2. For claim-free years, I am allowed eligibility for Rs. 1500 Medical check-up; this has to be lost as well in case of renewal, as new insurers upon porting do not offer this facility rather, they have some lesser benefit tests (or) nothing at all depending on the plans we chose.

Ans: Hi Murali, sorry to hear about your health and wish you a speedy recovery. To answer your question, if there is no waiting period for heart attack in your policy then the same will be covered in the policy for any treatment done in India.

I suggest you to kindly declare the said ailment to the insurer. The premium will not increase considering this factor as the said ailment occurred after the policy issuance.

Ans: Hi Narayan, my best wishes to you and your family. To answer your questions, if your policy has Day Care treatment included in the policy document, then the same can be claimed for. There is no limit to the number of claims taken in a year. However, you can only apply for claims only up to the sum assured value of your health policy.

As far as insurer denying renewal due to number of claims, the answer is no, insurer will not deny your renewal. However, there is a possibility that the insurer will increase your yearly premium based on the re-evaluated risk.

Ans: Health check ups are not covered in medical insurance however check your policy if it offers free health check up

Ans: HDFC ERGO Health Insurance is one of the reputable health insurance providers in India, offering a range of policies catering to various needs. However, whether a policy claim will be rejected after 8 years of continuous renewals depends on several factors, including the terms and conditions of the specific policy you've opted for, the nature of the claim, and adherence to policy guidelines.

It's essential to carefully read the policy documents, including the fine print and terms and conditions, to understand the coverage, exclusions, claim process, and renewal provisions. Additionally, maintaining continuous renewal without any breaks is generally advisable to ensure uninterrupted coverage and avail benefits like waiting period waivers and no-claim bonuses.

While insurance companies typically have provisions to minimize claim rejection risks after a certain period of continuous renewals, it's crucial to stay informed about any policy updates, changes, or exclusions that may affect your coverage.

To ensure clarity and peace of mind regarding your health insurance coverage, consider reaching out to HDFC ERGO's customer service or consulting with an insurance advisor for personalized guidance tailored to your specific policy and circumstances.

Ans: Hello;

What is the sum assured you are looking at?

Is 5 year premium paying term?

Kindly clarify so as to advise you suitably.

Thanks;