With more than 1 crore policyholders, HDFC ERGO Health Insurance has more than 9,000 network hospitals that give health insurance policyholders the benefit of the cashless claim settlement facility to cover hospitalisation expenses. The claim settlement team of HDFC ERGO responds to cashless claims in about 22 minutes and in up to 3 days for reimbursement claims.
Listed below are some of the benefits of receiving treatment at an HDFC ERGO network hospital:
Listed below are some of the treatments and procedures that are covered under the cashless claim facility of HDFC ERGO health insurance:
Listed below are some of the exclusions of coverage under the HDFC ERGO cashless claim facility:
Listed below are the steps that policyholders need to take to raise a cashless claim at a network hospital of HDFC ERGO Health Insurance:
The policyholder might have to cover expenses if the treatment cost goes beyond the sum assured of the policy or if there are any non-medical expenses which are not covered by the health insurance policy.
If the cashless claim is rejected by the insurer for some reason, then the policyholder will have to raise a reimbursement claim following discharge from the hospital. As already mentioned above, HDFC ERGO responds to reimbursement claims within 3 working days on average and settles the claim within 7 days.
Yes, it is possible to add a new member to your existing family floater health insurance policy. You will have to submit a health declaration form of the new member along with an endorsement form at any of the branches of HDFC ERGO Health insurance. You might have to pay an extra premium as well.
No, it would not be possible to buy an independent health insurance policy for a child that is 2 years old. Based on the basic terms and conditions of health insurance as set by HDFC ERGO, all children below the age of 5 years old have to be covered under the policy of their parents.
If the policyholder of a family floater insurance policy dies, then the policy has to be shifted to another adult insured under the family floater insurance policy. No changes will be made to the coverage of the policy or the premium cost.
Yes, if you wish to cancel your policy within the first 15 days which is the free-look period, you can do so, and the premium that you have paid in full will be returned. However, if you wish to cancel your policy during the tenure of the policy, then you will get a refund of the premium based on the refund chart as set by HDFC ERGO.
If possible, the policyholder can choose to be shifted to a network hospital and have the benefit of the cashless claim settlement facility. If not, he/she can file for a reimbursement once discharged from hospital.
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