HDFC ERGO Health Insurance Kaise Le | HDFC ERGO Health Insurance Starting at ₹ 16/day | Best HDFC ERGO Health Insurance Plans |
How to take HDFC ERGO Health Insurance | HDFC ERGO Health Insurance Starting From ₹ 16/day | Best HDFC ERGO Health Insurance Plans |
Hello friends, welcome to our another post. So dealing with well-being is an extremely challenging task in the present times. The disease reaches its extraordinary level, in fact at that point even the specialist learns that this person is also overweight, this person has the disease, assuming that a very large tumor is developing inside someone, For some reason or the other. . Consuming a ton takes a toll on our health because of well being. Also, around that time, we don't have enough intention to manage that cost, that we can take care of the particularly huge bill of the emergency clinic and give the patient a ton of clinical office, So companions who have medical coverage eg medical coverage plays an important role in the survival of that person in that group of people who are battling that disease at that time. Health care coverage helps a person when that person has no way out for money yet has to go ahead with his/her treatment or has lost cash for his/her treatment due to some other explanation. So this health care coverage can help that person a ton. Friends, you know how these medical coverages help us, how they work, in the current post we will give you data about someone who helps us. Do you know at least a little something about this medical coverage conversation? For many of you reading this post right now, they don't have great data about health care coverage, assuming you have some data, one should realize that it won't. So these days anyone who takes a second vehicle, another person these days, in any event, when you take a second home, you actually protect that if there is any damage to their vehicle for any reason, they get into an accident. . The vehicle can get their salary. Still, fellows, many people neglect health by any stretch of the imagination, they don't come after their medical insurance or health care coverage, which could be important to them in the times to come. By doing so, he causes unbelievable harm to himself as well as his family. By one measure, we have more than 70% of persons in India who lack medical coverage at the date of work. Many people don't even notice it and some people are taught, they think about it, yet they have a ton of faith in not getting their karma done. So friends today in this post we will try to tell you what is medical insurance, people should know about it so that they can also know that the way you protect your vehicles, health insurance is also It is without question. This is necessary so that people can become aware of this and they should also get their medical or HDFC ERGO Health Insurance.
What is health care coverage and what are its benefits?
It is said that no one can be trusted when time goes anywhere. In such a situation, health care coverage is of great help to you, peers, your family and presently when you go into an off-base situation. In this negotiation, you will have to pay a fee from the organization from which you have taken the medical coverage. In the event that anything happens to that person, the premium is paid and during the better installment. Then in such a situation, the health insurance organization gives that understanding to many important posts, clinic expenses, installments of prescriptions etc. Medical expenses. Friends, you have got to know what is medical coverage, yet which is the best health care coverage, which organization gives best HDFC ERGO Health Insurance health care coverage, it is definitely challenging to know because these days health The number of care coverages is enormous. look outside. It is over friends, today we have brought for you a wonderful medical coverage organization named; HDFC ERGO Health Insurance
3 Types of Health Insurance Plans HDFC ERGO Health Insurance
what you should know about
1. Indemnity Health Insurance Plan - Indemnity Health Insurance Plan
This type of HDFC ERGO Health Insurance health insurance plan pays for your actual medical expenses on a cashless and reimbursement basis up to the sum insured. This is the most basic health insurance plan that everyone should have. Optima Restore HDFC ERGO is one of the most recommended indemnity health insurance plans offered by HDFC ERGO Health Insurance.
A - Optima Secure - Optima Secure
4X health cover at no extra cost**
Sum Assured from 5 lakh -2 crore lakh
Multiple Discount Options Save up to 50% on premiums with our various discount options.
Protect Benefit Zero Deduction on Listed Non-Medical Expenses^^
B - my:health Suraksha - my:health Suraksha
comprehensive yet economical
No room rent capping: Choose your desired hospital room
Preventive Health Checkup: On Every Renewal
Sum Insured Rebound: Magical Backup That Restores Expired Sum Assured
C - Optima Restore - Optima Restore
Recommended for small families
Sum Assured from 5-50 lakhs
Restore Benefit Instantly add 100% of the Basic Sum Assured to your cover on your very first claim.
The multiplier benefit doubles your sum assured in two consecutive claim-free years.
D - my:health Koti Suraksha -
Large coverage @ small prices
50 lakh and 1 crore sum insured available
No room rent till private AC room
Unlimited Day-Care Procedures
2. Top-up Health Insurance Plan -
As the name suggests, a top-up HDFC ERGO Health Insurance health insurance plan acts as an addition to your existing health insurance. A top-up plan works best if you already have health insurance or corporate health cover and want to get comprehensive cover at a low premium. HDFC ERGO Health Insurance At HDFC ERGO, we have gone a step ahead to offer you a super-top up plan that strengthens your existing health cover. It offers extremely high coverage at low premiums.
A - my:Health Medisure Super Top - High health cover at pocket-friendly premium health Medisure Super
No health check-up till the age of 55 Years of age Non-continuous premium payment from the age of 61 Get more Pre-hospitalization expenses Proposal total deductible Covered Acts on day care procedures
3. Fixed Benefit Health Insurance Plan - Fixed Benefit Health Insurance Plan
While indemnity based health insurance and top up plans pay medical bills on an actual basis, lump sum benefit based health insurance plans pay you a lump sum or a lump sum. It is beneficial to meet the endless medical expenses arising out of serious diseases like stroke, cancer, paralysis, multiple sclerosis etc. HDFC ERGO Health Insurance
A - Critical Illness Insurance -
Covers up to 15 critical illnesses
lump sum payment in a single transaction
2 plans available
Option to buy for 1st and 2nd year
B - iCan Cancer Insurance -
All types of cancer cover
cashless cancer treatment
60% Sum Assured is available for lump sum payment
Get 100% of SI for cancer treatment
Understand the coverage offered by HDFC ERGO Health Insurance health insurance policies
A- Cost of hospitalization :-
Like every other health insurance plan HDFC ERGO Health Insurance, we basically cover your hospitalization expenses like room rent, ICU, tests, surgeries, doctor's consultations etc. due to illnesses and injuries.
B-mental health protection
We believe that mental health care is as important as hospitalization due to physical illness or injury; Hence, we cover the cost of hospitalization for the treatment of mental illnesses. HDFC ERGO Health Insurance
C- Before and after hospitalization
This means that all your pre-hospitalization expenses up to 60 days prior to the date of admission and post-hospitalization expenses up to 180 days after discharge are covered.
D - Day Care Treatment
Medical advances help critical surgeries and treatments complete in less than 24 hours, guess what? We have you covered for that too.
E - Home Healthcare
Cashless home healthcare for medically necessary treatment of ailments, if prescribed by a physician.
F - Sum Assured Rebound
This benefit adds to the Sum Assured, an amount equal to the claim amount, up to the Basic Sum Assured, in case of subsequent hospitalization.
G - Organ Donor Expenses
Organ donation is a noble act and we cover the organ donor's medical and surgical expenses while harvesting a major organ from the donor's body.
H - recovery profit
If you stay in the hospital for more than 10 days in a row, we pay for other financial losses. It helps to take care of other expenses during your hospitalization.
I - AYUSH Benefits
Your faith in alternative treatments like Ayurveda, Unani, Siddha and Homeopathy remains intact as we also cover hospitalization expenses for AYUSH treatments.
J - Preventive Health Checkup
We care about your well being and that's why we offer preventive health checkups at the time of renewal.
K - Lifetime Renewability
Once you have secured yourself, our health insurance plan never looks back. Our health plan HDFC ERGO Health Insurance continues to cover your medical expenses for your entire lifetime at break free renewal.
L - Multiplier Profit
If no claim is made in the first year, the sum assured will increase by 50% in the next policy year. This means that, instead of ₹ 5 lakh, your Sum Assured will now be ₹ 7.5 lakh for the second year.
हिन्दी में पढ़ने के लिए यहा क्लिक करे :
How to claim for your HDFC ERGO Health Insurance
Health insurance cashless claims are approved within 20 minutes*~
~
A - Information
Fill the pre-authentication form at Network Hospital for cashless approval
B - Acceptance/Rejection
After the hospital informs us, we send you the status update
C - hospitalized
Hospitalization can be done on the basis of pre-certification approval
D - Claim Settlement
At the time of discharge, we settle the claim directly with the hospital
Frequently Asked Questions on Health Insurance
1. I am covered under my employer's group policy, do I need a separate health insurance policy?
Yes. You need an individual health insurance plan because your employee health insurance covers medical expenses only for as long as your employment with the organization is valid, the moment you leave the job, your policy term ends. Considering medical inflation, it is important to have an individual health insurance plan, which you choose as per your medical needs, unlike a corporate health plan which is usually designed for all employees.
2. What are the benefits of health insurance portability for policy holders?
Portability helps you switch your health insurance plan so that you don't have to go through a new waiting period again, instead easily move from one insurer to another if your current plan doesn't help you cover rising medical costs. Still working.
3. What do you understand by pre-existing disease?
A pre-existing illness is a condition, illness or injury that is pre-existing when you purchased a health insurance policy and these PEDs are usually excluded from policy coverage for the initial waiting period. It could be diabetes, high blood pressure, thyroid, asthma etc.
4. In a health insurance policy, what is meant by cashless hospitalization?
Cashless hospitalization is a process in which the insured does not have to pay out-of-pocket medical expenses in case of hospitalization or surgery. However, you may have to pay certain deductible or non-medical expenses while on vacation.
5. What are the pre and post hospitalization expenses?
Whenever you plan for surgery there are some pre-hospitalization expenses like diagnosis cost, consultation etc. Similarly post-discharge can be similar expenses for monitoring the health of the insured patient, such expenses can be taken away from hospitalization. called before and after expenses.
6. Do I need to undergo any medical check-up before buying health insurance?
Yes, you may need to go through a medical test before buying health insurance. Also, some health insurance policies ask for this only if you have a pre-existing disease or are above 40 years of age.
7. How can I add my family members to my existing policy?
You can add your family members at the time of purchase or renewal of the policy.
8. At what age can I enroll my children in the scheme?
You can include your child 90 days after birth up to 21 years.
9. What are the benefits of buying health insurance at a young age?
You have to pay lower premium and higher benefit. The chances of getting a pre-existing disease are less so the waiting period may not affect you either. Plus, common illnesses like the flu and accidental injury can happen at any age, so it's important to stay covered even when you're young.
10. Can a person have more than one health insurance policy?
Yes. You can always have more than one health insurance plan depending on the requirement and coverage requirements as each plan works differently and offers different benefits.
11. What do you understand by waiting period in health insurance plans?
The waiting period is the period of time during which you cannot file a claim with your insurance provider to avail some or all of the health insurance benefits for a specified illness. This means you have to wait for a certain amount of time before making a claim.
12. What is 'Free Look Period'?
During this free look period, you have the option to cancel your policy without penalty if you feel that your policy is not beneficial. Depending on the insurance company and the plan offered, the free look period can be 10-15 days or more.
13. What do you understand by network/non-network hospitalization?
Network hospitals, often called cashless hospitals, are linked with your insurance company, allowing you to take advantage of cashless hospitalization, however whenever you are admitted to a non-network hospital you will have to pay bills first. have to be paid and later claim for reimbursement. Always choose a health insurance company that has a large network like HDFC ERGO Health Insurance..
14. What is "domestic hospitalization"?
When the insured is in such a condition that he cannot be taken to the hospital or is treated at home due to non-availability of room in the hospital, it is called Domiciliary Hospitalization.
15. What are the benefits under Basic Hospitalization?
In case of hospitalization cover, we cover pre and post hospitalization expenses for your diagnostic tests, consultations and medicine costs. We also comprehensively cover ICU, Bed charges, Medicine costs, Nursing charges and Operation Theater expenses.
16. What is the right age to buy a health insurance policy?
You can buy a health insurance plan for yourself at the age of 18 years before you can cover yourself under the family health insurance plan.
17. Can a minor buy health insurance?
No, health insurance cannot be purchased by a minor individually, although parents can cover the child under their family floater health insurance.
18. What should I do if I am admitted to a non-network hospital?
Whenever you are admitted to a non-network hospital, you have to pay the bills first and then claim for reimbursement. Always choose a health insurance company that has a large network hospital tie-up like HDFC ERGO Health Insurance. having 10,000+ cashless hospital network.
In some perspectives, you should give data on specific things. After filling these, you can take health care coverage. After choosing any arrangement from HDFC ERGO Health Insurance, you should show your important report which will include aadhar card, pan card, ration card and a part of your photographs and so on you will get in that application.
Friends, in today's post we have learned that what is health care coverage or health care coverage, why it is necessary, why people should get it done, for what reason it should not be ignored. Not only this, we also came to know about one of the best medical coverage organization named HDFC ERGO Health Insurance Coverage. So ideally you will find the data given in this post acceptable. This data will be valuable to you in the coming life. Friends, if you have any idea, you can drop us in comment or on the other hand if you have any query, you can also ask in comment related to medical coverage. That is, in support of today's friends, assuming that you have studied it by now, thank you very much for putting aside our effort to read this post, see you in the following post. Jai Hind Vande Mataram
