A solvency ratio is the ability of the company to meet the long-term financial demands of its customers. As per IRDAI, health insurance companies must maintain a solvency ratio of 1.5. In this respect, HDFC ERGO is highly reliable. 
  3. HDFC ERGO has a claim settlement ratio (total claims that a company settles in one year) of 98.36%, which shows that they care for their customer’s needs. 
  4. The company has 170 plus branches across India, which makes it easier for customers to reach out for queries or to resolve claim-related issues. 

Types of HDFC ERGO policies

HDFC ERGO Health insurance offers a wide range of policies covering a variety of needs of its customers. The following are the types of policies offered by HDFC ERGO. 

  1. my: Optima Secure 
  2. Health Insurance Plan for Family
  3. Health Insurance Plan For Aspiring Individuals
  4. Health Insurance Plan For ageing Families 
  5. Health Insurance Plan For Corporate Employees 
  6. Health Insurance Plan For Diabetic 
  7. Health Insurance Plan for Women 
  8. One Crore Health Insurance Plan 

To know more policy-related details, refer to the website of HDFC at “www.hdfcergo.com”

Benefits of HDFC ERGO Policies

The HDFC ERGO Health insurance policies provide their customers with various benefits. The following are some of the most significant advantages of getting an HDFC ERGO policy:

  1. 2X coverage at no additional costs - Your base cover gets doubled upon purchase without extra costs. 
  2. No capping on room rent 
  3. Unlimited daycare procedures
  4. Coverage for pre and post hospitalisation
  5. Savings on tax
  6. Regular health checkups
  7. Zero deductions on listed non-medical expenses

If you’ve already purchased your health insurance from HDFC ERGO, it is pretty easy to get the policy copy from their website. The steps to download HDFC ERGO policy online are mentioned in the following section. 

How to Download a Copy of HDFC ERGO Health Insurance Policy?

Generally, a policy copy is sent to the policyholder’s registered email ID and mobile number once it is issued. If you don’t receive your policy copy until 24 hours of its issuance, you can download it easily from the website of HDFC ERGO.  Steps for HDFC ERGO health insurance policy download:

You can easily download the HDFC ERGO health insurance policy copy by visiting their official website “https://www.hdfcergo.com/”. 

  1. Step 1: On the official website of HDFC ERGO, click on the ‘Help’ button and select ‘My Policies’ from the drop-down menu.
  2. Step 2: After clicking the ‘my policies’ button, you will need to enter details, such as your policy number, mobile number, or email address, for authentication. 
  3. Step 3: You will receive an OTP (one-time password) on your given mobile number or email ID for verification. 
  4. Step 4: Once the verification is done, the policy document will be sent to you on your email id. 

If you still face any issues, here are some other ways for HDFC ERGO health insurance policy download:

  1. Whatsapp at 8169500500
  2. Send a query on the chatbot at the official website
  3. Download the mobile app 

The online copy is also valid proof of your chosen insurance policy. If you haven’t received the hard copy of the policy, you can download the HDFC ERGO insurance policy from the website in a PDF format and get its printout.

How to make changes in your insurance policy?

You must fill in accurate information about yourself and your family, whatever the insurance policy covers. If you find out that your contact details are incorrect after the policy issuance, you must change them so that you don’t face any problems while claiming the converge. Following are the steps to change contact details in your policy:- 

  1. Step 1: Visit the website of HDFC ERGO at “www.hdfcergo.com” 
  2. Step 2: You will see a help button at the top right corner of the home page. Click the help button and choose ‘Update contact details from the drop-down menu. 
  3. Step 3: Once you click on the ‘Update contact details’ button, you will be taken to another page where you need to enter your policy number, registered mobile number, or registered email ID to access your policy.
  4. Step 4: You can change your name, address, or other contact details. 

Takeaway

As we are in a digital age, carrying and maintaining hard copies is no longer essential. Online copies of important documents are equally valid and can serve the same purpose as a hard copy. So, download your HDFC ERGO health insurance policy online from the HDFC ERGO website in a few simple steps. This blog has already listed multiple options for you to download your HDFC ERGO health insurance policy. Refer to it at your convenience to solve your purpose. 

For further help, you can contact HexaHealth experts online to know more about health insurance and what would be the best health insurance policy for you and your family. Our team of trained professionals is here to resolve all your insurance-related issues and guide you throughout the process.

Frequently Asked Questions

You can easily download the HDFC ERGO health insurance copy by visiting their official website “www.hdfcergo.com”. Here are the steps for HDFC ERGO health insurance policy download:

  1. On the official website of HDFC ERGO, click on the ‘My Policies’ button. 
  2. After clicking the ‘my policies’ button, you will need to enter details, such as your policy number, mobile number, or email address, for authentication. 
  3. You will receive an OTP (one-time password) on your given mobile number or email ID for verification. 
  4. Once the verification is done, the policy document will be sent to you on your email id.

Once the policy is issued, a copy of the policy is shared on your registered mobile number or email id. If you haven’t received your policy copy, you can visit the help section on the official website after 24 hours of issuance. Other ways to download the copy are:

  1. Whatsapp at 8169500500
  2. Send a query on the chatbot at the official website
  3. Download the mobile app

You can easily track your health policy status by visiting selfhelp.hdfcergo.com and entering your login details (mobile number, email id, or policy number).

To login to the HDFC ERGO portal, any of the following details are sufficient:- 

  1. Registered mobile number
  2. Registered email ID
  3. Policy number

If you have forgotten your ERGO policy number, there are many ways to get back your policy details, such as:- 

  1. Log in to your portal on the official website using the registered mobile number or email ID. The policy details are available on the customer’s portal. 
  2. Call the customer care team and verify a few details to get the policy number. 
  3. You can also search your earlier emails and SMS for policy details. 

According to The Economic Times, HDFC ERGO withdrew from Policy Bazaar and other web aggregators to build its own digital capabilities. It was a strategic step which didn’t cause any harm to the relationship between Policy Bazaar and HDFC ERGO.

You can get your policy details by simply giving a missed call on 08000006609 from your registered mobile number and waiting for the call to get disconnected. You will receive your policy details via SMS immediately. 

You can get your premium payment certificate from HDFC ERGO following the steps given below:

  1. Visit the website of the HDFC ERGO health insurance company 
  2. You will find the ‘Resources’ section. Click on the button and choose ‘Self Help’. 
  3. In the ‘Self-Help’ section, click on the ‘Policy document’. 
  4. Then you will have to enter your personal details, such as email ID or policy number. 
  5. Click the ‘Submit’ button and download the payment receipt for reference.

You can contact HDFC ERGO through their customer support. Their customer service number is: 022-62346234.

You can download the pdf of your policy copy from the mobile app and the website of Policy Bazaar by logging in through your registered mobile number. Steps to download a pdf from the Policy Bazaar app:

  1. First, log in with your registered mobile number.
  2. Go to ‘Policies’ and click the ‘Active Plans’ button.
  3. From the ‘Active Plans’, you can easily download the PDF of the desired policy. 

From the website:

  1. Sign in with your registered email ID or mobile number.
  2. Go to your profile and select ‘Your Policies’. 
  3. Finally, download the pdf of the respective policy.

To file a claim, you need to follow the steps given below:

  1. If you are being hospitalised, you need to inform the insurance company. You can give a call on any of these numbers: 1800- 2- 700-700 or 1800-200-1999. 
  2. Upon discharge, the policyholder has to pay all the hospital costs and keep the original bills safe to show the insurance company. 
  3. Then submit these bills to the insurance company for processing and reimbursement. The company will cover the medical expenses if your claims align with your policy.

The client ID is a unique identification provided by the insurance company so that the policyholder can access all his or her accounts through one ID. 

You can register for the HDFC ERGO claim process following the steps given below:

  1. Give your NEFT details in the claim form along with a cancelled cheque. 
  2. For claims amounting to one lakh and above, provide a KYC form and a photocopy of any one of the KYC documents. (KYC document examples - Adhar Card, Passport, Driving Licence, Voter ID, etc.)

Last Updated on: 12 December 2023

Disclaimer: The information provided here is for educational and learning purposes only. It doesn't cover every medical condition and might not be relevant to your personal situation. This information isn't medical advice, isn't meant for diagnosing any condition, and shouldn't replace talking to a certified medical or healthcare professional.

Reviewer

Dr. Aman Priya Khanna

Dr. Aman Priya Khanna

MBBS, DNB General Surgery, Fellowship in Minimal Access Surgery, FIAGES

12 Years Experience

Dr Aman Priya Khanna is a well-known General Surgeon, Proctologist and Bariatric Surgeon currently associated with HealthFort Clinic, Health First Multispecialty Clinic in Delhi. He has 12 years of experience in General Surgery and worke...View More

Author

About Authors

HexaHealth Care Team

HexaHealth Care Team brings you medical content covering many important conditions, procedures falling under different medical specialities. The content published is thoroughly reviewed by our panel of qualified doctors for its accuracy and relevance.

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