Quick Overview
Even a short lapse in health insurance renewal can mean losing years of waiting period benefits and facing medical bills paid out of pocket.
At Ditto, we’ve helped thousands of policyholders review renewals and fix lapses before they became costly mistakes. For this guide, we studied HDFC ERGO policy terms, renewal rules, and real customer renewal cases handled by our advisors.
Let’s walk through everything you need to know about renewing your HDFC ERGO health insurance policy.
How to Renew an HDFC ERGO Health Insurance Policy?
Via the Website
Renewing online through the HDFC ERGO website is quick and straightforward:
- Visit the official website and click on renew. You’ll find it in the middle of the page.
- You can also visit their renewal link directly.
- Enter your registered mobile number/email address/policy number.
- Verify your details and review coverage.
- You can make the payment using net banking, debit card, credit card, or UPI.
Once the payment is successful, you’ll receive the renewed policy document and receipt via email.
Via the Mobile App
- Download and open the HDFC ERGO app from the Play Store for Android users or App Store for iOS users.
- Log in using your registered mobile number
- Select your health insurance policy
- Check policy details and renewal premium
- Complete payment securely
The app also allows you to track policy details, claims, and renewal reminders.
If you’re not comfortable renewing online, you can also call the HDFC ERGO customer support team or visit the nearest branch for assistance.
Contact Details for HDFC ERGO Health Insurance
Toll-Free Numbers
022 6234 6234 or 0120 6234 6234 (for service or claims), 022 6242 6242 (for buying new policies)
+91 8169 500 500
You can reach out to them at care@hdfcergo.com for various needs such as claims, renewals, and general queries.
Senior Citizen Support
022-6242-6226
Offline Support
If you prefer to deal with everything offline, you can also visit your nearest HDFC ERGO branch. Use the branch locator to find the one closest to you.
HDFC ERGO Renewal Grace Period
In accordance with IRDAI rules, HDFC ERGO grants a grace period of 15 days for monthly premium policies and 30 days for quarterly, semi-annual, and annual premium policies. During this period, you can renew your policy without losing continuity benefits.
However, please note that claims made during the grace period are generally not accepted, at least until the balance premium is paid.
If you miss renewing your policy even after the grace period ends, your policy may lapse, resulting in the loss of NCB, loyalty bonuses, and accumulated waiting periods.
To avoid complications, it’s always best to renew your policy before the expiry date.
Benefits of Renewing HDFC ERGO Policy Before Renewal
No Break in Coverage
Continuity Benefits Stay Intact
Avoid Claim Rejections
Keeps Long-Term Benefits on Track
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 Rajan below love us:
- No-Spam & No Salesmen
- Rated 4.9/5 on Google Reviews by 15,000+ happy customers
- Backed by Zerodha
- 100% Free Consultation
You can book a FREE consultation. Slots are running out, so make sure you book a call or chat with an advisor now!
Conclusion
HDFC ERGO Health Insurance offers solid coverage and a convenient renewal process. Renewing your policy before it expires ensures uninterrupted protection and helps you retain valuable long-term benefits. If you’re unsure whether to renew, upgrade, or switch, getting expert advice can save you both money and stress.
Full Disclosure: HDFC ERGO Health Insurance is a partner insurer of Ditto. If you need help, we’re always here to simplify the process and provide unbiased guidance.
Frequently Asked Questions
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