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HDFC ERGO Health Insurance Renewal Process

Online Process For HDFC ERGO Health Insurance Renewal

Here are 3 quick steps to renew HDFC ERGO health insurance online

Step 1: Visit their website www.hdfcergo.com and click on "RENEW"
Step 2: Enter either your policy details, registered email id or your mobile no. and click on ‘Renew Now’ to proceed
Step 3: Make the payment for policy renewal via your preferred mode of payment

You should consider renewal as an opportunity to carefully review all policy details and make necessary adjustments as per your needs. Please note that you can renew your expired policy within 30 days from expiry date

Offline Process For HDFC ERGO Health Insurance Renewal

For the offline method of renewing your HDFC ERGO Health Policy, you can call on 022-62346234/ 0120-62346234 or visit their nearest branch.
You can also reach out to your nearest Turtlemint insurance advisor who can assist you in quick renewal of your policy. Visit www.turtlemint.com now for your HDFC ERGO health policy renewal

HDFC ERGO Premium Calculator

Use the HDFC ERGO health insurance premium calculator to estimate your health insurance premiums.

Premium Calculator

Enter just a few details to calculate your health insurance premium within 30 seconds.

HDFC ERGO Customer Care

Customer Care Number


If you already have existing health insurance coverage and are looking to increase it without paying expensive premiums, you can choose top-up and super top-up health insurance plans. These plans have a deductible and a sum insured. Claims above the deductible limits are paid and so the premiums are low. When you have existing coverage, you can choose a deductible matching the existing plan’s sum insured so that any excess claim would be paid by the top-up or super top-up plan

You can get numerous tax benefits when you buy a health insurance plan. These benefits are allowed under Section 80D of the Income Tax Act, 1961 and are as follows

  • Premiums paid for a plan covering you, your spouse and dependent children would be allowed as a deduction up to INR 25,000
  • If you are a senior citizen, the deduction limit would increase to INR 50,000
  • Premiums paid for a plan covering your dependent parents would be allowed as an additional deduction for up to INR 25,000
  • If your parents are senior citizens, the deduction limit would increase to INR 50,000
  • If you buy two policies, one for yourself and your family and the other for your parents, you can claim a deduction of up to INR 50,000. If you or your parents are senior citizens, the limit increases to INR 75,000. If both you and your parents are senior citizens, the limit would be INR 1 lakh

Yes, a free-look period of 15 days is allowed from the date of policy issuance under HDFC Ergo health insurance plans. During this period you can cancel the policy if you want and avail the refund of the premium paid

The claim process of HDFC Ergo health insurance plans has been explained earlier. You need to intimate the insurance company of your claim and then follow the above-mentioned steps to get the settlement of your claims faster

You can buy HDFC Ergo health insurance plans online either from the website of the company or from Turtlemint itself. When you buy through Turtlemint, you can compare HDFC Ergo’s plans with other health insurance plans and then choose the best one. The process of buying the policy has been explained earlier above

HDFC Ergo’s health insurance plans do not cover specific illnesses and treatments some of which include the following

  • Self-inflicted injuries
  • Cosmetic treatments
  • Congenital illnesses
  • HIV, AIDS and venereal diseases
  • Pre-existing conditions during the waiting period
  • Injuries suffered due to war or nuclear perils
  • Unproven or experimental treatments, etc.

There are online premium calculators offered both by HDFC Ergo as well as by Turtlemint which allows you to calculate the premium of HDFC medical insurance plans. You can enter the relevant details which affect the premium calculation and find the premium rates. These details include the following

  • Age
  • Sum insured
  • Number of members to be covered
  • Medical history
  • Pre-existing illnesses
  • Term of the plan
  • Add-ons if needed

Based on these factors, the premiums would be calculated and displayed

A health card is issued for all insured members when you buy HDFC Ergo health insurance plans. This health card is needed at the time of cashless claims as the card contains a unique customer identification number. When you are admitted to a networked hospital, you need to present the health card to avail cashless treatments. Thus, you should get a health card from HDFC Ergo health insurance

HDFC Ergo is a leading name in the general insurance segment and its health insurance plans are comprehensive plans at affordable premiums. The company offers a range of health insurance plans for your coverage needs and you can find a suitable policy easily. The plans offered by the company offer optimal coverage levels and benefits and are also light on your pockets. So, HDFC Ergo health insurance is a good choice for your health insurance needs.
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