HDFC ERGO Group Health Insurance
HDFC ERGO offers a comprehensive range of group health and group medical insurance plans for all types of companies in India. HDFC ERGO is the second-largest private sector insurance group in India.
The insurer has an extensive suite of health insurance products for critical illness, diabetes care, health plans for women, family floater, top-up/super top-up and more.
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Key statistics of ICICI Lombard general insurance company*
GHI Premiums
GHI lives insured
Health lives insured
Health claims Processed
Health claims settlement ratio***
Health claims settled within 3 months
Awards and recognitions
Excellence in Financial Reporting
Top Projects in India
Best Customer Experience Award of the Year
CMS Outstanding Affiliate World
Best Insurance Company in Private Sector
Gold Shield
iAAA Rating
HR Excellence
What is group health insurance?
Working in a company can help you get a lot of benefits. One such is group health insurancecover for you and your entire family. You need not think about purchasing a group insurance scheme because your employer sponsors it.
Yes, the cost of buying and administering group insurance lies in the hands of your employer. With group medical cover, you can live and work stress-free without needing to think about the financial obligation arising out of emergency hospitalisation. Plus, HDFC ERGO comes with online health plans that offer complete customisation options.
Highlights of Group Care Insurance
Excellent cashless claims service
More than 1.5 crore happy customers
Wide network of 10,000 plus hospitals across India
Industry experience of more than 20 years
Average customer rating of 4.5/5
A highly trusted brand of the insurance sector in India
Standard benefits offered by HDFC ERGO group health insurance
Feature
Type of Cover
Who is covered?
Employees as well as their spouse, children, and parentsHospitalization expenses due to accident and sickness are covered (inpatient hospitalization)
What is covered?
Room rent, boarding expenses, nursing home expenses
Fees for the surgeon, doctor, nurse, medical practitioner, consultant and more
Sum Insured
Depends on the size of the organization
Hospitalisation cover
Pre and post hospitalisation charges, day care treatments and domiciliary hospitalisation are covered.
Additional benefits offered by HDFC ERGO group health insurance
Add ons
Maternity benefit options
Any type of pre-existing diseases
Reimbursement for the cost of health check-up
Family floater option - spouse, dependent children and dependent parents
Treatment for dental disorders
Expenses related to spectacles, contact lenses
Waiver of the waiting period
Waiver of 1st-year exclusions
Reimbursement for ambulance travel to the hospital
Please note that Plum has collated and presented this data for informational purposes only and at a particular point in time. Plum does not endorse, rate, or recommend any particular insurer or insurance product offered by an insurer. The final terms, conditions, and premiums may vary depending upon factors including group size, age, location, and applicable taxes.
Here's how HDFC ERGO is better with Plum
Complete digital experience
Cashless process enables the insured to get treated at any network hospital without any upfront payment. This helps your employees get treated for ailments without any financial burden.
Cover for businesses of all sizes
Get the best online group health insurance for teams and companies of all sizes.
Scales as you expand your team
Add or remove employees and medical benefits as you scale.
Doctor on call
Get teleconsultations from our expert doctors along with advice on medical and general health.
Plum Wellness
Get access to corporate wellness programmes for your employees.
Insurance on WhatsApp
Start a claim, download your eHealth card, check policy details, and much more on WhatsApp.
Single Dashboard
Be it employer or employee, desktop or mobile, check your insurance plan & health benefits dashboard anywhere.
Track your claims
Know how your team is utilizing their employee benefits and medical coverage.
Documents required for claims process
The documentation depends on the type of claims process you have chosen - Cashless or Reimbursement.
Completely filled claim application form for reimbursement process with employee id and group policy details
All original bills related to medical treatment
Payment receipts done manually
Discharge certificate
If you have taken implants, the invoice has to be submitted
Doctor’s prescription
Nurses/attending physicians notes
KYC details for deposit transfer - NEFT/IFSC/Bank Statement
FIR or police certificate or post mortem report in case of accident/death
Claims application form
Cashless claims application form - you can get this from the TPA desk at the hospital
Health card, health ID or policy number
ID proof - PAN & Aadhaar is mandatory
Medical bills and daily treatment summary
Here’s why you will love Plum
With Plum, get complete access to your insurance plan on WhatsApp
Check your healthcare benefits
Intimate your claim
Read what’s covered and not covered
Select other health benefits
Download your Digital health ID Card
See daycare treatment list
Frequently Asked Questions
Can I add or remove members after the initial setup?
Super top-up is additional coverage of 20 lakhs added to your existing policy. You can avail the additional cover for yourself, and/or for your entire family (self+spouse+2 kids), and/or your parents.
This policy, however, comes with waiting periods on certain critical illnesses and applicable deductibles.
How are premiums calculated for additions?
Yes, you can add new employees, add new dependents (at the time of marriage or childbirth), and remove employees who exit the company. Additions and deletions can be done using the Plum dashboard.
Do I get refunded for deletions?
Deductible refers to the amount paid by the policyholder (via out-of-pocket or other medical insurance policy) before the super top-up kicks in. Read all about how a deductible works here.
How do I pay for additions and deletions?
No, the policy doesn’t cover same-sex or unmarried couples.
Can an employee convert the group plan to an individual plan if they leave the company?
No, the policy doesn’t cover same-sex or unmarried couples.