HDFC Ergo offers a wide range of health insurance policies to cater to the medical needs of individuals and families. The company provides customers with an easy process of renewal for their insurance policies. In this article, we will discuss the benefits of HDFC Ergo health insurance renewal, the process of renewal, and some frequently asked questions.
Benefits of HDFC Ergo Health Insurance Renewal
Renewing your health insurance policy with HDFC Ergo comes with a host of benefits, including:
1. Continuous Coverage
When you renew your policy, you ensure that you continue to have the health cover you need. This is important in case of any medical emergencies that may arise.
2. No Break in Coverage
By renewing your policy on time, you avoid a break in coverage. In case of a break in coverage, you may have to undergo a fresh medical check-up and may also have to pay higher premiums.
3. No Loss of No-Claim Bonus
No-Claim Bonus (NCB) is a discount offered by insurance companies for not making any claims during the policy term. By renewing your policy on time, you ensure that you do not lose out on your NCB.
4. Tax Benefits
Renewing your policy on time ensures that you continue to avail of tax benefits under Section 80D of the Income Tax Act.
Process of Renewal
HDFC Ergo offers its customers an easy and hassle-free process of renewing their health insurance policy. Here are the steps to follow:
1. Visit the HDFC Ergo Website
Visit the HDFC Ergo website and click on the ‘Renew’ tab on the top of the page.
2. Enter Policy Details
Enter the policy number and expiry date of your existing policy.
3. Check Policy Details
Check the details of your policy and make any necessary changes.
4. Make Payment
Choose the payment option and make the payment for your renewed policy.
5. Receive Policy
Once the payment is made, you will receive the renewed policy on your registered email ID.
Frequently Asked Questions
Question |
Answer |
Can I renew my policy after it has expired? |
Yes, you can renew your policy after it has expired. However, you may need to undergo a fresh medical check-up and you may also have to pay higher premiums. |
Can I make changes to my policy while renewing it? |
Yes, you can make changes to your policy while renewing it. |
Can I renew my policy offline? |
Yes, you can renew your policy offline by visiting the nearest HDFC Ergo branch. |
Is there a grace period for renewing my policy after it has expired? |
Yes, there is a grace period for renewing your policy after it has expired. |
Can I renew my policy online if I purchased it offline? |
Yes, you can renew your policy online even if you purchased it offline. |
In conclusion, renewing your HDFC Ergo health insurance policy comes with a host of benefits like continuous coverage, no break in coverage, no loss of NCB, and tax benefits under Section 80D of the Income Tax Act. The process of renewal is easy and hassle-free, and you can make changes to your policy while renewing it. If you have any further questions or doubts, refer to the FAQ section or contact HDFC Ergo customer care.
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