What is Waiting Period in Apollo Munich Health Wallet Health Insurance Plan? The policyholder gets a 100% restoration of the basic sum insured on the first claim during the policy term. Coverage is provided from the age of 5 to 65 year. The merger has been completed with the consent from the IRDAI (The Insurance Regulatory and Development Authority of India). Renewal of health insurance plan from HDFC ERGO General Insurance Company Ltd is as important as purchasing it. Waiting periods as mentioned in the policy wording gets reduced by 1 year if there is a continuous renewal of the Maxima Insurance policy. 100,000 and a maximum of Rs. If you have 5 lacs sum insured with Health Wallet, and make a claim of 5 lacs at the time of first claim, you will still have 5 lacs for your future claims in that policy period. This is a top-up health insurance plan that pays a lump sum amount as the benefit for an identified critical illness that is mentioned in the list of 37 critical illnesses, or surgical procedures or medical events. He is 30 years old and the annual premium comes out to be Rs. Insurance is the subject matter of solicitation.Visitors are hereby informed that their information submitted on the website may be shared with insurers. Q7: What is a pre-existing disease or condition under HDFC ERGO Health Insurance ? The premium to be paid for their Easy Health Standard health insurance plans comes to Rs.11, 830. The HDFC ERGO Optima Plus Health Insurance Plan is a top up health insurance policy that covers higher hospitalization expenses at a nominal premium. Written By: PolicyBazaar - Updated: 22 December 2020, Follow, like, tweet or post. Additionally, there are varied sum insured and deductible options. 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. 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. The same applies to a health insurance policy. The entity that has merged is HDFC ERGO General Insurance Company. The plan offers unique features like the Restore benefit under which the sum insured is automatically restored if it’s exhausted during the policy term. Similarly, it is suggested that one should get their health insurance renewal 10/15 days before the due day. 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. The sum insured is available in both individual and family floater basis. What are the services that you keep recharging regularly for immediate benefits? Q3: What types of medical expenses are covered by HDFC ERGO Health Insurance ? 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. HDFC ERGO Health Insurance, has now merged with HDFC ERGO General Insurance Company Ltd. • Grace period of 30 days for renewing the policy is provided. Renewal Conditions ... for renewal and the renewal premium in full has been received by the due dates and realisation of premium. So, last year you had bought your first health insurance policy, which means this year it’s due for renewal. The new renewal date will be one year from the date you have renewed your policy. 2) All pre-existing diseases will be covered after a waiting period of 3 years from the policy date. Points to Consider. The HDFC ERGO Health Insurance offers the facility of portability if the customer wishes to port their plans from other health insurance companies to HDFC ERGO Health . Pre and post hospitalisation expenses are included in coverage. *The information provided on this website/page is only for information sake. He approaches HDFC ERGO Health (formally known as Apollo Munich) willing to cover himself and spouse for a total of Rs. It is a cashless cover without any sub-limits and co-pay clause. Renewal premium is based on the age of the policyholder at the time of policy renewal. Cumulative bonus and family discount of 5%, Coverage is provided from the age of 61 years onwards. Apollo Munich Insurance Company has 4000 hospitals in 800 cities to provide cashless treatment without any problems. 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. • At the end of the policy period, the policy shall terminate and can be renewed within the Grace Period of 30 days to maintain continuity of benefits without break in policy. Health insurance: In case the customer does not wish to continue the policy, then he has the option to terminate the policy by giving a written notice at any of the apollo munich health insurance branch or call on the Toll free number - 1800 102 0333. 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’. 48 months for pre-existing diseases (can be reduced to 1 year on continues renewals). Any unused balance is carried forward to the upcoming year with a bonus of 6 percent under this benefit. 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. Also, it is available for a sum assured of at least Rs 1.5 crore or Rs 3 crore. 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 payment for renewal can be made 60 days before the policy expiry date. 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. 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. Coverage is provided from the age of three months to 65 years. If there is a claim-free year, their basic sum insured will be raised by 50% with no extra charge. This medical plan provides daily cash amount for every 24 hours of 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. 10, 00,000. 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. Moreover, it covers joint accidental hospitalization expenses for two or more insured members. 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. You may lose all the advantages, which accrued during the preceding policy. 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. Grace Period of 30 days for renewal. Besides Axis Bank, HDFC ERGO Health Insurance has similar collaboration with Citi, Indian Overseas Bank, and Canara Bank as well to market its health insurance products to an increasingly large number of customers. The company will restore the full amount whenever a new illness is diagnosed at no extra paperwork and charges of any sort. 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. 10, DLF Cyber City, Phase -II, Gurgaon, Haryana-122002 What should diabetes patients do to manage their blood sugar? This campaign is conceptualized by Cheil and it will be aired across traditional mediums such as television, radio, and outdoor, as well as, the new media instruments such as Youtube, Twitter, Facebook, etc. All Rights Reserved.. Best health plan for you and your family. 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. 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. The amount is 50% of the daily cash amount. Following is the list of HDFC ERGO Health Insurance Plans with features and benefits. Alternatively, a customer may directly visit a branch of the company or get meet and agent personally to buy the plans required. 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 cancellation will … on May 15, 2020, then the new policy renewal date will be May 15, 2021. Q6: Who is TPA of HDFC ERGO Health Insurance ? Illnesses covered by the rider include neurosurgery, coronary artery bypass surgery, cancer, heart valve replacement and repair, pulmonary artery graft surgery, live donor organ transplant, bone marrow transplant and aorta graft surgery. This policy is recommended, however, if you are looking for a wider coverage, consider higher variants of Apollo Easy Health Plan. The policyholder can choose from a wide range of sum insured options at affordable premiums, from Rs. It has even been awarded the title of ‘Health Insurance Company of the year’. Coverage is not available during the grace period. HDFC ERGO is a 51:49 joint venture between HDFC Ltd and ERGO, which is the primary insurance entity of the Munich Re Group of Germany. What is the difference between term insurance, life insurance and health insurance? The stake has been bought by the company for Rs. Product information is authentic and solely based on the information received from the Insurer© Copyright 2008-2021 policybazaar.com. The HDFC ERGO Health Insurance Limited proposes a wide range of health insurance plans. 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 has a significant presence all over the country, which offers cashless service to policyholders at a range of multi-specialty hospitals. 7,03,00,00,000. Critical Advantage rider offers you cashless cover with no co-pay clause to go abroad for the treatment. Coverage to children is offered right from the fourth month if any of the parents is already covered, This plan has coverage of up to for the self, spouse, dependent children and dependent parents or parents-in-law, Lump sum payment for 37 critical illnesses, Sum insured amount ranges from Rs. One can pay premiums for 2 years and get discount of 7.5% on the total premium. 5 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. There is an option of taking additional cover for critical illness. If any second opinion is required, the rider covers that too. 1 Lakh to Rs. HDFC ERGO Health Insurance Ltd. (Formerly Apollo Munich Health Insurance) 1st Floor, SCF-19, Sector-14, Gurugram-122001, Haryana. Expenses incurred both before and after hospitalization are provided to customers. Claims Settled from Inception till June 2017. Renewing Health Insurance policy? 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. 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. If you miss renewing your policy within the grace period, then you have to buy new HDFC ERGO Health Insurance policy . Medical expenses in case of hospitalization are covered, Daycare procedures are included in coverage that do not require 24 hours hospitalization, Domiciliary treatment is included in coverage where the treatment is undertaken at home, There is a waiver of Deductible Benefit, which enables the customer to convert this plan to a comprehensive Indemnity Health Insurance Plan with no medicals or underwriting required, only at HDFC ERGO Health Insurance (formally known as Apollo Munich Health Insurance) renewal between 58 to 60 years. HDFC ERGO Health Insurance's health policy will be the first health policy to provide insurance coverage for travel and cost incurred for the treatment of illness abroad. 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. 12 months for diseases like hernia, joint replacement, cataract etc. For instance, if your policy renewal date was April 15, 2020, and you renew your policy during the grace period i.e. Insurance coverage is provided from the age of 5 to 65 years. 1000, Rs. Apollo Munich Renewal process through Online is available for Individuals, Provider, Sales Partner, Corporate, Corporate Employee, Broker or Corporate Agency. The coverage required is Rs. Last year you had covered yourself and family with a total health cover, how about continuing the trend and renewing policies online instantly to enjoy continuity benefits. Q1: How long is HDFC ERGO Health Insurance valid for? 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. In addition, the company also offers simple and clear policy wording in order to make the procedure transparent and convenient for policy seekers. HDFC ERGO Health Maxima - Our comprehensive plan that covers for the little illness too. **Discount is offered by the Insurance company as approved by IRDAI for the product under File & Use guidelines #On the basis of your profile, CIN: U74999HR2014PTC053454 Policybazaar Insurance Brokers Private Limited (formerly known as Policybazaar Insurance Web Aggregator Private Limited) Policybazaar is currently registered as a Web aggregator by IRDAI. Q4: How do I claim or indemnify the medical benefits under HDFC ERGO Health Insurance ? 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 HDFC ERGO Health Insurance Company enables you to calculate the premium payable for different health insurance plans from the company. If your Health Insurance policy renewal date is missed and you failed to pay the premium on time, then don’t worry. 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. The company has specialized doctors who handle and efficiently take care of the claims throughout. 50 Lakhs, This HDFC ERGO Health Insurance Plan has coverage of up to for the self, spouse, dependent children and dependent parents, Network Hospitals expenses are covered where the hospitalisation is for more than 24 hours. The plan covers maternity expenses, recovery benefits & free health checkup benefits on every fourth year of renewal. 10, DLF Cyber City, Phase -II, Gurgaon, Haryana-122002 Registered Office: Apollo Hospital Complex, Jubilee Hills, Hyderabad - 500033: Mail to 1 Lakh to Rs. 98% of the claims received by the company are settled within a span of 15 days. January 2020 saw the completion of the acquisition process of 51.25 percent shares of Apollo Munich Health Insurance. These plans will be processed online to maintain the paperless environment and to reduce turnaround time. Reg. Address: Apollo Munich Health Insurance Company Limited Corporate Office: 10th floor, Tower B, Building No. HDFC ERGO Health Insurance has bagged a couple of awards in the past years. Below are some of the features of this medical insurance plan: You can make the HDFC ERGO Health Insurance Renewal payment 60 days before the expiry of date. The Critical Advantage Rider has two variants – $2.5 lakh (nearly Rs 1.5 crore) and $5 lakh (about Rs 3 crore). The option is available at the renewal between 58-60 years provided the insured had enrolled before the age of 50 years and has been renewing the policy without a break. 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. *All savings provided by insurers as per IRDAI approved insurance plan. The existing lifestyle of an individual makes them more prone to diseases and illnesses, which further results in growing chances of one’s sickness. 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.". A policy holder gets a 45 days prior reminder from … Q5: Can I avail cashless hospitalization across all hospitals? There is a Multiplier Benefit in which for every claim-free year, the customer receives a bonus of 50%, accumulating up to 100%. It also allows 15 days grace period for renewal premium payment. It wouldn’t really be an exaggeration to say that HDFC ERGO Health has made health insurance pretty simple for everyone, over the decades of its operations. 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 … Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001, IRDAI Web aggregator Registration No. Apollo Munich Maxima Health Plan Introduction. The HDFC ERGO Health wallet plan is an individual health insurance policy that offers coverage to both individuals and family members. The company's motto is 'Let’s uncomplicate', which shows its focus on providing effective yet simple solutions for every healthcare need. 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. 100% base sum insured is added to your cover automatically for that policy period. 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. The policyholder will enjoy a Restore Benefit if the customer or his family member exhausts the sum insured during the year. Use the restore sum insured to pay your future claims. 404-405, Udyog Vihar, Phase-III, Gurgaon-122016, Haryana Corp. Off. 3 to Rs. 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. 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. Apollo Munich Easy Health Insurance plan is a cover for treatment against illnesses and accidents or injuries requiring in-patient hospitalization. For a 35-year old the premium for the base policy along with this rider comes out to be nearly Rs 16,000. 131 ● Corporate Identity Number - U66030MH2006PLC331263. Daycare procedure cash is provided if the insured undergoes any of the 10 identified daycare procedures that do not require 24 hours hospitalisation. Standard T&C apply. Apollo Munich Health Insurance Co. Ltd. nd2• 3 rd Floor, iLABS Centre Plot No. 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. IRDAI/WBA21/15 Valid till 13/07/2021. A wants to apply for an Optima Restore Individual policy for himself for a value of Rs. Trade Logo displayed above belongs to HDFC Ltd and ERGO International AG and used by the Company under license. Also, there is an option to pay up to 50 percent of the renewal premium without any co-payment clause. 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. However, the policy requires timely renewal. Grace Period for Policy Renewal: 15 days grace period is allowed to policyholder for payment of premium at the insurers discretion. 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. If the customer has a second, subsequent no-claim year then their basic sum insured is raised by 100%. First 36 Months from Policy Inception Declared or accepted pre-existing conditions at the time of application will be covered after the first three years of continual renewals. Convalescence cash is provided in the form of a lump sum amount if the insured person is hospitalized for more than 7 continuous days. 10, 000 is provided if the hospitalization is for greater than 10 days. 06 Registration Code No. Q2: Do I need to undergo pre-policy medical check-up? There is a Shared Accommodation Benefit if the insured person opts for a shared accommodation in a network hospital. 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. 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. 5 Lakh each and the premium payable is Rs. • No loading shall apply on renewals based on individual claims experience. Renewal premium is calculated based on insured age at the time of renewal. The sum assured is increased by 50% for every claim free year with No-claim-bonus. Health Insurance Portability – All you need to Know. The plan covers the cost of hospitalization, maternity expenses, Ayush treatment expenses, with critical illness rider benefits. Of course, there are many of them that you need to keep going with the on-going lifestyle. 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. Q10: Should the claim and supporting documents submitted to TPA directly or HDFC ERGO Health Insurance ? ... Apollo Munich Health Insurance Company Limited Corporate Office: 10th floor, Tower B, Building No. 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.,. 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. 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. Under the platinum plan, a female who is insured will receive twice the daily sickness cash amount for maternity. ) 1st Floor, SCF-19, Sector-14, grace period, then the policy... No extra charge and accidents or injuries requiring in-patient hospitalization doctors who handle and efficiently take care of basic! 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