HDFC ERGO Health Insurance Customer Login Portal

HDFC Ergo Health Insurance has covered around 1.5 crore people since its inception in 2002. The company has a network of more than 13,000 healthcare providers and is noted for its rapid claim processing. One claim is addressed per minute, totalling more than 12,000 crores by 2024, and the company has a claim settlement ratio of 99%. You can save up to Rs. 75,000 in taxes by utilising HDFC Ergo. They offer coverage for both traditional and new drugs and procedures. They offer AYUSH treatment, giving their policyholders complete financial stability and the ability to choose the best course of action.

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Disclaimer : Actual Premium might vary basis your location, age and number of members

HDFC Ergo Health Insurance Portal

HDFC Ergo's portal provides customers with access to a variety of health insurance plans. It also highlights the major elements of all of the company's health insurance plans. Customers can also compare the plans to choose one that best matches their needs. The add-ons provided on the HDFC Ergo Health Insurance Portal assist customers in better understanding how to customise their plans.

Customers can get customer care information and receive expert support using the HDFC Ergo Insurance portal's chat with the customer care adviser option. HDFC Ergo Health Insurance additionally educates customers on the benefits of health insurance during times of lifestyle change.

Features Offered by HDFC Ergo Health Insurance Portal

The features given by the HDFC Ergo Health Insurance Portal are as follows:

1. Benefits of Health Insurance: The HDFC Ergo Health Insurance portal builds customers' awareness by providing health insurance benefits. These benefits help a customer know the importance of health insurance and its requirements in one’s life.

2. Network Hospital Locator: It's crucial to have hassle-free access to a HDFC Ergo network hospital locator during medical emergencies. This service is offered by HDFC Ergo Health Insurance on their portal to make it easier for their policyholders to choose the best and closest hospital.

3. Live Chat Bot: HDFC Ergo offers the option of instant connection with their customer service through the live bot benefit. This helps customers to clear their doubts faster and without any wait.

4. Types of Health Plans Offered: HDFC Ergo offers multiple health insurance plans and a customer can access them and learn more about them on the HDFC Ergo Health Insurance Portal.

5. Claim Process: The ability to settle a claim without having to spend time looking for it makes emergencies easier. HDFC Ergo eases customer’s concerns by offering the option on their website.

6. Documents Required: Knowing what documents to keep handy while purchasing health insurance makes the whole process easier and faster. HDFC Ergo provides this information to make the lives of their customers stress-free.

7. Tax Benefits: Health Insurance provides policyholders with tax benefits under the Income Tax Act 1961, Section 80D. The details about the benefits are crucial while applying for tax deductions on the policy premium.

8. Renewal Benefit: HDFC Ergo provides the renewal option on their portal which makes it easier for the customers to find. This helps the customers with a hassle-free renewal process.

9. Exclusions of Health Insurance: The exclusion of health insurance is a topic usually ignored by most. However, HDFC Ergo makes sure people are aware of the common exclusions of health insurance by providing it on their portal.

How to Register at HDFC Ergo Health Insurance Portal?

A new customer can follow the steps outlined below to register on the HDFC Ergo Health Insurance portal and purchase a new policy:

Step 1: Go to the HDFC Ergo General Insurance official website.

Step 2: Select “Health Insurance” in the dropdown on the Explore option

Step 3: Fill in your details on the page.

Step 4: Click on “View Plans”.

Step 5: Select a plan that fits your needs.

Step 6: Make payment to finalise the purchase.

How to Login at the HDFC Ergo Health Insurance Portal?

Existing policyholders can log in to their policy dashboard using the steps outlined below:

Step 1: Visit the Care Health Insurance website.

Step 2: Click on the “Menu” option on the left.

Step 3: Select the “Know you” Policy option in the dropdown.

Step 4: You will be directed to a new page.

Step 5: Fill in the details to log in.

Forgot Password and Username/ User ID Assistance

Individuals often need to remember their passwords. However, logging onto HDFC Ergo Health Insurance is simpler and more safe because there is no need for a password. HDFC Ergo uses OTP as a login source, giving you complete control and privacy.

HDFC Ergo Health Insurance Portal Customer Support

For any questions or assistance about HDFC Ergo Health Insurance policies or plans, please contact HDFC Ergo health insurance through the following means:

Toll-Free Number: 022 6234 6234

Email: care@hdfcergo.com

Whatsapp Number: 8169 500 500

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FAQs

What are the health insurance claim settlement options offered by HDFC Ergo?
HDFC Ergo offers both, cashless treatment or reimbursement facility options to its customers for claim settlement purpose.
What is the process of health insurance claim intimation at HDFC Ergo?
In order to initiate a claim, the policyholder is required to initiate contact at HDFC Ergo at 022-6234-6234. You can also initiate contact with the experts at InsuranceDekho at 7551-196-989.
When should I intimate HDFC Ergo about the hospitalisation?
Irrespective of whether you opt for cashless treatment or reimbursement mode, make sure you inform HDFC Ergo within 24 hours (emergency hospitalisation) and within 48 hours prior to admission (planned hospitalisation), be it at a network hospital or a non-network hospital.
What are the documents required for claim settlement process at HDFC Ergo?
At HDFC Ergo, the list of documents needed for registering claim includes:

Duly filled and signed claim form with HDFC Ergo policy number.

Original discharge summary.

Original Investigation reports.

Past treatment documents, if any.

Medico Legal Certificate (MLC) or FIR in case of an accident.

Original final bill comprising detailed breakup.

Original payment receipt.

Original pharmacy invoices supported by prescriptions, etc.
How to calculate the Claim Settlement Ratio (CSR) of HDFC Ergo General Insurance?
You can calculate the Claim Settlement Ratio of HDFC Ergo General Insurance by dividing the total number of claims received by the total number of claims settled in that year.
How to process cashless claims under health insurance plans by HDFC Ergo?
As per HDFC Ergo General Insurance, it usually approves cashless health insurance claims within 20 minutes. To process cashless claim under health insurance plans by HDFC Ergo, you will be required to follow the steps given below:

Fill the pre-authorisation form at the network hospital for cashless approval

Once the hospital updates HDFC Ergo General Insurance, then the insurance company will send you the status update

Hospitalisation will be done on the basis of pre-authorisation approval

At the time of discharge, the insurance company will directly settle the medical bill at the network hospital.
How to make reimbursement claims under health insurance plans offered by HDFC Ergo General Insurance?
As per HDFC Ergo General Insurance, it usually settles reimbursement health insurance claims within 6 hours. To make reimbursement claims under health insurance plans by HDFC Ergo General Insurance, you will be required to follow the steps given below:

Get hospitalised at a non-network hospital, pay the bills, and preserve the original invoices

Register a claim by sending all the invoices and treatment documents to the insurer

Your documents will be verified by the insurer. i.e., HDFC Ergo General Insurance

You will receive the approved claim amount in your bank account within the stipulated time.
What is the time frame within which the hospitalisation must be reported to HDFC Ergo General Insurance?
In case of planned hospitalisation, you must inform HDFC Ergo General Insurance at least 48 hours prior to hospitalisation. Whereas in case of emergency hospitalisation, the insurer must be informed within 24 hours of hospitalisation.
What is the Claim Settlement Ratio of health insurance by HDFC Ergo?
As per the IBAI’s General Insurance Claim Insights Handbook For Policyholders-4th and 5th Edition, the Claim Settlement Ratio (CSR) of HDFC Ergo general Insurance for the financial years 2018-19 and 2019-20 is 83.66% and 86.52% respectively.

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Customisation Options
I liked that I could customise my health insurance plan to fit my specific needs. InsuranceDekho offers a lot of flexibility in terms of coverage and add-ons. Purchasing HDFC Ergo Health Insurance was quick.
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HDFC ERGO
By Anita Singh
On: Jul 04, 2024
The affordable plan
The health insurance plans offered by HDFC ERGO combine affordability and thorough coverage. Their policies are open and honest, devoid of any surprises or obscure language. InsuranceDekho’s easy process of choosing HDFC ERGO's health insurance made my future secure. Their commitment to client satisfaction is what makes them stand out; their support staff is always on hand to quickly resolve any questions or issues.
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HDFC ERGO
By Mukesh Yadav
On: Jun 25, 2024
Comparison between plans was v...
Using InsuranceDekho to obtain HDFC ERGO Health Insurance was a great decision. The website facilitated plan comparison, and the transaction was seamless. The customer service is excellent and the coverage is comprehensive. Extremely happy!
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HDFC ERGO
By Varsha Agarwal
On: Jun 24, 2024
Fast and easy process
Needed health insurance pronto. InsuranceDekho's comparison tool saved me loads of time. Found a plan that fit my needs and budget perfectly. HDFC Ergo helped during the most crucial times.
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HDFC ERGO
By Satakshi Soni
On: May 29, 2024
Customer care assistance while...
In all honesty, my choice of HDFC Optima Secure Health Insurance proved to be a lifesaver. It provided me with immediate assistance by paying for my unforeseen hospital bills. The procedure went smoothly, and InsuranceDekho's assistance was first-rate. I urge everyone to purchase it!
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HDFC ERGO
By Kanishka Gupta
On: May 21, 2024