Renewing your HDFC ERGO health insurance policy is quick, easy, and entirely online. With a strong claim settlement record and wide coverage options, it's essential to keep your policy active without a break in coverage.
Here’s everything you need to know to renew your HDFC ERGO health policy through PolicyBachat
Why Timely Renewal is Important
Renewing on time ensures:
- Continued access to health coverage
- Preservation of waiting period benefits
- No Claim Bonus (NCB) retention
- No need for fresh medical underwriting
A missed deadline could result in coverage lapses, delayed claims, or loss of prior policy benefits.
Step-by-Step Renewal Process on PolicyBachat
Step 1: Go to PolicyBachat.com
Step 2: Log in or enter your registered mobile/email
Step 3: Select your HDFC ERGO policy under 'My Policies'
Step 4: Review the renewal premium and coverage details
Step 5: Add riders or make updates (if applicable)
Step 6: Pay online and receive your renewal certificate instantly
No paperwork, no agent calls — fully digital and secure.
Can I Switch My HDFC ERGO Plan During Renewal?
Yes. During renewal, you can:
- Port your policy to a different insurer
- Upgrade to a plan with higher sum insured
- Add new family members or riders
PolicyBachat allows side-by-side plan comparison before renewing, so you get the best option based on your current needs.
What is the Grace Period for HDFC ERGO Health Insurance Renewal?
HDFC ERGO provides a 30-day grace period after the policy expiry date. During this time, you can still renew your policy without losing continuity benefits.
However:
- Claims filed during the grace period are not covered
- If you miss the grace period, the policy lapses
It is strongly recommended to renew before the expiry date.
Documents Required for Renewal
None. If your health status and nominee details remain unchanged, no documentation is required. Just verify policy details and pay the premium.
Frequently Asked Questions
Can I renew my HDFC ERGO policy early?
Yes, you can renew up to 45 days before the expiry date.
Can I pay my renewal premium in installments?
Depending on the plan, some policies allow EMI options. Check during the renewal step.
Will I receive a new policy document?
Yes, a fresh certificate of insurance will be emailed immediately after payment.
Renew Your HDFC ERGO Health Policy Now
Don’t risk a lapse in coverage. Renew your HDFC ERGO policy in minutes with PolicyBachat and stay protected.
Use PolicyBachat to compare plans, view premiums, and select the right coverage.
Renew Now