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HDFC ERGO Insurance Agent: Ashish Kumar Lakherwal

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Our Product Offerings

  • Optima Secure

    4X Coverage Guaranteed at no additional cost Secure Benefit No cost installment benefit Protect Benefit Guarantees payment of consumables like non-medical expenses

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    Optima Lite

    Base sum insured upto INR 5 lac or INR 7.5 lac Comprehensive coverage at affordable premiums Automatic restore for unlimited period during a policy year Cumulative bonus and Preventive health check-ups on renewal

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    Optima Secure Global

    Global Medical Coverage 4X Coverage Guaranteed at no additional cost Secure Benefit'* No cost installment benefit*^

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    Optima Restore

    100% Restore Coverage~ 2X Multiplier Benefits Wider Pre and Post Hospitalization" 100% Sum Insured Restoration Benefit

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    My: Health Medisure Super Top up

    Higher cover at low premium No health checkups up to Age 55 Works on Aggregate deductible No premium hike post 61 years

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    Critical Illness

    Covers upto 15 Critical Illness Lumpsum Payouts Affordable Premiums No medical checkups up to the age of 45 years

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    Comprehensive Car Insurance

    Host of Add-on Covers Customization of car Value (IDV) Covers Third-Party damages & Own damages Overnight repair services‾

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    Stand Alone Own Damage Cover

    24x7 Roadside Assistanceºº Overnight repair services‾ 10000+ Cashless Garage Network No Claim Bonus of up to 50%

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    Cover for Brand New Cars

    24x7 roadside assistanceºº Overnight Repair Service‾ 9000+ Cashless Garage Network Own damage coverage for 1 year & third party damge coverage for 3 years

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    Home Insurance

    Annual premium starting at Just 250* Option to cover structure or content or both Covers natural calamities Covers burglary and theft

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    Home Insurance for Owners

    Covers Structure or structure with content upto 10 Cr. Covers Content Upto 20% of Structure to a maximum of 50 lakh Long term coverage upto 10 years under BGR Covers Jewellery Upto 10lakhs under Home Shield and 5 lakhs for BGR

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    Home Insurance for Tenants

    Covers Content upto 50 lakh Covers both Theft and burglary Covers Jewellery Upto 10 lakhs under Home Shield and 5 lakhs for BGR All risk cover of portable equipment Across India

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    Travel Explorer

    Packed with 21* benefits Competitive pricing Medical, baggage and trip hassles covered

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    Individual/Family

    Coverage options from $40K - $1000K Travel duration covered upto 365 days Covers upto 12 members

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    Frequent Flyers

    Coverage options from $40K - $1000K Policy can be renewed annually Covers Individual & family travellers

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Why Choose HDFC ERGO?

Secured 1.5+ Crore Happy Customers

Secured 3.2+ Crore Happy
Customers@

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable.

24x7 Claims Assistance

24x7 Claims
Assistance

In the time of distress, instant help is the need of the hour. Our in-house claims team is always there to provide a hassle-free claim experience.

20 Years Of Serving India

20 Years Of
Serving India

Since last 20 years, we are committed towards serving India with technology driven insurance solutions with a human heart.

Utmos Transparency

Utmos
Transparency

HDFC ERGO General Insurance claims are settled with utmost transparency and ease.

Lauded And Awarded

Lauded And
Awarded

HDFC ERGO was awarded for its “Claims and Customer Service Excellence” by FICCI Insurance Industry Awards, 2021.

Cashless Network

Cashless Network

With our robust network of 15000+ˇˇ Cashless Healthcare providers and 12200+ Cashless Motor Garagesˇ help is never too far.

About HDFC Ergo General Insurance Company Limited

HDFC ERGO General Insurance Company Ltd. is a joint venture between HDFC Ltd., India s premier Housing Finance Institution and ERGO International AG, the primary insurance entity of Munich Re Group. The 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.
The address of this branch is House No E/17/1, Model Town, New Delhi, Delhi.

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    • Branch Information

    Business Hours

    • Mon 08:00 AM - 10:00 PM
    • Tue 08:00 AM - 10:00 PM
    • Wed 08:00 AM - 10:00 PM
    • Thu 08:00 AM - 10:00 PM
    • Fri 08:00 AM - 10:00 PM
    • Sat 08:00 AM - 10:00 PM
    • Sun 08:00 AM - 10:00 PM

    Other Branches Of HDFC Ergo General Insurance Company Limited

    • HDFC Ergo General Insurance Company Limited branches in Delhi
    • HDFC Ergo General Insurance Company Limited branches in New Delhi

    Parking Options

    • Free parking on site

    Get Direction To HDFC Ergo General Insurance Company Limited

    Payment Methods

    • Cash
    • Credit Card
    • Debit Card
    • Online Payment

    Categories

    • Insurance Broker
    • Home Insurance Agency
    • Car And Motor Insurance Agency
    • Health Insurance
    • Motorcycle Insurance

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    Posted On: 02 Dec 2025 3:50 PM

    यह सिर्फ़ एक दिन नहीं पूरे सीज़न की सुरक्षा का आख़िरी मौका है। अपनी मेहनत की कमाई को जोखिम में न डालें। फ़सल बीमा करवाने का अंतिम दिन है, एक कदम आज उठाएँ और पूरे मौसम को निश्चिंत बनाएँ। #अंतिमदिन #फ़सलसुरक्षा #किसानहित #बीमाजरूरी #खेतीकीढाल #अ #फ #क #ब #ख

    Posted On: 30 Nov 2025 10:00 AM

    आज से शुरू हो रहा है सुरक्षा का उत्सव फ़सल बीमा सप्ताह। ताकि हर किसान का आज भी सुरक्षित रहे और कल भी समृद्ध। #फ़सलबीमासप्ताह #किसानकीशक्ति #खेतीकीढाल #भारतीयकिसान #फ #क #ख #भ

    Posted On: 01 Dec 2025 10:00 AM

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    • Health Insurance
    • Car Insurance 
    • Bike Insurance
    • Travel Insurance
    • Home Insurance
    • Comprehensive Car Insurance
    • Third Party Car Insurance
    • Optima Secure Health Insurance
    • Optima Restore Health Insurance
    • Comprehensive bike insurance
    • Third Party bike insurance
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    • two wheeler insurance

    HDFC Ergo General Insurance Company Limited Branches Popular Cities:

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    CAR INSURANCE

    • The above mentioned third party premium of 1 year is for Cubic capacity < 1000 CC as on 1st June 2022 and may vary depending on the cubic capacity of the vehicle. • As on 28th Feb 2025 - 12277 active Network garages • The percentage amount would be given basis the number of kilometers driven in the policy year • Over-night motor repair service for minor damages made available to HDFC Ergo Policyholders, subject to extent of damage, bandwidth of the motor garages empanelled especially for the services in selected 16 cities and the requirement to appoint surveyor, etc. • The Company shall be liable to settle the claim basis of the terms and conditions of the policy document for the concerned vehicle (Upto 3 panels or Rs.20,000- which ever is higher. Available across 16 cities - Mumbai, Nagpur, Pune, Surat, Vadodara, Ahmedabad, Delhi, Gurugram, Jaipur, Hyderabad, Chennai, Bangalore, Kolkata, Kanpur, Madurai, Coimbatore) • Based on Public Disclosure Reports for FY24 - Settlement Ratio in FY24 for motor OD Claims - 99.8% Count of OD Claims Paid in FY24(excludes repudiation & zero) - 5,34,695 Amount of claims paid in FY24 - Rs. 1,77,919,10,664 Formula used for Settlement Ratio - (Claims Settled + Claims Repudiated + Claims Closed) / (Claims Reported) x 100 • Additional premium will be charged for add on cover - Minor Damage - low value 2-3 parts. Immediate claim settlement subject to all document fulfilment by customer. Total amount is at the discretion of the surveyor • Additional premium will be charged for add on cover. Motor Insurance UIN: IRDAN125P0005V01202003. UIN: Motor Insurance Pricing Revision- Private Cars - IRDAN125RP0001V02201415

    HEALTH INSURANCE

    • ~15000+ healthcare providers as on February 2025. Please refer to the website www.hdfcergo.com for an updated network list. • Subject to change as per Tax Laws in India • Any unutilized amount of Sum Insured rebound cannot be carried over to next policy year or renewal policy. Sum Insured rebound can be utilized for claims under Hospitalization cover only • The premium (excluding tax) mentioned is for platinum plan tier 2 1 adult age 36-45 years. This premium is only for health coverage sum insured available is Rs. 50 lakhs and 1 crore under the Health Section of my:health Koti Suraksha @Figure as on 31st January 2025 (includes members of the group). • Only if purchased from www.hdfcergo.com • 4X coverage means base Sum Insured + Plus Benefit (after 2 Policy Years) + Secure Benefit + Automatic Restore Benefit – Subject to the condition that a single claim in a Policy Year cannot exceed the sum of Basic Sum Insured, Plus Benefit (if applicable) and Secure Benefit • Premium mentioned for my:Optima Secure plan is excluding taxes with 5% online discount for a 30-year-old individual residing in 2 Tier location for sum insured of 5 lacs • Premium mentioned for my:Optima Secure plan is excluding taxes with 5% online discount for a 30-year-old individual residing in 2 Tier location for sum insured of 5 lacs • Home health care available only on cashless basis in select cities only for my: Optima Secure products 'Get 60 and 180 days pre and post hospitalization medical expenses covered' • 100% claim settlement ratio - Based on claims of FY 24 (Formula - Claims Paid Plus Repudiated/CWP Divided by Claims Reported) Please refer company website - Public disclosure section. Restore benefit- Subject to the condition that a single claim in a Policy Year cannot exceed the sum of Basic Sum Insured Optima Secure covers in-patient hospitalization expenses even for alternate treatment methods viz. Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy • UIN: my: Optima Secure - HDFHLIP25041V062425 | my: health Critical Illness - HDFHLIA22141V032122 | my:Health Hospital Cash Benefit (Add-on) - HDFHLIA21271V022021 | Unlimited Restore (Add On) HDFHLIA22188V012122 | IPA Rider - APOPAIP19004V011920 - UIN: Optima Restore HDFHLIP25012V082425 UIN: Critical Illness Insurance - HDFHLIP21464V022021 UIN: my:health Medisure Super Top Up Insurance - HDFHLIP2021V042122 UIN: my:health Koti Suraksha - HDFHLIP21131V012021.

    BIKE INSURANCE

    • The above mentioned third party premium of 1 year is for Cubic capacity < 75 CC as on 1st June 2022 and may vary depending on the cubic capacity of the vehicle • Based on Public Disclosure Reports for FY24 - Settlement Ratio in FY24 for motor OD Claims - 99.8% Count of OD Claims Paid in FY24(excludes repudiation & zero) - 5,34,695 Formula used for Settlement Ratio - (Claims Settled + Claims Repudiated + Claims Closed) / (Claims Reported) x 100 • Upto 3 panels or Rs.5,000- which ever is higher (Available across Mumbai, Hyderabad & Pune only) • Additional premium will be charged for add on cover. Liability Only Policy - Two wheeler - Annual - IRDAN125RP002V01202122

    TRAVEL INSURANCE

    • Figure as on Jan 2024 | The premium of Rs 31 per day without taxes for the product for an individual of age 37, travelling to Asia for 7 days opting for a sum insured of $50,000. • 20+ Benefits included in Platinum plan variant. • Product Name: HDFC ERGO Explorer. UIN: HDTIOP24042V022425 UIN: Travel Insurance - HDTIOP22056V022122 UIN:Student Suraksha-Student Overseas Travel - HDTIOP22052V022122

    HOME INSURANCE & OTHERS

    • Sum Insured of Rs. 11,00,000 for 1 year with 25% discount (15% security discount on insured property & 10% for online Sales) • Price of Student Plan for a Sum Insured of Rs. 50,000 excluding taxes. • Discount may vary as per coverage opted. • Home shield Insurance - IRDAN125RP0001V01201718, UIN: HDFC ERGO Cyber Sachet Insurance - IRDAN125RP0026V01202122.

    PET INSURANCE

    • UIN: HDFC ERGO Paws n Claws - IRDAN146RP0001V01202324