HDFC ERGO General Insurance Company Limited Insurance Reviews, Ratings, Best Plans and USPs

HDFC ERGO General Insurance offers a large variety of insurance products. These products are listed below.

HDFC ERGO Car Insurance Policy

The HDFC ERGO car insurance policy protects an individual’s car from a number of different risks that a car can be exposed to when it is on the road. This comprehensive plan offers third-party coverage of up to 7.5 lakhs. The claim ratio of this policy is around 90.35%. Further, HDFC ERGO has a wide network of over 6,800 garages located all across India. Beyond the basic coverage of damages to the car, other benefits provided through this policy are:

• Return to Invoice
• Zero depreciation coverage
• No claim bonus protection
• Emergency assistance
• Roadside assistance
• Gearbox and engine protection cover

HDFC ERGO Commercial Insurance Policy

HDFC ERGO also provides cost-effective and transparent travel insurance plans that include extensive coverage for commercial vehicles. The insurance for commercial vehicles covers any financial losses that can arise from damage or accidents caused to non-personal vehicles.

It is also advised that businesses should invest in commercial vehicle insurance plans. The logic behind this advice is simple because all vehicles perform several strenuous tasks like covering miles in a day, covering rough terrains, loading goods, and unloading goods.

The commercial vehicle insurance policy provided by HDFC ERGO has a cashless claim facility of more than 6800 garages from all across the country. The covered damages can be caused due to accidental fire, theft, terrorism, explosion, or lightning to name just a few. Other benefits of investing in a commercial vehicle insurance plan are:

• Ambulance services
• Reimbursement of towing changes of INR 750, INR 1500, or INR 2500. The exact amount of reimbursement depends on the type of vehicle owned by the policyholder

HDFC ERGO Health Insurance Policy

It is a good idea to invest in a health insurance plan with comprehensive coverage. It would help one to take care of his or her health-related needs without having to worry about finances. In most cases, HDFC ERGO health insurance policy plans cover two adults in case of a family without kids, two adults and one child in case of a family with one kid, and two adults and two children in case of a family with two kids.

There are seven different types of HDFC ERGO health insurance policies or plans. These types of plans are:

• My Health Suraksha Plan

This health insurance plan by HDFC ERGO General Insurance is designed in a manner that protects the policyholders against any rising medical expenses. The main features of the plans include a choice of sum insured levels, which range from INR 3 lakhs to INR 75 lakhs, lifetime renewal, any age entry option, recovery benefits, air ambulance cover, infertility cover, fitness discount at renewal, and health incentives for maintaining good health.

There are also attractive premium rates with long-term policy options of up to 3 years, the choice to pay the yearly premium in three, six, and twelve equal installments, room rent capping, co-pay to avail discounts on premium, family discounts, long term policy discounts, and loyalty discounts.

• Critical Illness Insurance Policy

The critical illness insurance policy plan specifically covers critical illnesses with an assured sum of INR 2.5 lakhs to INR 10 lakhs. This plan also offers several features including cashless hospitalization, easy claim settlement, and pre and post-hospitalization coverage.

• Critical Illness Platinum Insurance Policy

The critical illness platinum insurance policy comes with an assured sum of INR 2 lakhs to INR 10 lakhs. The policy covers 15 different types of critical illnesses. The main feature that distinguishes this plan from the critical insurance plan is that this policy compensates for all income lost by the policyholder when it comes to the treatment.

• HDFC ERGO Two Wheeler Insurance Policy

In the domain of motor insurance, HDFC ERGO is a very common name. The organization provides cost-effective insurance plans to two wheelers. It in a way makes it safer to ride a bike and convenient for the owner to own a bike. These plans cover all possible risks to a two wheeler vehicle.

On top of all this, all these plans are easily available online at highly competitive prices. The HDFC ERGO two wheeler insurance policy also protects against accidental damages and a personal cover of INR 1 lakh for the owner of the vehicle. The organization also gives around-the-clock support to the owner of the vehicle.

For this policy, there is zero documentation required and a very transparent claim settlement process. There are also some exclusions in this policy. These exclusions are:

• Mechanical failure or breakdown
• Damage or loss outside the country or during a nuclear war
• General wear and tear
• Damaged caused to the vehicle while driving without a license
• Depreciation
• Damage to the vehicle caused by an individual who was driving under the influence of alcohol or drugs

HDFC ERGO Travel Insurance Policy

Traveling is often described as the one thing that an individual can do to bring peace to his or her soul and gain wealthy experience. Traveling can consist of making wonderful memories that an individual ends up cherishing for the rest of his or her life. However, what if something bad happened in a location that an individual is not familiar with? To avoid such issues, it is always a good idea to get travel insurance.

HDFC ERGO travel insurance policy consists of comprehensive coverage of all possible risks that one can experience when traveling abroad. Under this policy, the following things are covered.

• Medical expenses
• Trip cancellation charges
• The loss experienced due to damage or loss of goods

HDFC ERGO travel policy is extremely cost-effective as it provides an option to pay per day. This means that the policyholder only has to pay for the days that he or she is staying abroad. One can also access real-time assistance in regards to the policy on the official website. One can also buy this policy online.

HDFC ERGO Personal Accident Policy

Life is full of uncertainties and one doesn’t often know what he or she might have to face next. This is why it is a good idea to invest in HDFC ERGO personal accident policy. This policy aims to take care of the policyholder and his or her loved ones in their time of need.

The policy provides financial assistance to the policyholder’s family in case of permanent disability, temporary disability, or death of the policyholder. The sum assured of this policy can range from INR 2.5 lakhs to INR 15 lakhs. The sum received is subject to the injury that was caused to the policyholder.

The HDFC ERGO personal accident policy can be purchased by anyone under the age of 65. There are also no boundary limits associated with this policy. The organization further offers a family coverage plan within the same policy.

HDFC ERGO Home Insurance Policy

Investing in a house is a big undertaking because one also signs up to protect that house. One way to do that is by purchasing an HDFC ERGO home insurance policy. This policy protects the house against all possible damages and calamities.

HDFC ERGO home insurance policy provides a unique insurance plan that covers the structure as well as the components present inside the home for up to a total of 5 years. All of this is available at a very affordable premium.

The policy plan also covers risks that are related to fire, burglary, explosion, lightning, flood, or implosion. An extra discount of up to 25% is also offered for getting security features installed in the house. The process of purchasing this policy is completely hassle-free as the documentation requirement is negligible.

There are two plans that fall under this policy. The first plan contains coverage against fire and other perils that can befall a building or its contents. The second plan includes damages caused to the house and its content due to housebreaking and burglary.

Best Policies of Brand

HDFC ERGO General Insurance is very popular when it comes to providing health insurance plans to its customers. The best policies of this brand in the current market are mentioned below.