Page 46 - The Insurance Times October 2021

who are undergoing treatment that requires regular or instance, you may have to pay an additional Rs. 5,000 to
frequent OPD visits. However, you must also understand that 8,000 to get an OPD cover of Rs. 10,000-15,000 sum insured.
the terms and conditions of OPD treatment vary from policy Besides, the OPD cover comes with a deductible. Hence, given
to policy and from insurer to insurer. For instance, some that the covers are usually priced at 70-80% of the maximum
policies may provide cover for vaccinations, while others may claim, and the claim process can be cumbersome, getting an
restrict you from using specific chemists. OPD cover may not be very valuable.

Goel said, “It is not suggested to include OPD cover in a health “Since OPD charges fall on a high side of cost and are frequent,
insurance policy, as OPD requires a limited cost involvement OPD coverage makes a health insurance plan relatively
which a policyholder can easily afford. However, in case a expensive. While a normal health insurance policy premium
person has any pre-existing disease, which demands a regular comes around Rs. 12,000 at best, the same policy would come
doctor consultation, suffering from chronic diseases, having for Rs. 48,000 for Rs. 50,000 OPD coverage," said Goel. He
low immunity, and higher prone to vector-borne diseases, added that although the OPD cover comes with a set of
then a policyholder can opt for an OPD cover to get financial valuable benefits, one must understand that the price of such
support from his regular health insurance." coverage might be on the higher end compared with the
regular health policy premium. Hence, one must analyze self
However, the premiums of policies covering OPD treatment and the family usage of primary healthcare to figure out
are a bit higher compared with those that do not cover. For whether this plan is beneficial or not. T
PRESS RELEASE

Commemorating the Hindi Divas HDFC ERGO Launches its Website

in Hindi Language

HDFC ERGO General Insurance, India’s leading non-life insurance company in the private sector, announced the launch its
full-fledged Hindi website on Tuesday, September 14th, 2021 to commemorate the Hindi Day 2021 (Hindi Bhasha Divas).
With this, HDFC ERGO General Insurance has entered the league of a few brands offering a bi-lingual website (English &
Hindi).

A digital-first Company, HDFC ERGO has always focused on digitally enabling consumers across the country and ensuring
their services are made easily available & understandable. According to a report published by KPMG, 521 million speakers
use Hindi as their primary language and 39% use the language while accessing the internet. Therefore, the content of the
website has been made available in Hindi, to ensure the majority of the country’s population can understand and access
their products and services with ease.

Speaking about the launch of the website in Hindi, Mr. Mehmood Mansoori, President, Shared Services & Online Businesses
said, “We have seen great adoption of digital self-service by our customers’ with 60% requests being serviced digitally. Our
focus now is to reach out and service more and more customers’ digitally in tier2 and tier 3 cities. Making content
available in regional languages is another step in this direction. Soon our website will be available in other languages too.
To cater to Tier 2 & 3 cities and towns digitally, we had launched host of our services on Whatsapp & Telegram, and we
have seen great adoption of these platform, especially in these markets. Soon, we shall make services available in Hindi
and other regional languages on these chat platforms too.”

The company is hopeful that this will not only help consumers’ in better understanding their products &services, but will
also aid in creating heightened awareness and knowledge about insurance. Consumer can simply logon to
www.hdfcergo.com/hindiml to access the website in Hindi. The services on WhatsApp too, will also be offered in Hindi
soon for the consumer. In the next few months HDFC ERGO’s website & WhatsApp services will be made available in more
regional Indian languages catering to the vast multi-lingual Indian population and further better the customer service
experience.

46 The Insurance Times, October 2021