A health insurance policy these days is one of the most important things you should invest your money into. The medical expenses are so high that it can be quite difficult for anyone to pay the money directly from their pockets. A health insurance policy is something that would be very helpful for people, especially during a medical emergency. It will not only cover your medical expenses but also take care of the hospital bills of your family members.
However, along with health insurance, also comes the pressure of paying the premiums. And premiums are the reason why many people drop the idea of buying a health insurance plan as they think they might not be able to afford it. Well, if you are confused about the kind of premium you are going to pay to the insurance company, you can use an online calculator to get an idea of it. One of the easiest of them is the HDFC ergo premium calculator.
How to calculate through the HDFC Health Insurance Premium Calculator?
Calculating the premiums for HDFC Ergo health insurance plans is very simple by using the online premium calculator. The details that you would require to enter are:
- Your age
- Policy term
- Medical history
- Coverage details
- Sum insured you need
- The type of policy to buy
To make an informed decision, you must calculate the premiums of every health insurance policy that you are considering. This will help you to compare quite a lot of them and get an idea of the one that you should take. This will also help you to stay away from any kind of confusion in the future.
Apart from this, there are several other benefits of using the HDFC Health Insurance premium calculator. Here are some of them mentioned:
- You can decide the final list of necessary benefits
- You can decide the final list of necessary riders
- You can be certain about the affordability of buying a policy
- You will be able to analyze the costs that are involved in investing in a health insurance policy
- You can compare various health insurance policies based on their rate as well as coverage
- You can choose the best premium amount and the coverage option.
Why you should choose HDFC Ergo?
HDFC Ergo is one of the top general insurance companies in the country. The company has received many honors and recognition to make it a reputed name in the health insurance industry. HDFC Ergo has more than 10,000 network hospitals across India and also boasts its 24*7 customer support. The company is known for settling reimbursement or cashless claims smoothly. They offer a wide range of health insurance policies. Some of them are mentioned herein below:
HDFC ERGO Optima Restore Health Insurance
This is one of the plans provided by HDFC Ergo and comes with three unique benefits, which include Restore, Multiplier, and Stay Active. If the previous amount is partially or completely exhausted, 100% of the sum insured is included in the policy. For the 2 claim-free years, the amount for the sum insured is multiplied.
HDFC ERGO My Health Suraksha Insurance
Another health insurance plan offered by HDFC Ergo, My Health Suraksha Insurance comes with multiple sum insured options that start from INR 3 lakh and go up to INR 75 lakh. The plan is of three types, which include Silver Smart, Gold Smart, and Platinum Smart. On buying this plan, you will get protection along with lifetime renewability.
HDFC ERGO Corona Kavach Health Insurance
This is one of the most recent health insurance plans offered by HDFC Ergo, which has been designed to provide the insured protection against the expenses of COVID-19 treatment. The health insurance policy can be bought by people between the age range of 18 years and 65 years. There are two variants of this plan, which include individual and family floater.
To know the premiums that you have to pay for these plans, you can use the HDFC Ergo health insurance premium calculator online.