HDFC ERGO General Insurance Company Limited

HDFC Ergo General Insurance Company Limited is a leading name in the general insurance industry. The company has been established as a joint venture between HDFC Limited and ERGO International AG. While HDFC Limited is a leading financial services company of India, ERGO International AG is the main insurance company of the Munich Re Group. HDFC Ergo offers a range of general insurance products which meet the insurance requirements of common individuals as well as corporate entities. You can find motor insurance plans, travel insurance plans, fire insurance plans, commercial insurance plans and health insurance plans offered by HDFC Ergo. All the company’s plans provide a good scope of cover and come with competitive premiums.

HDFC ERGO general insurance review – Facts about the company

Here are some important facts about HDFC ERGO General Insurance Company – 

1. The company is spread across more than 170 cities of India with 200+ branches and 7000+ employees working for it
2. ICRA has conferred the company with a rating of ‘iAAA’ because of the high claim settlement record that the company has
3. The company also enjoys ISO certification for its efficient services in customer service, policy issuance, technological developments, etc.
4. The company has won various awards over the years since it was established.
5. More than 1 crore customers are currently being served by HDFC ERGO general insurance plans

HDFC ERGO general insurance review – Key features of HDFC ERGO general insurance plans

HDFC general insurance plans have the following salient features-

1. A range of health insurance policies is issued by the company. You can buy both indemnity oriented plans and fixed benefit plans for your coverage needs. Moreover, there are COVID specific plans too that are offered by the company 
2. HDFC general insurance plans offer a complete scope of coverage at affordable premium rates
3. You can get 24*7 assistance for any query, complaint or feedback that you have
4. HDFC ERGO’s plans are transparent in nature with no hidden clauses
5. Claims under HDFC ERGO general insurance plans are settled in a smooth and hassle-free manner in the shortest possible time

Benefits of HDFC ERGO general insurance plans

HDFC ERGO offers some of the best insurance plans. Moreover, its plans also provide you with the following benefits –

1. The company offers you round the clock assistance for your grievances and product-related queries
2. 90% of the pre-authorised cashless claims which are made under HDFC ERGO health insurance plans are approved by the company within 20 minutes. This ensures that your claim settlement is easy and quick
3. Many HDFC ERGO general insurance policies are issued online without the need of lengthy paperwork. This makes buying the policies an easy affair
4. The company has a network of more than 10,000 hospitals and 7400+ garages across India to cater to cashless claim settlements
5. Under its car insurance plans, you can avail overnight repair services
6. Commercial insurance plans offered by the company provide complete business insurance solutions to organizations

Types of HDFC ERGO general insurance plans

HDFC ERGO General Insurance Company offers different types of general insurance plans. These types of plans, and their respective policies, are mentioned below –

Health insurance plans

Health insurance plans cover the medical contingencies suffered and their financial implications. HDFC general insurance offers different types of health insurance plans that are as follows –

1. HDFC ERGO my:health Suraksha Insurance Silver Smart Plan
   This is an indemnity health insurance plan which allows affordable coverage levels and covers the medical costs that you actually incur. The salient features of the plan are as follows:
1. The plan can be bought by individuals, by families and also by senior citizens
2. There is no sub-limit on the room rent
3. The sum insured is reinstated if your base sum insured is used up in a policy year
4. In-home treatments can also be taken on a cashless basis
5. Mental illnesses are also covered under the plan
6. Optional covers are also available with the plan for a more inclusive scope of coverage

Eligibility conditions of HDFC ERGO my:health Suraksha Insurance – Silver Smart Plan

Entry age	18 years onwards Dependent children can be covered from 91 days to 25 years
Term of the plan	1 to 3 years
Sum insured	INR 3 lakhs to INR 5 lakhs
Pre-entrance health check-up	Not required till 45 years of age and up to INR 20 lakhs sum insured
No claim bonus	10% increase in sum insured for each claim-free year up to a maximum of 100%
Pre-existing waiting period	3 years

2. HDFC ERGO my:health Suraksha Insurance Gold Smart Plan
   This is a more comprehensive version of the Silver Smart Plan. The plan also covers actual medical expenses and comes with a range of add-on covers. The salient features of the plan are as follows –
1. Air ambulance cover is available under the plan for up to INR 2 lakhs
2. You get a lump sum recovery benefit if you are hospitalised for 10 or more days
3. Free annual health check-ups are allowed under the plan
4. Maternity cover can be taken as an optional cover by paying an additional premium
5. Critical illness and hospital cash benefit add-ons can be taken under the policy

Eligibility conditions of HDFC ERGO my:health Suraksha Insurance – Gold Smart Plan

Entry age	18 years onwards Dependent children can be covered from 91 days to 25 years
Term of the plan	1 to 3 years
Sum insured	INR 7.5 lakhs, INR 10 lakhs and INR 15 lakhs
Pre-entrance health check-up	Not required till 45 years of age and up to INR 20 lakhs sum insured
No claim bonus	10% increase in sum insured for each claim-free year up to a maximum of 100%
Pre-existing waiting period	3 years

3. HDFC ERGO my:health Suraksha Insurance – Platinum Smart Plan
   This is the most premium cover under the HDFC ERGO my:health Suraksha health insurance plans. The plan provides coverage for almost all types of medical expenses as well as options for policy extensions and riders. The salient features of the policy are as follows –
1. There is no limit on the entry age. Individuals of all ages can buy the plan
2. Coverage up to INR 75 lakhs can be taken under this variant
3. Both road and air ambulance cover is available under the plan
4. The sum insured is refilled if it is exhausted on previous claims in the same policy year
5. Coverage for infertility treatments can be taken as an optional benefit
6. There are premium discounts for adding two or more family members and also for buying more than one policy from HDFC ERGO

Eligibility conditions of HDFC ERGO my:health Suraksha Insurance – Platinum Smart Plan

Entry age	18 years onwards Dependent children can be covered from 91 days to 25 years
Term of the plan	1 to 3 years
Sum insured	INR 7.5 lakhs, INR 10 lakhs and INR 15 lakhs
Pre-entrance health check-up	Not required till 45 years of age and up to INR 20 lakhs sum insured
No claim bonus	25% increase in sum insured for each claim-free year up to a maximum of 200%
Pre-existing waiting period	3 years

4. HDFC ERGO Health Suraksha Silver Plan
   This is a simple health insurance plan which offers affordable coverage and has the following salient features –
1. Inpatient hospitalisation has no sub-limits on room rent or other expenses
2. A no claim bonus of 5% is allowed for each claim-free year
3. You can buy the policy at any age as there is no limit on entry age
4. The policy can be taken on an individual or floater sum insured basis
5. 10% premium discount is allowed if two or more family members are covered under the plan on individual sum insured basis
6. Coverage is also available for non-allopathic AYUSH treatments
7. Free health check-ups are allowed once after every four claim-free years

Eligibility conditions of HDFC ERGO Health Suraksha Silver plan

Entry age	18 years onwards Children aged 5 years and above can be covered if both parents are covered
Term of the plan	1 or 2 years
Sum insured	INR 3 lakhs to INR 7.5 lakhs
Pre-entrance health check-up	Not required until 45 years of age
No claim bonus	5% increase in sum insured for each claim-free year up to a maximum of 50%
Pre-existing waiting period	4 years

5. HDFC ERGO my:health Medisure Super Top-up Insurance plan
   This is a super top-up health insurance policy which has a specific deductible limit. If the total claims in a policy year exceed the deductible limit, the plan pays the excess claim. This plan can be taken to increase your sum insured. The features of the plan are as follows –
1. There are different combinations of the sum insured and deductible options to choose from
2. The premiums remain fixed after you attain 61 years of age
3. No capping is done on inpatient hospitalisation coverage
4. You can buy the policy either on an individual basis or on a family floater sum insured basis
5. Premiums are not increased on renewals even if a claim is made
6. 5% premium discount is allowed if you buy a two-year policy

Eligibility conditions of HDFC ERGO my:health Medisure Super Top-up Insurance Plan

Entry age	18 years to 65 years Dependent children – 91 days to 23 years
Term of the plan	1 or 2 years
Sum insured	INR 3 lakhs to INR 20 lakhs
Deductible limit	INR 2 lakhs to INR 5 lakhs
Pre-entrance health check-up	Not required until 55 years of age
Pre-existing waiting period	3 years

6. HDFC ERGO Critical Illness Silver Plan
   This is a fixed benefit health insurance plan which covers a list of critical illnesses. If you are diagnosed with any of the covered illness, the plan pays the sum insured in lump sum irrespective of the medical costs that you incur. The features of the plan are as follows- 
1. 8 major illnesses are covered under the plan
2. Coverage of up to INR 50 lakhs can be taken against the covered illnesses
3. You can choose the survival period after which the critical illness claim would be paid by the company

Eligibility conditions of HDFC ERGO Critical Illness Silver plan

Entry age	5 years to 65 years
Term of the plan	1 year
Sum insured	INR 1 lakh to INR 50 lakhs
Pre-entrance health check-up	Depends on the age and sum insured selected

7. HDFC ERGO Critical Illness Platinum Plan
   This is also a critical illness health insurance plan which pays a fixed benefit on diagnosis of the covered illnesses. However, the plan covers more illnesses and has the following features –
1. 15 critical illnesses are covered under the plan
2. The policy can be renewed lifelong
3. The survival period can be chosen to be as low as 15 days

Eligibility conditions of HDFC ERGO Critical Illness Platinum plan

Entry age	5 years to 65 years
Term of the plan	1 year
Sum insured	INR 1 lakh to INR 50 lakhs
Pre-entrance health check-up	Depends on the age and sum insured selected

8. HDFC ERGO Health Suraksha Top-up Plan
   This is a supplemental health insurance plan like a super top-up plan. Under this plan also the aggregate claims are considered against the deductible limit and if the total claim in a year exceeds the deductible limit, the claim is paid. The features of the plan are as follows –
1. You can buy the plan on a family floater basis also
2. If you insure three or more family members on an individual coverage basis, you can avail a premium discount of 10%
3. There are no sub-limits on room rents, doctor’s fee and other inpatient hospitalisation expenses
4. Domiciliary treatments are also covered under the policy

Eligibility conditions of HDFC ERGO Health Suraksha Top-up Plan 

Entry age	5 years to 65 years Children aged 91 days and above can be covered if both parents are also covered under the policy
Term of the plan	1 or 2 years
Sum insured	INR 3 lakhs to INR 10 lakhs
Deductible limit	INR 2 lakhs to INR 5 lakhs
Pre-entrance health check-up	Not required till 55 years of age
No claim bonus	5% increase in sum insured after every claim-free year
Pre-existing waiting period	4 years

9. HDFC ERGO Day2Day Care

This health plan is designed specifically the outpatient expenses that you incur on consultations, medicines and diagnostic tests. The features of the plan are as follows –

1. The plan can be taken on an individual or family floater basis
2. Both general and specialist consultations are covered
3. There is no waiting period and OPD expenses are covered from the first day itself
4. 100% cashless settlement is available at the networked hospitals

Eligibility conditions of HDFC ERGO Day2Day Care

Entry age	91 days to 65 years Children can be covered up to 25 years of age under a floater plan
Term of the plan	1 or 2 years

10. HDFC ERGO Maxima

This is a unique health plan that covers both in-patients as well as outpatient expenses. The salient features of the plan are as follows –

1. Coverage for doctor’s consultations, pharmacy, diagnostic tests, health check-ups, etc. are available on an outpatient basis
2. You can avail outpatient coverage for your pre-existing illnesses too
3. A range of inpatient coverage benefits are also available
4. There is an option of adding the critical illness cover for making the plan comprehensive

Eligibility conditions of HDFC ERGO Maxima

Entry age	91 days to 65 years
Term of the plan	1 year
Sum insured	INR 3 lakhs
Pre-entrance health check-up	Depends on age and sum insured
No claim bonus	10% increase in sum insured after every claim-free year
Pre-existing waiting period	3 years

11. HDFC ERGO Health Easy Health Plan 

This is a very popular health insurance policy that offers a complete scope of coverage under different plan variants. The main features of the plan are as follows –

1. Both individual and family floater variants of the plan are available
2. The plan comes in three different variants of Standard, Exclusive and Premium
3. Critical illness rider is an optional cover under the plan
4. OPD coverage is available under the Premium variant 

Eligibility conditions of HDFC ERGO Health Easy Health Plan 

Entry age	5 years to 65 years Children aged 91 days and above can be covered if either parent is covered
Term of the plan	1 or 2 years
Sum insured	INR 2 lakhs to INR 50 lakhs
Pre-entrance health check-up	Depends on age and sum insured
No claim bonus	10% increase in sum insured after every claim-free year
Pre-existing waiting period	3 years

12. HDFC ERGO Health Dengue Care Plan 

As the name suggests, this is a dengue specific health insurance plan that covers the medical costs incurred if you suffer from dengue. The features of the plan are as follows –

1. No pre-entrance health check-ups are needed to buy the policy
2. The premium is a flat amount irrespective of your age. It depends on the sum insured selected
3. Coverage for both inpatient and outpatient expenses is allowed if you suffer from dengue
4. There is only a waiting period of 15 days before coverage is allowed

Eligibility conditions of HDFC ERGO Health Dengue Care

Entry age	91 days to 65 years
Term of the plan	1 year
Sum insured	INR 50,000 and INR 1 lakh
Pre-entrance health check-up	Not needed
Pre-existing waiting period	15 days

13. HDFC ERGO Health Energy Plan 

This is a diabetes-specific health insurance plan that provides coverage to individuals suffering from diabetes. The plan also covers diabetes-related complications. The features of the plan are as follows –

1. Both Type 1 and 2 diabetes is covered under the plan
2. The plan allows a personalized health coach and wellness program to monitor your health continuously
3. No pre-existing waiting period is applicable for the coverage of illnesses resulting from diabetes or hypertension
4. Reward points are allowed for healthy living which helps you reduce your premium

Eligibility conditions for HDFC ERGO Health Energy Plan 

Entry age	18 years to 65 years
Term of the plan	1 year
Sum insured	INR 2 lakhs to INR 50 lakhs
Pre-entrance health check-up	Depends on age and sum insured
Pre-existing waiting period	2 years

14. HDFC ERGO Health iCan Plan 

This is an indemnity oriented cancer-specific health plan which covers medical costs incurred due to cancer. The salient features of the policy are as follows –

1. Two plan variants of Essential and Enhance are available
2. Criticare and Familycare benefits can be added as optional coverage benefits under the Enhance variant
3. Chemotherapy and radiotherapy are also covered

Eligibility conditions for HDFC ERGO Health iCan Plan 

Entry age	5 years to 65 years
Term of the plan	1 year
Sum insured	INR 5 lakhs to INR 50 lakhs
Pre-entrance health check-up	Depends on age and sum insured
Pre-existing waiting period	120 days

15. HDFC ERGO Health Individual Personal Accident Plan 

This is a personal accident insurance policy that covers accidental deaths and disablements. The salient features of the plan are as follows –

1. Coverage for accidental inpatient hospitalisation is available along with the benefit of sum insured restoration
2. OPD expenses incurred due to an accident are also covered
3. Coverage for adventure sports is allowed
4. The plan provides a comprehensive scope of coverage with a range of coverage benefits

Eligibility conditions of HDFC ERGO Health Individual Personal Accident Plan 

Entry age	91 days to 69 years
Term of the plan	1 year
Sum insured	INR 20 lakhs to INR 10 crores

16. HDFC ERGO Health Wallet Plan 

This is a unique health plan that allows you to carry forward the unutilized coverage to the next year. The salient features of the plan are as follows –

1. The Reserve Benefit carries forward the unused coverage and also allows the additional interest of 6% on the carried forward balance
2. Restore Benefit restores the sum insured is exhausted
3. Preventive health check-ups are allowed

Eligibility conditions of HDFC ERGO Health Wallet

Entry age	91 days to 65 years Children aged between 91 days to 5 years can be covered if either parent is covered
Term of the plan	1 year
Sum insured	INR 3 lakhs to INR 50 lakhs
Pre-entrance health check-up	Depends on age and sum insured
No claim bonus	50% increase in sum insured after every claim-free year
Pre-existing waiting period	3 years

17. HDFC ERGO Health Optima Senior Plan 

This is a senior citizen health insurance policy that allows you to avail coverage for individuals aged 60 years and above. The salient features of the plan are as follows –

1. The premium is not increased due to previous claims in the policy
2. Medical e-opinion is available in case of critical illnesses
3. There is no limit on the maximum entry age

Eligibility conditions of HDFC ERGO Health Optima Senior Plan 

Entry age	61 years onwards
Term of the plan	1 year or 2 years
Sum insured	INR 2 lakhs to INR 5 lakhs
Pre-entrance health check-up	Depends on age and sum insured
No claim bonus	5% discount on renewal premium
Pre-existing waiting period	3 years

18. HDFC ERGO Health Optima Super Plan 

This is a super top-up health insurance plan that allows you to enhance existing health insurance coverage at affordable rates. The features of the plan are as follows –

1. You can switch your plan to a nil deductible policy on the renewal date and enjoy coverage without any deductible limit
2. Day care and organ donor treatments are covered

Eligibility conditions of HDFC ERGO Health Optima Super Plan 

Entry age	91 days to 65 years Children aged between 91 days and 5 years can be covered if either parent is covered
Term of the plan	1 year to 3 years
Sum insured	INR 5 lakhs to INR 10 lakhs
Deductible limit	INR 1 lakh to INR 10 lakhs
Pre-entrance health check-up	Depends on age and sum insured
Pre-existing waiting period	4 years

19. HDFC ERGO Health Optima Restore 

This is a comprehensive health insurance plan that allows different types of coverage benefits and can be taken for self or for the whole family. The features of the plan are as follo0ws –

1. The Stay Active feature of the plan allows premium discounts if you walk a specified number of steps during the policy tenure
2. The plan allows sum insured restoration if the coverage is exhausted on a previous claim
3. The sum insured is doubled up after two successive claim-free years
4. There are no sub-limits on room rent

Eligibility conditions of HDFC ERGO Health Optima Restore Plan 

Entry age	91 days to 65 years Children aged between 91 days and 5 years can be covered if either parent is covered
Term of the plan	1 year or 2 years
Sum insured	INR 3 lakhs to INR 50 lakhs
Pre-entrance health check-up	Depends on age and sum insured
No claim bonus	50% increase in sum insured after every claim-free year
Pre-existing waiting period	years

20. HDFC ERGO Corona Kavach Policy 

This is a standard health insurance policy that covers hospitalisation and the medical expenses incurred due to Coronavirus. The features of the policy are as follows –

1. Home treatment expenses are covered
2. There are no sub-limits or deductibles under the plan
3. Coverage is allowed for consumables as well as for any other expenses incurred on COVID hospitalisation

Eligibility conditions of HDFC ERGO Corona Kavach Policy 

Entry age	18 years to 65 years Dependent children aged 1 day to 25 years can be covered under the floater plan
Term of the plan	3.5 months, 6.5 months or 9.5 months
Sum insured	INR 50,000 to INR 5 lakhs
Pre-existing waiting period	15 days

21. HDFC ERGO Arogya Sanjeevani Policy 

This is a standard health insurance plan that was issued as per the directives of the insurance regulator. The plan provides a comprehensive scope of coverage at affordable premiums. The features of the policy are as follows –

1. Premiums can be paid in instalments
2. Dental and plastic surgery due to an accident are covered
3. Coverage is allowed for AYUSH treatments
4. Advanced medical treatments are also covered by the plan

Eligibility conditions of HDFC ERGO Arogya Sanjeevani Policy 

Entry age	91 days to 65 years Children aged 3 months to 25 years can be covered under the floater variant
Term of the plan	1 year
Sum insured	INR 1 lakh to INR 10 lakhs
Pre-entrance health check-up	Depends on age and sum insured
No claim bonus	5% increase in sum insured after every claim-free year
Pre-existing waiting period	4 years

22. HDFC ERGO my:health Suraksha Silver ECB & Rebound 

This is a variant of the my:health Suraksha Silver Plan with enhanced coverage benefits. The salient features of the plan are as follows –

1. There is no capping on the room rent
2. The plan allows attractive premium discounts that make the policy affordable 
3. Mental healthcare expenses are covered by the policy
4. The sum insured is restored if it is exhausted in a policy year on previous claims

Eligibility conditions of HDFC ERGO my:health Suraksha Silver ECB & Rebound

Entry age	91 days onwards Children aged between 91 days and 25 years can be covered on a floater basis
Term of the plan	1 year to 3 years
Sum insured	INR 3 lakhs to INR 50 lakhs
Pre-entrance health check-up	Depends on age and sum insured
No claim bonus	10% increase in sum insured after every claim-free year
Pre-existing waiting period	4 years

23. HDFC ERGO my:health Women Suraksha Plan 

This is a women-specific health insurance policy that allows coverage only to women. The salient features of the plan are as follows – 

1. Different types of plans are offered under this policy and each coverage allows coverage for women-centric illnesses and diseases
2. All women in the family can be covered under a single plan
3. A range of optional coverage benefits are also allowed by the plan

Eligibility conditions of HDFC ERGO my:health Women Suraksha Plan 

Entry age	18 years to 65 years
Term of the plan	1 year to 3 years
Sum insured	INR 1 lakh to INR 1 crore
Pre-entrance health check-up	Depends on age and sum insured
Pre-existing waiting period	4 years

24. HDFC ERGO Health Suraksha Top-up Plus Plan 

This is a super top-up health plan that allows you to enjoy higher coverage levels at affordable premium rates. The salient features of the policy are as follows –

1. There are no sub-limits on room rent or any other diseases
2. Domiciliary treatments have been covered the plan
3. Attractive premium discounts are available

Eligibility conditions of HDFC ERGO Health Suraksha Top-up Plus Plan 

Entry age	years to 65 years Children aged between 91 days and 5 years can be covered if either parent is covered under the plan
Term of the plan	1 year or 2 years
Sum insured	INR 3 lakhs to INR 10 lakhs
Deductible limit	INR 2 lakhs to INR 5 lakhs
Pre-entrance health check-up	Not required till 55 years of age
Pre-existing waiting period	4 years

Coverage and exclusions under HDFC Ergo health insurance plans

Now that you know the different policies offered by HDFC Ergo, let’s have a look at the coverage benefits and exclusions which are common to the above-mentioned health insurance plans –

1. Coverage benefits
   1. Inpatient hospitalisation expenses which include the cost of room rent, doctor’s fee, nurse’s fee, treatment costs, etc.
   2. Pre hospitalisation expenses
   3. Post hospitalisation expenses
   4. Daycare treatments
   5. Cost of road ambulance
   6. Domiciliary treatments which are taken at your home
   7. Organ donor treatments where the cost of harvesting the organ is covered
   8. Free health check-ups at specified intervals during the policy
2. Exclusions
   1. Pre-existing illnesses are not covered from the start of the policy. They are covered after a specified waiting period
   2. Illnesses incurred within the first 60 to 90 days of buying the policy are not covered
   3. Pregnancy-related costs and expenses are not covered unless they are specifically included in the plan’s coverage benefits
   4. Cosmetic treatments, LASIK surgery, dental treatments, etc. are not covered
   5. Unproven and experimental treatments are not covered
   6. Self-inflicted injuries and attempted suicides are excluded from coverage
   7. Injuries or illnesses due to war, radiation, nuclear contamination, etc. are not covered
   8. Participation in defence-related activities or any other hazardous activities would not be covered
   9. HIV/AIDS and other sexually transmitted illnesses are not covered

How to make a claim in HDFC ERGO health insurance plans?

Claims under HDFC Ergo health insurance plans occur when you or your insured family member faces a medical emergency and is hospitalised. In the case of claims, the following steps should be taken –

1. Inform HDFC Ergo immediately about the claim
2. Locate the networked hospital closest to your area and get admitted there for cashless claims
3. You would have to fill up a pre-authorization form and submit it with HDFC Ergo for cashless claims. This form should be submitted either within 24 hours of an emergency hospitalisation or 3-4 days before a planned hospitalisation
4. Based on the pre-authorization form, the claim would be approved
5. You can take treatments at the hospital and the insurance company would bear the medical costs
6. After you are discharged, fill up the claim form and submit it with other claim related documents to get the claim settled
7. If you have taken treatments at a hospital which is not tied-up with HDFC Ergo, your claim would be settled on a reimbursement basis. You would have to pay the medical costs yourself and get treated. After discharge, submit the claim form and the relevant documents and the insurance company would reimburse the costs that you have incurred.

Alternatively, if you buy your policy through Turtlemint, you do not have to take the above-mentioned steps. You just have to inform Turtlemint at 1800 266 0101 or claims@turtlemint.com and the company would take up your claim. Turtlemint would coordinate with HDFC Ergo, follow the claim procedure and get your claim settled at the earliest.

Motor insurance

Motor insurance plans cover private or commercial vehicles against damages suffered. Moreover, the mandatory third party coverage provides coverage against third party liabilities suffered due to the vehicle. 

Motor insurance plans include car insurance plans, bike insurance plans as well as plans covering goods carrying vehicles and tractors. HDFC ERGO offers different types of motor insurance plans that are discussed below –

1. Car insurance plans

   Car insurance plans cover cars, both private and commercial. HDFC ERGO offers the following types of car insurance policies –

   Type of policy	Meaning
   Single Year Comprehensive Plan	This plan provides both third parties and own damage cover to the car for a period of one year
   Third-Party Cover	This is a standalone third-party liability insurance policy. The cover is granted for one year
   Stand Alone Own Damage Cover	This policy provides coverage only for the damages suffered by the insured car. Third-party liability coverage is not allowed under the plan. The policy is issued for a period of one year
   Cover for Brand New Cars	This is a bundled car insurance policy available for only new cars. Under the plan, third party liability coverage is allowed for 3 years while own damage cover is allowed for one year

2. Two-wheeler insurance plans

   Two-wheeler insurance plans allow coverage to two-wheelers like bikes, scooters, etc. HDFC ERGO offers different types of two-wheeler insurance plans which are described below –

   Type of policy	Meaning
   Multi-Year Comprehensive Two Wheeler Insurance	This is a comprehensive package policy that allows coverage for both third party and own damages. You are given the option to buy the policy for a period of 1 to 3 years
   Third-Party Cover	This is a standalone third-party liability policy that is offered for a period of one year
   Stand Alone Own Damage Cover	This is a standalone own damage policy that covers only the damages suffered by the two-wheeler. Third-party coverage is not allowed. The policy is issued for one year only if you already have a valid third party cover on the two-wheeler
   Cover for Brand New Bikes	This is a bundled policy that offers 5-year third party cover and one year own damage cover. The policy is available only for new bikes

3. Other motor insurance plans

   Besides car and bike insurance plans, HDFC ERGO also offers the following policies –

   1. Tractor insurance 
   2. Goods Carrying Vehicle Insurance
   3. Passenger Carrying Vehicle Insurance 

Inclusions and exclusions under HDFC ERGO motor insurance plans

Here are the coverage and exclusions of HDFC ERGO motor insurance plans –

Coverage 

• Third-party liability suffered due to the death of a third party
• Third-party liability suffered due to physical injury suffered by a third party
• Third-party liability suffered due to third party property damage
• Damages suffered by the vehicle due to natural causes like floods, earthquakes, lightning, storm, etc.
• Damages suffered by the vehicle due to man-made causes like fire, explosion, riots, malicious damages, etc.
• Theft of the vehicle
• Damages suffered by the vehicle when it is being transported

Exclusions 

• Mechanical or electrical breakdowns
• Depreciation
• Normal wear and tear due to vehicle use
• Illegal driving, i.e. under the influence of alcohol or drugs or without a valid driving license
• Driving outside the Indian borders
• Deliberate accidents or attempted suicides
• Acts of criminal nature
• Damages suffered due to war or related perils

How to make claims under HDFC ERGO motor insurance plans?

In case of damages suffered that are covered under the motor insurance policy, there is a claim. To get the settlement of the claim, the following process should be followed –

• Inform HDFC ERGO immediately about the claim by calling its claim helpline number.
• HDFC ERGO would inform you of the nearest preferred garage where you can avail cashless claims. If you get your vehicle repaired at a non-networked garage, you would have to pay the bills and the claim would be settled on a reimbursement basis
• In case of theft or third party claim, a police FIR would be needed
• For own damage claims, the surveyor would visit the garage and assess the damages suffered. The surveyor would make a claim estimate and submit the report to the insurance company
• The company would approve the claim based on the surveyor’s report and the garage would start repairs
• The bills would be settled directly by the insurer if the garage is a preferred garage. Once the vehicle is repaired, you can complete the claim process and take delivery of your vehicle
• In the case of third party claims, the insurance company would pay the compensation to the third party after the motor accidents tribunal passes the judgement
• In case of theft, the police would try and find the vehicle. If the vehicle is not traced, the police would issue a non-traceable certificate. Submit this certificate to the insurance company and the claim would be paid.

You can also use Turtlemint’s help to get your claims settled. Turtlemint has a dedicated claim-handling department that follows the claim process on your behalf and helps you get your claims settled at the earliest. You can call 1800 266 0101 or write an email to support@turtlemint.com and get assistance in claim settlement.

Travel insurance

Travel insurance plans are those that cover the financial risks faced when you are travelling. HDFC ERGO offers different types of travel insurance plans depending on the purpose of travel and also on the destination travelled. 

The list of travel insurance plans offered by HDFC ERGO General Insurance Company is as follows –

Travel insurance plans	Brief Description
HDFC ERGO Easy Travel Plan	The policy covers leisure as well as business travel taken to an international location. The plan comes in different variants of Platinum, Gold, Silver, Bronze and Asian region. The sum insured starts from USD 25,000 and goes up to USD 500,000
HDFC ERGO Health EduCare Plan	This is a student travel insurance plan designed for students travelling overseas for higher education. The plan comes in four variants of Platinum, Gold, Silver and Bronze. The sum insured ranges from USD 50,000 to USD 500,000
HDFC ERGO Travel Insurance	This is an international travel insurance policy with four different variants – Titanium, Platinum, Gold and Silver. You can buy the policy on a single trip basis or on an annual multi-trip basis
HDFC ERGO Student Suraksha	This is a policy for students who travel abroad for higher education. Coverage starts from 30 days and can be taken for up to 2 years. There are five coverage variants and the sum insured goes up to USD 500,000

Home insurance

Home insurance plans cover your home and its contents against damages and theft. Damages due to man-made and natural calamities are covered by HDFC ERGO home insurance plans. Moreover, there are four types of policies under this category. These are as follows –

• Home Credit Assure
• Home Shield Insurance
• Home Insurance 
• Standard Fire and Special Perils Insurance

Commercial insurance

Commercial insurance plans are those that are offered to corporates and organizations for the risks suffered by them. HDFC ERGO General Insurance offers a range of commercial insurance plans some of which include the following –

• Cyber Insurance
• Commercial Vehicle Insurance
• Casualty Insurance
• Group Insurance
• Property & Miscellaneous Insurance
• Specialty Insurance, etc.

Rural Insurance 

Rural insurance plans are those that are developed for the insurance needs of the rural population. HDFC ERGO offers three types of rural insurance plans that are as follows –

• Pradhan Mantri Fasal Bima Yojana
• Cattle Insurance Policy
• Rainfall Index Insurance

How to buy HDFC Ergo general insurance plans?

You can buy HDFC Ergo general insurance plans online through the company’s website or through Turtlemint. While the company’s website would allow you to buy the plan that you want, on Turtlemint you would be given a choice of similar insurance plans for comparison. This comparison would allow you to compare the coverage benefits of different plans and then select the plan which has the best features without taxing your pockets.

To buy through Turtlemint, you should take the following steps –

1. Visit https://www.turtlemint.com/ and choose the type of insurance cover that you need
2. Provide your details based on which the coverage and premium would be calculated. 
3. Once the details are entered, you would be shown a list of some of the best insurance policies which would also include HDFC Ergo insurance plans
4. Compare the plans and choose the best one
5. Fill up an online application form and pay the premium online to buy the policy quickly

Things to consider before buying HDFC Ergo general insurance policies

Before you buy an HDFC Ergo insurance policy, the following points should be kept in mind –

1. The sum insured should not be too low. You should opt for an optimal coverage level which would help you meet the financial losses optimally
2. Look for different types of premium discounts offered by HDFC Ergo insurance plans. These discounts would lower your premiums
3. The premiums should be affordable so that you can enjoy uninterrupted coverage 
4. Choose the right policy as per your coverage needs 

How to renew HDFC Ergo general insurance plans?

General insurance plans allow uninterrupted coverage if you renew them on time. To renew the policy, you can visit HDFC Ergo’s official website https://www.hdfcergo.com/ and choose ‘Renew’. Then provide your policy details, pay the renewal premium and the policy would be renewed online.

If you have bought the policy from Turtlemint, you can log into your online Turtlemint account, choose the policy and click on ‘Renew’. Renewal would be done instantly when you pay the renewal premiums online.

How to calculate premiums for HDFC ERGO general insurance plans?

HDFC ERGO offers online premium calculators for its general insurance plans. You can use such calculators to calculate the premium amount. To use the calculator, you would have to provide various inputs that affect the coverage and the premium. For example, if you are buying health insurance plans, you would have to provide –

1. The sum insured
2. Coverage duration
3. Members to be covered
4. Add-ons needed, etc.

If, on the other hand, you want to find the premium of motor insurance plans, you would have to provide –

1. Make, model and variant of the vehicle
2. Year of purchase
3. Registration date and location
4. Type of coverage needed
5. Add-ons selected, etc.

Thus, the premium can be calculated online by providing the necessary details into HDFC ERGO’s premium calculator.

Turtlemint also offers online premium calculators using which you can calculate the premium of HDFC ERGO general insurance policies. Moreover, Turtlemint’s calculator also calculates the premiums of other similar plans offered by other insurance companies so that you can compare and then buy. 

You can, therefore, use HDFC ERGO’s or Turtlemint’s premium calculators for premium calculation. 

HDFC Ergo general insurance review

HDFC Ergo is a reputed brand name and it offers a range of varied general insurance plans. Given the variety of insurance plans, HDFC Ergo insurance policies are quite suitable for individuals with different coverage needs. The premiums are also low and the coverage levels are optimal enough to meet the financial losses. So, if you are looking for a suitable insurance policy with the smooth claim settlement process, you can choose from HDFC Ergo’s list of insurance plans.