My Experience with HDFC ERGO
Purchased HDFC ERGO secure Plus policy in June this year. Covered Me, wife both 30 and my son (1).
cover of 20 lakhs base.
Son diagnosed with malaria Last week. Admitted to a hospital in hometown. Hospital had cashless facilities but was not Empaneled hospital.
Hospital took the patient in and started treatment. Simultaneously applied for initial approval for claim. Company on its website has said this comes within 2-3 hrs. But it didnt come on date of admission. I purchased policy directly so there was no agent to help.
Also on company app there is no contact number to reach out to.
(On day 2)
I sent 10-15 mails to company they replied but the replies were vague. Like we will do this in 36 hrs, 24 hrs etc etc.
One guy called me and assured me it will be done within 6 hrs.
Still no luck.
On day 2 everything company sent few people to investigate about the medical condition of my son. In hospital room. This was our first point of contact with company. I felt little relieved.
On day 3 the initial approval came- which approved like 60% of claimed amount.
I was little disappointed, but the insurance helpdesk guy at hospital said this doesn’t mean anything at time of final approval. And every thing apart from disposables will get covered.
During discharge process the claim was appproved within 2 hrs and all amount apart from disposables got approved.
As the hospital was not empanneled disposables were not covered in cashless treatment. But my plan covered disposables. I will claim that in reimbursement lets see.
Overall a good experience. But need to have some contact number which will guide us in case of emergency.
So i will recomment to buy policy from agent or policy bazaar as they have a agent contact who will guide us in claim filing.
Thats all. Health insurance is a must. I saved 50k with one decision and was not worried financially in this emergency.