Quick Overview
One of the most important things to look for while buying a health insurance plan is its premium. A lot of factors influence it, like your age, the number of members covered, your pincode, and more. With so many variables in play, it is easy to feel lost.
That is why IRDAI requires all insurers to publish premium charts for their plans. These charts put all the prices in one place and give you a clear bird’s-eye view of how premiums work. Since HDFC Ergo is one of the leading insurers in the market, their premium charts become even more important for comparison and decision-making.
In this article, we will walk you through how to check premiums for HDFC Ergo plans online, how to download their premium charts, and the key factors that affect them.
How to Calculate HDFC Ergo Health Insurance Premiums Online?
- Navigate to the insurer’s official website, and then click on “Health Insurance” option
- Enter the following details: ‘Plan type’(Family floater or individual plan), ‘Family size’ (number of members), ‘Sum insured’, Pincode, and Mobile number.
- Provide the OTP, and you will be redirected to the premiums page.
HDFC Ergo Health Insurance Premium Chart PDF: How to Download It?
- Navigate to the insurer’s official website.
- Navigate to the ‘Download Section’ under the ‘Resources’ table at the bottom of the page
- Click on the ‘Prospectus’ option
- Select the desired plan
- In the prospectus, you can find all the premium charts for both family floater and individual plan options.
Note: It is always advisable to download the premium chart from the official website, as information on third-party websites can be outdated or inaccurate.
Premiums for HDFC Ergo plans like Optima Secure, Medisure Super top-up, Arogya Sanjeevani, Energy, Optima Lite , etc. are available through the respective plan links.
Factors Affecting HDFC Ergo Health Insurance Premiums
Age
The risk of hospitalization increases as we get older, so insurers charge higher premiums for older policyholders. In the case of HDFC Ergo, some plans increase the premium each year(e.g. Optima Secure and Optima Super Secure plan), others follow age bands (e.g. HDFC Ergo Energy). But in the long run, increase in both modes ends up being similar.
Sum Insured
The higher the coverage you choose, the higher the premium. This increase is usually non-linear and happens because the insurer is taking on more risk.
Pre-existing Conditions
If you already have conditions like diabetes, hypertension, or high cholesterol, the insurer may charge you a higher premium. This extra amount is called a loading charge. It usually falls in the 10 to 40% range, but it can go higher for more serious conditions.
Policy Type
The type of plan you pick also affects the premium. This depends on the features offered and whether it is an individual plan or a family floater.
Add-ons
Add-on features like OPD or maternity benefits can increase your premium but provide additional protection. The suitability of any add-on also depends on it’s utility for each individual.
Lifestyle Habits
While rare, heavy drinkers or smokers and those with risky lifestyles may have to pay higher premiums to insurers.
Popular HDFC ERGO Health Insurance Plans With Premium Charts
Note:
- Unless mentioned otherwise, the premiums above are for a person living in Delhi and are based on a ₹15 lakh sum insured.
- The given premiums are subject to increase on an inflationary basis by roughly 14-18% every 2 to 3 years.
Why Choose Ditto for Health Insurance?
At Ditto, we’ve assisted over 8,00,000 customers with choosing the right insurance policy. Why customers like Pallavi below love us:
- No-Spam & No Salesmen
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Confused about the right insurance? Speak to Ditto’s certified advisors for free, unbiased guidance. Book your call now or chat over WhatsApp, slots fill up fast!
Ditto’s Take on HDFC Ergo Health Insurance Premium Charts
Downloading the premium charts for HDFC Ergo plans is simple and convenient. They give you a clear, detailed view of how premiums change with different factors, something online calculators often cannot show as clearly.
That said, premium is just one part of choosing the right HDFC Ergo plan. It is equally important to check how comprehensive the coverage is. Always compare all the available options before making your final decision.
Note: To know the methodology behind why certain plans are recommended, refer to Ditto’s Cut and Framework
Frequently Asked Questions
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