Apollo Munich Health Insurance (now HDFC Ergo) is a joint venture between India's HDFC and Germany's ERGO International AG. It offers policies across motor, travel, health and other sectors. It recently acquired Apollo Munich Health Insurance company and now has the largest network of cashless hospitals in the country. It's health insurance policies offers a coverage of 3 lacs to 75 lacs.
Claim Settlement Ratio - 98 %
(average of last 3 years)Network Hospitals - 11,500+
Easy health Standard is a good policy that covers most bases. It's economical. It doesn't have any unsavoury conditions. It offers decent benefits and it's a pretty decent pick.
View PolicyEasy health Premium is a good policy that covers most bases. It doesn't have any unsavoury conditions. It offers decent benefits, including coverage for maternity (upto a certain limit). And overall its a pretty good pick, albeit quite expensive. So maybe you could consider other options?
View PolicyOptima Restore is one of the most popular products within Apollo Munich's stable (now HDFC Ergo). And for good reasons. It covers most bases. It's economical. It doesn't have any unsavoury conditions. And it offers a whole host of benefits that are particularly useful. All in all, a solid pick.
View PolicyIf you're diabetic or suffering from Hypertension, then Energy is for you, considering the fact that the insurer covers all complication arising out of these chronic diseases from Day 1. However, if you aren't diabetic maybe you could look at the other options since this policy is fairly expensive.
View PolicyEasy health Exclusive is a good policy that covers most bases. It doesn't have any unsavoury conditions. It offers decent benefits, including coverage for maternity (upto a certain limit). And overall its a pretty solid pick, albeit slightly expensive.
View PolicyIf you're diabetic or suffering from Hypertension, then Energy is for you, considering the fact that the insurer covers all complication arising out of these chronic diseases from Day 1. However, if you aren't diabetic maybe you could look at the other options since this policy is fairly expensive.
View PolicyOptima Senior is a good choice if you’re 60+, with pre-existing complications or if nobody is willing to insure you. However, if you have other alternatives, this policy could be a letdown, considering, they'll make you wait 3 years before they start covering pre-existing complications. Also you will have to split the bill in the event you contract certain specific diseases. So do read more below.
View PolicyHDFC Ergo claims can be of different types based on the hospital in which you are getting the treatment. If it’s part of HDFC Ergo 's network hospitals, you can get a “Cashless claim” in which insurance company directly pays the bills to the hospital. But if your choice of hospital is not part of their network, then you have to pay the bills and apply for reimbursement claim. Here’s a brief process for both types of claims:
All network hospitals have an insurance desk. You can submit your policy copy (even soft copy works), ID proof, initial diagnosis report and the insurance desk will request the insurance company for “pre-authorization”. In case of planned treatments, you need to do this process 2 days before hospitalization
Based on the provided documents, insurance company approve the claim and the hospital will start the treatment and they will co-ordinate with insurer for the treatment costs. In case of Cashless claim rejection, you can still go ahead with the treatment. In this case, you will need to pay the bills initially and can file for a reimbursement claim later
If your cashless claim is approved, at the time of discharge, the insurance company will do the final settlement with the hospital and once that is sorted, you are good to go.
For any planned treatments, you need to inform the insurance company 2 days before hospitalisation. In case of emergency, you can inform within 24 hours of admission. Insurance company will acknowledge the intimation.
You need to submit a insurance claim form along with original copies of hospital bills, doctor consultation reports, and diagonstic reports.
Within 30 days post discharge, you can initiate the claim online or at any of the registered offices of the insurance company. You need to fill a claim form and attach all the reports and bills.
Based on the claim form and submitted documents, insurance company will settle the claims as per policy terms and conditions.
Firstly, if you’ve purchased the policy online, you’ll always receive an intimation e-mail from the insurer around 30 days before the renewal date. The e-mail will have a renewal link that will directly take you to the page where you can make the payment and check policy details. And it’s done. You’ll receive the policy document via e-mail.
However, in case you choose to do it on your own, here’s what you need to do:
Visit the HDFC Ergo website and then go to the Renewal section here.
You’d be asked to provide your current policy number which you can find in the policy soft copy. You may as well be asked to enter your mobile number, email ID, Date of Birth or policy expiry date.
Next, you’ll be able to see details of your new policy and the renewal premium you need to pay. Also, you’ll be given the option to make some changes related to sum insured, existing covered members, etc.
Once you confirm the details, you’ll be directed to the payment gateway. Once the payment is complete, you’ll receive your new policy soft copy via e-mail.
