🚀 Fincover® App is Now Live!
Join 10 Million+ users on web – now available on mobile!
Last updated on: May 20, 2025
The key pain points associated with choosing 1 crore health insurance in India for 2025 include justifying the high sum insured, understanding the layered policy structure, and ensuring inclusion of global and specialized treatment benefits. The featured 1 Crore Health Insurance in India effectively addresses these issues by offering all-inclusive coverage for high-cost treatments, international medical care, critical illnesses, and long-term hospitalization. It is ideal for HNIs, business owners, and families seeking top-tier medical protection without financial limits. The platform enhances user clarity with transparent breakdowns, AI-driven customization based on lifestyle and risk exposure, and expert guidance to ensure maximum return on investment and seamless claims experience.
Author
Read Bio
Reviewed by
Read BioNever has health insurance been an option anymore and particularly as the cost of hospitalisation and drugs becomes extremely high in India, every family in India has to have health insurance. HDFC Ergo Health Insurance is also highly recognized due to its comprehensive cover policies, quick settlement of claims and the large number of hospital network. However, the acquisition of a health policy is not the only requirement, you need to renew it each year so that you can continue benefiting.
Renewal makes your policy effective. Otherwise, lack of renewal precludes you of insurance coverage, makes you burdensome with the waiting periods, and exposes you to fresh health conditions that may not even pass the inspection. HDFC Ergo has ensured that health insurance renewal can be made easily online, and almost effortlessly by 2025. The digital procedure saves time, paperless and would allow the policy holders to track their coverage without second guessing.
It is an easy task to renew your health insurance via HDFC Ergo online. It does not matter whether you have a personal health plan, family floater, critical illness coverage or any other type of insurance as it can all be handled digitally.
The process barely takes 5-10 minutes and can even be done through HDFC Ergo’s mobile app.
Does HDFC Ergo have a grace period Health insurance renewal?
Yes, HDFC normally has a 30 days period of grace of renewing but you remain uncovered of any claim during the period.
I have an early renewal, can I renew my policy?
Yes, normally you can renew it up to 60 days ahead of the policy expiry.
The fact is that…
Online renewal provides the benefit of immediate issuance of a policy without delays and documentation which keeps you secure against accidental lapse of the policy.
In the future (2025), most of the policyholders would prefer using a digital renewal owing to the flexibility and convenience associated with it.
Do I have a possibility to change my coverage when renewed?
Yes, in online renewal, you have the facility to add and check sum insured, include or exclude family members, and choose riders depending on the requirement.
Does the premium renew?
The age, medical inflation, coverage enhancement, claim history may alter what is paid as a premium.
Expert Insight
Online health insurance renewal typically includes exclusive digital only discounts, or preferred rates as compared to offline renewals in 2025.
A time to renew is also an opportunity to improve your policy or rectify any previous errors. There are several features which can be considered prior to renewal.
The fact is that…
Most HDFC Ergo plans enable online enrolment to wellness schemes and reward points that would counter the following year premium in 2025.
Is it possible to obtain a bigger sum insured during renewal?
Yes, provided your cover is underwritten and with increased premiums, you can improve during the renewal process.
HDFC Ergo policies have modern characteristics and are strong, flexible, and credible within the context of the health insurance fraternity of lakhs of Indians.
Expert Insight
The HDFC Ergo has new policies where digital endorsements post-renewal is smooth and correcting and adding riders are almost done instantly.
Is there anything in the way of loyalty advantages at renewal?
True, renewal will come with rewards such as Enhanced No Claim Bonus, wellness benefits and priority claim settlement.
In 2025, a majority of the policyholders prefer to use online mode, though the understanding of the distinctions can guide your decision.
| Feature | On-line Renewal | Off-line Renewal |
|---|---|---|
| Time of processing | 5-10 minutes | 2-7 days |
| Methods of Payment | Cash, Cheque, Digital only | |
| Paperwork | No paperwork | Hard copies required |
| Flexibility | High, self serve | Dependent on agent |
| Policy Copy | Instant download | Delayed dispatch |
| Adaptations | Online availabilities | On demand, longer period |
| Customer Support | Email, calls, chat | Branch or Agent Visit |
| Discounting | Irregularly more | Less common |
The fact is that…
This is because, in 2025, policyowners renewing online with HDFC Ergo had a 42 percent less lapse as compared to offline agents.
Will there be an increased price of offline renewal?
Sometimes. There can be fewer digital discounts and intermediary fees of offline renewals.
Each of the methods has its advantages and certain limitations. So this is a fair assessment.
Expert Insight
The majority of the Indian customers want the hybrid system: to go online with renewal and call an agent to ask about the technical aspects or in case of insured members having new diseases.
What happens when renewal is not accomplished on the net?
He does not renew you in your policy. Enroll in another form of payment or simply repeat it. Stuck cases that are rare can assisted by customer care.
Sometimes life is crazy and you can forget a due date. It helps to know what is available.
Am I going to lose my waiting period status in the event my policy lapses?
Yes. Any discontinuous renewal implies that the waiting period begins once again with the purchase of a new policy.
The fact is that…
Dates to renew can be easily added in HDFC Ergo portal, app or even by syncing dates to your Google Calendar or any smartphone reminders.
Costs matter. You can also optimise your premium during renewal period.
What is No Claim Bonus?
Each year of being claim free would entitle you to larger sum insured or premium discount which caps up to a certain limit.
Expert Insight
In 2025, industry pundits will advise to review the benefit design after every two years so that your family will obtain optimal coverage at the lowest cost.
The online renewal process requires minimal documentation although they come in handy when one has information at hand.
Will I be required to undergo new medical tests on renewal?
They are usually not necessary except when you dramatically increase sum insured or when you report new health issues.
Most people renew coverage as a huge motivation that is involved with financial planning.
Yes. The premiums paid on behalf of self, the spouse, children and dependent parents to HDFC Ergo policies can be deducted under Section 80D up to the known limits in the FY 2025.
What is the limit of renewal of Section 80D deduction?
In the case of FY 2025, a maximum of 25,000 per year to individuals and 50,000 by the time of government announcement to senior citizens.
Is there any possibility to move my HDFC Ergo policy at expiration to a new company?
Yes, you have to make a portability request 45-60 days prior to the expiry.
Suppose I need to include new family members during renewal.
Spouse or dependent children can be added at the time of renewal on submission of the evidence and additional premium.
When will I receive my new policy copy once I have done online renewal?
Mostly in seconds to a few minutes, through an email or a downloaded application.
Will I qualify to claim tax benefit by paying premium to my parent who are senior citizens?
The answer is yes, upto the limit of Section 80D in favour of a parent coverage.
How do I view HDFC Ergo policy renewal?
Follow it on their web pages or call customer care and give them your policy details.
Does the premium increase on every renewal?
It can go up when you upgrade coverage or join a higher age slab or because of medical inflation.
Is it possible to renew in HDFC Ergo app?
Absolutely, mobile application gives complete renewal functions, reminders and download of policies.
To get the most updated information on HDFC Ergo Health Insurance Renewal Online, it is always advisable to go to the official HDFC Ergo site and the IRDAI policies.
How could we improve this article?
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
Loved by 1M+ users. Start your financial journey today!
