Download HDFC ERGO Health Insurance Policy Online

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.

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.

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. 

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”

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. 

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.

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. 

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.