HDFC Ergo General Insurance

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HDFC Ergo General Insurance Company is a collaboration between one of India’s most prominent financial institutions, HDFC and ERGO International AG. with a workforce of over 7,000 employees the company has a strong network across the country through 200 branches in over 170 cities. The unmatched insurance products and services offered by the company along with a robust customer-centric approach, HDFC Ergo General Insurance Company, has undoubtedly made a place for itself in the Indian insurance market. The company offers various insurance products as mentioned below: 

  1. HDFC Ergo Car Insurance
  2. HDFC Ergo Two-wheeler Insurance
  3. HDFC Ergo Health Insurance
  4. HDFC Ergo Travel Insurance
  5. HDFC Ergo Home Insurance
  6. HDFC Ergo Cyber Insurance
  7. HDFC Ergo Good Carrying Insurance

HDFC Ergo Car Insurance Plans

When you buy a car you invest in it not just financially but also emotionally, and you wish to cover it against all possible damages in the best possible way. With HDFC Ergo car insurance, you can assure that your car would receive the insurance cover it needs. 

The different car insurance options available with HDFC Ergo are:

  1. Single Year Comprehensive Car Insurance Policy
    As the name suggests, this policy will give your car a comprehensive cover for a term of 1 year. Under a comprehensive cover, you will be covered for any third-party damages that are caused by your vehicle as well as the damages that are suffered by your own car. Own damages include:
           a. Accidental damages
           b. Natural calamities
           c. Man-Made calamities 
           d. Theft 
           e. Fire
  2. Third-Party Cover
    With this cover, you would be able to protect yourself against the liabilities that arise when your car causes accidental damage to a third-party person or property. This is a mandatory cover, under the Motor Vehicles Act, 1988 which every motorised vehicle has to have. If you drive your car infrequently, then you may want to invest in this policy. It covers:
           a. Third-Party vehicle/ property damage
           b. Physical injury to a third-party person
           c. Accidental death of a third-party person
  3. Stand Alone Own-Damage Cover
    When you already have valid third-party car insurance, you can enhance the coverage to protect your own vehicle from damages.
  4. Cover for Brand New Car (Private Car Policy-Bundled)
    Under the recent guidelines issued by the IRDAI, in a bundled policy, you can purchase third-party liability policy for 3 years and own-damage policy for 1 year. As discussed above the third-party liability will cover only the damages caused to the other party. Under the own-damage, the damage caused to your car because of the following will also be covered:
           a. Accidents
           b. Natural disasters
           c. Man-Made disasters 
           d. Theft 
           e. Fire
  5. Add-Ons
    When you purchase an own-damage cover/comprehensive policy, you have the option of including add-ons to your policy. These add-ons enhance the scope of your base policy. HDFC Ergo car insurance offers the following add-ons:



Zero Depreciation CoverWith this add-on, you can cover the amount of depreciation that would otherwise be deducted on the value of replaced parts 
No Claim Bonus ProtectionEven when you make a claim during the policy term, your NCB will not be affected
Emergency Assistance CoverGet roadside assistance if your vehicle breaks down
Downtime ProtectionYour expenses on other hired modes of transport for your daily commute will be covered
Engine and Gearbox ProtectionRepair and replacement of internal parts of the engine and the gearbox will be covered
Return to InvoiceIn case of theft or total damage, you will receive the invoice value of the car

HDFC Ergo Two-Wheeler Insurance Plans

With HDFC Ergo Two-Wheeler Insurance, you can bid adieu to all the worries of the road. With a network of over 7,400 cashless garages, you can secure your bike wherever you go. Apart from the coverage, you can avail discounts on premium, Artificial Intelligence enabled claim settlement, affordable premiums etc.

  1. Multi-Year Comprehensive Two-Wheeler Insurance
    This plan offers comprehensive protection for a tenure of 2 or 3 years to your two-wheeler as it covers third party liabilities as well as your own-damages. The main features of this policy are:
           a. Covers accidental damages to your vehicle
           b. Covers loss or damage or injury to third-party person, property and vehicle
           c. Damages due to natural calamities, such as earthquakes, landslides, floods
           d. Damages due to man-made calamities, such as riots, terrorist attacks 
           e. Theft, fire or robbery of the two-wheeler
           f. You can include add-ons to your policy
  2. Third-Party Cover
    Mandated under the Motor Vehicles Act, 1988, it is compulsory for every motorised two-wheeler to have a third-party liability cover. In case your  bike/ two-wheeler accidentally causes injury or damage to a third-party person or property, the insurance plan would bear the losses.
  3. Standalone Own-Damage
    If you have a third-party cover, but wish to extend the coverage to cover yourself,  you have the option to buy a standalone own-damage bike insurance plan for your two-wheeler. Under the own-damage, the plan would cover:
           a. Damages that are caused due to natural calamities, such as earthquakes, landslides, floods
           b. Damages that are caused due to man-made calamities, such as riots, terrorist attacks 
           c. Theft, fire or robbery
  4. Cover for Brand New Bikes (Bundled Two-Wheeler Insurance)
    With this cover, you can cover your two-wheeler with 1 year of own-damage cover and 5 years of third-party liability cover.
  5. Add-On Covers
    When you buy own-damage cover for your two-wheeler, you have the option to include the following add-ons:
    1. Zero Depreciation Cover
      This add-on covers you against the depreciation amount that would otherwise be deducted on the value of replaced parts.
    2. Emergency Assistance Cover  
      If your two-wheeler breaks down, you can request for roadside assistance.

HDFC Ergo Health Insurance Plans

Let us take a look at the health insurance policies offered by HDFC Ergo and their highlighting features: 

Type of Insurance 

Main Features of the Insurance Plan

HDFC Ergo my: health Suraksha Insurance- Silver Smart Plan
  • Individuals, families and senior citizens can also buy this plan
  • No sub-limit on room rent
  • If your base sum insured is exhausted it would be reinstated
  • No medical test up to 45 years
  • Sum Insured from INR 3 lakhs to INR 5 lakhs
HDFC Ergo my: health Suraksha Insurance- Gold Smart Plan
  • This plan covers your medical contingencies
  • A simple yet comprehensive health insurance plan
  • No cap on room rent
  • Covers mental healthcare
  • Sum insured options of INR 7.5 lakhs, INR 10 lakhs and INR 15 lakhs
HDFC Ergo my: health Suraksha Insurance- Platinum Smart Plan
  • Offers a cover-up to INR 75 lakhs
  • Available on individual and family floater basis
  • No sub-limit on room rent
  • Covers 586-day care procedures
  • Get a sum insured rebound cover
  • Free health checkups
HDFC Ergo Optima Restore
  • Sum Insured from INR 5 lakhs to INR 50 lakhs
  • 100% of the basic sum insured to cover the first claim
  • Double your sum insured in 2 consecutive claim-free years
HDFC Ergo my: health Suraksha Silver with ECB & Rebound
  • Health insurance cover from INR 3 lakhs to INR 50 lakhs
  • If your sum insured gets exhausted, you will get it back
  • Covers AYUSH treatments
  • Mental Health care is covered
  • 10% of cumulative bonus
HDFC Ergo my: health Medisure Super Top-Up
  • Comes with a specific deductible limit to increase your sum insured
  • Different sum insured and deductible options
  • Sum insured INR 3 lakhs to INR 20 lakhs
  • Deductible limit INR 2 lakhs to INR 5 lakhs
  • Pre-existing illness waiting period of 3 years

HDFC Ergo Critical Illness

2 plan variants:

  • Silver Plan
  • Platinum Plan
  • A fixed benefit health insurance plan that covers up to 15 critical illnesses
  • If diagnosed with a listed illness, you will receive a lump-sum payment
  • Option to buy the plan for 1/ 2 years
  • No medical screening till 45 years of age
  • Option to renew the policy for life
HDFC Ergo iCan Cancer Insurance
  • This plan covers all types of cancers
  • At the diagnosis, you can receive 60% of sum insured as lump sum payout
  • Avail 100% of sum insured for treatment of cancer

HDFC Ergo Health Wallet

Individual/ Family

  • A flexible plan with wide coverage
  • Automatic restoration of the sum insured in case it is exhausted
  • Multiplier benefit that increases your sum insured after a claim-free year
  • Free health care checkups
  • Covers 182-day care procedures
HDFC Ergo Energy Health Insurance Plan
  • Specially designed for Diabetes and Hypertension patients
  • Offers Active Wellness Program
  • No waiting periods
  • Incentives for staying healthy
  • Covers 182-day care procedures
Corona Kavach Policy - HDFC Ergo 
  • IRDA launched COVID-19 specific health insurance policy
  • Covers hospitalisation, pre and post hospitalisation charges
  • Covers AYUSH treatment
  • Sum Insured from INR 50,000 to INR 5 lakhs

Aarogya Sanjeevani - HDFC Ergo 


  • Standard Indemnity based health insurance
  • The plan comes with the option of lifelong renewability
  • 5% increase in sum Insured with each claim-free year
  • Tax Benefits under Section 80D

HDFC Ergo Women Health Insurance Plans

HDFC Ergo understands that women are the backbone of every household. It becomes imperative that they are covered against all kinds of illnesses and injuries. Let us take a look at the various health insurance plans exclusively for women under my: health Women Suraksha.

HDFC Ergo my: health Women Suraksha Critical Illness Comprehensive Plan
  • Women-specific health insurance plan
  • Sum insured from INR 3 lakhs to INR 1 crore
  • Covers 41 specialised surgeries
  • Optional covers for maternity and newborn baby, loss of job
  • Free Health CheckUps at renewal
  • Offers multiple discounts
HDFC Ergo my: health Women Suraksha Critical Illness Essential Plan
  • Lump-sum payment benefit plan
  • Covers women-specific surgical procedures
  • Get coverage for surgeries for balance sum  insured
  • Sum Insured from INR 3 lakhs to INR 1 crore
  • Offers attractive discounts
HDFC Ergo my: health Women Suraksha Cardiac Plan
  • The plan offers an instant lump sum benefit
  • Sum Insured from INR 3 lakhs to INR 1 crore
  • Covers heart diseases, surgeries and other critical conditions such as stroke and coma
  • Optional covers for job loss, pregnancy, post-diagnosis support, burns and assaults
HDFC Ergo my: health Women Suraksha Cancer Plan
  • The plan covers cancer in the initial stage for cervix, uteri and breast
  • Covers almost all major types of cancers
  • Optional covers for job loss, pregnancy, post-diagnosis support, burns and assaults
  • Attractive discounts
  • Sum insured from INR 3 lakhs to INR 1 crore
HDFC Ergo my: health Women Suraksha Cancer Plus Plan
  • Covers all major types of cancers and illnesses
  • Self-empowering optional covers such as job loss, pregnancy, post-diagnosis support
  • Free preventive checkups
  • Availability of wellness coach
  • Sum insured from INR 3 lakhs to INR 1 crore

HDFC Ergo Travel Insurance Plans

With the recent guidelines on travelling during the COVID-19 scare, it has become imperative to have travel insurance. Your HDFC Ergo travel insurance would not only help you in dealing with the medical expenses that may arise due to COVID, but it would also give you a sense of security when you are away from home.

Type of Insurance 

Main Features of the Insurance Plan

HDFC Ergo Individual Travel Insurance
  • Covers emergency medical expenses including dental treatments
  • Medical evacuation to the nearest hospital via air/ surface
  • Daily hospital allowance
  • Covers accidental death and disability
  • Offers baggage and journey related cover

HDFC Ergo Family Travel Insurance


  • Worldwide coverage apart from USA and Canada
  • Covers medical expenses
  • Covers dental treatment
  • Medical and body repatriation
  • The plan offers baggage and journey related coverage
  • Various options available:
    • Single Trip International insurance
    • Multi-Trip International Insurance
    • Travel Medical Insurance
HDFC Ergo Student Suraksha Insurance
  • For students staying abroad for a longer period
  • Worldwide coverage apart from USA and Canada
  • Cover expenses on injury, illnesses and dental treatments
  • Plan offers baggage and journey related coverage
  • Covers personal liability, bail bond and study interruption
HDFC Ergo Travel Insurance for Senior Citizens
  • Ideal travel insurance plan curated for senior citizens
  • Worldwide coverage apart from USA and Canada
  • Cover medical expenses on injury, illnesses and dental treatments
  • Offers daily hospital cash
  • Covers financial emergency assistance

HDFC Ergo General Insurance Company - Premium Payment Process

The premium amount that you pay depends on the kind of plan that you have opted for, and depending on the plan you would have to pay the due premium on a monthly/ quarterly/ half-yearly/ yearly basis. You can select any of the following ways to pay the premium:

  1. Online Payment Process
    When paying the premium online, go to the company website, and select the policy you have to pay for. After you select the policy, check all the details and then proceed to payment. Make the payment through any of the electronic mediums available.
  2. Offline payment process
    To pay your premium offline, you need to visit a company branch. For locating a branch near you, click and enter the required information. At the branch, you can get in touch with a company executive and take his/her help to make the payment.

HDFC Ergo General Insurance Company - Insurance Renewal Process 

Renewal of your insurance policy is a simple and easy process and getting the renewing on time is very crucial. With HDFC Ergo, the renewal of the policy would be hassle-free and quick.

  • Online Renewal Process
    To renew the policy online, visit the company website, go to “Renew” and select the policy type. You may click, to reach the page directly. Enter your policy number/ mobile number/ email id. You would be redirected to your policy page. Check the details and make the payment through an electronic medium.
  • Offline Renewal Process
    Renewal of your policy can be done offline by physically visiting the branch office and making the payment. At the branch fill in the Renewal form and make the payment via cheque/ demand draft/ credit or debit card.

HDFC Ergo General Insurance Company - Expired Policy Renewal Process 

Renewing your insurance policy on time is crucial. Not doing so will put you at the risk of being without any coverage and you would end up spending a big amount from your own pocket. Keep the renewal a priority and get your policy renewed before the expiry date. Once the policy expires, you have a 30-day grace period to renew the policy.

  • Car and Bike Insurance

If your car/two-wheeler insurance has expired, get in touch with the customer care and request for a renewal. A surveyor will be assigned to inspect your vehicle. After assessing the condition of your vehicle if you get approval from the company, you can renew the policy after paying the premium.

  • Health Insurance

Similarly, when your health insurance policy expires, the 30-day grace period starts. If you do not renew the policy in this period, your policy would lapse. Also, keep in mind that during the grace period, a claim cannot be made. 

Get in touch with the customer care, they would guide you on how to renew your policy. 

HDFC Ergo General Insurance Company - Claim Process

HDFC Ergo follows a simple claim procedure:

  • Car and Two-Wheeler Insurance Claim Process
    In case your car/bike gets involved in damage and a claim has to be raised, you can register online and share the required documents. Through self-inspection or an app-enabled digital inspection by a surveyor/ workshop executive, you can get the vehicle inspected. You can check the claim status online and wait for the claim to be processed.
  1. Cashless Claims
    At a network garage, you can get a cashless repair for your car/bike. Post the survey when the claim is approved, your car/bike would be repaired and the bill would be settled by the company directly.
  2. Reimbursement Claims
    Post the survey, you can take the car/bike to a non-network garage and get it repaired. You would have to pay the bill upfront, however, you can get the expenses reimbursed by submitting all the related and required documents. Once the claim is approved, your claim would be settled.
  • Health Insurance Claim Process
    Whenever a claim arises, you need to inform the company at the earliest. In the case of planned hospitalisation, you can inform the company 48 hours prior to the admission and in case of an emergency, within 24 hours of admission.
  1. Cashless Claims
    For cashless treatment at a network hospital, you need to fill in the PreAuthorisation form. On the basis of the pre-auth approval, the hospitalisation can be done. The company will settle the bills directly at the time of discharge.
  2. Reimbursement Claims
    At a non-network hospital, pay the bills and preserve all the original invoices. After your discharge, send all the treatment-related documents and invoices to the company. Once all the documents are checked, the claim amount will be transferred to your bank account.

HDFC Ergo General Insurance Company - Company Profile

HDFC Ergo General Insurance Company offers its policyholders confidence and a sense of security, that in case of a financial emergency, the company would be there and offer a comprehensive cover. The practical and affordable insurance plans cater to the insurance needs of millions of customers seamlessly. The company also has immense transparency in all its procedures, especially the claim settlements. The company has also been assigned ‘iAAA’rating by ICRA indicating a high claim paying ability. When you invest in an insurance plan by the company,  along with the plan benefits, you also get associated with one of India’s most popular insurance companies. 

HDFC Ergo General Insurance Company - Customer Care Details

For queries or complaints, get in touch with the company

Email OR 
Phone numbers022 6234 6234, 0120-6234 6234
Toll-Free Number1800 2666 400
FAX Number022 - 6638369
Company Address 

1st floor, HDFC House, 165-166 Backbay Reclamation, 

H.T Parekh marg, Churchgate, Mumbai-400020 

Grievance CellHDFC ERGO General Insurance Company Ltd., 
6th Floor, Leela Business Park, Andheri Kurla Road, Andheri, Mumbai - 400059

HDFC ERGO General Insurance FAQs

  • 1. What was the latest Incurred Claim Ratio of HDFC ERGO General Insurance Company?

    The company recorded an Incurred Claim Ratio of 76% in the financial year 2018-19.

  • 2. Why do I need an HDFC ERGO health card?

    The health card is an identification of your health insurance policy. At a network hospital, when you wish to avail cashless treatment, you have to submit your health card. Remember to carry a valid ID when you go to the hospital.

  • 3. What is a grace period? Can I make a claim during this period?

    Once your insurance policy expires, the company gives you a 30-day grace period to renew the policy. If the grace period is over without you renewing the policy, your policy will lapse. You would not be able to make any claim during the grace period.

  • 4. What are the benefits of buying HDFC Ergo two-wheeler insurance online?

    When you buy HDFC Ergo two-wheeler insurance online, you can compare different policies available and select the one that suits you the most. You also do not need any paperwork to be done, make an online payment and the policy will be e-mailed to you. Buying the policy also is very easy and can be done at a time convenient to you. You can also avail discounts when buying two-wheeler insurance online.

  • 5. I am a diabetes patient, can I buy HDFC Ergo travel insurance?

    Yes, you can. However, in case of a medical emergency your travel insurance would not cover you for the pre-existing illnesses.

  • 6. Do I need to undergo medical screening before the purchase of HDFC Ergo travel insurance?

    No, you do not require a pre-policy medical screening, however, in case you suffer from any condition, do remember to declare the same at the time of purchase.

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