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General Insurance

HDFC Ergo

MOTOR INSURANCE PLANS

Stay secure on the road with HDFC ERGO Motor Insurance that covers your vehicle against damages, theft and third party liabilities and comes with personal accident cover as well. Avail cashless claim services at over 3400+ authorized garages across the country with our motor insurance policies. There are different plans which give you optimum coverage at the most competitive premiums.

You can instantly purchase a HDFC ERGO motor policy online, avail the benefit of calculating premium and choose the plan that would best suit your vehicle type.

HDFC ERGO majorly offers three types of Motor Insurance Plans: - Private Car Insurance, Two Wheeler Insurance and Commercial Vehicle Insurance

Private Car Insurance

Private Car Insurance has to be one of the first things you buy after your car. A financial safeguard for a large variety of situations, car insurance becomes one of the most important purchases you’ll make. Whether it’s a natural disaster such as an earthquake or flood; or somebody damages or steals your car, HDFC ERGO Car Insurance will take care of it all. With compulsory factors such as third party liability, you can ensure that any damage done to another person’s property by your vehicle will be covered in a claim.

A car is an asset that everyone is proud to own, often it’s a large milestone in a lot of people’s lives. HDFC ERGO Car Insurance ensures that you and your vehicle stay safe and secure.

  • Key Highlights
  • Cashless claim service over 3400+ authorized network of garages across India
  • Avail a host of discounts – No claim bonus, Discount for Automobile Association Members, Discount based on age and profession
  • Comprehensive support through our dedicated customer support team
  • No lengthy procedures
  • Instant Online Policy

Features

  • A package Motor Insurance policy would cover the following:
  • Loss Or Damage To The Vehicle Insured

Loss or damage to your vehicle caused by any one of the following events

  • Accident by external means
  • Burglary, House Breaking Theft
  • Fire, Explosion, Self Ignition, Lightning
  • Terrorism, Riots, Strikes, Malicious Acts
  • Transit by road, rail, inland waterways, air or lift
  • Earthquake, Flood, Storm, Landslide or Rockslide
  • Liability to third parties

The policy would also cover your legal liability arising out of an Injury / Death of a third party and Property damage of a third party incase of an accident involving your vehicle.

  • Personal Accident Cover

The policy also provides for a mandatory Personal Accident Cover for Owner Driver for an amount of Rs. 2 Lacs covering Accidental Death and Permanent Total Disability. It also covers the named and unnamed passengers upto the seating capacity of the vehicle and paid driver.

Sum Insured

  • The coverage for your Vehicle would depend on the manufacturer’s listed selling price less depreciation for each year or the IDV (Insured’s declared Value). The IDV would be the maximum amount payable in the event of a claim for Total Loss / Theft.

Premium

  • The premium for a package Private Car insurance policy would depend on:
  • Sum Insured / Insured’s Declared Value (IDV)
  • Type of vehicle
  • Age of the vehicle
  • Place of Registration
  • Fuel type (Petrol / Diesel / CNG / LPG)
  • Choose a variety of optional covers on payment of additional premium, as listed below:
  • Electrical / Non Electrical items can be insured separately
  • Personal Accident cover for owner driver
  • Personal Accident cover for Named / Unnamed Passengers
  • Personal Accident cover for paid driver / employee
  • Legal liability for paid driver in connection with the operation of the insured vehicle
  • Legal liability to employees in connection with the operation of the Insured vehicle

Ad on plans

  • When it comes to choosing your dream car, you have invested your precious time in analyzing every minute’s detail. Rev up with the confidence of having a comprehensive car insurance plan carefully designed to provide optimum coverage and no surprises! With HDFC ERGO’s Motor Insurance Add-on plan you can opt for new and enhanced coverage, in addition to your standard motor insurance policy for Motor Vehicles which:
  • Provides added security and complete peace of mind
  • Minimizes out-of-pocket expenses
  • Widens the existing scope of cover

Exclusion

  • General Ageing, wear and tear
  • Damage by a person driving without a valid driving license
  • Mechanical or Electrical breakdown, failure
  • Damage by a person driving under the influence of Liquor/Alcohol/Drugs
  • Depreciation, any consequential loss
  • Loss /Damage attributable to War /Mutiny /Nuclear risks
  • Damage to tyres and tubes unless the vehicle is damaged at the same time in which case the liability of the company shall be limited to 50% of the cost of replacement
  • Loss /Damage, outside India

When it comes to travelling quickly & economically around the city, a two wheeler vehicle is the best option for almost everyone. But, along with convenience, comes higher risks. No matter how safely you ride your bike, purchasing a two-wheeler insurance is not only mandatory by law, but also a peace of mind. If you’re concerned about the time and effort required to purchase a two-wheeler insurance policy, you have to worry no more. Now, simply by two wheeler insurance from HDFC ERGO online and save your efforts.

Depending upon whether you are bike enthusiast for whom his two-wheeler means the world or someone who just needs to purchase vehicle insurance as it is a must by law, you may wish to go for one of the following products.

Two Wheeler Comprehensive Insurance

Go on a carefree ride with your loved ones with HDFC ERGO Two Wheeler Insurance which covers you against theft, damage, accident or third party liability. You also get advantage of our 24x7 claim assistance and easy claim settlement process. With HDFC ERGO, you can calculate insurance premium and buy a two wheeler insurance policy online, and choose from our optimized plans that are designed to give you comprehensive coverage in a cost effective way.

Key Highlights

  • Choose comprehensive packages as per your profile
  • Optimized two wheeler insurance plans at customized prices
  • Assured Services
  • Instant claims assistance and SMS updates on your claim status through our 24x7 call-centers.
  • Instant online policy services

Features

  • Loss or Damage
    • Loss or damage caused due to any one of the following events
    • Theft, burglary or house breaking
    • Accident caused by external factors
    • Terrorist activities, strikes, riots or a malicious act
    • Natural calamities such as earthquakes, floods, storms, landslides etc
    • Transit by road, air, inland waterways etc
    • Lightning, fire, explosions and self-ignorance
  • Third Part Liability
    Two Wheeler Insurance by HDFC ERGO also covers legal liability that may arise due to an injury or death of a third party or damage to property of a third party in case of an accident involving your scooter/motorbike.
  • Personal Accident Cover for Owner/Driver
    The Two Wheeler Insurance policy also offers a compulsory Personal Accident Cover for the owner/driver for an amount of Rs. 1 lac which covers accidental death and total disability of the owner/driver.

Sum Insured

Under this Two Wheeler Insurance, the sum insured on your two wheeler would depend up on the manufacturer's listed selling price minus each year's depreciation or the IDV (Insured's declared Value). The IDV would account to the maximum amount payable in the event of a claim for theft or total loss of the two wheeler.

Premium

  • The premium of your Two Wheeler Insurance Policy will depend on the following:-
    • IDV or sum insured
    • Age of the vehicle
    • Vehicle type
    • Place of vehicle registration
  • A number of optional covers are also available on payment of an additional premium. They are:-
    • Personal Accident cover for owner/driver
    • Personal Accident cover for pillion passengers

Exclusion

  • Wear and tear and general aging of the two wheeler
  • Damage caused by a person without a valid driving license
  • Failure or the vehicle, or mechanical or electrical breakdown
  • Damage caused by a person who may be under the influence of alcohol or drugs
  • Periodic depreciation or any consequential loss
  • Loss/damage that may have caused due to war/nuclear risks/mutiny
  • Damage caused to tires and tubes unless the two wheeler is damaged at the same time. In such case the liability of the company is restricted to only 50 per cent of the cost incurred on replacement.
  • Any loss or damage caused outside the geographical boundaries of India

Two wheeler liability – Multiyear

Don’t get hassled when the traffic cop stops your bike next time! We are all aware that the third party liability only policy is a must to ply a vehicle on the road, but in the daily quest of our lives, we tend to forget the renewal of our two wheeler insurance. Now stop remembering the renewal date every year and get your vehicle insured for multiyear. With HDFC ERGO’s Two wheeler Liability – Multiyear insurance, get a cover for your two wheeler for upto three years as per your requirement. Multiyear insurance provides cover for personal accident and third party liability similar to a single year policy.

Key Highlights

  • Instant on-line policy issuance
  • Protection against annual premium increase of Third Party section
  • Stop worrying for annual renewals
  • Comprehensive support through our dedicated customer support team
  • Say No to lengthy procedure

Features

  • Liability to third parties:- The two wheeler insurance policy would also cover your legal liability arising out of an Injury / Death of a third party and Property Damage of a third party incase of an accident involving your vehicle.
  • Personal Accident Cover For Owner-Driver:- The Two Wheeler Insurance policy also offers a compulsory Personal Accident Cover for the owner/driver for an amount of Rs. 1 lac which covers accidental death and total disability of the owner/driver

Exclusion

  • Claim arising out of any contractual liability
  • Death arising out of and in the course of employment of a person in the employment of the insured or in the employment of any person who is indemnified under this policy or bodily injury sustained by such person arising out of and in the course of such employment.
  • Any liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material

To keep your business going, it is imperative to have the vehicles owned by you, insured. HDFC ERGO offers package commercial vehicle insurance policies which protect your business from a financial loss arising out of accidental loss or damage to your vehicle, your legal liability towards third parties for personal injury, death and property damage on account of any accident involving your vehicle.

HDFC ERGO offers vehicle insurance package policies for Commercial Vehicles across the various classes of vehicles like Goods Carrying Vehicles both Private and Public Carrier, Trailers, Passenger Carrying Vehicles, Miscellaneous and Special Types of vehicles – Mobile Rig, Shovels, Grabs, Tractor, Excavator etc.

Key Highlights

  • Superior service levels and Standardized processes
  • Cashless Claim Service over 1600+ authorized network of garages across India
  • Recognized as one of the fastest claims settling Insurance Companies among private insurers
  • Comprehensive support through our dedicated customer support team

Features

Loss or damage to the vehicle insured caused by any one of the following events:

  • Accident by external means
  • Burglary, House Breaking or Theft
  • Fire, Explosion, Self Ignition, Lightning
  • Terrorism, Riots, Strikes, Malicious Acts
  • Transit by road, rail, inland waterways, air or lift
  • Earthquake, Flood, Storm, Landslide or Rockslide
  • Liability To Third Parties
    Covers the legal liability for Injury / Death and / or Property Damage caused to a third party in the event of an accident caused by or arising out of the use of the vehicle
  • Personal Accident Cover:
    The policy also provides for a mandatory Personal Accident Cover for Owner Driver for an amount of Rs. 2 Lacs covering Accidental Death and Permanent Total Disability.It also covers the paid driver.

Sum Insured

The coverage for your Vehicle would depend on the manufacturer’s listed selling price less depreciation for each year or the IDV (Insured’s declared Value). The IDV would be the maximum amount payable in the event of a claim for Total Loss / Theft.

Premium

  • The premium for a package Commercial Vehicle insurance policy would depend on:
  • Sum Insured / Insured’s Declared Value (IDV)
  • Type of vehicle
  • Age of the vehicle
  • Place of Registration
  • Fuel type (Petrol / Diesel / CNG / LPG)
  • Gross Vehicle Weight (GVW) / Licensed Carrying Capacity (LCC) as applicable.
  • Choose a variety of optional covers on payment of additional premium, as listed below:
  • Electrical / Non Electrical items can be insured separately
  • Personal Accident cover for owner driver
  • Personal Accident cover for Named / Unnamed Passengers
  • Personal Accident cover for paid driver / employee
  • Legal liability for paid driver in connection with the operation of the insured vehicle
  • Legal liability to Non fare paying passengers
  • Cover for lamps, tyres / tubes, mudguards, bonnet /side parts, bumpers, headlights and paintwork of damaged portion only
  • Use of commercial type vehicles for both commercial and private purposes

Exclusion

  • General ageing, wear and tear
  • Mechanical or Electrical breakdown, failure
  • Damage by a person driving under the influence of Liquor / Alcohol / Drugs
  • Depreciation, any consequential loss
  • Loss / Damage attributable to War / Mutiny / Nuclear risks
  • Damage to tyres and tubes unless the vehicle is damaged at the same time in which case the Liability of the company shall be limited to 50% of the cost of replacement
  • Loss / Damage outside India
  • Damage caused by overloading or strain of the Insured Vehicle
  • Damage to any bridge and / or via duct and / or to any road and/or anything beneath by vibration or by the weight of the insured vehicle and / or load carried by the insured vehicle.

HEALTH INSURANCE PLANS

HDFC ERGO offers the best health insurance plans with a wide range of benefits for you and your family. Our comprehensive health insurance plans are available at the most affordable prices, backed up by a network of over 5000+ hospitals, and come with features like Enhanced No Claim Bonus, flexible payment options and cashless hospitalization facility. These health insurance plans cover hospitalization in cases of accidents or sickness along with pre and post hospitalization expenses, day care procedures, domiciliary treatment and other expenses.

Buy any HDFC ERGO’s health insurance plan in just a few clicks, and secure your family's health and well-being.

Health Suraksha offers a policy period of 1 year and 2 years with basic sum insured per year ranging from Rs 3 to 10 lacs. It covers in-patient treatments, pre-hospitalization expenses, 144 day-care procedures, domiciliary treatments and many such expenses incurred during treatment. Also, a pre-policy check is required only if the individual is above 45 years in age.

Key Highlights

  • Health insurance plans available at affordable rates
  • Choose either an Individual Health Insurance or a Family Floater Health Insurance
  • Option to choose either an annual policy or a two year policy
  • Avail Cumulative Bonus at the end of each claim-free year
  • Health check-up expenses are covered in the plan on completion of 4 claim-free years.
  • Avail cashless services from our vast network of more than 4800+ hospitals
  • Avail Income Tax exemption under Section 80D of the Income Tax Act
  • Take advantage of the least documentation and settlement time as well as a hassle free claim procedure

Features

  • Basic Sum Insured per Policy Year. Rs 300000, Rs 400000, Rs 500000, Rs 750000 and Rs 100000
  • Hospitalization expenses due to an illness or accident are covered in the policy up to the Policy Sum Insured amount. This includes room rent, boarding expenses, nursing, intensive care unit, medical practitioner, anesthesia, operation theatre charges, blood, oxygen, surgical appliances, medicines, drugs and consumables, Diagnostic procedures, Cost of prosthetic & other devices or equipment if used internally during a surgical procedure
  • Medical costs that are incurred 60 days prior to the hospitalization of patient are subject to reimbursement.
  • Medical costs that are incurred during the 90 day period following patient's discharge, post hospitalization is subject to reimbursement
  • Medical expenses for 144 day-care procedures which do not require a 24 hours hospitalization of the patient due to technological advancements are subject to reimbursement
  • Medical cost that is incurred for harvesting an organ donated is subject to reimbursement.

Eligibility

  • Covered from the age of 91 days, as well as there is no age limit.

Health is the most valuable asset that every individual owns. Life is full of uncertainties and highly unpredictable, so it’s best to stay guarded with an appropriate health insurance cover. Medical treatments nowadays are very expensive and can easily drain out all the savings of a person if he is not insured. HDFC ERGO's Health Suraksha Gold is an economical plan that provides a cover for in-patient treatment costs, pre-hospitalization and post-hospitalization expenses. Also there are no sub-limits on the hospital room rents, hospital charges, diseases and doctor fees.

Key Highlights

  • Optimized health insurance plans at affordable cost
  • A network of more than 4800+ hospitals to choose from to avail cashless services
  • No limit for age at entry
  • Sum Insured Individual: 300000, 400000, 500000, 750000 & 1000000 & Family Floater:300000, 400000, 500000, 750000 & 1000000
  • Life Long renewability
  • AYUSH cover available without any sub limit
  • Option to choose from Individual or Family Floater Health Insurance plans
  • Get benefits on Income Tax under Section 80D of the Income Tax Act
  • Enjoy hassle free claim procedures with least documentation and settlement times
  • Maternity Benefit available after a waiting period of 4 Yrs along with New Born baby cover

Features

  • Coverage-(Sum Insured / Annum: Individual: 300000,400000,500000,750000 & 1000000) (Sum Insured/Annum: Family Floater: 300000,400000,500000,750000 & 1000000)
  • The Medical Expenses incurred due to an Illness in 60 days immediately before the Insured Person was hospitalized.
  • The Medical Expenses incurred in 90days immediately after the Insured Person was discharged post Hospitalization.
  • Expenses for 144 listed day care procedures that does not need 24 hours hospitalization on account of technological advancements are reimbursed.
  • The Medical Expenses for an organ donor’s treatment in the event of organ transplantation for harvesting an organ donated are reimbursed Upto the policy Sum Insured
  • Covers inpatient hospitalization expenses under Ayurvedic, Unani, Sidha & Homeopathy Upto the policy Sum Insured
  • Covers In patient medical expenses of the new born baby within 90 days after the birth.

With Health Suraksha Regain insurance plan, you can avail the additional benefits of automatic availability of sum insured upon its exhaustion. Our seamless services offer you financial security with no sub-limits on the hospital room rents, hospital charges, diseases and doctor fees.

Key Highlights

  • Optimized health insurance plans at affordable cost
  • A network of more than 4800+ hospitals to choose from to avail cashless services
  • No limit for age at entry
  • Sum Insured 300000, 400000, 500000, 750000 & 1000000
  • AYUSH cover available without any sub limit
  • Enhanced Cumulative Bonus @ 10% per claim free year upto 100% of Sum insured
  • Option to choose from Individual or Family Floater Health Insurance plans
  • REGAIN benefit – Automatic availability of Sum Insured upon its exhaustion

Features

  • Hospitalization costs due to illness or accident are covered upto the Policy Sum Insured
  • Medical costs incurred during 60 days prior to hospitalization are reimbursed
  • Medical costs incurred during 90 day period following discharge post hospitalization are reimbursed
  • Expenses for -144 listed day care procedures that does not need 24 hours hospitalization on account of technological advancements are reimbursed
  • Medical costs for harvesting an organ donated are reimbursed
  • Upto Rs. 2,000 for SI 300000, 400000 & 500000 AND Rs 3,500 for SI 750000 & 1000000 reimbursed as ambulance expense during an emergency
  • Pays up to 1% of Sum Insured, maximum upto Rs. 5000 for a Health Checkup after 4 consecutive claim-free years
  • Provides for an automatic availability of basic sum insured upon its exhaustion (inclusive of any cumulative bonus ) during the policy year

Health Suraksha Gold with Regain is the latest launch by HDFC ERGO that provides comprehensive health coverage and gives maximum benefit in the critical times of your life. Health Suraksha GOLD is an affordable plan that covers in-patient treatment cost, pre and post hospitalization expenses with no sub-limits on disease, hospital room rents, and other medical charges. The new Health Suraksha Gold with Regain plan also provides the additional benefit of an Enhanced Cumulative bonus @ 10% of the sum insured in every claim free year up to 100% of the basic sum insured, thus providing double protection and long term security, when compared to other health care plans available today.

Key Highlights

  • Optimized health insurance plans at affordable cost
  • A network of more than 4800+ hospitals to choose from to avail cashless services
  • No limit for age at entry
  • Sum Insured 300000, 400000, 500000, 750000 & 1000000
  • AYUSH cover available without any sub limit
  • Enhanced Cumulative Bonus @ 10% per claim free year upto 100% of Sum insured
  • Option to choose from Individual or Family Floater Health Insurance plans
  • REGAIN benefit – Automatic availability of Sum Insured upon its exhaustion
  • Get benefits on Income Tax under Section 80D of the Income Tax Act
  • Enjoy hassle free claim procedures with least documentation and settlement times

Features

  • In patient treatment: Hospital expenses for room rent, ICU, medicines and nursing covered.
  • No Sub-limits on any disease, room rent, hospital charges and doctor fees.
  • Regain Benefit: Automatic availability of SI upon exhaustion.
  • Pre and post hospitalization: Medical expenses upto 60 days prior and 90 days post hospitalization
  • AYUSH Benefits: Reimbursement of medical expenses under Sidhha, Unani, Homeopathy and Ayurveda mode of treatments.
  • Maternity expenses coverage Rs. 15, 000 for Normal Delivery, 25,000 for LSCS and Rs. 15,000 for termination.
  • Domiciliary and Organ donor medical expenses covered.
  • ECB (Enhanced Cumulative Benefits) @ 10% of the sum Insured up to 100% of SI in claims free year.

HDFC ERGO’s Health Suraksha Top Up Plus is what you can turn to when you feel you want more from your medical insurance policy.A top up plan supplements your primary health insurance cover. Additional coverage at low costs mean that a health insurance top up plan is exactly what you may be looking for

Key Highlights

  • It supplements your existing mediclaim policy, insuring you for a larger sum insured limit at lower cost
  • A top up cover is initiated when the **deductible in this policy is exhausted
  • You can stay covered for the whole life since there is no-exit age
  • 1 Year & 2 Years policy option for Individual & Family Floater
  • Tax Benefit under Section 80D which is over and above 80 C

Features

  • Medical expenses for room rent, boarding expenses, nursing, ICU, anesthesia, blood, oxygen, medicines, drugs and consumables, diagnostic procedures etc
  • Medical expenses 60 days immediately before hospitalization
  • Medical expenses 90 days immediately after hospitalization
  • Medical expenses incurred by an Insured Person for availing medical treatment at his home which would otherwise have required hospitalisation
  • Medical expenses on harvesting the organ from the donor
  • 2.00; 3.00; 4.00; 5.00; 7.50 and 10.00 Lacs Sum Insured
  • Deductible (Rs.) - 1.00; 2.00; 3.00; 4.00 and 5.00 Lacs
  • Requirement - Completed proposal form
  • Family Discount of 10% if 3 or more family members are covered on Individual Sum Insured basis under 1 Adult plan in the same policy
  • Renewal Incentives - Cumulative bonus of 5% of the Sum Insured for every claim free year accumulating up to 50%. In the event of a claim, the cumulative bonus shall be reduced by 10% at the time of renewal.
  • Age group - 5-65 years. However, there will be no cover-ceasing age. Children covered from 91 days onwards if both parents are covered under same policy.
  • Policy Period - The policy will be issued for 1 year /2 years period

Elibility

Covered from the age of 91 days to 65 years.

HDFC ERGO Critical Illness Insurance policies that give you the additional financial benefits and provide a lump sum amount to cover the costs incurred during treatment and care, recuperation aids and even offer funds in case you are not in a position to earn money due to aging factor.

Key Highlights

  • Paying for the care and treatment
  • Recuperation aids
  • Paying off debts, if any
  • Providing for any lost income due to a decreasing ability to earn
  • Providing funds for a change in lifestyle

Features

HDFC ERGO Critical Illness Plan is a unique plan that offers a Lump Sum Benefit amount to the insured person on first diagnosis after a survival period of 30 days and for any one of the 8 such illnesses as specified in the Policy: -

This plan covers the following illnesses: -

  • Heart Attack (Myocardial Infarction)
  • Multiple Sclerosis
  • Stroke
  • Cancer
  • Kidney Failure
  • Coronary Artery Bypass Surgery
  • Paralysis

Eligibility

Covered from age of 5 years to 45 years. Children are covered from age of 5 years to 18 years

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