HDFC ERGO General Insurance Co. Ltd

HDFC ERGO General Insurance Co. Ltd

HDFC ERGO is a private sector insurance company in India. It offers insurance products in the personal, travel, health, motor, and home sectors. The company also offers products for the the corporate sector. The products offered by the company include casualty insurance, property, engineering, and marine insurance. For the rural sector the company offers cattle insurance, rainfall index insurance, and sheep and goat insurance.


HDFC ERGO General Insurance Company Limited is a joint venture between Housing Development Finance Company (HDFC) and ERGO, the primary insurance entity of the Munich Re group. HDFC was India's first specialized mortgage company.

Health Insurance

  • Optimum health insurance coverage at an affordable price

  • Option to cover on Individual or Family Floater Basis

  • Option to choose health insurance plans from an annual or two year policy

  • Cumulative Bonus for each claim free year

  • Provides Cost of Health Check up after 4 claim free years

  • Cashless Claims Service across India at 3000+ network hospital

  • No medical check-up upto 45 years of age

  • Income Tax Benefit Under Section 80D of the Income Tax Act

  • Hassle free Claims Process with minimum documentation and turn around times

  • No Sub-limits on any disease, room rent, hospital charges and doctor fees.*

  • *Except for Ayurvedic/Homeopathic Benefit


  • Basic Sum Insured per Policy Year : Rs.200000, Rs.300000, Rs.400000, Rs.500000

  • In-patient Treatment : Covers hospitalisation expenses due to sickness or accident upto the Policy Sum Insured

  • Pre-hospitalization : Pays for medical expenses incurred 60 days immediately before hospitalisation

  • Post-hospitalization : Pays for medical expenses incurred 90 days immediately after the discharge post hospitalisation

  • Day Care Procedures : Pays for 141 listed day care procedures which do not require 24 hours hospitalisation due to technological advancement

  • Domiciliary Treatment : Pays for expenses incurred for medical treatment taken at home, on the advice of a physician

  • Organ Donor : Pays for medical expenses for harvesting an organ donated

  • Emergency Ambulance (Limit per hospitalisation) : Pays upto max. Rs.2,000 for utilising an ambulance in an emergency

  • Ayurvedic/Homeopathic : Pays for medical expenses for inpatient treatment under Ayurveda, Unani, Siddha or Homeopathy. Pays upto 20% of Sum Insured; Maximum Rs. 20,000 (for Policy Sum Insured 2L & 3L) and Rs. 25,000 (for policy Sum Insured Rs. 4L)

  • Cumulative Bonus : 5% increase in Sum Insured for every claim free year; upto Maximum 50%

  • Health checkup : Pays Upto 1% of Sum Insured; Max Rs. 5000



  • 30 days Waiting Period

  • 2 year Waiting Period for Specific Illnesses and Treatments like internal tumors, cysts, surgery on tonsils and sinuses etc.

  • Pre-existing Conditions (until 48 months of continuous coverage)

  • War or any act of war

  • Any breach of any law with criminal intent

  • Self-destruction or self inflicted injury, attempted suicide or suicide

  • Terrorism, war or radioactivity

  • Any claim arising out of the use of Intoxicating Drugs and Alcohol


  • Plastic surgery or cosmetic surgery unless necessary as a part of medically necessary treatment

  • All preventive care, vaccination including inoculation and immunisations

  • For a complete list, kindly refer the Policy Wordings


Officieal Website of HDFC ERGO General Insurance Co. Ltd

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After getting rejected for a home loan by two banks I thought my wish of owning a home in a city like Mumbai will remain a dream. By chance I came to your site and applied for the loan.

What happened then was a smooth process. It's been my good luck to visit your site and get loan for my dream home.


- Deepak Gupta


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