I recently lost my original insurance policy. What is the process to obtain a deiplicate policy copy?
Hi we had recently lost our policy two insurance copies plz us to get duplicate copy
How can I cancel policy online?
What is zero depreciation in car insurance?
By the way, after a lot of statistical research and data crunching, your zero depreciation premium depends on 3 main factors:
How can I check my policy claim status online?
You can log on to insurance company website and enter the details of your insurance policy.
What is a Personal accident?
Personal Accident is to protect ourself from unforeseen and unexpected instances
What is the claim procedure under Motor Insurance?
First, check the nearest network garage:
Sources For Intimation of Claim:1. Online registration of Claim: https://www.hdfcergo.com/customer-care/claim-intimation.html2. Call the Toll free: 24x7 customer helpline number 1800 2700 700 (Accessible from India only) and get your claim number.3. IPO Insurance Portfolio Organiser: HDFC ERGO Mobile App. Download from here: https://www.hdfcergo.com/MobileAppsDownloadPopUp.aspx?type=android
You can opt for any of these :
1. Cashless Claim Procedure: Where the garage and HDFC ERGO have tie up. where you have peace of mind by not paying a huge amount to the garage.
2. Reimbursement Claim Process: If due to some reason you don't end up in Network garage then you can fix your vehicle from the non-network garage and get your bills reimbursed later.
Don't delay in registering the claim. If you are late they will ask for the reason of delay which should be reasonable.
Some basic terms used while calculating claim i.e. what makes up the claim amount.
The Repair and replacement costs, less the depreciation value.
Insurers have provided some additional coverages like a topping on an ice cream, which stops excessive deductions from claim amount like zero dep.
There are two ways to make claim under a Health Insurance Policy: on cashless basis and on a reimbursement basis. In simple terms, for making a claim on cashless basis, the treatment must be done only at a network hospital of the insurance company servicing your policy. For availing the treatment, you would have to first seek an authorization as per the procedures laid down and in the prescribed form. In case of claims on reimbursement basis, the insurance company has to be informed as per their prescribed procedures. The policyholder has to ensure that documents such as claim form, discharge summary, prescriptions and bills to be submitted for reimbursement claim are obtained after hospitalization.
Cashless Service: Seeking Pre-Authorization
Complete the pre-authorization form available at the hospital's insurance/TPA Desk. Send the completed form via email or fax. Approved letter will be sent by the claim management team. Remember that the claim management team could send an inquiry to the hospital or you before authorization. In case the authorization is rejected, initiate the treatment and file claim for reimbursement.
Reimbursement Claim: Claim Submission
Complete the necessary form and submit along with required documents, as per the policy terms and conditions. Necessary documents include discharge summary, prescriptions, bills etc. Approved letter will be sent by the claim management team. Remember that you will be answerable to any queries raised by the claim management team before the letter is issued. In case the claim is rejected, the reasons will be communicated by the team. In case of any emergencies, you need to inform the insurance company within 24 hours of the admission. In case of planned emergencies, the notification has to reach the company 48 hours prior to the hospitalization.
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please send me my policy its verry urgent
policy no ; 2311202194159200000
email : email@example.com
send me on this mail id
i want my policy copy my policy no is : 2311202194159200000
mail : firstname.lastname@example.org
send me this mail id
My self Manoj KumarMy policy no is-2312202376563100000Please send me policy copy on my mail
HDFC ERGO General Insurance Company Limited