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HDFC ERGO Insurance Agent: K M Subramanian

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No 19, Sri Sathya Narayanan Nagar
Podanur
Coimbatore - 641023
- Opens at 08:00 AM
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Our Product Offerings

Optima Secure +

Unlimited Restore Benefit Infinite Coverage Growth Instantly Double Sum Insured Lifetime Discount Guarantees payment of consumables like non-medical expenses

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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

Monthly premium starting at Just ?8* 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 No 19, Sri Sathya Narayanan Nagar, Podanur, Coimbatore, Tamil Nadu.

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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 Tamil Nadu
HDFC ERGO General Insurance Company Limited branches in Coimbatore

Parking Options

Free parking on site

Payment Methods

Cheque
Online Payment

Categories

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

Social Timeline

The stage is set for another exciting chapter of Quizdom! 🏆 From curious young minds to some of the brightest quiz enthusiasts, the HDFC ERGO Insurance Quiz Junior 2026 has been a journey of questions, quick thinking and unforgettable moments. Now, get ready to relive the excitement with a special episode of the quiz! 📅 11 October 2026 ⏰ 3:30 PM 📺 Only on Zee News Tune in and experience the thrill of Quizdom, where every question counts and every answer can change the game. #HDFCERGO #InsuranceQuizJunior #HDFCERGOIQJR #Quizdom #ZeeNews #HDFCERGO #InsuranceQuizJunior #HDFCERGOIQJR #Quizdom #ZeeNews

Posted On: 08 Oct 2026 12:20 PM

This Cyber Jaagrookta Diwas, don’t let cyber threats catch you off guard. 🔐 Stay protected against cyber threats that can put your money, identity, data and reputation at risk. Secure yourself with HDFC ERGO Cyber Sachet Insurance. 🛡️ To know more about HDFC ERGO Cyber Sachet Insurance, visit 🌐 - https://bit.ly/3VxtJpA#HDFCERGO #GeneralInsurance #CyberJaagrooktaDiwas #HDFCERGO #GeneralInsurance #CyberJaagrooktaDiwas

Posted On: 07 Oct 2026 4:29 PM

📚 HDFC ERGO Insurance Ki Pathshala 🎓Your A to Z guide for Health Insurance terminologies, one term at a time. NOW live with P for Pre-Existing Diseases 🔤 Understand how Pre-Existing Diseases affects your coverage, claims and waiting period. #HDFCERGO #GeneralInsurance #InsuranceKiPathshala #HDFCERGO #GeneralInsurance #InsuranceKiPathshala

Posted On: 08 Oct 2026 11:42 AM

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Tags

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
HDFC ERGO Near me
HDFC ERGO Health Insurance
HDFC ERGO Renewal
ams HDFC ERGO
HDFC ERGO Car Insurance
HDFC ERGO Policy Renewal
HDFC ERGO ATM's
HDFC ERGO Health Insurance Renewal
HDFC ERGO Car Insurance Renewal
HDFC ERGO Bike Insurance
Car Insurance Online
Two Wheeler Insurance

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 ? ˇas 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, Coimbator) Additional premium will be charged for add on cover ~Minor Damage - low value 2-3 parts. Immediate claim settlemnt subject to all document fulfillement by customer. Total amount is at the discretion of the surveyor °°Additional premium will be charged for add on cover. Motor Insurance UIN: IRDAN125P0005V01200203. UIN: Motor Insurance Pricing Revision- Private Cars - IRDAN125RP0001V02201415

HEALTH INSURANCE

• ~~16000+ healthcare providers as on February 2025. Please refer to the website www.hdfcergo.com for an updated network list. ** Formula for payout ratio is Paid Claims/ (opening outstanding claims+ reported claims - closing outstanding claims), the payout numbers are reflected in Form NL 37 for FY'26. ^As of 1st March 2026. ~Data from FY'12 to FY'26. ''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 tier 6 (Bangalore), 1 adult aged 25 years. This premium is only for health coverage sum insured available is Rs. 10 lakhs including Favourable Claims Experience Discount, Lifetime Discount & online discount. ^*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 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 ̑ ̑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. Under Infinite Benefit, a sum equal to 100% of the expiring policy year’s Base Sum Insured shall be provided as an incentive irrespective of claims without any limit on accumulation. Long-term tenure policies are eligible for infinite benefit post each policy year completion. UIN: my: Optima Secure - HDFHLIP26058V082526| 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 - HDFHLIP22021V042122 UIN: my:health Koti Suraksha - HDFHLIP21131V012021.

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. The Cyber Buddy mentioned is a mascot of HDFC ERGO for the cyber security awareness campaign purely run for awareness purposes. Home shield Insurance - IRDAN125RP0001V01201718, UIN: HDFC ERGO Cyber Sachet Insurance - IRDAN125RP0026V01202122. PET INSURANCE- UIN: HDFC ERGO Paws n Claws - IRDAN146RP0001V01202324.