HDFC ERGO General Insurance

Key Features

Claim Settlement Ratio 98.36%

Renewability 100%

Claim Settlement Facility 100%

COVID-19 Cover Yes

Network Hospitals 10,000

Incurred Claim Ratio 79.30%

Key features of HDFC Ergo health insurance

Unlimited Restore : This benefit will provide instant addition of 100% of the basic sum insured on complete or partial utilization of restore benefit or unlimited Restore benefit during the policy period. This optional cover will trigger unlisted times and is available for all subsequent claims in a policy year.

Plus Benefit: The benefit increases the sum insured by 100% after 2 years. The sum insured would be increased by 50% after the 1st year and by 100% after the second year. This increase is irrespective of the claims made during the policy period.

Road Ambulance: The road ambulance cover provides ₹2000 per hospitalization where the insured is rushed to the hospital due to an emergency. The ambulance facility is available in case of emergency to shift the injured insured from the place of accident to the nearest hospital with adequate facilities.

Zero deductions on Non- medical expenses: HDFC Ergo health insurance covers the expenses incurred on the non medical items which are generally excluded under any other health insurance plan. HDFC ergo health insurance would pay for the expenses of 68 listed non-medical items that are commonly used during hospitalization at no extra premium.