India Health Insurance

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Reviews
Truspilot: 2.0/5
Reddit: Not Good

HDFC Ergo receives mixed reviews, generally praised for strong metrics like a high claim settlement ratio and extensive cashless network, but criticized by some customers for high premiums and specific negative claim experiences. 

Positives

Strong Financial Backing and Reputation: HDFC Ergo is a joint venture between India's HDFC and Germany's ERGO International AG
High Claim Settlement Ratio (CSR): Cited around 95-98%, which is generally above industry averages
Extensive Network: Large network of cashless hospitals (16,000+) and motor garages (12,200+)
Convenient Online Process: Easy-to-use website and mobile app for buying, renewing policies, and managing claims online.
Feature-Rich Plans: Specific products like the "Optima Secure" health plan are noted for innovative features
Low Complaint Volume: Low volume of complaints

Negatives

High Premiums: A frequent complaint is that HDFC Ergo's plans can be more expensive than those offered by other insurers.
Claim Denials/Delays: Some customers report "horrible" experiences with claim rejections or significant delays.
Customer Service Issues: Some reviews mention unhelpful, slow, or unresponsive customer support.
Complex Policy Wording: Some customers find the fine print, exclusions, and conditions tricky to understand.

Summary

HDFC Ergo appears to be a reliable and feature-rich insurer backed by strong metrics, provided you carefully read the policy details and understand the terms. The company is often recommended for its consistent performance, but potential customers should be aware of the higher premiums and the importance of thoroughly understanding their coverage to avoid potential frustrations during the claims process.

References
https://www.youtube.com/watch?v=R4ehMh3z9UA
https://joinditto.in/health-insurance/hdfc-ergo/

The STAR Red Carpet Policy is Star Health Insurance's popular health plan for senior citizens (aged 60-75), offering lifelong renewability, no pre-policy medical check-ups, and coverage for modern treatments and pre-existing diseases after a waiting period, designed to provide financial security for later life with features like home care, unlimited tele-consultations, and options for high sum insured.


Reviews

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References