HDFC Ergo Insurance Plans

HDFC ERGO Insurance

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Some of the awards that the company has won over the years include :
  • ICAI Awards 2015-16 - For Excellence in Financial Reporting
  • SKOCH Order-of-Merit - for Claims Survey Management (CMS) for qualifying amongst the Top 100-projects in India
  • Best Customer Experience Award of the Year - Financial Sector- by KamiKaze
  • ICAI Awards 2014-15 - For Excellence in Financial Reporting Annual Report under the Category III – Insurance Sector
  • CMS Outstanding Affiliate World-Class Service Award 2015 - by Chubb Multinational Solutions
HDFC Ergo offers their health insurance customers the option of availing quality treatment at more than 10,000+ leading hospitals across the country. With an incurred claims ratio of 62.00%, they also covered 96.05 lac lives during the same year 2018-19, as per the data provided by IRDAI.
Buy HDFC ERGO General Insurance Plans ONLINE for your journey.HDFC ERGO General Insurance Company Ltd. is a joint venture between HDFC Ltd., India’s premier Housing Finance Institution and ERGO International AG, the primary insurance entity of Munich Re Group. The Company offers complete range of general insurance products ranging from Motor, Health, Travel, Home and Personal Accident in the retail space and customized products like Property, Marine and Liability Insurance in the corporate space. The company has its operations across 120+ branches on 106 cities and currently employs around 3000 employees. The company has also been assigned ‘iAAA’rating by ICRA indicating its highest claim paying ability. As on March 2020, HDFC Ergo was the 3rd largest Private insurance player in the General Insurance industry, growing at around 8% over the previous year. They have during the current year acquired Apollo Munich Health Insurance to strengthen their presence in the rapidly growing Health insurance space in India.

HDFC ERGO Travel Insurance review

HDFC ERGO Travel Insurance
Sum Insured
USD 30,000 to 5,00,000
Number of policies issued *
117,961
Claims settlement ratio **
80.74%
Number of lives covered *
323,908
Incurred claims ratio
37%
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website

How can one Buy a HDFC Ergo Health Insurance policy?

There are many distribution channels that distribute HDFC Ergo Health insurance products that include Agents, Banks and Brokers. One of the key distributors is the Web Aggregators which are online distributors of insurance and the advantage is that they offer a comparison of all insurance products to the customer, to allow them to compare the plans before opting for best HDFC ERGO health insurance plan that most suits his/her needs.
  • Step 1 - Visit HDFC Ergo Compare health insurance to review and compare policy benefits, coverage and premium details online
  • Step 2 - Seek information and clarity on the charges, inclusions, exclusions, other terms and conditions under the policy
  • Step 3 - Fill the HDFC Ergo online Health Insurance proposal form stating your personal details and health profile while ensuring the information given is complete and accurate
  • Step 4 – If this is a Straight through proposal, the premium remitted online will be transferred directly to the insurance company, and the policy will be issued, dispatched and will reach you in 7 working days
  • Step 5 – For Non Straight through cases, HDFC Ergo will process the application forwarded to them. Based on the information provided, one may be required to undergo pre-policy tests at designated diagnostic centers or they may just levy a loading based on the health report
  • Step 6 - If the proposal is accepted, the same will be issued accordingly
  • Step 7 - The Policy Schedule, Policy Wordings, Cashless Cards and Health Guide will be sent to the insured’s mailing address mentioned on the proposal form in the prescribed Turn around time.

How can one Buy a HDFC Ergo Health Insurance policy?

There are many distribution channels that distribute HDFC Ergo Health insurance products that include Agents, Banks and Brokers. One of the key distributors is the Web Aggregators which are online distributors of insurance and the advantage is that they offer a comparison of all insurance products to the customer, to allow them to compare the plans before opting for best HDFC ERGO health insurance plan that most suits his/her needs.
  • Step 1 - Visit HDFC Ergo Compare health insurance to review and compare policy benefits, coverage and premium details online
  • Step 2 - Seek information and clarity on the charges, inclusions, exclusions, other terms and conditions under the policy
  • Step 3 - Fill the HDFC Ergo online Health Insurance proposal form stating your personal details and health profile while ensuring the information given is complete and accurate
  • Step 4 – If this is a Straight through proposal, the premium remitted online will be transferred directly to the insurance company, and the policy will be issued, dispatched and will reach you in 7 working days
  • Step 5 – For Non Straight through cases, HDFC Ergo will process the application forwarded to them. Based on the information provided, one may be required to undergo pre-policy tests at designated diagnostic centers or they may just levy a loading based on the health report
  • Step 6 - If the proposal is accepted, the same will be issued accordingly
  • Step 7 - The Policy Schedule, Policy Wordings, Cashless Cards and Health Guide will be sent to the insured’s mailing address mentioned on the proposal form in the prescribed Turn around time.

HDFC ERGO Segements

Travelling overseas to a foreign land is a great experience, whether it’s a holiday trip in Europe or a Business trip to Tokyo. However, even a smallest glitch or an unforeseen event can make the travel a disaster. Medical emergencies, losses, and delays can be expensive and cause great inconvenience to you (physically) & to your family (mentally).
HDFC ERGO Overseas Travel Insurance will make sure that you are covered against any medical or non medical expenses. So no matter whether you lose your baggage or need any medical or non medical support, HDFC ERGO is there for you giving you the peace of mind...
Following are the travel insurance products:
Hospitalization costs and Medical treatments are getting more and more expensive. The least you want to worry about, when you or your dear ones need treatment is expenditures. HDFC ERGO gives the best health insurance plan for you and your family at affordable price. Safeguard yourself and your family with our health insurance cover and simply concentrate peacefully on the recovery of your health.
Following are the health insurance products:
  • Protects the entire family (spouse, children and dependent parents) at minimum cost
  • HDFC ERGO Home Shield Policy ensures the comprehensive protection for the structure and contents of any home in India.

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HDFC Ergo travel insurance useful links

How to buy online?

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque.

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Already outside India

Travelers who have already traveled from India and do not have insurance can buy HDFC Ergo travel medical insurance after approval.

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HDFC Ergo Travel Insurance Online Renewal

Insurance customers can renew their existing policy online before the exipry date at any time.


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HDFC Ergo Travel Insurance Claims & Customer care

In case of a claim or reimbursement of treatment expenses, notify HDFC Ergo by contacting them.

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HDFC Ergo Travel Insurance Policy Wordings

Kindly refer the Travel Policy Insurance Wordings for complete coverage details along with terms and conditions.


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How are Claims settled?

Are travel insurance directly billed or is it reimbursement basis, is there a hospital network.


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Keep in touch

  • Address

    InstantCover Insurance Web Aggregator Private limited
    710, 6th B Cross, 16th Main Road, Koramangala 3rd Block, Bangalore - 560 034.

  • +91-(80)-41744345
  • Send an email
CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022
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