HDFC ERGO General Insurance Company Ltd. is a 51:49 joint venture between HDFC Ltd. of India' a premier Housing Finance Institution also a presence in life and general insurance' banking' and asset management and Munich based ERGO International AG' the primary insurance entity of Munich Re Group. The Insurance Company offers complete range of general insurance products ranging from Motor' Health' Travel' Home and Personal Accident in the retail space and customized products like Property' Marine and Liability Insurance in the corporate space. HDFC ERGO endeavors to improvise and catering to the needs and insurance requirements of the modern day customer with superior customer support service through automated processes to provide customers a seamless and hassle-free experience. The products have been designed according to the customer's preferences and careful study and analysis of the risks involved in a particular situation.

HDFC ERGO is expanding its network across the country and is today present in 108 branches spread across 91 cities with an employee base of over 2000 professionals and has a wide product portfolio. The Company also has a wide distribution network comprising of brokers' retail and corporate agents' bancassurance besides its own direct sales force.

HDFC ERGO has been assigned 'iAAA' rating by ICRA indicating its highest claim paying ability. We have been certified with ISO certification for our claim services' policy issuance' customer servicing and standardization and uniformity of Information Security processes being followed across all branches & locations. HDFC Ergo General Insurance was awarded Best Insurance Company in Private Sector - General by the World HRD Congress at ABP NEWS - Banking' Financial Services & Insurance Awards 2014. Also got Gold Shield ICAI Awards for Excellence in Financial Reporting for the year 2012-13.

HDFC ERGO General Insurance Product Portfolio

HDFC ERGO Health Insurance Policy:

Healthcare expenditures are at an all-time high and show no sign of decreasing. Without adequate health cover' in the event of an unforeseen illness' you may have to shell out your hard-earned savings leaving you with a financial emergency. Health insurance plans' therefore' help you overcome this financial emergency by providing an affordable and comprehensive health cover.

HDFC ERGO Health Suraksha Policy:

This health insurance plan provides cashless hospitalization and health care facilities covering in-patient treatment' pre-hospitalization expenses and post-hospitalization expenses as well as 144 day-care procedures' domiciliary treatments and other treatment-related major expenses of similar diseases.

HDFC ERGO Health Suraksha with Regain & ECB

HDFC Ergo Health Suraksha Regain offers comprehensive coverage for in-patient treatment' pre-hospitalization and post-hospitalization expenses' and a unique regain benefit of automatic availability of sum insured upon its exhaustion thereby offering you financial security with no sub-limits.

HDFC ERGO Health Suraksha Gold Policy:

HDFC Ergo Health Suraksha Gold is an cost effective health coverage plan which provides cover additional maternity benefits' convalescence benefits and E-opinion. There are no sub-limits on hospital room rents' hospital charges' diseases and doctor fees.

HDFC ERGO Health Suraksha Gold with Regain & ECB:

This is an affordable HDFC Ergo plan covering in-patient treatment' pre and post hospitalization expenses with no sub-limits on disease' hospital room rents' and other medical charges. The regain benefit provides automatic availability of basic sum insured upon exhaustion during the policy year. Covering not only HS Gold' but also providing additional benefits of Regain & an Enhanced Cumulative bonus at 10% of the sum insured in every claim free year.

HDFC ERGO my:health medisure Classic:

TA meticulously designed insurance solution that understands your family's unique health needs and provides you with a step-by-step plan to ensure their complete well-being.

HDFC ERGO my:health Medisure Super-top-up:

This HDFC Ergo top up plan supplements one's existing primary health insurance cover by insuring one for a larger sum insured limit at lower cost' thereby providing a wider coverage at a much lesser cost. An insurance that works both to supplement your primary health cover and also as a stand-alone insurance.

HDFC ERGO Critical Illness Policy:

This Critical Illness policy provides a lump sum amount to cover costs towards treatment' recuperation aids and also gives additional funds to take care of changes in lifestyle and loss of income due to decreased ability to earn due to any of the critical illnesses.

HDFC ERGO Critical Illness Platinum Policy:

The Critical Illness Platinum plan covers 15 critical illnesses and provides a lump sum benefit amount on first diagnosis after a 30-day survival period. It covers cost of care' treatment' recuperation aids and provides funds due to change in lifestyle and decreased ability to earn. Critical Illness Platinum policy is your savior in times of unforeseen critical illnesses.

HDFC ERGO Car Insurance Policy :

These HDFC Ergo car insurance plans enable you to safeguard yourself against loss or damage to your car in situations like uncertain risk of accident' theft' fire' earthquake' etc. and provide coverage for the liability that arises out of third party property damage.

HDFC ERGO Private Car Insurance Policy:

The Private Car Insurance plan is a financial safeguard to protect the car against damages' theft and natural disasters. Get optimum cover for your private car to safeguard against third party liability' accidents and damages to the vehicle caused due to various factors including strikes' fire' natural calamities and more.

HDFC ERGO Two-wheeler Insurance:

Giving you comprehensive coverage and complete accountability' this motor insurance policy has been specially designed to keep your two-wheeler secure against damage caused by natural and man-made calamities such as terrorist attacks' strikes' theft and more

Get optimum cover for your private car to safeguard against third party liability' accidents and damages to the vehicle caused due to various factors including strikes' fire' natural calamities and more.

HDFC ERGO Commercial Vehicle Insurance Policy:

This motor insurance policy safeguards your financial liabilities while your commercial vehicles stand damaged and to ensure that your business keeps going. This HDFC Ergo plan offers insurance to a wide range of commercial vehicles' protecting businesses from financial loss due to accidents or damage to the vehicles' and legal liability towards third parties for personal injury' death and property damage in case of an accident involving the insured vehicle.

HDFC ERGO Third Party Liability Only Insurance Policy:

The third party liability insurance from HDFC Ergo covers legal liabilities arising from injuries to or damages sustained by third parties from the insured vehicle. The policy is available for both private and commercial vehicles. In order to keep moving' it is essential to safeguard yourself from unexpected and unforeseen mishaps. HDFC ERGO offers Third Party Liability motor Insurance policy that covers your legal liabilities towards third parties for injuries' permanent total disability' death and property damage arising due to any accident involving your vehicle. Our third party insurance policy provides cover against all kinds of vehicles - personal as well as commercial' for worry-free movement on road.

HDFC ERGO Comprehensive Two Wheeler Insurance:

With so much happening around us on the roads' two-wheeler insurance should not be seen as an additional expenditure' but as a necessity. Buying two-wheeler insurance certainly helps you reduce your stress' if you find yourself in an unwanted situation. HDFC ERGO Two Wheeler Insurance covers your legal liabilities arising out of injury or death of a third party and personal accident cover for the owner or driver so that you can enjoy the ride to the fullest.

HDFC ERGO Long Term Two Wheeler Insurance Policy

HDFC ERGO two wheeler insurance offers convenience of instant bike insurance online now with options to choose policy period up to three years so that you don't have to worry about renewals every year. Long Term two wheeler insurance supports you in savings against annual third party premium hike by insurance regulator which you won't have to pay.

HDFC ERGO Home Insurance:

HDFC ERGO General Insurance Company Plans give you the benefit of affordable coverage for your property and possessions against almost any eventuality.

HDFC ERGO Home Insurance:

The home insurance policy covers the superstructure as well as the belongings inside the house for up to 5 years. It also covers against man-made or natural disasters such as fire' lightning' explosion or implosion' floods' water inundation' storms' riots' strikes' earthquakes as well as burglary' theft' larceny and terrorism.

HDFC ERGO Standard Fire and Special Perils Insurance:

This is a comprehensive home insurance policy protecting one's property and possessions against almost any eventuality including risk due to fire' lightning' explosion' flood' storm' riot' strike' terrorism' earthquake' etc.

HDFC ERGO Travel Insurance:

HDFC ERGO General Insurance Company's plans help you to explore and enjoy new destinations without any worries.

Individual Travel Insurance Policy:

While travelling alone to a foreign location is a great experience' however' if left uninsured can make you go through a lot of unwanted and unavoidable situations. Along with detailed itinerary plan' travel tickets' hotels' and tourist guide' individual travel insurance is a must to get access to a holiday' which you will remember for a lifetime. In short' opt for a multi or single trip travel insurance policy that meets your requirement and give you value for money.

Family Travel Insurance Policy:

Parents each day are always on a look out to spend those few extra hours with their growing kids'. Away from the hush and bush' overseas holidays offer excitement' adventure' quality time in the company of your loved ones. So' if you are planning your next family holiday' don't forget to add travel insurance to your list.

Student Travel Insurance Suraksha

HDFC ERGO Student Suraksha - Student Overseas Travel Insurance is a comprehensive travel insurance specially designed for students to ensure their financial security in case of any emergency. This insurance policy will enable students to study abroad worry-free' whether they lose their passport/baggage or face any medical costs /emergency.

HDFC ERGO Personal Accident :

A personal accident policy is strongly recommended to everyone not only to protect their families in the event of a mishap like accidental death' but in addition also to cover disablement' leading to loss of earning capacity' at competitive premium rates. A personal accident cover is very effective in making you financially independent and ensures that you have a dignified future' no matter what happens.

Other Insurance

HDFC ERGO General Insurance Company Limited offers a range of commercial insurance solutions catering to the corporate and business market. Commercial firms can choose from any of the policies as per their requirements.

Casualty Insurance Policy

HDFC ERGO's Casualty Insurance helps companies manage a wide range of Liability risks and exposures encountered in today's business environment. Our products like Commercial General Liability' INT Errors and Omissions' and Probuct Liability include enhancements and coverage missing from many standard industry policies.

Our flexidle approach allows companies to tailor these products to meet their individual needs. We offer Product Liability Insurance solutions and services for private and Public companies' not-for-profit organisations' start-up firms and information and network technology companies.

The key products offered under Casualty in the Indian market are:

Commercial General Liability

General Liability insurance covers a wide range of Liability loss exposures faced by most organisations; it is the foundation for most organisations; Liability insurance programs.

Public Liability

For organisations that have customers or other members of the Public entering their buildings' life safety during fires is often the principal premises Liability concern.

Information & Network Technology Errors & Omission

HDFC ERGO General Insurance understands the risks facing companies that operate in an environment where innovation is a business imperative' not a lofty goal.

Product Liability

This policy covers all sums that the insured becomes legally liable to pay as damages as a consequence of Accidental bodily injury or property damage to third party.

Workmens Compensation

This policy is the primary method by which an employer can demonstrate the ability to satisfy the obligations imposed by the worker's compensation statutes.

Group Accident and Health Insurance Policy

The key products offered under Group Accident & Health in the Indian market are:

Group Travel Insurance

Business travel is an essential part of almost every organisation. Fact is traveling in India or worldwide comes with certain risks and responsibilities.

Group Medical Insurance

Businesses cannot function without people. With the Group Mediclaim Policy' you can provide your employees/members the optimum cover they require.

Group Personal Accident Insurance

Expect the unexpected is a good thumb rule when it comes to most businesses.

Marine Insurance Policy

The importing and exporting of goods can expose you to massive financial losses should your international shipments be damaged or destroyed in transit.

Property & Misc Insurance Policy


The policy provides coverage against burglary' theft including hold-up risk and damage caused to interest covered.

Consequential Loss - Fire

This policy covers you for the losses you incur from disruption to your business following a fire.

Business Suraksha

This is a unique package policy which provides choice of all type of covers under one Package Policy.

Contractors Plant & Machinery

The policy provides the hassle-free way to protect loss or damage to machinery' equipment and tools used for construction due to an accident arising out of external perils.

Contractors All Risk

The comprehensive policy covers the contractor/principal from physical loss or damage to property' plant' machinery and tools' project items /works brought on to the site and temporary works erected on-site' as well as third party liability related to work conducted on the site.

Electronic Equipment

The policy covers the assets so vital to keeping your business functioning smoothly - your electronic equipment and data.

Erection All Risk

The policy provides comprehensive coverage against storage' assembly/erection' testing and commissioning of the facility' new green field projects or dismantling and re-constructing it.

Fidelity Guarantee

This policy covers monetary loss sustained as a result of act of fraud or dishonesty committed by the employees while performing their duties.

Fire & Special Perils

This Policy protects you from financial losses arising out of "Named Perils"

Industrial All Risk

This is a Comprehensive Package Policy which provides cover against unforeseen circumstances including accidental damage to the property' which a large industry may face during its operation.

Machinery Breakdown

This Insurance covers accidental' electrical and mechanical breakdowns of machinery and equipment as a result of internal and external causes.

Money Insurance

The policy broadly covers loss of money in transit by the insured or insured's authorised employee(s) or money held in safe in the Insured's premises.

Neon Sign

This Policy covers loss or damage to Neon sign by accidental external means' fire' lightning' external explosion' theft or malicious act.

Plate Glass Insurance

The policy covers accidental breakage of glass used in the interiors of the building at the Insured's premises.

Portable Electronic Equipment Insurance

The policy provides all risk coverage to portable equipments while being carried around' whilst in storage' use' including accidental damage' breakdown and fire and allied perils.

Speciality Commercial Insurance Policy

Directors & Officers Liability

The policy provides some of the broadest coverage available on the "form of choice" of the industry.

Crime Insurance

This policy is your safety net against white collar crime with comprehensive coverage for all major risks.

Forefront Portfolio

A comprehensive insurance solution offered to small and medium sized companies to help manage their individual and corporate exposures.

Mutual Fund Protection

The policy provides financial stability' sound underwriting' broad coverage and responsive service to Mutual Fund professionals' across the nation.

Employment Liability

The policy provides invaluable insurance coverage for your organisation against employee related lawsuits.

Venture Capital

This policy is a combined product offering management liability' management indemnification' outside directorship and professional services Liability insurance in one policy - helping eliminate gaps in your insurance programme.

Educator's Professional Liability Insurance

The policy provides coverage to administrators' teachers and educators against personal and financial liabilities for their alleged actions or inactions.

Kidnap/Ransom and Extortion Insurance

Professional assistance before' during' and after a Kidnapping or extortion threat is a vital element of corporate risk management.

Trade Credit Insurance

Risk Consulting Services

Rural Insurance

HDFC ERGO General Insurance Company Limited also offers insurance solutions for the rural customers including farmers' dairy owners and tradesmen.

  • Agriculture Insurance
  • Cattle Insurance