Head Office
1st Floor, HDFC House,
165-166 Backbay Reclamation,
H.T. Parekh Marg, Churchgate,
Mumbai 400 020
Customer Service
Phone: 1800 2666 400
Phone: 022 62346234 (claims)
Phone: 0120 62346234 (claims)
Email: nsp@hdfcergo.com (network hospital queries)
Email: preauth@hdfcergo.com (authorisation queries)
Email: travelclaims@hdfcergo.com (travel claims)
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About HDFC Ergo
HDFC Ergo is an Indian insurance provider founded in the year 2002. It is a joint venture between Mumbai-based financial conglomerate HDFC and Ergo International AG, a leading German insurance company owned by Munich Re Group. HDFC Ergo’s insurance products include motor, health, home and travel. Individuals, families and companies are catered through the 120+ branches spread across the country. It’s operations across 106 cities are managed by more than 3,000 employees. Further, the third largest general insurance provider boasts a wide distribution network. The company claims to have secured more than 1 crore policies till date. The plans and covers are touted to be reliable as well as affordable for the common public.
Browse the official website here to learn more on the current offerings. The four key insurance products include car insurance, two wheeler insurance, health insurance and travel insurance. You can buy online or through any nearest HDFC Ergo agent. All claims can be made via phone or email. For an overview of the products, the HDFC Ergo car insurance offers customers access to 6800+ cashless network garages. You can opt for third party liability, standalone car insurance plan or comprehensive car insurance.
The comprehensive car insurance gives customers massive discounts on premiums, claims approval within 60 minutes, access to 6800+ garages across the country, unlimited claims, and overnight car repair services. The coverage offered includes accidents, fire, theft and personal accident. There are addons available for zero depreciation cover, emergency assistance, and key replacement cover. Existing car insurance owners can locate nearest garage online or through the HDFC Ergo smartphone app. You can also register and track claims through the website. New customers can compare plans, calculate premium and get brochures online.
For two wheelers, there is Single Year Comprehensive Insurance Plan, Standalone Motor Own Damage Cover, Long Term Comprehensive Insurance and Two Wheeler Liability Only Insurance. The plans offer unlimited claims for accidents, theft or calamities. One of the key products in the portfolio consist of the health insurance. Plans consist of Individual Health Insurance, Family Health Insurance, Parents Health Insurance, Senior Citizens Health Insurance, and Critical Illness Insurance. The most basic individual health insurance plan has affordable premium with sum insured ranging from 3-5 lakh. All premiums can be paid online using debit/credit card or net banking. You can also pay by cheque or cash at nearest branch.
Included in the plans are day care procedures, pre-hospitalisation expenses like doctor consultation and prescription (till 60 days), post-hospitalisation cover (till 180 days), road ambulance, mental healthcare and other expenses like bed charges, nursing charges, blood tests, ICU and consultation fees. Health insurance holders enjoy access to any of the 10,000+ cashless hospitals spread across the country. Best of all, most of the cashless claims gets approved within 20 minutes. And besides this, individuals enjoy tax deduction under Section 80D. The premium depends on the age, family history, pre-existing illness, BMI, location of stay and members covered.
To make a claim, you can download the relevant forms from the Download section on the website. You will need to provide NEFT details along with cancelled cheque when submitting the claim form for reimbursement. To make a claim, before hospitalisation approach the billing desk of the network hospital along with your health card and valid photo ID. The authorisation request will then be sent by the hospital to the insurance provider. The final settlement will be done at the time of discharge after verifying the documents, medical records and hospitalisation expenses. If you have submitted a claim, you can track status online or by calling the customer service. For automobile, once your vehicle is towed to nearest garage the damages and losses will be surveyed. If there has been a major accident or property damage, ensure you file an FIR at the nearest police station.
