HDFC Ergo General Insurance Company

HDFC Ergo General Insurance Company is a joint venture between HDFC Ltd and ERGO International AG, the insurance wing of Munich Re Group. Over the past 20 years, they have been catering to the needs of customers by providing a wide range of plans and covers. 

The company offers a range of General insurance products starting from Motor, Health, and Travel in the retail segment and customized policies such as Marine, Property, and Liability Insurance in the corporate segment. Among the private general insurance companies, HDFC Ergo General Insurance tops the chart with 99.8% of claims

They have more than 200+ branches in 170 cities all over the country and have an employee strength of 9700. They have been assigned iAAA rating by ICRA which indicates their high claim-settling ability.

Vision and Mission

Vision and mission


They aspire to become the most admired insurance company that identifies the needs of customers and serve them with the best products in the market

Vision and mission


HDFC Ergo Strongly focuses on innovation and aspires to set new benchmarks as per as the insurance products are concerned in this industry. They go full lengths to honour the commitments and ensure transparency at all levels of operations.


  • Best Covid Strategy Implemented – Customer Experience [Insurance]” category at ET BFSI Excellence Awards 2021
  • Claims and Customer Service Excellence category at FICCI Insurance Industry Awards, 2021
  • Best Customer Experience Award by Kamikaze
  • Best Insurance Company in Private Sector in the year 2014, by International Alternative Investment Review (IAIR)
  • Gold Shield ICAI Awards in the year 2013

CSR Initiative at HDFC Ergo

They champion the cause of Empowering Social Change through their Corporate Social Responsibility programs. They are known for their Gaon Mera PROGRAM, which happens to be an initiative to promote rural education all over the country. Focused on creating a sustainable education system, they have revamped the dilapidated government schools buildings and adopted a fun-based learning approach. More than 10 schools have been renovated and more than 15000 students have benefitted through this initiative of theirs. Additionally, they have also made their presence felt during disaster management through their relief operations and support. They made a big impact during Covid 19 crisis by distributing free ventilators to hospitals, ration kits to underprivileged families and distributing free masks to the tribal children.


Our Product Portfolio

HDFC Ergo Health Insurance

Healthcare is an expensive business in India. No one knows what the future holds for us when it comes to health. A sudden health crisis can be devastating. HDFC Ergo has a comprehensive range of health plans at the most affordable premium catering to the diverse needs of the customer. Some of the benefits of buying a health plan at HDFC Ergo include getting access to a large network of hospitals, tax savings under Section 80D, renewal discounts and various other benefits. Ensuring everyone must have proper healthcare, HDFC has various plans that every common man can afford. To get the maximum benefits, you should have different plans and find the one that fits your requirements.

Health Plans available at HDFC Ergo

  • Optima Secure – Provides coverage from (5 Lakhs – 2 Crore)
  • My Health Suraksha 
  • Optima Restore – Provides coverage from (5 Lakhs – 50 Lakhs)
  • My Health Koti Suraksha – Coverage for (50 Lakhs and 1 crore)
Features of HDFC Health Insurance Policy

  • 13000+ Network Hospitals all over India
  • Tax savings upto 1 Lakh
  • Renewal benefits like free health checkup
  • High CSR rate of 1 claim per minute
  • Get your claim approved with 20 mins
  • Pre and Post hospitalisation cover
  • Alternative treatments like Ayush etc
Coverage – Inclusions and Exclusions

  • Hospitalisation Expenses – Room Rent, ICU charges, Doctor Consultations, Medical Tests
  • Mental Health Treatment
  • Day care treatments 
  • Home Health Care
  • Pre & Post Hospitalisation
  • AYUSH treatment expenses
  • Free Health check up
  • Lifelong Renewability
  • Injuries due to adventure sports
  • Self-inflicted injuries
  • Sexually Transmitted Diseases
  • Injuries due to War or any national conflicts
  • Defence Participation
How to buy Health Insurance at HDFC Ergo?

  • Navigate to the Health Insurance Plan 
  • Go through the various plans available at HDFC health and select the one that fits your needs
  • After selecting the policy, click buy online which will lead you to secure webpage, where you need to provide critical information
  • Determine the Insurance Premium for the policy coverage using insurance calculator
  • Enter the personal details such as Name, address, contact details, and health history
  • Complete the payment and voila you have yourself insured
Why Buy Health Insurance at HDFC Ergo?

It is always advisable to buy a health insurance plan at a young age, as health emergencies come unannounced. That said, HDFC Ergo has revolutionised health care in India with its exceptional services. Mentioned below are the few areas where they hold advantage,

  • Cashless Claim approved within 20 mins
  • 13000+ Cashless Network Hospitals 
  • 1.5 crore + Happily Insured
  • More than 2 decades experience
  • 4.4 Customer rating
  • Short Waiting Period
  • Lower Premium compared to peers