HDFC ERGO Insurance Agent: Patel Hemaliben Himeshkumar

Motor Insurance

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• Comprehensive Two Wheeler Insurance
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• Engine Protection Cover
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• IDV Bike Insurance
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Health Insurance

• Health Insurance
• Individual Health Insurance
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• Premium Calculator
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• my:health Women Suraksha
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• Optima Secure
• Koti Suraksha
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• Saral Suraksha Bima
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• Optima Secure Individual
• Optima Secure Global Family
• Optima Super Secure Plan
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• my:health Medisure Super Top Up
• BMI Calculator
• EquiCover Health
• Here.

Pet Insurance

• Dog Insurance
• Cat Insurance

Travel Insurance

• Travel Insurance
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• Student Suraksha Insurance
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Home Insurance

• Home Insurance
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Other Insurance

• Other Insurance
• Cyber Sachet Insurance
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Expert Profiles

• Deepika Mathur
• Diwaker Asthana
• Mukesh Kumar
• S.Gopala Krishnan

Customer Reviews

• Health Insurance
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• Critical Illness

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Hospital Network

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Procedure to make changes

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Read in Hindi

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Other Important links

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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