HDFC ERGO General InsuranceIncurred Claim Ratio - 80*
HDFC ERGO General Insurance Overview
HDFC Ergo General Insurance Company Limited is a joint venture between HDFC Limited of India and the Munich based Ergo International AG. HDFC Ltd. holds 76% and Ergo International AG holds 26% of equity in the joint venture. HDFC Limited is India’s premier housing finance institution, and a presence in life and general insurance, banking, and asset management.
Ergo International AG is part of the Munich Re group which is one of the world’s leading reinsurers and risk carriers. Serving over 40 million customers, Ergo is present in more than 30 countries spread across Europe and Asia.
HDFC Ergo General Insurance Co. Ltd operates in 89 cities with 109 branch offices and has a wide product portfolio, which is directed at catering to the needs and insurance requirements of the customers. The products have been designed according to the customer’s preferences and careful study and analysis of the risks involved in a particular situation.
HDFC Ergo general Insurance Company Limited has been assigned ‘iAAA’rating by ICRA indicating its highest claim paying ability. It has an experienced management team consisting of Mr. Ritesh Kumar as the Managing Director and CEO of HDFC Ergo.
HDFC Ergo General Insurance was awarded Best Insurance Company in Private Sector – General by the World HRD Congress at ABP NEWS – Banking, Financial Services & Insurance Awards 2014. It also got Gold Shield ICAI Awards for Excellence in Financial Reporting for the year 2012-13.
HDFC ERGO General Insurance Product Portfolio
HDFC ERGO Health Insurance Policy:
Healthcare expenditures are at an all-time high and show no sign of decreasing. Without adequate health cover, in the event of an unforeseen illness, you may have to shell out your hard-earned savings leaving you with a financial emergency. Health insurance plans, therefore, help you overcome this financial emergency by providing an affordable and comprehensive health cover.
This health insurance plan provides cashless hospitalization and health care facilities covering in-patient treatment, pre-hospitalization expenses, 144 day-care procedures, domiciliary treatments and other treatment-related expenses.
HDFC Ergo Health Suraksha Gold is an economical plan which provides cover for in-patient treatment, pre-hospitalization and post-hospitalization expenses. There are no sub-limits on hospital room rents, hospital charges, diseases and doctor fees.
HDFC Ergo Health Suraksha Regain offers comprehensive coverage for in-patient treatment, pre-hospitalization and post-hospitalization expenses, and a unique regain benefit of automatic availability of sum insured upon its exhaustion.
This is an affordable HDFC Ergo plan covering in-patient treatment, pre and post hospitalization expenses with no sub-limits on disease, hospital room rents, and other medical charges. The regain benefit provides automatic availability of basic sum insured upon exhaustion during the policy year.
This HDFC Ergo top up plan supplements one’s existing primary health insurance cover by insuring one for a larger sum insured limit at lower cost, thereby providing a wider coverage at a much lesser cost.
This Critical Illness policy provides a lump sum amount to cover costs towards treatment, recuperation aids and also gives additional funds to take care of changes in lifestyle and loss of income due to decreased ability to earn.
HDFC ERGO Critical Illness Platinum Policy:
The Critical Illness Platinum plan covers 15 critical illnesses and provides a lump sum benefit amount on first diagnosis after a 30-day survival period. It covers cost of care, treatment, recuperation aids and provides funds due to change in lifestyle and decreased ability to earn.
These HDFC Ergo car insurance plans enable you to safeguard yourself against loss or damage to your car in situations like uncertain risk of accident, theft, fire, earthquake, etc. and provide coverage for the liability that arises out of third party property damage.
The Private Car Insurance plan is a financial safeguard to protect the car against damages, theft and natural disasters. It also includes a third party liability, which covers claims by third party when the insured car damages another person’s property.
This HDFC Ergo plan offers insurance to a wide range of commercial vehicles, protecting businesses from financial loss due to accidents or damage to the vehicles, and legal liability towards third parties for personal injury, death and property damage in case of an accident involving the insured vehicle.
HDFC ERGO Third Party Liability Only Insurance Policy:
The third party liability insurance from HDFC Ergo covers legal liabilities arising from injuries to or damages sustained by third parties from the insured vehicle. The policy is available for both private and commercial vehicles
With so much happening around us on the roads, two-wheeler insurance should not be seen as an additional expenditure, but as a necessity. Buying two-wheeler insurance certainly helps you reduce your stress, if you find yourself in an unwanted situation.
Purchasing a two-wheeler insurance is mandatory by law and it also provides peace of mind. HDFC ERGO offers two products – two-wheeler comprehensive insurance and two-wheeler liability only – multiyear policy.
HDFC ERGO General Insurance Company Plans give you the benefit of affordable coverage for your property and possessions against almost any eventuality.
HDFC ERGO Home Insurance:
The home insurance policy covers the superstructure as well as the belongings inside the house for up to 5 years. It also covers against man-made or natural disasters such as fire, lightning, explosion or implosion, floods, water inundation, storms, riots, strikes, earthquakes as well as burglary, theft, larceny and terrorism.
This is a comprehensive home insurance policy protecting one’s property and possessions against almost any eventuality including risk due to fire, lightning, explosion, flood, storm, riot, strike, terrorism, earthquake, etc.
HDFC ERGO General Insurance Company's plans help you to explore and enjoy new destinations without any worries.
It is a comprehensive and affordable travel insurance policy for business and leisure travel offering benefits like cashless hospitalization, instant issue of policy and 24x7 international helpline assistance without the need for any health check-up. The plan covers medical expenses, trip cancellation charges, loss due to damage or loss of luggage, flight accidents and other related expenses on trips abroad. It comes in individual as well as family floater format. The family floater plan by HDFC ERGO travel insurance covers the insured and his/her spouse, up to the age of 60 years and a maximum of two children from ages of 3 months onwards until the age of 21 years.
HDFC ERGO Student Travel Insurance:
Student Suraksha is a comprehensive, overseas student travel insurance policy designed for Indian students (between the ages of 16 and 35 years) studying abroad to ensure their financial security in case of emergencies.
A personal accident policy is strongly recommended to everyone not only to protect their families in the event of a mishap like accidental death, but in addition also to cover disablement, leading to loss of earning capacity, at competitive premium rates. A personal accident cover is very effective in making you financially independent and ensures that you have a dignified future, no matter what happens.
HDFC ERGO General Insurance Company Limited offers a range of commercial insurance solutions catering to the corporate and business market. Commercial firms can choose from any of the policies as per their requirements.
- Knowledge Series
- Specialty Insurance
- Property & Misc Insurance
- Casualty Insurance
- Group Insurance
HDFC ERGO General Insurance Company Limited also offers insurance solutions for the rural customers including farmers, dairy owners and tradesmen.
- Agriculture Insurance
- Cattle Insurance
HDFC ERGO General Insurance Co. Ltd Distribution Network:
HDFC ERGO General Insurance Company Limited has a multichannel distribution network. Its products are also available online through its own website and insurance aggregators. HDFC Ergo has a large network in India across 71 cities and multiple branches in some cities. The company has a large basket of products to meet the different insurance requirements of individuals and companies. HDFC ERGO General Insurance Company has been expanding its presence across the country and is today present across 71 cities with 78 branch offices with an employee base of over 950 professionals.
HDFC ERGO General Insurance Company Limited FAQs
1. How to pay premium? What are the modes of payment available?
HDFC ERGO General Insurance premium can be paid in three modes
- Automatic deduction from the bank account
- Cash and Cheque
- Online payment
2. How can I check HDFC ERGO policy status?
Visit corporate website of HDFC Ergo. Login with your user ID and password, and right-click on the policy number and get the details of the status of it.
3. What is the HDFC ERGO policy renewal process?
If you have filled an auto debit mandate, the policy will be renewed automatically.
HDFC ERGO insurance policy renewal can be done online by logging into e-Portal with valid login details. Pay via debit/credit card or Net banking and print your e-Payment receipt.
4. What is the company’s process to settle claim?
The HDFC ERGO General Insurance company does not usually take more than 3 days for minor theft or accidents. They claim that they will settle all the cases within 7 days. You need to submit the documents of proof and the claims form to the officer. Upon satisfactory evaluation, the claims amount will be deposited via NEFT in the policyholder’s bank account.
5. What is the policy cancellation process?
Cancellation of the policy is possible any time. You will have to go to the site and order for cancellation. After a short documentation process, the policy will be cancelled and you will receive an intimation message.
HDFC ERGO General Insurance - Latest News
#CamSurvey Claim Process for ‘Jaldi Claim’ Settlement Introduced by HDFC ERGO
Third largest non-life insurance company of India - HDFC ERGO General Insurance Company, introduced the #CamSurvey auto claim service, which is a part of ‘Jaldi Claim’ service of the insurance provider.
This service will aid the customers and reduce the time taken in motor claims process, in chosen network garages, on the outside of the car. The insurance provider believes that claim is necessary and speedy settlement of claims is of utmost significance for its customers.
Keeping this in mind, the insurance provider intends for revolutionizing the process of claim settlement via their ‘Jaldi Claim’ Settlement services that will provide seamless and quick claim settlement. As a part of #CamSurvey facility, the insurer has installed various cameras in the network workshops and garages that will allow them to assess the car’s damages.
This network will be centralized and there will be live streaming of the photos for inspection. The central team of the HDFC ERGO General Insurance provider will assess the pictures via live-stream and instantly approve the claims.
This will eliminate the process of appointment of a surveyor to carry out physical inspection of the damaged car. Also, this will save valuable time of the policyholders and aids in quick claim settlement.
HDFC ERGO in Talks to Acquire Apollo Munich Health Insurance
The general insurance arm of the HDFC – Housing Development Finance Corp, HDFC ERGO, is involved in advanced talks in acquiring Apollo Munich Health Insurance for an estimated valuation of Rs. 2,600 Crore.
Apollo Munich is a joint venture with 51:49 between the German reinsurance company Munich Re (the 2nd largest individual health insurer in India) and Chennai based Apollo Hospitals NSE 1.8 per cent.
After the sale, Munich Re will quit the Company, said a source. “A marginal stake in the amalgamated entity with the HDFC ERGO will be owned by Apollo. Munich Re owns the German Insurance Provider – ERGO, which holds around 49 per cent stake in the HDFC ERGO.
The exclusive advisor to the projected deal between Apollo Munich and HDFC Ergo is Arpwood Capital.
HDFC raised around Rs. 13,000 Crore via qualified institutional placement (QIP). HDFC has been seeking the opportunities to nurture its business along with subsidiaries via acquisitions.
HDFC ERGO General Insurance Company signs SVC Bank as a Bancassurance Partner
One amongst the top insurance players in India, HDFC ERGO GIC declared its bancassurance agency tie-up with SVC or Shamrao Vithal Co-operative Bank with intent to offer an array of non-life insurance products to the existing customers of Shamrao Vithal Co-operative Bank.
The joint venture combines HDFC ERGO GIC's experience in launching inventive non-life insurance solutions and products with Shamrao Vithal Co-operative Bank's customer base spread across various Indian states. Shamrao Vithal Co-operative Bank has 194 offices spread across 10 Indian states, including Karnataka, Maharashtra, Tamil Nadu, Goa, Andhra Pradesh, Delhi, Gujarat, Madhya Pradesh, Haryana, and Rajasthan.
Ritesh Kumar, the Chief Executive Officer and Managing Director of HDFC ERGO General Insurance Company said that this union is a significant landmark for the company as bancassurance forms an imperative part of this insurer’s growth plan. He also said that the company is always attempting to continuously find out new things and make their products and solutions more extensively available to the customers belonging to all the segments of the Indian society.
HDFC ERGO purchased L&T General Insurance Company for Rs 551 Crore
HDFC Ergo, the JV between the German insurance provider Ergo International and the Indian home loan provider HDFC, has declared the purchase of L&T Insurance for an amount of Rs. 551 Crore. The insurer will complete the purchase in the 1st buyout in the nation's general insurance market.
In a meeting on Friday, the chairman of HDFC and HDFC Ergo General Insurance Company stated that this business has signified the inception of the merger phase. He further added that the united mass and proficiency of the duo will lead to cost effectiveness of the joint venture and consequently be beneficial for all the stakeholders, including policyholders. The transaction has been valued at 1.1 times of the gross premium that is 3.9 times of L&T General Insurance Co.’s book value.
HDFC Ergo General Insurance Company, in order to seek authoritarian approvals for acquiring complete shares of L&T General Insurance Co., will now have to make an appeal to the sector regulator, IRDA, and CCI (Competition Commission of India) the fair trade authority. This acquirement will support HDFC Ergo in becoming the 3rd biggest private general insurance provider, after Bajaj Allianz and ICICI Lombard, ahead of Iffco Tokio. The Indian insurance industry is conquered by the public sector insurers United India, New India Assurance, Oriental Insurance, and National India Insurance Company
HDFC ERGO sets to acquire L&T General Insurance arm
HDFC ERGO General Insurance is all set to acquire L&T General Insurance arm in an all-cash deal of Rs. 551 Crore. This acquisition is going to be the first –of-its kind in the general insurance market of India. Mr. Deepak Parekh, Chairman, HDFC ERGO (a joint venture between one of India’s biggest public sector lender HDFC and ERGO International from Germany) stated that the company has marked the beginning of the phase of consolidation with this transaction.
With this acquisition, the company looks forward to benefiting in terms of improved cost efficiency and benefits to both its customers and stakeholders. After this, HDFC ERGO aims at applying for getting the regulatory approval in order to acquire complete 100 percent stake of the general insurance company. Standing at 1.1times the gross annual premium, this deal is 3.9times in terms of the book value of L&T.
HDFC ERGO now has become the third largest general insurance company in the private sector, following ICICI Lombard General Insurance and Bajaj Allianz, and followed by Iffco Tokio General Insurance. Owned by the largest Engineering firm in India, L&T Infotech, L&T General Insurance has been trying to merge with the other small rivals in the industry to attain size and scale, expanding its network in the future.
HDFC ERGO Honored with ‘Best Customer Experience of the Year’ Award
HDFC ERGO General Insurance has been awarded the ‘Best Customer Experience of the Year’ under the General Insurance category of the Non-Banking industry at the Ninth Loyalty Awards & Customer Experience Awards. The event was organized by KamiKaze B2B Media.
HDFC ERGO was presented the award in recognition of the efforts made by its customer service team. Also, it recognizes the efforts of the company management in the fields of Customer Service and Experience, which strives to perk up Customer Delight and empathy for an individual.
The Executive Director of HDFC ERGO General Insurance, Mr. Mukesh Kumar, said that receiving the ‘Best Customer Experience Award of the Year’ is an honor for the company and it will motivate us on our way to delight our customers uninterruptedly. Providing satisfactory services to our customers has been our prime motto and we always look forward to adding onto our services for them.
’Gold Shield’ award for HDFC ERGO General Insurance by ICAI
The Institute of Chartered Accountant of India (ICAI) lately awarded HDFC EGRO General Insurance the Gold Shield award in recognition of the highest standards adhered by the company with reference to the financial reporting for the FY’ 2014-15. Among 175 participants, HDFC stood the only private insurance company in India to make it to the award.
Mr M Damodaran, ex-chairman of Securities and Exchange Board of India, headed the jury while the award by accepted by CFO, Mr Samir Shah who also is a member of Executive Management, HDFC ERGO General Insurance Company Limited at a glittering ceremony on 6 February 2016, held at Kolkata.
Mr Ritesh Kumar, Managing Director and CEO said that being awarded the Gold Shield award by ICAI for standing out in the vast insurance sector of India is a matter of price and responsibility in the future for HDFC ERGO General Insurance.
HDFC ERGO General Insurance awarded with the Excellence Award for Financial Reporting by ICAI
Institute of Chartered Accountant of India (ICAI) has honored HDFC ERGO General Insurance with the Gold Shield award. The award has been presented to recognize the highest standards in Financial Reporting for the year 2015-15 followed by HDFC ERGO General Insurance.
HDFC ERGO General Insurance Company Limited was adjudged the best amongst the 175 participant companies. Mr. Samir Shah, CFO and Executive Management Member, received the award on behalf of HDFC ERGO General Insurance. The award was given away by the guest of honor Shri. M. Damodaran, Former Chairman of SEBI (Securities and Exchange Board of India) in a splendid ceremony held in Kolkata on February 06, 2016.
Mr. Ritesh Kumar, Managing Director & Chief Executive Officer at HDFC ERGO General Insurance Company said that the company has followed the best corporate governance practices. It is a essence of HDFC Group of companies’ functioning. It is an element of the company’s DNA.
HDFC ERGO Life #ResolveToChange Campaigns Still Going Strong
HDFC ERGO General Insurance Company Limited recently launched #ResolveToChange campaign to make people aware of the causes of Cancer and give emergency medication to someone in need. Even heart attacks are quite common nowadays and one must be well-equipped to save the life of anyone needy.
One must learn the three easy steps of Cardio-Pulmonary Resuscitation, which are very easy and equivalent to Chest Compression, Airway Cleaning and Breathing Assistance. Corporate employees work for long hours with high stress, which makes them face issues like sleep disorder, heart issues, asthma, high blood pressure and more. The insurance company expects people #ResolveToChange their current lifestyle and live happier for a long time.
The campaign was initially launched last years and the #ResolveToChange campaign is still going strong. Another point of discussion is breast cancer in both rural and urban regions of India. One must be responsible enough to never ignore heath check-ups and stay regular to them. Those who smoke need to take health check-ups on a serious note, as it is the biggest risk factor for the lungs.
Impact of the merger between HDFC Ergo and L&T Insurance
The existing policyholders will now be offered with more insurance products and a broader network of motor workshops and hospitals. HDFC Ergo General Insurance Company, during a board meeting conducted on 3rdJune, 2016, grated its approval for the procurement of L&T General Insurance Company.
As a result of this merger the companies will rationalize their products. This is because HDFC Ergo might want take interest in similar products. In non-life insurance industry, most of the insurance products by almost every insurer are considerably similar and boast minor dissimilarities, excluding the case of health and accident.
The CEO and managing director of HDFC Ergo General Insurance Company, said that the company will rationalize its products after this union and after thoroughly studying and discussing the entire matter with the with distribution channels. He also said that with respect to the additional covers, the company will keep its complete suite for its customers’ benefits. Also, with regards to the claims, the change for the existing customers will be steady upon renewal.
The policyholders would need to contact the insurer with respect to home and motor insurance claims. HDFC Ergo is also planning to integrate the call centers so as to ensure that the customers can continue dialing same number or the new number will be communicated to them if there is any.
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HDFC ERGO General Insurance Reviews
Long term HDFC health insurance plan
I recently bought a family floater plan which covers me and my wife for a period of 2 years . HDFC ERGO health insurance offers 10% discounts on a 2 year plan which I think I haven't seen with other companies.
HDFC health insurance plan is versatile
HDFC ERGO health insurance plan seems quite versatile. I am usually a fit person and due to which I could increase my sum assured this year due to no claims last year without paying a single extra penny on previous premium.
Affordable premium with HDFC Ergo Insurance
The best thing about HDFC health insurance policy is nominal premium and tax benefits as well. I hope, though ,I never have to file a claim... this health insurance plan gives me a sense of security
HDFC health insurance plan is good for pregnant women
I was looking for a pregnancy insurance plan after pregnant. I must say that HDFC Health Suraksha Gold Plan was the answer to my in securities regarding the expenses during the regular check ups and medicinal requirements. The response is too good.
Good to go with HDFC Ergo health insurance
I find it a good plan. Everything is manageable from the premium to renewal service. I got instant answers to my questions from customer care. Thanks and Keep it up!!
i asked many people about this policy they said premium is high it doesn't matterwhat is ehr premium see what benefit giving the company hdfc not putting any limit on hospitalisation expenses. so it's osssssssssssssssssam
Drive wheels with good insurance
To safe drive and take precautions before any unwanted situation happens, everyone need insurance. I have hdfc two wheeler insurance which is really very good and more benefits in low premiums. Policy coverage is high approx.90%, Claiming is simple and easy to make by taking help of executives of the company. Great experience, no delay in any service, less paperwork, online web facilities.
Travel with safety
After long web search, finally got travel insurance policy which is very impressive and the rewards are the best part. Service is very fast which is facilitated by the executives and the staff members. The loss is reimbursed by the insurance company.
Get your motor secured
Having trouble to choose in wide range of car insurance plans. Then my colleague suggested me hdfc ergo general insurance, I see terms and conditions which is very beneficial so i buy it in less premium. Policy coverage is high and claims are easy to sanctioned.
When i listen about the hdfc ergo general insurance company ltd. I took the health insurance plan at very less amount. Service is fast and the executives assist 24X7. Policy coverage is high and claims are easy to get. Ambulance free service for policy holder.
Low premium,high returns
My colleague introduce a health insurance plan to me, which is good and in budget. The premium of the policy less and the coverage is high. Claiming process of the plan is easy because the service given by the executives and staff members of the company is fast and on time.
Ergo general insurance policy
After a long time i got health insurance policy for my whole family through hdfc ergo general insurance. Service is fantastic and so quick. Investment is less in this policy but the return after policy get matured is really very high. Updates are mailed to me time to time.
Good To Have My Insurance
Everybody needs two wheeler insurance policy for security reasons. I have one from hdfc ergo general insurance, absolutely fantastic policy no second doubt in that. Service is fabulous and staff and all other team members works very hard to satisfy the customer.
My insurance policy is not a normal one, it provides maximum coverage benefits in very less investments. Claims are easy to get because the executives work 24X7 for customers. Nice travel insurance by hdfc ergo general insurance. Online updates are very easy to get and anyone can access it easily.
Car insurance plan which I purchase from hdfc ergo insurance company is very good with high coverage rate. Premium of the plan is low but the refunds are high. Service given by members of the company is fantastic and always on time.
Best Health Insurance
The hdfc ergo general insurance company provides me health insurance plan at very low premiums. Coverage of the insurance plan is high and claims are even better. Service provided by the executives is fast and on time.
Two Wheeler Insurance
Premium of my two wheeler insurance plan is very less which i buy from hdfc ergo general insurance. The coverage is also good with high claims. All parts are covered in the insurance plan. Tow facility is also available and number of garages are very big.
Got the travel insurance at cheap rates from hdfc ergo general insurance. The service is fast and very responsive staff members of the company. If luggage is lost or any belongings then the whole amount is reimbursed by the insurance company.
HDFC Car Plan
Policy coverage is very high approx. 89% and the premium is less in compare to investment. Service is high as because the number of garages are very big in number. Tow service is also facilitated by the company and it may not cost anything at some terms. Great experience with hdfc ergo general insurance.
Policy I have is hdfc ergo health insurance plan which is very low at price and the claims are easy to sanctioned. Service provided by the executives is really very good with ambulance free service. Policy coverage is high ~90%.
Perfect Insurance Policy
Bike insurance from hdfc ergo general insurance in less investment and service is superb. Online renewal is possible through online portal which can be handled by anyone. Claims are simple to sanctioned. Tow facility is also there for free and except tires the whole vehicle is secured.
HDFC travel insurance
Recently buy hdfc ergo travel insurance plan in low premiums. Service is fast and the reimbursement of the lost baggage is given by the company. Policy coverage is good and claims are easily sanctioned. Just the cancellation amount of the ticket is not possible.
Just completed my tour, thank god i purchased travel insurance policy from hdfc ergo insurance. The premium is less and the refunds are more. I lost my bag while travelling, the company reimbursed my whole lost. Great service.
Good policy coverage ~90% and car tow is at any location without any charges. The service is fantastic which reduces paperwork. Online renewal of the insurance policy is very easy to make by online portal service. Regular updates send by the executives on my email id.
HDFC general insurance company is one of the best insurers, i bought a health plan in very low premium. Service is fantastic and online renewal is very easy to make through online portal. The ambulance is facilitate for free and accidental death benefit is inbuilt in it.