100,000 and a maximum of Rs. And if you fail to make the payment then your insurer can deny your renewal request even if you want to make the payment. Of course, there are many of them that you need to keep going with the on-going lifestyle. So, last year you had bought your first health insurance policy, which means this year it’s due for renewal. HDFC ERGO Health Maxima - Our comprehensive plan that covers for the little illness too. Initially it would look like “6000013840” and a number is added to it every year at the time of renewal, ... HDFC ERGO Health Insurance Ltd., IRDA Registration No. What is Waiting Period in Apollo Munich Health Wallet Health Insurance Plan? Renewal Loyalty Discount of 5% on the renewal premium of the Insure Health Policy can be availed when it is Section 2 a) Benefits renewed, as a cross selling credit to buy any other Apollo Munich Health Insurance Policy within 365 days from the renewal date. First 30 Days from Policy Inception Only accidental hospitalisations shall be admissible in … Twice the daily cash amount is provided for each continuous and completed 24 hours where two or more people are concurrently hospitalized due to an accident. 1 Lakh to Rs. Additionally, there are varied sum insured and deductible options. A policy holder gets a 45 days prior reminder from … After the successful completion of the deal, Munich Re will hold a stake of 48.75% in the joint venture, while Apollo Hospitals will be left with 51.1% and the remaining 0.15% with the employees. The company's motto is 'Let’s uncomplicate', which shows its focus on providing effective yet simple solutions for every healthcare need. The sum assured for the critical illness ranges between 50 % and 100% of sum assured, which is subject to minimum 100,000 and a maximum of Rs. It will cover you at the age when health insurance is utterly required. How Network vs. Non-Network Hospitals Affects Health claims? If a child below 12, who is insured is hospitalized for more than 72 hours a daily cash amount for the parents’ accommodation will be provided. Individuals willing to availing a health insurance plan can directly call the company’s sales helpline at 1800 103 0555 and speak to the customer service representative. Given below are the advantages of buying health insurance Policies from HDFC ERGO Health : *All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply. Also, there is an option to pay up to 50 percent of the renewal premium without any co-payment clause. Moreover, it covers joint accidental hospitalization expenses for two or more insured members. 06 Registration Code No. Lifelong HDFC ERGO Health Insurance renewal benefit. One can buy this rider along with Easy Health and Optima Restore plan with an annual premium ranging up to 10 lakhs or greater, aiming at getting covered the cost of treatment of specific illnesses that might incur during the treatment of an ailment in the abroad. *All savings provided by insurers as per IRDAI approved insurance plan. The HDFC ERGO Health Optima Restore Plan is a unique health insurance policy that provides coverage on individual and family floater basis. Lifelong renewal makes this policy a preferred one. ... Apollo Munich Health Insurance Company Limited Corporate Office: 10th floor, Tower B, Building No. The Health Wallet Individual Insurance policy by HDFC ERGO Health has some add-on benefits such as restore benefit, which reinstate the basic sum assured if the policyholder exhaust it in the term of the policy and multiplier benefit that rewards him/her for each claim free year automatically. Below-mentioned are a few instances where you can calculate the premium by using the health insurance premium calculator provided by the company: HDFC ERGO Health Insurance launched its latest ad spot for ‘#BeWinsured’ campaign to highlight its Health Wallet plan, launched under a fresh category ‘Winsure’. We Would love to interact with you, Merger of HDFC ERGO Health Insurance with HDFC ERGO General Insurance, HDFC ERGO Health Wallet Individual Insurance, HDFC ERGO Optima Vital Health Insurance Plan, HDFC ERGO Optima Senior Health Insurance Plan, HDFC ERGO Optima Plus Health Insurance Plan, HDFC ERGO Optima Cash Health Insurance Plan, HDFC ERGO Easy Health Exclusive Insurance Plan, HDFC ERGO Optima Super health Insurance Plan. The sum insured for the critical illness ranges from 50% to 100% of the sum assured, subject to a minimum amount of Rs. Feted as one of the most trusted health insurers in Indian Insurance Sector, HDFC ERGO Health offers a wide gamut of health insurance plans with many advantages and benefits to fit every budget and requirement. The company has a significant presence all over the country, which offers cashless service to policyholders at a range of multi-specialty hospitals. Munich Re, a German reinsurance company is buying further 23.27% shares in HDFC ERGO Health Insurance from Apollo group of Hospitals which is its partner in the joint venture. The payment for renewal can be made 60 days before the policy expiry date. The HDFC ERGO Health Plan  is a cost-effective top-up health insurance policy that offers coverage to self, spouse and two dependent children. This medical plan covers worldwide emergency care expenses, OPD expenses, daycare procedures, critical illnesses, and Ayush treatment expenses. The coverage includes hospitalization expenses, maternity expenses, daycare procedures, and organ donor expenses. B wants to buy a plan for himself and his newly married wife. Address: Apollo Munich Health Insurance Company Limited Corporate Office: 10th floor, Tower B, Building No. Apollo Munich Easy Health Insurance plan is a cover for treatment against illnesses and accidents or injuries requiring in-patient hospitalization. Sickness Hospital cash is provided in which a daily cash amount is paid for each continuous and completed period of 24 hours if the insured person is hospitalized for more than 24 hours, due to sickness. Daycare procedure cash is provided if the insured undergoes any of the 10 identified daycare procedures that do not require 24 hours hospitalisation. Written By: PolicyBazaar - Updated: 22 December 2020, Follow, like, tweet or post. InfoSec Maestro Awards - 100 Top CISO (two times in a row), Model Insurer Award 2014 - Risk Management Category, Asia's Most Promising Brands and Leaders 2013. He is 30 years old and the annual premium comes out to be Rs. 10, DLF Cyber City, Phase -II, Gurgaon, Haryana-122002 5 Lakhs, Choice of hospitalization at any of the network hospitals across the country under cashless facility, Expenses incurred before and after hospitalization covered for up to 60 and 90 days, respectively. There is a facility for E-opinion, which enables the insured to request for a second opinion from another medical practitioner and the insurer does provide the same. Alternatively, a customer may directly visit a branch of the company or get meet and agent personally to buy the plans required. This is where HDFC ERGO Health Insurance Limited provides you an optimal solution. This plan covers maternity expenses for before and after childbirth procedures, There is an option to cover the newborn baby from day one to 90 days, If an insured child is hospitalized then a lump sum amount is paid if an adult accompanies the child during the hospitalization, A Recovery Benefit of Rs. This plan has coverage of up to for the self, spouse, dependent children, and dependent parents. Product information is authentic and solely based on the information received from the Insurer© Copyright 2008-2021 policybazaar.com. Blog post currently doesn't have any comments. HDFC ERGO Health provides a vast array of health insurance plans that caters to individuals, families, senior citizens, and corporate houses as well. The policyholder can choose from a wide range of sum insured options at affordable premiums, from Rs. C a 45-year individual and needs health insurance for his family, including himself, his 43-years-old wife and 2 children - aged 12 and 7 years, respectively. Choice of treatment at any of the network hospitals across the country under cashless facility, Expenses incurred before and after medication covered for 60 and 90 days, respectively, Daycare procedures are covered that do not require 24 hours hospitalization, Domiciliary treatment is covered where the treatment is undertaken at home, Emergency ambulance charges up to Rs. What should diabetes patients do to manage their blood sugar? If you miss renewing your policy within the grace period, then you have to buy new HDFC ERGO Health Insurance policy . Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001, IRDAI Web aggregator Registration No. In addition, the company also offers simple and clear policy wording in order to make the procedure transparent and convenient for policy seekers. Reg. Any unused balance is carried forward to the upcoming year with a bonus of 6 percent under this benefit. The self and spouse may be covered under the plan on an individual sum insured basis. 50 Lakhs, Medical expenses in case of hospitalisation are covered, Expenses incurred before and after treatment at hospitals, covered for 60 and 90 days, respectively, Expenses incurred for the treatment of the organ donor during organ transplantation are covered, Expenses incurred for inpatient treatment under Unani, Ayurveda, Homeopathy, and Sidha are covered, as per AYUSH Benefit, After four claim-free years, a free comprehensive health check up is provided. 3000 on a daily basis, In case of hospitalization for more than 24 hours, Coverage for expenses incurred before 15 days of hospitalization, Coverage for expenses incurred after 15 days of hospitalization. There is an option of taking additional cover for critical illness. If your Health Insurance policy renewal date is missed and you failed to pay the premium on time, then don’t worry. Below are some of the features of this medical plan: The HDFC ERGO Easy Health Premium Plan is a comprehensive health insurance policy that covers an individual and his family members including spouse, children, parents and in-laws. 7,404 for the said coverage. 7,03,00,00,000. The HDFC ERGO Health Insurance Limited proposes a wide range of health insurance plans. Following is the list of HDFC ERGO Health Insurance Plans with features and benefits. The policyholder will enjoy a Restore Benefit if the customer or his family member exhausts the sum insured during the year. Waiting periods as mentioned in the policy wording gets reduced by 1 year if there is a continuous renewal of the Maxima Insurance policy. For instance, if your mediclaim policy renewal premium is due on January 01, 2020, and your grace period is till 31 st January to pay your premium. Outpatient consultations by a general medical practitioner for the treatment of dengue will be covered, Diagnostic tests taken for the detection of dengue will be covered, Medicines that are prescribed for the treatment of dengue will be covered, If necessary medical treatment is undertaken at home by the empanelled medical practitioner, those medical expenses will be covered. Pre: up to 30 days; Post: up to 60 days (can be increased to 60 and 90 days respectively, HDFC ERGO Health Optima Super - Aggregate Top-up plan, 5 years (newborn: 91 days subject to a parent getting insured, HDFC ERGO Health Optima Vital - The critical illness plan, Rs. To avail the seamless service of the phone calls, electricity, gas, water, Wi-Fi; you need to recharge or pay the bills on or before the due date. 100% base sum insured is added to your cover automatically for that policy period. The insurer also provides assistance to the policyholder in choosing travel, accommodation, and treatment in abroad. Coverage is provided from the age of 5 to 65 year. Customers of Easy Health and Optima Restore health insurance policy with sum insured of Rs 10 lakh or more can purchase the critical advantage rider to mitigate specific ailment costs at medical facilities outside India. This policy is recommended, however, if you are looking for a wider coverage, consider higher variants of Apollo Easy Health Plan. • No loading shall apply on renewals based on individual claims experience. Expenses incurred both before and after hospitalization are provided to customers. Apollo Munich Maxima plan is a health insurance plan with unique Out-patient features to take care of small and regular illnesses like dental treatment, Spectacles or contact lens, Health check up etc.,. Apollo Munich Health Insurance Company Ltd. has been named among leading insurance companies when it comes to Global Health Insurance Market growth.According to a research report released by HTF Market Intelligence, many leading insurance companies, including Apollo Munich, are playing a pivotal role in the growth of global health insurance market. HDFC ERGO Health Insurance Rolls Out Health Wallet Plan Ad Campaign, HDFC ERGO Health Insurance launches ‘Critical Advantage Rider’ for offshore treatment, HDFC ERGO Health Insurance Introduces ‘Critical Advantage’, HDFC ERGO Health Insurance Partners with Leading Indian Banks, First health policy to cover overseas treatment and travel expenses by HDFC ERGO Health Insurance, Munich Re has bought further 23.27% shareholding in HDFC ERGO Health Insurance, Best Health Insurance Plans for Senior Citizens, HDFC ERGO Health Optima Restore - The unbelievable health plan, 5 years (newborn: 91 days subject to a parent getting insured), 3 years (can be reduced to 1 year on continues renewals), HDFC ERGO Health Energy - The Sweetest thing for people living with diabetes, HDFC ERGO Health Easy Health - Our plan for young family, 24 months for surgical procedures and 36 months for pre-existing diseases, HDFC ERGO Health Easy Health - Our premium plan, HDFC ERGO Health Easy Health - Our most popular Plan, HDFC ERGO Health Optima Cash - Daily hospital cash plan, 48 months for pre-existing diseases (can be reduced to 1 year on continues renewals), Cash amount payable on completion of 24 hours, HDFC ERGO Health Optima Cash - A Top-up plan. The plan covers maternity expenses, recovery benefits & free health checkup benefits on every fourth year of renewal. There will be a 30-days grace period within which you will have to make the payment & renew your HDFC ERGO Health Insurance policy . The premium to be paid for their Easy Health Standard health insurance plans comes to Rs.11, 830. You may lose all the advantages, which accrued during the preceding policy. Q6: Who is TPA of HDFC ERGO Health Insurance ? The existing lifestyle of an individual makes them more prone to diseases and illnesses, which further results in growing chances of one’s sickness. 12 months for diseases like hernia, joint replacement, cataract etc. *The information provided on this website/page is only for information sake. Health insurance plans offered by the HDFC ERGO Health Insurance can be applied to through multiple channels like: Farhan Akhtar, its brand ambassador, is starring in a TVC series. Similarly, it is suggested that one should get their health insurance renewal 10/15 days before the due day. Accumulated benefits are all integrated and carried forward without any hassles. On renewal, the policy holder can shift from other company’s health insurance to Apollo Munich. HDFC ERGO Health Insurance has bagged a couple of awards in the past years. Q5: Can I avail cashless hospitalization across all hospitals? The company has started its services with the thought of “Let’s Uncomplicate” to offer comprehensive health insurance plans for individuals, senior citizens, families and … Under the platinum plan, a female who is insured will receive twice the daily sickness cash amount for maternity. Points to Consider. The HDFC ERGO Easy Health Exclusive Insurance Plan offers coverage on family floater basis with optional cover for critical Illnesses. It covers expenses incurred on pre and post hospitalization, domiciliary treatment, daycare procedures, with a waiver of deductible benefit. Health Insurance Plans at a glance: 1) Easy Health Individual Plan: The merger has been completed with the consent from the IRDAI (The Insurance Regulatory and Development Authority of India). Accidental ICU Cash is provided in which twice the daily amount is paid for each continuous and completed period of 24 hours if the insured person is hospitalized for more than 24 hours, due to an accident. 98% of the claims received by the company are settled within a span of 15 days. Get Energy – Diabetes Health Insurance Plan from HDFC ERGO - A plan for diabetes and hypertension that won’t keep you waiting even for 1 day. Q2: Do I need to undergo pre-policy medical check-up? Health insurance coverage to children is offered right from the fourth month if any of the parents is already covered, Expenses incurred before and after hospitalization covered for 60 and 90 days, respectively, There is a waiver of Deductible Benefit in which enables the customer to convert this plan to a fully-fledged Indemnity Health Plan with no medicals or underwriting required, only at Apollo Munich health insurance renewal between 55 to 60 years. 5 Lakh each and the premium payable is Rs. Coverage is provided from the age of three months to 65 years. Health Insurance Portability – All you need to Know. These plans will be processed online to maintain the paperless environment and to reduce turnaround time. This medical plan provides daily cash amount for every 24 hours of hospitalization. Q10: Should the claim and supporting documents submitted to TPA directly or HDFC ERGO Health Insurance ? 101,First,Inizio,Cardinal Gracious Road, Chakala, Oppposite P & G Plaza, Andheri (East), Mumbai Mumbai City MH 400069 IN, HDFC ERGO Health Insurance Ltd. (formerly Apollo Munich Health Insurance) iLABS Centere, 2nd & 3rd Floor, Plot No 404-405, Udyog Vihar, Phase-III, Gurugram, Haryana 122016, For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale. All Rights Reserved.. Best health plan for you and your family. Apollo Munich Health Plan For Citibank customers (Silver Variant) Customer Information Sheet W e@apollomunichinsurance T 1000001401 Apollo Munich Health Insurance Co. Ltd. rd2nd & 3 Floor, iLABS Centre, Plot No. 48 months for pre-existing diseases (can be reduced to 1 year on continues renewals). The amount is 50% of the daily cash amount. This plan also offers coverage to an individual already insured under a group medical plan, which is further convertible into a normal health policy upon retirement. • Grace period of 30 days for renewing the policy is provided. For instance, if your policy renewal date was April 15, 2020, and you renew your policy during the grace period i.e. The HDFC ERGO Health wallet plan is an individual health insurance policy that offers coverage to both individuals and family members. Policybazaar does not in any form or manner endorse the information so provided on the website and strives to provide factual and unbiased information to customers to assist in making informed insurance choices. If any second opinion is required, the rider covers that too. HDFC ERGO Health Insurance Company’s CEO, Antony Jacob, said "While people have this fear of how to choose the best healthcare facility, they also wonder how to fund their travel cost.". One can pay premiums for 2 years and get discount of 7.5% on the total premium. This is on the condition that the insured person had enrolled under the policy before the age of 50 years and has renewed the plan continuously without a break, This plan has coverage of up to for the self, spouse, dependent children and dependent parents. Apollo Munich Health insurance Company has provided Online Renewal process in order to save the customer’s valuable time. There is a Shared Accommodation Benefit if the insured person opts for a shared accommodation in a network hospital. 10, 00,000. While renewing, you can also opt for different health policy, add and remove dependents, can change the sum assured, remove or attach rider policy, and change the term of the policy. 2) All pre-existing diseases will be covered after a waiting period of 3 years from the policy date. It is always recommended that one must be prepared at the earliest with all the safety measures before getting attacked. 404-405, Udyog Vihar, Phase-III, Gurgaon-122016, Haryana Corp. Off. A wants to apply for an Optima Restore Individual policy for himself for a value of Rs. The premiums paid towards a health insurance policy are exempted from tax under section 80D of Income Tax Act, 1961. After this unification, HDFC Ergo has become the second largest private insurance providers in the health and accident insurance sector with expansion of its product range to more than 50 in this segment. With this campaign, HDFC ERGO Health intends to highlight the benefits of its health plan that caters to the current insurance needs of the insurance buyers. The company is all set to introduce Critical Advantage, which covers up to eight critical illnesses that can be treated abroad, and will also take care of the travelling expenses and accommodation expenses for the insured and a person accompanying the insured. Section I Cost Sharing Not Applicable Renewal Conditions • Policy is ordinarily life-long renewable, subject to application for renewal and the renewal premium in full has been received by the due dates and realisation of premium. 10, 000 is provided if the hospitalization is for greater than 10 days. Apollo Munich Easy Health Insurance plan is a basic health insurance plan which can be taken as an Individual or as a Family floater ie., for the entire family. The plan covers the cost of hospitalization, maternity expenses, Ayush treatment expenses, with critical illness rider benefits. 146 . 1 Lakh to Rs. The cancellation will … The insurer provides 30 days grace period, in case you miss the renewal due date. • Grace period of 30 days for renewing the policy is provided. Customers of Easy Health and Optima Restore health insurance policy with sum insured of Rs 10 lakh or more can purchase the critical advantage rider to mitigate specific ailment costs at medical facilities outside India. March 3, 2016: Apollo Munich Health Insurance has launched a critical illness rider called Critical Advantage, which covers the insured on cashless basis along with treatment for eight illnesses abroad and the travel and accommodation cost of one family member. Use the restore sum insured to pay your future claims. HDFC ERGO, the 3rd largest Private General Insurer with a 6.2% market share, offers products like Motor, Health, Travel, Home, Personal Accident and Cyber Insurance in the retail space and customized products like Property, Marine and Liability Insurance in the corporate space through its network of 203 branches spread across 170 cities and a wide distribution network. HDFC ERGO Health Insurance Limited strives to become a trusted leader in the health insurance industry; it provides simple yet innovative solutions for health insurance. Do’s & Don’ts Of Buying Health Insurance Policy In India, 10 Things To Consider Before Buying Health Insurance, Major Healthcare Challenges India Is Facing Right Now. It is a cashless cover without any sub-limits and co-pay clause. Also, with this deal, HDFC ERGO Health Insurance has acquired nearly 8% share in the health insurance retail market and is providing cover to over 40 lakh people. 1000, Rs. The coverage required is Rs. If your policy expiry date is missed, then also you can make the payment, as many insurance companies provide a grace period of up to 7 days, whereas some companies show some leniency by providing a grace period of up to 15 days. Also, it is available for a sum assured of at least Rs 1.5 crore or Rs 3 crore. Cumulative bonus and family discount of 5%, Coverage is provided from the age of 61 years onwards. HDFC ERGO Health Insurance Ltd. (Formerly Apollo Munich Health Insurance) 1st Floor, SCF-19, Sector-14, Gurugram-122001, Haryana. It has even been awarded the title of ‘Health Insurance Company of the year’. IRDAI/WBA21/15 Valid till 13/07/2021. They can provide their name, mobile number and email id on the website of the company and request for a callback. 10 Lakhs. However, the transaction is projected to close by the end of the second quarter of 2016 as regulatory approvals are yet pending on the deal. Apollo Munich Renewal process through Online is available for Individuals, Provider, Sales Partner, Corporate, Corporate Employee, Broker or Corporate Agency. Renewal premium is based on the age of the policyholder at the time of policy renewal. 48 months for pre-existing diseases (can be reduced to 1 year on continues renewals). 15 Lakh. Non-Trivial AngularJS Made Easy: Everything you need to kickstart AngularJS projects: a best-practice directory structure, an intelligent build system, and the best web design libraries around. The Critical Advantage Rider has two variants – $2.5 lakh (nearly Rs 1.5 crore) and $5 lakh (about Rs 3 crore). The HDFC ERGO Optima Cash Health Insurance Plan is a top up health insurance policy that offers daily cash benefit cover in case of hospitalization due to an accident or illness. 5 Lakhs. 2000 are covered, Expenses incurred for the treatment of the organ donor during transplantation are covered, A lump sum amount is provided if the person opts to stay in a shared accommodation while being hospitalized, Automatic restoration of the basic sum insured if the customers’ basic insured is exhausted during the course of the year. The HDFC ERGO Optima Plus Health Insurance Plan is a top up health insurance policy that covers higher hospitalization expenses at a nominal premium. Health Insurance coverage is provided from the age of 5 to 65 years. Renewing Health Insurance policy? The plan also pays for expenses incurred on day care procedures, parent's hospitalization, convalescence benefit, etc. Standard T&C apply. Insurance is the subject matter of solicitation.Visitors are hereby informed that their information submitted on the website may be shared with insurers. March 3, 2016: HDFC ERGO Health Insurance has launched a critical illness rider called ‘Critical Advantage’, which covers the insured on cashless basis along with treatment for eight illnesses abroad and the travel and accommodation cost of one family member. 50 Lakh with Reserve Benefits, Adults- 18 years and 65 yearsChildren- 3 months and 25 year, All the members are covered under single premium, Children- 3 months to 25 yearsAdults- up to 65 years, Additional 7.5% discount for 2 Years Premium, Discount of 7.5% is given whenever you go for a 2 year policy, 15% for twin sharing room.30% for single occupancy.30% for specified Illness or surgeries 15% for day care procedures, Rs. Critical Advantage rider offers you cashless cover with no co-pay clause to go abroad for the treatment. Apollo Plans offer 10% family discount on premium if 3 or more persons are covered under the same policy in family floater. HDFC ERGO Health Insurance   is partnering with Axis Bank to offer a range of customized insurance plans that will comprise different value-added benefits like access to wellness portal, health advisory services, listing them as Health Eco System. This HDFC ERGO Health Insurance (formally known as Apollo Munich Health Insurance) Policy has coverage of up to for the self, spouse, and dependent children, Sum insured option provided up to Rs. The hospitalization expenses are covered without any co-pays or sub-limits. HDFC ERGO Health Insurance recently launched Critical Advantage, a critical illness rider that covers the cost of treatment of 8 illnesses in abroad along with the travel expense of one member of the family, including that of the patient. Renewal Conditions ... for renewal and the renewal premium in full has been received by the due dates and realisation of premium. Convalescence cash is provided in the form of a lump sum amount if the insured person is hospitalized for more than 7 continuous days. Antony Jacob, Chief Executive Officer, HDFC ERGO Health Insurance , says that the company in collaboration with Axis Bank is going to design custom-tailored health insurance plans for the existing as well as prospective customers of the bank, based on their requirements. Will have to buy a plan for himself for a sum assured is by. Consent from the age when Health Insurance Co. Ltd. nd2• 3 rd Floor, Tower,!, and treatment in abroad the customer has a second, subsequent no-claim year their! To your cover automatically for that policy period provided in the form of lump. In coverage to manage their blood sugar wants to buy new HDFC ERGO Health -. 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