10.6837601 76.7045792

HDFC ERGO Insurance Agent: Prashant Nair Vijaykumar

Store Ratings

5

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Manicketh House, Sreekurumbakkavu Road, Thathamangalam Post PG
Thathamangalam
Palakkad - 678101
- Closed for the day
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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 Manicketh House, Sreekurumbakkavu Road, Thathamangalam Post PG, Thathamangalam, Palakkad, Kerala.

Customer Reviews

Ratings & Reviews

5

Prem Nair

Posted on: 19-08-2026
Rated
- 5
Had a pleasant experience buying the health and motor insurance. Explained all the features very well.
Vijay Kumar

Posted on: 06-07-2026
Rated
- 5
Good explaination

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Branch Information

Business Hours

Mon 09:00 AM - 06:00 PM
Tue 09:00 AM - 06:00 PM
Wed 09:00 AM - 06:00 PM
Thu 09:00 AM - 06:00 PM

Fri 09:00 AM - 06:00 PM
Sat 09:00 AM - 06:00 PM
Sun Closed

Other Branches Of HDFC ERGO General Insurance Company Limited

HDFC ERGO General Insurance Company Limited branches in Kerala
HDFC ERGO General Insurance Company Limited branches in Palakkad

Parking Options

Free parking on site

Get Direction To HDFC ERGO General Insurance Company Limited

7J2RMPM3+GR

Palakkad, Kerala, India

Payment Methods

Cash
Credit Card
Debit Card
Online Payment

Categories

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

Social Timeline

📚 HDFC ERGO Insurance Ki Pathshala 🎓Your A to Z guide for Health Insurance terminologies, one term at a time. NOW live with H for Hospitalisation Expenses 🔤 Understand what your Health Insurance covers under “Hospitalisation Expenses” #HDFCERGO #GeneralInsurance #InsuranceKiPathshala #HDFCERGO #GeneralInsurance #InsuranceKiPathshala

Posted On: 01 Sep 2026 11:00 AM

DAY 4 | HOME & MSME INSURANCE Protecting what matters - homes, businesses and livelihoods Day 4 of Insurance Awareness Week 2026 focused on creating awareness around Home and MSME Insurance, highlighting the importance of protecting homes, businesses, assets and livelihoods against unforeseen risks. Teams engaged with customers, local communities and business owners through helpdesks, awareness activities and direct interactions, explaining the need for adequate protection and the role insurance plays in safeguarding their homes, enterprises and financial resilience. As part of the day's activities, the Cuddalore Branch also conducted a road-safety and safe-travel awareness drive, engaging with the community and reinforcing the importance of responsible travel and safer roads. From protecting homes and businesses to promoting safe journeys, Day 4 continued to take the message of Paadhukaappu from awareness to action. To know more visit: www.hdfcergo.com #InsuranceAwarenessWeek #Paadukapu #TamilNadu #HDFCERGO #GeneralInsurance #MSMEInsurance #HomeInsurance #InsuranceAwarenessWeek #Paadukapu #TamilNadu #HDFCERGO #GeneralInsurance #MSMEInsurance #HomeInsurance

Posted On: 28 Aug 2026 2:08 PM

Kidneys rarely ask for attention, and that's exactly what makes kidney disease so dangerous. By the time symptoms show up, the damage is often already done, and India is currently home to nearly 14 crore people living with some stage of chronic kidney disease. In this episode of Health Talks by HDFC ERGO, Hitesh Birani, Joint President - Accident & Health at HDFC ERGO General Insurance, is in conversation with Dr. Narendra Dedhia, Managing Director at Parakh Hospital, Nephrologist/Renal Specialist. Together they unpack the real link between diabetes, hypertension and kidney health, the early signs most people miss, and what life actually looks like after a transplant. Because when it comes to your kidneys, early awareness can add years to your life. 🩺 Caring for your health starts with staying informed! To know more visit our website: https://bit.ly/4hXdJq4Or download the HERE app: https://bit.ly/hereappdownload#HDFCERGO #KidneyHealth #HealthTalks #ChronicKidneyDisease #StayInformed #HealthAwareness #HDFCERGO #KidneyHealth #HealthTalks #ChronicKidneyDisease #StayInformed #HealthAwareness

Posted On: 29 Aug 2026 11:00 AM

Nearby HDFC ERGO General Insurance Company Limited Branches Nearby Branches

HDFC ERGO Insurance Agent: Remya M

Koduvayur

Palakkad - 678501

HDFC ERGO Insurance Agent: C Muralidharan

Kunnathurmedu

Palakkad - 678013

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. • 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