HDFC Ergo Health Insurance Network Hospitals in India

With over 1.5 crore policyholders, HDFC Ergo is one of the leading general insurance companies in India, operating for the past 18 years. They have various health insurance products in-store that are suited to address the needs of every individual. With a 97% claim settlement ratio and tie-ups with more than 10,000 hospitals across the nation, there was cashless hospitalization that can be availed by their policyholders. However, for this, you must be aware of the HDFC Ergo cashless hospital list.

The list of various health insurance plans offered by Care Health is given below:

• HDFC ERGO Health Suraksha Plan
• HDFC ERGO Health Suraksha Gold Plan
• HDFC ERGO Health Suraksha Regain Plan
• HDFC ERGO Health Suraksha Gold Regain Plan 
• HDFC ERGO Health Suraksha Top Up Plus Plan
• HDFC ERGO Critical Illness Silver Plan
• HDFC ERGO Critical Illness Platinum Plan

HDFC Ergo Health Insurance Network Hospitals List: 

As an existing policyholder, getting to know about the HDFC Ergo health insurance list of hospitals can help you avail yourself of the cashless services quickly and conveniently without spending hours looking for the best hospital around town. As an insurance company that has a Pan-India presence, all you need is to get admitted to any hospital within their network since there are numerous benefits while choosing an HDFC cashless hospital, instead of some random hospital. You aren’t required to worry about paying huge hospital bills, instead, you can concentrate on recovering fast, without stressing about financial issues. 

To find your nearest HDFC Ergo network hospital, you just need to choose your city on the HDFC health insurance hospital list page at https://www.hdfcergo.com/locators/cashless-hospitals-network. Once you’ve selected your city you’ll be provided with the complete list of hospitals, including the addresses as well as directions for them, based on which you can take a final decision.

Additionally, you can also contact the customer support department at 022 6234 6234 or email them to contact@hdfcergo.com for an HDFC Ergo hospital list near me.

Claim Filing Process: 

For initiating the health insurance claim process, it is required for the insured to stay in the hospital for at least 24 hours for the claim to be considered by the insurance company for processing. In such a situation, the medical costs are paid by the insurance company according to the guidelines and conditions directly to the hospital. Hence, a claim will not be accepted if the insured was hospitalized for less than 24 hours.

Documents Required for Health Insurance Claims: 

While looking for the HDFC Ergo hospital list, it is mandatory to prepare all the documentation that is required to be provided at the time of hospitalization. The most common reason for an insurance claim to be denied is the inability of the insured, to supply all the necessary documents. Although a majority of the settlement of claims is settled digitally, proper reports and documentation are still required because India is yet to fully implement digital documentation.

In cashless claims, the policyholder doesn’t have to provide a large number of documents because they are usually dealt with by the hospital insurance desk. However, they’ll still need a few documents from you before they can begin the process of settlement for cashless claims. Here is a listing of documents needed for reimbursement for Mediclaim which the insured or nominee needs to present to the hospital:

• Completed and filled-in authorization form
• All the essential KYC documentation (Aadhar Card, PAN Card, and more.)
• A prescription from a doctor recommending hospitalization, medical tests, treatments, medications, etc.,
• Original policy documents, Cashless health card
• Diagnostic or medical reports documents that include a clear description of the condition of the patient and hospitalization.

Cashless claims are the most popular reason for choosing a health insurance policy. But not knowing the exact procedure to follow at the time of crisis, will make the entire exercise of buying a health plan go to waste, which must be avoided at all costs. That is why knowing the steps in advance about what an insured individual has to do in case they have to get hospitalized in an HDFC network hospital must be a priority. Moreover, to ensure a quick response by the insurance company to take up the medical expenses with the hospital, the below steps must be followed for smooth processing of claim settlement.

1. Get admitted to HDFC Ergo network hospital that is in your locality.
2. Inform the TPA or the insurance desk at the hospital about the admission 
3. Provide all the required documents including the TPA ID card at the front desk, before proceeding for treatment, for them to get started with the cashless claim procedures.
4. Sign the cashless claim request form and deposit it with the hospital desk, along with all the necessary documents.
5. After verifying the provided information, it is sent to the insurance firm to be approved.

Once the insurer has given its approval, the hospital forwards the bills of your treatment directly to the insurance company for settlement. Since the hospital holds all the required documents about the insured individual, the cashless claim process is completed quickly. While this is the process that is undertaken when getting hospitalized in an HDFC Ergo health insurance cashless hospital list, things are different if you choose to get admitted to a non-network hospital wherein you may have to follow the reimbursement claim route to get back your expenditure on medical bills. 

The Conclusion:

While it can be considered a risk, taking on your own life, if you do not take a health insurance policy for yourself or your family, you must know the list of hospitals in the network. The process of settling claims can become cumbersome, once you have purchased the HDFC Ergo policy if you don’t know the HDFC Ergo health insurance network hospitals. This shall ensure that you do not end up having to spend too much time choosing the right hospital you want to visit at the last minute, or being admitted to a facility that is not on the HDFC Ergo network hospital list, leaving you to deal with things on your own.