Tell us what newer covers you would like to have in your health insurance policies

[Prabhakar47]

In health insurance policy, dental treatment should be included.

[kmangapati]

Can be insured for any kind of new biological virus disease like COVID 19.

This will have a huge impact on the person thinking of taking a new insurance

[hdfc@pthealth]

needed OPD expenses fully cover with peridic checking expenses

[Ace Venture]

I would like to see an Optional Rider in Optima Secure and Optima Super Secure, viz:

"No Room Rent Capping till ₹ 50 Lakhs Sum Insured, on payment of additional 10% premium"

[puneet@creambell.com]

In My opinion HDFC Ergo must provide Free health check up offers for whole family once in an year

[pkbhardwaj_0108]

Sir, there is a better service of HDFC ERGO regarding vehicle policies. I want to suggest that there should be some extra activities for regular policy holder of this organisation like free Annual health check of family if possible and a free eye check up test for old citizens.
Thanks & regards
Pawan Kumar

[ManpreetSingh]

Dear HDFC ERGO, 

Greetings for the day. 

There are some benefits that should be added by default in our all Health Insurance Products/Policies as per the other companies giving to their customers in present time.

1. Health check-up benefits should be available from first year with CASHLLESS facility – Care (Religiare) Health Insurance is giving same to their customers.
2. All Non Payable/Consumable Items should be covered in every IPD Claim by default without any extra rider/payment.
3. Eye laser treatment should be covered in policies with some limit.
4. Dental treatment should be covered in policies with some limit.
5. Death Claim Benefits should be added in Health Policies – for that customers who has never taken any claim (should be applicable after minimum 7/10 years of continuously premium paid & if there is no single IPD Claim of the customer till their death).  

Customers pay premium to Insurance Company from their hard earned money. 80% of the customers come from middle class.

Now question is what customer’s nominee should get in Death Claim Benefit?

Answer: At least half of the total premium amount paid in last 7/10 years - should be refund. (Rest Product/Policy Design Team or Top Management can best decide/judge what Nominee should get under Death claim Benefit – if Nominee files the claim.)

Most of the people of our country is living in now only hand to mouth situation after this COVID Pandemic.

We all should live for Humanity....Not for Money....!!

Thanks & Regards,

Your’s Well-wisher,

~Manpreet Singh

9717072442

[Sunita Avasare]

I would like to mental health as newer cover

[Karunakaran]

Charges for vaccination (all doses plus top up or super doses, if any) and any kind of new biological virus disease just like COVID 19 or it's variants. 

[praveen_pinto@hotmail.com]

Disability Insurance. The country doesn't take disability seriously. What if a person meets with an accident and loses his hands and hence cant work or falls sick and is disabled e.g. has a stroke and is paralysed, or has a CNS disorder like Alzheimers/Parkinsons or some other disorder like sclerosis or goes blind. He doesn't get life insurance SA as he is not dead. He doesnt get his accident insurance as he isnt dead. And his health insurance wont cover most of the other diseases. He still has to support his family and himself and maintain his standard of living. Disability insurance is a must in addition to Life and Health and Accident insurance.