HDFC ERGO Health Insurance Premium Calculator

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      HDFC ERGO Health Insurance Premium Calculator

      HDFC ERGO health insurance premium calculator is an online tool that calculates the estimated premium of an HDFC ERGO health insurance policy. It allows policyholders to know the approximate premium that they are supposed to pay for an HDFC ERGO health policy before buying. The premium is calculated based on the details provided to the calculator, such as the city of residence, current age and the sum insured.

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      How to Calculate HDFC ERGO Health Insurance Premium?

      The process of calculating the premium of an HDFC ERGO health insurance policy is very simple. Take a look at the step-by-step procedure to calculate HDFC ERGO health insurance premium below:

      • Visit Policybazaar.com and go to the ‘Insurance Products’ tab at the top of the page
      • Click on ‘Health Insurance Calculator’ under the ‘Health Insurance’ category
      • Scroll down to the “Health Insurance Premium Calculator’ widget
      • Enter the city where you live
      • Select the people to be insured and enter their age
      • Choose your preferred sum insured and click on ‘Calculate’

      The premium for various HDFC ERGO health insurance plans will be displayed.

      HDFC ERGO Health Insurance Premium Chart

      HDFC ERGO health insurance premium chart consists of the premiums charged by the HDFC ERGO General Insurance Company. Every HDFC ERGO health policy has a premium chart containing premiums for different sum insured and relationship combinations. Policyholders can find the premium chart for an HDFC ERGO health insurance policy with its brochure, prospectus or policy documents.

      Benefits of Using HDFC ERGO Health Insurance Premium Calculator

      Here are the benefits of using an HDFC ERGO health insurance premium calculator:

      • Make an Informed Decision – The calculator helps customers to check the premium of an HDFC ERGO health plan before buying. It enables them to choose an affordable policy that fits within their budget.
      • Compares Premiums – Customers can check and compare the premiums for different HDFC ERGO health plans through the premium calculator so that they purchase the one that fulfills their health needs at the best price.
      • Easier Process – Calculating the premium of an HDFC ERGO mediclaim policy through a premium calculator is much easier than doing it manually. Manual calculation of premiums can be cumbersome and may be inaccurate.
      • Helps in Customization – The HDFC ERGO health insurance premium calculator checks the premium of a health plan if a cover is added or removed. This allows them to customize their policy as per their preference and budget.
      • Saves Time – Estimating the premium of an HDFC ERGO health policy is much faster through a health insurance premium calculator, as manual calculations may take a lot of time.

      How is HDFC ERGO Health Insurance Premium Determined?

      Check out some of the factors that determine the premium of an HDFC ERGO health insurance plan:

      1. Age of the Insured

      The higher is the age of the person to be insured, the higher will be the HDFC ERGO health insurance premium. This is because the probability of developing a medical condition and raising a claim increases with age.

      2. Medical History

      People with an existing disease or medical condition attract a higher premium than those with no pre-existing diseases. This is because people with a medical history will lead to definite claims. Thus, they are a bigger liability for the insurance company.

      3. Sum Insured

      The premium of an HDFC ERGO health insurance policy is directly proportional to its sum insured. The higher the sum insured, the more will be the premium price. This happens because the insurer’s liability increases as the sum insured increases.

      4. City of Residence

      The city where the policyholder resides also determines the health insurance premium. Insurance companies charge a higher premium to people living in metropolitan cities than those living in smaller cities. This is because healthcare facilities are more expensive in metropolitan cities than in tier 2 and tier 3 cities.

      5. Gender of the Insured

      HDFC ERGO health insurance premiums are much lower for females than males. This is because females have a lower risk of heart attack, stroke, etc., and so are a smaller liability for the insurers than men.

      FAQs

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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      Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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