What is HDFC ERGO Health Critical Illness Insurance Plan? It is a Critical Illness Insurance plan launched by HDFC ERGO General Insurance. This policy also falls under some other types, such as individual insurance. The company had an Incurred Claims Ratio of 92.91 % in year 2013-14 and 56.48 % in year 2014-15. It is the ratio of claims incurred to the total amount of premium collected in a year. The company has 5000 + network hospitals. Cashless hospitalization facility can be provided to the policy holders in these network hospitals. The plan is currently active and can be bought.
Policy details of HDFC ERGO Health Critical Illness Insurance includes information such as its Unique Identification Number, Facility to buy the policy online, Availability of tax benefits, Cashless hospitalization facility and the discounts available on the plan. You can buy this policy online. You need not buy this it through an insurance agent or from the company office. You can also pay the regular premium of this plan online. The Unique Identification number of HDFC ERGO Health Critical Illness Insurance is IRDA/NLHLT/HDFC-ERGOGI/P-H(C)/V.I/120/13-14. This is a unique number by which each health insurance policy is registered under IRDA.
There can be various advantages of buying a health insurance plan. HDFC ERGO Health Critical Illness Insurance advantages might include tax benefits, Discounts on the premium, Facility of cashless hospitalization. Tax benefits are available on the premiums paid under this plan. No discounts are available on the premium of this policy. Cashless hospitalization facility is available under this plan If the treatment is taken at one of the network hospitals then the expenses incurred are directly settled by the insurance company with the hospital. If the treatment is taken from the hospital other than network hospitals then you have to settle the bills with the hospital. The insurance company makes the due reimbursements.
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