Top HDFC Health Insurance Plans You Must Check Before Buying

Top HDFC Health Insurance Plans:- No one likes surprises, in the case of health, and particularly expensive ones. Everyone can empty his or her wallet just by visiting a single hospital in the current world. This is why good health insurance program is not an opulence anymore, but a necessity. Out of the numerous insurance firms in India, HDFC ERGO Health Insurance has gained a reputation of being a trusted, transparent, and quick claims settlement firm.

This article is dedicated to you in case you are a person, who is planning to purchase or renew the health insurance plan and wants to learn about HDFC Health Insurance Plans in one simple sentence. I will describe how they work, the benefits they provide and how to select the appropriate one to fit your family- without using jargon that is difficult to understand.

The importance of Health Insurance like never before.

Let’s start with a small story. One of my neighbours, Ramesh, has never bothered to purchase health insurance since he believes that he is safe to do without it; he assumes that since he is healthy, he does not require it. However one day, he suddenly underwent appendix surgery. The hospital bill was around ₹90,000. Fortunately, he had just bought an HDFC ERGO policy at his office. Most of his expenses were covered by the insurance and he was required to pay only 3,000 out of pocket.

And that was when he realised that health insurance is not about age or health, it is about being prepared financially in case of the unexpected.

Medical costs in India are on the increase annually. Even a basic fever check-up will cost 500-700Rs and even a brief stay in a hospital can exceed 1 lakh. This is the reason why having a good health insurance policy such as HDFC ERGO can actually help you out of this monetary strain.

Introduction of HDFC Health Insurance.

HDFC ERGO has a variety of health insurance plans that can cater to individuals, family, senior citizens and even corporate workers. They plan to offer cashless hospitalization, fast claims, and 24 hour customer care.

The following are some of the highlights of HDFC ERGO Health Insurance:

• In India, there are more than 13,000+ network hospitals.
• No cash treatment in partner hospitals.
• Some age groups do not have pre-policy medical check up.
• Policy renewability is life long.
• Online claim procedure with less paperwork.

HDFC Health Insurance Plans.

3. HDFC ERGO Optima Secure Plan

This is a plan aimed at individuals who desire greater coverage at reasonable premiums. It automatically increases your sum insured on a yearly basis.

Unique Features:

• 4-fold time coverage at no additional expense.
• No claim bonus benefits
• Full coverage with room rent and new treatment.

4. HDFC ERGO Critical Illness Insurance.

Advantages of HDFC Health Insurance Selection.

At this point you may be asking yourself, why would I go with HDFC when I have so many alternatives in the market?

Here are some solid reasons:

• Cashless hospital network: 13,000+ hospitals, which allows the care to be easily accessed without advance payment.
• Rapid processing of claims: most users claim that their claims are processed within several hours.
• Excellent customer support: 24 different support and a mobile application to follow everything.
• STRONG Wide coverage: Home care to hospitalization, all is covered.
• Tax benefits: Tax deduction Premiums are tax deductible under Section 80D of the Income Tax Act.

Renewing or Purchasing HDFC Health Insurance.

It is now as simple as making an order online to buy or renew your policy.

Online Process:

• Go to HDFC ERGO.
• You need to enter your fundamental information (age, people to insure, and so on).
• Compare benefits and plans.
• Select the plan that is wanted and pay it online.
• Your e-policy will be delivered into your mailbox immediately.

Offline Process:

You may visit any branch of HDFC or call an authorized insurance agent in case you like to get help personally. They will take you through the form and documentation.