HDFC ERGO General Insurance Company Limited Insurance Reviews, Ratings, Best Plans and USPs

HDFC ERGO General Insurance Company Limited

HDFC ERGO is a joint venture between ERGO, which is the main insurance entity of the Munich Re Group of Germany, and HDFC Ltd.

This joint venture exists in the ratio of 51:49 respectively and is one of the largest private general insurers in India. The current market share of HDFC ERGO is 6.2% and it offers several products, including health, travel, motor, home, cyber, and personal insurance.

HDFC ERGO General Insurance Company Limited also provides insurance for retail spaces and customized products like liability, marine, and property insurance. One can also seek personalized insurance solutions for personal accidents and critical illnesses. Currently, it has a wide network of 203 branches which are further spread across 170 cities.

This exceptional organization was also conferred with the ICAI Award for Excellence in Financial Reporting in FY 2014 – 15. The organization received the same honor in 2015 – 16 as well. HDFC ERGO has a high claim paying ability and one can see this from the ‘iAAA’ rating given to the organization by ICRA.

The 2016 Best Customer Experience Award of the Year in the financial sector by KamiKaze was also bestowed on HDFC ERGO General Insurance. This award was a testament to the unparalleled customer service provided by the organization. You can also find several products in the domain of health insurance space on the HDFC ERGO General Insurance Company Limited website. There are also customized policies that are ideal for parents, senior citizens, individuals, and families.

    Prepare today for a relaxed and secure future.

    Check out the best health insurance plans here:

    Policy Type


    About HDFC ERGO General Insurance Company Limited

    When it comes to purchasing insurance, then HDFC ERGO General Insurance is an ideal choice because it provides several benefits to its policyholders. These benefits are mentioned below.

      High Claim Settlement Ratio
      In FY 2019 - 20, HDFC ERGO General Insurance had an impressive claim settlement ratio of 99.8%. This means that the organization was able to win the trust of more than 1 crore customers with its consistent, affordable, and easy insurance services
    • Around the Clock Customer Support
      The customer support team of HDFC ERGO General Insurance is available to help customers around the clock. The in-house team of the company provides a hassle-free claim experience to its customers in their hours of need
    • Excellent Track Record
      HDFC ERGO General Insurance has been fulfilling the insurance needs of its customers for the last 16 years. The team at HDFC ERGO is familiar with the market and understands the needs of its customers. This is one of the reasons why they have been able to provide exceptional customer service throughout the years
    • Wide Network
      The organization has a pan India presence with a large network of over 10,000 cashless hospitals, over 3,000 employees, and more than 120 branch offices
    • No Requirement of Medical Tests Up to 45 Years
      Anybody under the age of 45 years can take most of the health insurance plans offered by HDFC ERGO General Insurance without getting any medical tests done. This is an excellent feature as it saves time, money, and unnecessary medical checkups
    • Free Health Check-Up after Renewal
      All policyholders of HDFC ERGO health insurance plans can get a free health check-up done within 60 days of renewing their policy with the company
    • Lack of Entry Age Restrictions
      Anybody over the age of 18 years can purchase HDFC ERGO General insurance health plans
    • Lifetime Renewability Feature
      All HDFC ERGO health insurance plans come with a lifetime renewability feature. This means that a customer is not required to exit from an insurance policy if he or she does not wish to do that

    One can easily find a lot of insurance policies rolled out by HDFC ERGO General Insurance. These policies can be found both online and offline. According to the official reports, the revenue generated by HDFC ERGO General Insurance is 47% of the total business revenue of HDFC Ltd. Further, the total market share of HDFC ERGO General Insurance has increased from a total of 1.1% in 2008 - 2009 to 4% in 2013 - 2014.

    Currently, HDFC ERGO General Insurance is the fourth largest private general online insurance company in India. The GWP of HDFC ERGO in 2014 - 2015 was INR 3,257 crores and the NWP was INR 1,778.4. In the same year, the organization maintained a 4% market share and has a registered growth rate of 9.5%. The organization also does not have any plans to stop and is continuously aiming for higher quality services.

    There are also several positive customer reviews that one can find online. Some of those reviews are:

    Competitively Priced Health Plans 5/5 Sachari Roy

    HDFC ERGO deserves five out of five stars for its competitive prices and zeal to help all people. Before I issued my Health Women Suraksha Policy, I conducted thorough online research on all options available. After that, I was extremely impressed by the coverage and insured sum provided by HDFC ERGO at such a reasonable premium.

    Three-Step Policy Insurance 5/5 Tandrima Kashyap

    In just a few easy steps I was able to purchase the Dengue Care Policy provided by HDFC ERGO General Insurance. I saw a lot of quotes from people in my family and my friends. But I couldn’t find any organization providing a better offer than HDFC ERGO. I was amazed at how easy it was to get the policy.

    Quick Generation of Quotes 5/5 Sandeep Diwedi

    I generated a lot of quotes to see what policy would suit me. I ended up buying the Easy Health Policy offered by HDFC ERGO. All I needed to do to get the insurance was fill up some basic details and submit only a few documents. Never knew that getting insurance can be so easy!

    Pocket-Friendly Policies 5/5 Harshika Mathur

    Most policies provided by HDFC ERGO General Insurance are budget-friendly. This allows a lot of customers coming from varied socioeconomic backgrounds to buy their policies. Thankfully, the premium rate also does not have any impact on the benefits or coverage offered in the policy. I currently have the My Health Suraksha policy by HDFC ERGO General Insurance.

    HDFC ERGO General Insurance offers a large variety of insurance products. These products are listed below.

    HDFC ERGO Car Insurance Policy

    The HDFC ERGO car insurance policy protects an individual’s car from a number of different risks that a car can be exposed to when it is on the road. This comprehensive plan offers third-party coverage of up to 7.5 lakhs. The claim ratio of this policy is around 90.35%. Further, HDFC ERGO has a wide network of over 6,800 garages located all across India. Beyond the basic coverage of damages to the car, other benefits provided through this policy are:

    • Return to Invoice
    • Zero depreciation coverage
    • No claim bonus protection
    • Emergency assistance
    • Roadside assistance
    • Gearbox and engine protection cover

    HDFC ERGO Commercial Insurance Policy

    HDFC ERGO also provides cost-effective and transparent travel insurance plans that include extensive coverage for commercial vehicles. The insurance for commercial vehicles covers any financial losses that can arise from damage or accidents caused to non-personal vehicles.

    It is also advised that businesses should invest in commercial vehicle insurance plans. The logic behind this advice is simple because all vehicles perform several strenuous tasks like covering miles in a day, covering rough terrains, loading goods, and unloading goods.

    The commercial vehicle insurance policy provided by HDFC ERGO has a cashless claim facility of more than 6800 garages from all across the country. The covered damages can be caused due to accidental fire, theft, terrorism, explosion, or lightning to name just a few. Other benefits of investing in a commercial vehicle insurance plan are:

    • Ambulance services
    • Reimbursement of towing changes of INR 750, INR 1500, or INR 2500. The exact amount of reimbursement depends on the type of vehicle owned by the policyholder

    HDFC ERGO Health Insurance Policy

    It is a good idea to invest in a health insurance plan with comprehensive coverage. It would help one to take care of his or her health-related needs without having to worry about finances. In most cases, HDFC ERGO health insurance policy plans cover two adults in case of a family without kids, two adults and one child in case of a family with one kid, and two adults and two children in case of a family with two kids.

    There are seven different types of HDFC ERGO health insurance policies or plans. These types of plans are:

    • My Health Suraksha Plan

    This health insurance plan by HDFC ERGO General Insurance is designed in a manner that protects the policyholders against any rising medical expenses. The main features of the plans include a choice of sum insured levels, which range from INR 3 lakhs to INR 75 lakhs, lifetime renewal, any age entry option, recovery benefits, air ambulance cover, infertility cover, fitness discount at renewal, and health incentives for maintaining good health.

    There are also attractive premium rates with long-term policy options of up to 3 years, the choice to pay the yearly premium in three, six, and twelve equal installments, room rent capping, co-pay to avail discounts on premium, family discounts, long term policy discounts, and loyalty discounts.

    • Critical Illness Insurance Policy

    The critical illness insurance policy plan specifically covers critical illnesses with an assured sum of INR 2.5 lakhs to INR 10 lakhs. This plan also offers several features including cashless hospitalization, easy claim settlement, and pre and post-hospitalization coverage.

    • Critical Illness Platinum Insurance Policy

    The critical illness platinum insurance policy comes with an assured sum of INR 2 lakhs to INR 10 lakhs. The policy covers 15 different types of critical illnesses. The main feature that distinguishes this plan from the critical insurance plan is that this policy compensates for all income lost by the policyholder when it comes to the treatment.

    • HDFC ERGO Two Wheeler Insurance Policy

    In the domain of motor insurance, HDFC ERGO is a very common name. The organization provides cost-effective insurance plans to two wheelers. It in a way makes it safer to ride a bike and convenient for the owner to own a bike. These plans cover all possible risks to a two wheeler vehicle.

    On top of all this, all these plans are easily available online at highly competitive prices. The HDFC ERGO two wheeler insurance policy also protects against accidental damages and a personal cover of INR 1 lakh for the owner of the vehicle. The organization also gives around-the-clock support to the owner of the vehicle.

    For this policy, there is zero documentation required and a very transparent claim settlement process. There are also some exclusions in this policy. These exclusions are:

    • Mechanical failure or breakdown
    • Damage or loss outside the country or during a nuclear war
    • General wear and tear
    • Damaged caused to the vehicle while driving without a license
    • Depreciation
    • Damage to the vehicle caused by an individual who was driving under the influence of alcohol or drugs

    HDFC ERGO Travel Insurance Policy

    Traveling is often described as the one thing that an individual can do to bring peace to his or her soul and gain wealthy experience. Traveling can consist of making wonderful memories that an individual ends up cherishing for the rest of his or her life. However, what if something bad happened in a location that an individual is not familiar with? To avoid such issues, it is always a good idea to get travel insurance.

    HDFC ERGO travel insurance policy consists of comprehensive coverage of all possible risks that one can experience when traveling abroad. Under this policy, the following things are covered.

    • Medical expenses
    • Trip cancellation charges
    • The loss experienced due to damage or loss of goods

    HDFC ERGO travel policy is extremely cost-effective as it provides an option to pay per day. This means that the policyholder only has to pay for the days that he or she is staying abroad. One can also access real-time assistance in regards to the policy on the official website. One can also buy this policy online.

    HDFC ERGO Personal Accident Policy

    Life is full of uncertainties and one doesn’t often know what he or she might have to face next. This is why it is a good idea to invest in HDFC ERGO personal accident policy. This policy aims to take care of the policyholder and his or her loved ones in their time of need.

    The policy provides financial assistance to the policyholder’s family in case of permanent disability, temporary disability, or death of the policyholder. The sum assured of this policy can range from INR 2.5 lakhs to INR 15 lakhs. The sum received is subject to the injury that was caused to the policyholder.

    The HDFC ERGO personal accident policy can be purchased by anyone under the age of 65. There are also no boundary limits associated with this policy. The organization further offers a family coverage plan within the same policy.

    HDFC ERGO Home Insurance Policy

    Investing in a house is a big undertaking because one also signs up to protect that house. One way to do that is by purchasing an HDFC ERGO home insurance policy. This policy protects the house against all possible damages and calamities.

    HDFC ERGO home insurance policy provides a unique insurance plan that covers the structure as well as the components present inside the home for up to a total of 5 years. All of this is available at a very affordable premium.

    The policy plan also covers risks that are related to fire, burglary, explosion, lightning, flood, or implosion. An extra discount of up to 25% is also offered for getting security features installed in the house. The process of purchasing this policy is completely hassle-free as the documentation requirement is negligible.

    There are two plans that fall under this policy. The first plan contains coverage against fire and other perils that can befall a building or its contents. The second plan includes damages caused to the house and its content due to housebreaking and burglary.

    Best Policies of Brand

    HDFC ERGO General Insurance is very popular when it comes to providing health insurance plans to its customers. The best policies of this brand in the current market are mentioned below.


    Unique Features


    HDFC ERGO My Health Suraksha Plan

    • Comprehensive health insurance plan
    • Available on an individual and floater basis
    • Lifetime renewability
    • Tenure of 1 year and 2 years
    • Additional benefits of a cumulative bonus as a reward in case of no claims made during the policy period
    • Expenses for an inpatient hospitalization, pre-hospitalization, and post-hospitalization
    • Day care procedures
    • Domiciliary treatment
    • Organ donor charges
    • Emergency ambulance
    • AYUSH treatments
    • Health check-ups

    HDFC ERGO Critical Illness Insurance Plan

    • Critical illness health insurance plan
    • The plan is available in two variants
    • No medical check-ups required if the policyholder is up to the age of 45 years
    • Lifetime renewability
    • Covers up to 15 critical illnesses like stroke, cancer, heart attack, kidney failure, and paralysis

    HDFC ERGO My Health Medisure Super Top-up Plan

    • Provides enough cushion coverage in case the existing plan is not able to meet all the health costs incurred
    • Gets rid of the limitations placed on the policyholder by the existing health insurance plan
    • Inpatient hospitalization
    • Pre-hospitalization
    • Post-hospitalization
    • Charges of day care procedures

    HDFC ERGO My Health Women Suraksha Plan

    • This plan is available in three variants of Women Cancer Plus Plan, Women CI Essential Plan, and Women CI Comprehensive Plan
    • In case of coverage for pregnancy and newborn complications, the sum is covered to the extent of 25% of the sum insured. And the maximum limit to this sum covered is INR 5 lakh
    • Provides 50% of monthly salary for up to 6 months in case of loss of job
    • Coverage for cancer treatment
    • Major illnesses
    • Preventive health check-ups
    • Health and wellness coach
    • Surgical procedures
    • Cardiac procedures
    • Cardiac ailments
    • Pregnancy
    • Newborn complications

    HDFC ERGO My Health Medisure Classic Insurance Plan

    • No entry age restriction
    • Also provides complete cover for children of policyholder till the age of 23 years
    • Inpatient hospitalization
    • Pre-hospitalization
    • Post-hospitalization charges
    • Day care procedure expenses
    • Maternity coverage
    • Newborn baby cover
    • Ayurvedic treatment coverage
    • Pre-existing disease treatment post 3 years

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    HDFC Ergo FAQs

    1. What kind of policies can I get online from HDFC ERGO General Insurance Company?

    There are different types of policies that are provided by HDFC ERGO General Insurance Company to its customers. Those types of policies are mentioned below.
    HDFC ERGO car insurance policy
    HDFC ERGO commercial insurance policy
    HDFC ERGO liability only policy
    HDFC ERGO two wheeler insurance policy
    HDFC ERGO travel insurance policy
    HDFC ERGO personal accident policy
    HDFC ERGO home insurance policy

    2. How can I renew my HDFC Ergo General Insurance policy online?

    Renewing your HDFC Ergo General Insurance policies online is now easier than ever. All you need to do is visit and click on the option of ‘Instant Renewal’ on the website. Enter all the policy details required and your premium value.
    You can also add covers to your policy for enhancing the coverage of your current policy. Once everything is done, then make the payment, and you are done! Your HDFC ERGO insurance policy is renewed.

    3. How can I get reimbursement for pre-hospitalization and post-hospitalization charged under my HDFC ERGO scheme?

    To get reimbursement for pre-hospitalization and post-hospitalization charges, you need to present the bill along with the duly filled forms of the claim to the insurer. After a proper inspection, the bills are reimbursed by HDFC ERGO General Insurance to the policyholder.