• HDFC ERGO General Insurance

    Car Insurance
    • Protect yourself with third party or complrehensive cover
    • Use bumper to bumper policies to reduce your liability
    • Enjoy facilities like zero depreciation and roadside assistance covers

    Having won the International Alternative Investment Review (IAIR) for ‘Best General Insurance Company’ in the years 2013 and 2014, HDFC ERGO General Insurance has also been rated iAAA by the ICRA for their high ability to make claim payments. Currently, HDFC ERGO General Insurance is present in more than 106 cities across the country, with a workforce of more than 3,000 employees in 120+ branches. HDFC ERGO General Insurance has a number of insurance policies in retail insurance, commercial insurance and rural insurance.  

    Popular Insurance Products Offered by HDFC ERGO General Insurance Company

    HDFC ERGO Car Insurance Policies 

    HDFC ERGO General Insurance has 3 types of car insurance policies – Single Year Comprehensive Car Insurance, Long-Term Comprehensive Car Insurance and Third-party Liability Car Insurance:  

    • Single Year Comprehensive Car Insurance 

    As the name of the policy suggests, this policy is valid for a tenure of 1 year and offers policyholders with the benefit of both, own damage cover as well as the third-party liability cover. Besides accidents, but coverage is extended from the insurer to the policyholder if the vehicle is damaged following a natural calamity, riot, strike, etc., or if the car is stolen.  

    • Long-Term Comprehensive Car Insurance 

    This policy offered by HDFC ERGO General Insurance offers protection against financial losses for a tenure of 3 years. Similar to the above-mentioned comprehensive car insurance policy, this policy has own damage cover and third-party liability cover as well. Policyholders can opt for add-on covers to enhance their coverage and reduce the possible out-of-pocket expenses following an accident or mishap involving the vehicle of the policyholder.  

    • Third-party liability car insurance 

    This is the most basic car insurance policy offered by HDFC ERGO General Insurance. Policyholders are protected from having to bear financial losses that have been caused to the third-party involved in the accident.  

    HDFC ERGO Two-Wheeler Insurance Policies 

    HDFC ERGO General Insurance offers 3 types of two-wheeler insurance policies for two-wheeler vehicle owners as well:  

    • Single Year Comprehensive Two-wheeler insurance policy 

    This policy protects two-wheeler vehicle owners in the country from financial losses caused due to an accident, theft or a natural calamity such as a flood, lightning, earthquake, etc., for a period of 1 year.  

    •  Long-Term Comprehensive Car Insurance policy 

    This policy offers protection to the policyholder and third-party against any damage caused to their property and coverage for medical expenses following an accident or mishap for a period of 2-3 years – as per the choice of the policyholder and vehicle owner.  

    • Third-party liability two-wheeler insurance policy 

    A basic two-wheeler insurance policy, the premium rates are revised every year by the Insurance Regulatory and Development Authority of India (IRDAI) and offers financial protection for the policyholder for damage of the property of the third-party and coverage for medical expenses if the third-party is injured or disabled due to the accident.    

    HDFC ERGO Health Insurance Policies 

    Listed below are 3 popular health insurance plans offered by HDFC ERGO General Insurance:  

    • Health Suraksha Insurance Plan 

    One of the most popular health insurance plans offered by HDFC ERGO General Insurance, Health Suraksha Insurance Plan is both an individual and family floater health insurance policy which offers coverage for hospitalisation expenses. Policyholders can choose a sum assured between Rs.3 lakh and Rs.10 lakh, and the Health Suraksha Insurance Plan also comes with coverage for emergency ambulance expenses, organ harvesting and day care procedures that are less than 24 hours.  

    • My : Health Medisure Classic Insurance Plan 

    A popular HDFC ERGO General Insurance base health insurance policy, this policy comes with benefits such as no limit on entry age, 3 years waiting period for pre-existing diseases, maternity cover, top-up of the sum assured in case of accidental hospitalisation, and coverage for Ayurvedic treatments as well.  

    • Critical illness insurance Plan 

    This health insurance plans offers coverage for 15 critical illness and a lump sum payout when the policyholder is diagnosed with a critical illness. Policyholders have the choice between a Silver Plan or a Platinum Plan. Customers below the age of 45 years will now have to go through a medical screening process to purchase this policy. 

    HDFC ERGO offers a number of other plans as well for individuals, families, senior citizens and parents. Customers can also opt for their personal accident insurance and super top-up insurance plans.  

    HDFC ERGO Travel Insurance Policies 

    HDFC ERGO General Insurance has 4 types of travel insurance plans – Individual Travel Insurance, Family Travel Insurance, Student Travel Insurance and Frequent Flyer Insurance:  

    • Individual Travel Insurance Plan 

    Depending on where the policyholder is travelling, he/she can opt for coverage in Asia, Schengen countries, worldwide plan excluding USA and Canada, or the worldwide coverage. The travel insurance plans come with coverage for emergency medical expenses or evacuation, daily cash allowance in the case of hospitalization, accidental death or disability, etc.  

    • Family Travel Insurance Plan 

    Depending on where the family is travelling to, this plan offers 4 coverage options – Schengen countries, within Asia, worldwide coverage or the worldwide plan that does not include Canada and USA.  

    • Frequent Flyer Insurance Plan 

    Frequent flyers can opt for the annual multi-trip insurance offered by HDFC ERGO General Insurance, which offers coverage up to 45 days for a single trip, in-house settlements and includes a numbers of network hospitals across the globe where policyholders can be treated in the case of medical emergencies.  

    • Student Travel Insurance Plan 

    Students in India pursuing higher studies abroad can opt for the Student Suraksha Travel Insurance Plan offered by HDFC ERGO General Insurance. This plan offers coverage for loss of luggage or passport when travelling, coverage for a compassionate visit if the policyholder is hospitalised in a foreign land, medical evacuation, body repatriation, etc.  

    HDFC ERGO Home Insurance Policies 

    HDFC ERGO General Insurance offers health insurance policies that cater to customers staying in rented houses, those who are house owners, for housing societies and a standalone fire cover insurance plan. The home insurance policies offered by HDFC ERGO General Insurance offer coverage against natural and man-made disasters, accidental damage caused to the house, etc. The home insurance policies offered by HDFC ERGO General Insurance also come with financial protection against fire, electrical breakdowns, and theft.  

    HDFC ERGO Cyber Insurance Plan 

    The e@Secure Insurance plan of HDFC ERGO General Insurance offers protection against cyber bullying, unauthorised transactions, identity theft, e-extortion, etc. Policyholders can opt for an individual or a family cover.  

    HDFC ERGO Commercial Vehicle Insurance Policies 

    HDFC ERGO General Insurance also offers comprehensive motor insurance and third-party liability insurance for commercial and transport vehicles such as tractors, passenger carrying vehicles and goods carrying vehicles. The commercial vehicle insurance policies offer financial protection for the business against losses due to accidents, in the case of theft, natural or man-made calamities, etc.  

    HDFC ERGO Corporate Insurance Policies 

    HDFC ERGO General Insurance offers a number of corporate insurance policies under causality insurance policies, group insurance policies, property insurance, risk consulting services and specialty insurance, to protect major companies and organisations against any sort of financial losses that they could face.  

    On the website of HDFC ERGO General Insurance, customers and policyholders can purchase an insurance policy that they would require, and existing policyholders can renew their policies online as well. In addition, policyholders can cancel their policies online, track their claims, make payments for the premiums, etc.  

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