HDFC ERGO General Insurance Company Insurance Company Overview and User Reviews

HDFC ERGO General Insurance Company is a well-established player in the Indian insurance market. It was formed in 2002 as a joint venture between HDFC Ltd and ERGO International AG.

The company offers a wide range of insurance products, including health, motor, home, and travel insurance. HDFC ERGO has a large network of agents and distributors across the country.

HDFC ERGO's user reviews are generally positive, with many customers praising the company's efficient claim settlement process. One reviewer noted that HDFC ERGO's customer service is "very responsive and helpful".

HDFC ERGO General Insurance Company offers a range of insurance products to cater to different needs.

One of their notable products is the HDFC ERGO Optima Secure health insurance plan, which provides 4X coverage at no additional cost. This plan offers so much choice, including coverage options from INR 5 lakhs to 2 crores.

The plan also offers flexible policy tenure options, ranging from 1 to 3 years. You can choose from individual and family floater options, making it suitable for various family structures.

For those who prefer to pay their premiums in installments, HDFC ERGO General Insurance offers monthly, quarterly, or half-yearly premium payment options.

In terms of age limits, the plan allows children as young as 91 days to be covered, with a maximum entry age of 25 years for dependents. The maximum entry age for adults is 65 years, and there is no maximum cover ceasing age.

Here are some key features of HDFC ERGO Optima Secure:

To raise a claim with HDFC ERGO General Insurance, you can start by visiting their official website or downloading their app. Click on 'Claim Now' to register your claim request, or give them a call on 022-6234-6234/0120-6234-6234 or 1800-270-0700 (toll-free).

The process is straightforward: fill in the claim form with the purpose of the claim, and attach the required documents like FIR and evidence copies of the accident. You can also opt for a towing service if you need to drive your vehicle to a network garage.

To process your claim, HDFC ERGO will review your documents and verify the details. Here are the documents you'll need to raise a cashless and reimbursement claim request:

You can buy HDFC ERGO General Insurance policies online, which is a convenient and efficient way to get insured.

To start, you need to open the online application form, which can be accessed by clicking on the relevant link for your vehicle type, whether it's a private car or two-wheeler.

The form requires you to enter basic details such as vehicle type, registration number, mobile number, and residential PIN code. You'll also need to check the terms and conditions before clicking on the 'Get Quote' button.

You'll then be presented with a list of relevant insurance policies based on your inputs, including IDV, NCB value, optional add-on covers, and plan type.

To proceed, you'll need to update your current expiry date of the insurance policy and click on the 'Buy Now' button. Be sure to add the owner-driver personal accident cover mandated by the RTO.

Here's a step-by-step guide to buying HDFC ERGO General Insurance policies:

After successful payment, your policy document will be available for download instantly, and you'll receive a copy via email within 5-7 working days.

To raise a reimbursement claim, you can start by visiting the insurer's official website or the HDFC ERGO app and clicking on 'Claim Now' to register your claim request. This can also be done by calling 022-6234-6234/0120-6234-6234 or 1800-270-0700 (toll-free) or writing an email to the customer care team at HDFC ERGO.

You can repair your vehicle at any garage of your choice, pay the bills, and keep the invoices. It's essential to keep all the original bills and invoices as you'll need to upload them when submitting your reimbursement claim.

To submit your reimbursement claim, you'll need to upload the reimbursement claim form, the invoices, and the other necessary documents on the HDFC ERGO website or app. You can find the list of required documents in the 'Documents Required for Raising Claim Requests' section.

Here's a step-by-step guide to submitting your reimbursement claim:

Renewal is an exciting time for health insurance policyholders, and HDFC ERGO General Insurance Company Limited has made it a seamless process. The company offers life-long renewal, which means you can renew your policy regardless of your health status or previous claims.

One of the benefits of continuous renewal is the reduction of waiting periods. For every year you renew your policy, the waiting periods mentioned in the policy wording get reduced by 1 year.

Renewal premiums are subject to change, but only with prior approval from the Insurance Regulatory and Development Authority of India (IRDAI). Any changes to benefits or premium will be communicated at least 3 months in advance.

If your policy is withdrawn in the future, you'll receive an intimation 3 months prior to the expiry date. You'll have the option to migrate to a similar indemnity health insurance policy available at the time of renewal, with all accrued continuity benefits and a waiver of waiting period.

Here are the key points to keep in mind:

Portability is also a feature of this plan, allowing you to transfer to HDFC ERGO General Insurance Company Limited from another insurer's policy with all your accrued benefits at the time of renewal, subject to underwriting guidelines.

HDFC ERGO General Insurance Company has a significant presence in the Indian market, with a gross written premium (GWP) of Rs. 8,722 crore for the financial year 2019.

The company's market share has increased over the years, reaching 5.1% as of March 31, 2019. This is a notable achievement, especially considering the company's growth from a market share of 1.1% in 2008-09 to 4% in 2013-14.

HDFC ERGO General Insurance has a strong financial standing, with a net written premium (NWP) of Rs. 4,373 crore for the financial year 2019.

The company's revenue is a significant portion of HDFC Ltd's total business revenue, accounting for 47% of the total.

Here are some key financial figures of HDFC ERGO General Insurance:

HDFC ERGO General Insurance Company has received numerous awards and recognitions for its excellent insurance services. One of the notable awards is the Best Employer Brand Award.

The company has also received the iAAA Rating and ISO Certification, a testament to its commitment to quality and excellence. This achievement is a result of its dedication to providing top-notch services to its customers.

In 2012-2013, HDFC ERGO General Insurance won the Gold Shield ICAI Awards, a prestigious recognition in the industry. This award is a reflection of the company's financial reporting excellence.

HDFC ERGO General Insurance was also awarded the Best General Insurance Company in India in 2014. This achievement is a result of its hard work and dedication to providing the best insurance services in the country.

Here is a list of some of the notable awards and recognitions received by HDFC ERGO General Insurance:

The company's commitment to excellence has also been recognized by the World HRD Congress, which awarded HDFC ERGO General Insurance as the Best Private Sector General Insurance Company at the ABP NEWS – Banking, Financial Services & Insurance Awards 2014.