HDFC Ergo Health New Customers Renewal - Everything You Need to Know in 2025

Health insurances should be regularly updated to get the protection of medical expenses renewed. Because of increased healthcare expenses in 2025, it is even more important to promptly renew your HDFC Ergo Health Insurance policy to secure peace of mind of millions of individuals and families. Here you will know in this guide the complete process of HDFC Ergo renewal, frequently asked questions, features of renewal, useful tips, and how to renew smartly with all updated information of this year to Indian users.

What is Health Insurance Renewal of HDFC Ergo?

HDFC Ergo Health Insurance renewal is about continuing with your medical insurance policy coverage, after completing your current insurance cover term, normally after a year. The renewal will help you keep transferring the benefits such as cashless hospitalisation, pre and post hospitalisation cover and protection of the unexpected medical expenses. It will keep you out of interruptions in your coverage and setbacks caused by medical problems.

Renewal is either on the internet or off the internet that is why it is convenient to any category of policyholder. It is vital to remain insured lest they expose themselves to significant risk even after a day without policy cover.

HDFC Ergo Health Insurance Process of Renewal - How Does it Work?

How will a customer renew HDFC Ergo Health Insurance in 2025?

HDFC Ergo Health Insurance has renewal plans where the process is simple. Do this:

• Go to the official web-page of HDFC Ergo or enter the mobile application HDFC Ergo.
• Enter your phone or registered email.
• Type in policy information including policy number and date of birth.
• Check the current health plan.
• Sign up on whether to have riders such as critical illness cover or personal accident cover.
• Pay online payment premium with net banking, UPI, credit or debit card.
• Get immediate policy renewal confirmation and facing documents through email and SMS, and have them to download.

You also have an option to do it over the phone, to call HDFC Ergo customer care and renew the policy; you can also go to the nearest HDFC Ergo branch to do the documentation and remit the payments.

Here is a fact you might not know! In 2025, the majority of the hopeful customers favor online renewal of health insurance, as more than 80 percent conduct the transaction online.

What are the major characteristics of HDFC Ergo health insurance renewal?

Why is HDFC Ergo customer renewal unique in 2025?

In 2025 when you renew with HDFC Ergo, the experience would be smooth and fruitful due to a few features:

• Zero paperwork, zero waiting time by renewing the digital policy instantly.
• On some plans, there will be a free health checkup facility on renewal.
• There is no claim bonus retention, and you can enjoy superior reductions or increased coverage in the event of zero of claims in 12 months.
• The life time renewibility aspect that causes one to continue enjoying the health cover despite old age.
• Convenient possibility to add or delete family members during renewal.
• Flexibility to change your plan or increase sum insured depending on your rising requirements.

What is new in HDFC Ergo policies in 2025 and applicable in the renewing process?

Customers are now able to receive:

• AI-based self-tests to verify health risks, as well as plan recommendation during the renewal.
• Personalised wellness enhancements that enable diminished premiums to keep healthily living policyholders, which can be monitored through the Health Jinn application.
• Special prices to the elderly people and incentives to the policyholders who have renewed their policies more than five consecutive years.
• eKYC Paperless work flows decreasing the total time involved.

Other questions are asked by people:

When do I have to renew the HDFC Ergo policy before it expires?

To ensure you do not have any coverage lapses and you enjoy early-bird renewal benefits, renounce at least 15-30 days before expiry of the policy.

What are the Advantages of Timely Renewal HDFC Ergo Health Insurance?

What makes timely renewal of customers in India significant to the customer in the year 2015?

On time renewal has multiple benefit:

• Continuous health cover whereby the hospitalisation or diseases are always covered.
• Other tax incentives in section 80D Income tax Act.
• There is no rewind of waiting periods in case of pre-existing illness or in case of specific coverage provisions.
• Hassle-free, no new documentations required, no need to undergo medical examination just in case of renewing within the grace period.

Provided your policy lapses, you may lose any accrued no-claim bonus, and even have to get re-entered to the process of medical underwriting.

Expert Insight: According to reports on the medical insurance market, the number of policyholders who failed to use NCB in 2024 because of late or missed renewals amounted to 18 percent. One of the reasons why financial planners highly urge to have a yearly reminder to ensure that health insurance is renewed in time.

What is the way to Check Due Date and Premiums?

How can the customers access easily the status of their policy expiry and renewal in the year 2025?

Looking at your hdfc ergo policy status and due premium can be done easily:

• Register on the HDFC Ergo Web site or on the app.
• Visit the ‘My Policy’ section to see your policy validity and renewal date.
• To get immediate information, you can enter your policy number in the HDFC Ergo renewal page.
• It also sets emails or SMS before vacation marking 30 days before expiry.
• In case you are not sure, you can just dial HDFC Ergo customer care, give your policy number and find your renewal information immediately.

Other questions are asked by people:

But what happens when the renewal premium is increased over last year?

The premiums may increase as a result of an increase in age brackets, or improvement in benefits, increase in sum insured, or regulatory changes.

Can you change your policy during renewal?

Can you switch your cover or include members in your family when renewing HDFC Ergo?

Yes, this is renewal time and it is best to check and tailor your health plan. You can:

• Increase your resources of sum insured with a change in health or family requirements.
• Opt for family floater plans by including your spouse, children or even have dependent parents.
• Choose new riders such as maternity cover, critical illness or daily hospital cash.
• Cancel those drop riders that you do not need, and this could bring your renewal premium down.

Only ensure that you verify the terms of the policy because some of the add-ons come with other waiting periods despite renewal.

Here is a fact you might not know! In 2025, nearly 30 percent of HDFC Ergo health insurance customers add at least one new family member or rider at renewal.[1]

What will happen in case of missing the renewal deadline?

Does health insurance have a grace period during renewal? What happens as a result of lapse?

HDFC Ergo offers a grace period of thirty days on expiry of the policy without losing benefits. In this time, paying the premium will keep your policy in force and the cover will still be maintained.

Unless renewed prior to expiry of the grace period:

• Your cover expires and any bonuses or the waiting period credits are void.
• You might need to purchase a new policy, and that would be accompanied by new waiting periods and medical underwriting.
• The lapse period will not cover any unplanned hospitalisations.

Other questions are asked by people:

Do I have the option of renewing HDFC Ergo health insurance beyond the grace period?

No, after grace period expires the policy is lapsed. You have to purchase a new policy and take new checks.

How Do I Pay Renewal in 2025?

What should be done to enable customers to pay the renewal premium safely?

The renewal through HDFC Ergo facilitates many modes of safe or offline payment, as well as in digital format:

• Net banking, UPI, credit card, and debit card payment through a Web-site or application.
• Mobile wallets such as Paytm, google pay, PhonePe.
• ECS or automatic yearly renewal standing instructions.
• Insurance advisors or branch payment in cash and cheques.

The premium receipts and policy documents in electronic format are immediately sent to you.

Expert Insight: Accidental lapse in health insurance coverage may be prevented by using auto-pay or ECS.

Is it possible to renew HDFC Ergo Health Insurance offline?

Is it still possible to renew branches or renew agents?

Absolutely. HDFC Ergo still helps offline renewal to customers who want to talk to someone in person even twenty years later:

• Walk into any branch of HDFC Ergo and make payment using cash, cheque or card with your policy information at hand.
• Ask your insurance advisor to assist you in policy renewal and receiving premiums at the time that is convenient to you.
• On the spot receipt of printed policy renewal certificates.

Other questions are asked by people:

Which are the documents to be filled in order to renew?

Offline renewals normally need/ require policy copy, ID proof, and past premium receipt.

Renewal in HDFC Ergo Health Insurance vs Purchasing a new one

Is it always necessary to renew or go to a different insurance company?

Renewal is easy and will not take away all previous benefits, but you might want to switch in case:

• In 2025 you discover you can get dramatically improved coverage, or better priced premiums with another provider.
• HDFC ergo will not renew if there are issues regarding claim history or age.
• Your future is no longer defined by your needs and your plan is not flexible.

Comparison Table: Renewal vs New Health Insurance Policy (2025)

Here is a fact you might not know! Based on the latest survey figures, more than 85 percent of clients in 2025 expect to renew with the same insurance provider unless they constantly face service problems.

What are the advantages and disadvantages of HDFC Ergo health insurance policy renewal?

Comprehensible sight of perception before you make decisions

Pros

• No claim bonus retention implies a low premium or increment in cover with any year without a claim.
• Continuous policyholders do not need fresh medicals and paperwork.
• Upgrades that can be customised during renewal.
• Deduction on tax saving u/s 80D remains unaffected.
• Customers get benefits through wellness and house-loyalty rewards upon frequent renewals.

Cons

• At renewal, premium may increase because of inflation of a claim or age.
• Failure to meet the deadline means loss of all the benefits and wait periods.
• It is possible to have some new add-ons that can allow a waiting period to start.

What If You Wish to Port Your HDFC Ergo Health Insurance?

Will the customers be able to transfer at renewal to a new insurer?

Yes, the policyholders are permitted to port or transfer their current HDFC Ergo health insurance to any other insurance companies at renewal but with credit on the waiting period and no claim bonuses. They are:

• You have to submit your application to the new insurer at least 45 days prior to the expiry of HDFC Ergo policy.
• Submit the necessary papers and release.
• Confirm porting in 15 days of the application.
• Ensure that you apply within the required time window; you otherwise stand a chance of being rejected.

Expert Insight: Policies can be ported at the time of renewal and this gives the flexibility, however, features, network hospitals and terms of renewal need to be checked and this should be taken up at the time of renewal.

Notable points of HDFC Ergo Health Insurance Renewal in 2025

• Effortless online and off-line renewal In details
• Expiry notifications and reminders on the registered contacts details
• Customer care and 24/7 grievance redressal through call, chat or email
• New AI wellness tools to assist customers to opt for even more suitable plan match-ups when it’s time to renew
• Good loyalty and wellness renewal incentives

HDFC Ergo Health Insurance, Insurance Policy, 2025 HDFC Ergo Health Insurance Renewal Quick Summary

• Renewal ensures a continued protection and preservation of advantages.
• The available options on online, offline, and mobile apps are convenient and easy.
• Early renewals to gain advantage, prevent lapse and increase in costs
• Review your coverage every year so as to keep pace with your evolving needs.
• Discover loyalty rewards, new add-ons and no claim bonuses annually.

People Also Ask (FAQs)

What is the procedure of renewing HDFC Ergo health insurance in case I lost my policy number?

In case you have misplaced your policy number you may contact HDFC Ergo customer care. Using your registered phone number or email retrieve your policy details and renew it.

What would happen to me should I be hospitalised and my policy renewed when hospitalised?

In case you renew your policy prior to the expiry, you will cover your hospitalisation. The simple breakdown in the coverage can be because of a single day and therefore good timing when it comes to renewing is important.

Is it possible to get a high rate discount on early renewal?

In some instances, early renewal or loyalty discounts are issued by the HDFC Ergo in case of prompt payers. See what it will be offering in 2025 by seeing their offers page when you renew your contract.

Are the premium rates always inflated during renewal?

The premiums may get higher based on age, due to increase in sum insured, or the previous claim history but in some cases it may not change because the policy holder is not very unhealthy.

Will Aadhaar be required to renew the HDFC Ergo health insurance in 2025?

Aadhaar is optional where it can be used in a paperless and more convenient eKYC.

Source:

[1] HDFC Ergo Official Website and 2025 Product Brochures
[2] https://www.hdfcergo.com
[3] IRDAI Health Insurance Guidelines 2025
[4] https://www.policybazaar.com
[5] https://www.rakshakinsure.com/hdfc-ergo-health-insurance-renewal-process/