Rule-based extraction · Tuned for HDFC ERGO

Decode your HDFC ERGO policy

Drop a HDFC ERGO General InsurancePDF — health, family floater, top-up, whatever you have. PolicyPlain's extractor reads the actual wording and surfaces the parts that decide whether you get paid at claim time. Works on policies like Optima Secure / Health Suraksha.

Upload my HDFC ERGO PDF →See a sample analysis

No signup · No storage · No OCR · No LLM in the critical path

Trust at a glance

HDFC ERGO — IRDAI FY 2024-25

Verified

Claim Settlement Ratio: 97.37%
Incurred Claim Ratio: 84.85%
Complaints / 10,000 claims: 15
Network hospitals: 13,000

Source: IRDAI Annual Report FY 2024-25 · UIN 146PolicyPlain earns no commission · numbers shown verbatim

What PolicyPlain extracts from a HDFC ERGO PDF

Every clause that quietly shrinks your payout

Waiting period

Initial 30-day cover gap, pre-existing disease wait (often 24-48 months on HDFC ERGO retail plans), specified-disease list, maternity, critical-illness gates — surfaced as a single table.

Room-rent cap

The single clause that shrinks claims more than any other. We extract both rupee caps and percentage-of-sum-insured caps and call out the proportionate-deduction trap that follows.

Sub-limits

ICU per-day caps, disease-wise sub-limits (cataract per eye, knee replacement per joint, maternity per delivery), modern-treatment percentage caps (robotic, immunotherapy, oral chemo).

Co-payment

Flat-percentage co-pay and age-triggered co-pay slabs — common on HDFC ERGO senior-citizen products — extracted with the trigger age so you know when the haircut kicks in.

Exclusions

Cosmetic, dental, infertility, non-allopathic, hazardous sports, geographic limits — both the standard IRDAI baseline list and any insurer-specific carve-outs from the permanent exclusions section.

Claim process

Notification window, cashless vs reimbursement steps, document checklist, submission deadlines and the IRDAI-mandated 30-working-day insurer turnaround — in the order you'll need them.

HDFC ERGO — what to watch for

Modern-treatment percentage caps (robotic surgery, immunotherapy) and a precise 'hospital' definition that excludes many small nursing homes.

Decode your HDFC ERGO policy in 30 seconds

Drop the PDF — we'll pull every clause that matters into one plain-English page. No signup, no payment, no storage.

Upload HDFC ERGO PDF →

HDFC ERGO policy decoder — common questions

What does PolicyPlain extract from a HDFC ERGO policy PDF?▾

Policy type and sum insured, premium frequency, every detectable waiting period (initial / pre-existing / specified diseases / maternity / critical illness), exclusions, the step-by-step claim process, and the trap clauses that hurt payouts most — room-rent caps, ICU sub-limits, co-payment percentages, disease-wise sub-limits and similar fine print specific to HDFC ERGO.

Is the extraction AI-based?▾

No. PolicyPlain uses a deterministic, rule-based extractor tuned against the actual phrasings Indian insurers use. There are no paid LLM calls in the critical path. If an optional polish key is configured, an open-model rewrite tidies the plain-English summary — but every fact you see comes from the policy text via rules.

Does HDFC ERGO support cashless hospitalisation?▾

Generally yes, but cashless cover at HDFC ERGO is usually tied to either an empanelled network or a Preferred Provider Network (PPN). PolicyPlain flags the specific clause in your PDF so you know whether your hospital qualifies — and whether the alternative reimbursement path adds delays or deductions.

Is my PDF stored anywhere?▾

No. The file is parsed in-memory on the worker and discarded immediately. The structured summary lives only in your browser session (sessionStorage) or inside the share-link's URL hash fragment — which never reaches our server. We do not run an OCR or AI model on your data.

Insurers we support

PolicyPlain has insurer-specific rules tuned for:

Star Health HDFC ERGO Niva Bupa Care Bajaj Allianz Tata AIG ICICI Lombard ManipalCigna Future Generali SBI General

Don't see your insurer? The generic extractor still covers IRDAI baseline structure — give it a try.