"BEWARE OF SPURIOUS PHONE CALLS AND FICTIOUS / FRADULENT OFFERS, IRDAI or its officials do not involve in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint". | "Important Notice #AndhraPradesh & Telangana Floods: HDFC ERGO customers who are impacted can reach out to our appointed Nodal Officers Mr. Arun Kumar +91 8655985404 (Telangana), Mr. Mohammad Pasha +91 8655985582(Andhra Pradesh). You can also call us on our dedicated helpline number 022 6234 6235 or email us to care@hdfcergo.com" | " Important Notice #WayanadLandslide & Kerela Floods : HDFC ERGO customers who are impacted during the Wayanad landslide and floods in Kerela can reach out to our appointed Nodal Officers Mr. Shine CH at 9645077519 or District Head Mr. R Subbash at 7304511474. You can also call us on our dedicated helpline number 022 6234 6235 or email us to care@hdfcergo.com" | "Important Notice #Heat Wave at Mecca: HDFC ERGO customers who are impacted during the Haj pilgrimage can reach out to our appointed Nodal Officers Ms. Rita Fernandes at +91 9819938660. You can also call us on our dedicated helpline number 022 6234 6235 or email us to travelclaims@hdfcergo.com"   |   " Important Notice #Remal Cyclone: HDFC ERGO customers who are impacted can reach out to our appointed Nodal Officers - Mr. Biswajit Santra +91 9830951233 (Motor), Mr Anupam Ghosh   +91 8336955575 (Corporate) and Mr. Barda Sathpathy +91 9971596604 (Health). You can also call us on our dedicated helpline number  022 6234 6235 or email us to care@hdfcergo.com" | " 22,02,2018 lives covered by HDFC ERGO under PMSBY as on 31st May 2024. Click here to know more!" | "Dear Users, Ayushman Bharat Health Account (ABHA) is an initiative by National Health Authority (NHA), Ministry of Health and Family Welfare, Government of India, to create a digital health ecosystem. With ABHA, you can access and share your health record digitally. Click to know more"

Knowledge Centre
HDFC ERGO's Happy Customer

1.6 Crore+

Happy Customers@
Cashless Hospitals

10000+

Cashless Motor Garagesˇ
16000+ Cashless Network providers by HDFC ERGO

16000+

Cashless Networkˇˇ

Our Offerings

Health insurance provides a financial protection from unexpected medical emergency that can occur due to any illnesses or accident. HDFC ERGO brings a variety of health insurance products for different needs which provides benefits like cashless hospitalisation through its large network, tax savings under section 80D, no-claim bonus and many more. Explore more

Just Launched
my: Optima Secure Global Plan

Optima Secure Global

  • Global Medical Coverage
  • 4X Coverage Guaranteed at no additional cost°°
  • Secure Benefit'*
  • No cost installment benefit*^
Buy Optima Secure Plan by HDFC ERGO

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
Buy Optima Restore Plan by HDFC ERGO

Optima Restore

  • 100% Restore Coverage~
  • 2X Multiplier Benefits
  • Wider Pre and Post Hospitalization"
  • 100% Sum Insured Restoration Benefit̑̑
Buy My: Health                                                         Medisure Super Top up Plan by HDFC ERGO

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
Buy Critical Illness Plan by HDFC ERGO

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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Car insurance, also known as motor insurance, covers your vehicle from the damages occurring due to accidents, natural calamities, theft and burglary. It also provides a protection from the financial loss arising due to an accident with a third-party person or property. Get your car insurance online now and protect your vehicle against all these risks for stress-free drives. Explore more

Buy Comprehensive Car Insurance by HDFC ERGO

Comprehensive Car Insurance

  • Host of Add-on Covers
  • Customization of car Value (IDV)
  • Covers Third-Party damages & Own damages
  • Overnight repair services¯
Buy Third Party Car Insurance by HDFC ERGO

Third Party Car Insurance

  • Premium starting at ₹2094*
  • Covers third party injuries & damages
  • Quick and easy claim settlement process
  • Personal accident cover of Rs. 15 Lakhs~*
Buy Standalone Own Damage Car Insurance by HDFC ERGO

Stand Alone Own Damage Cover

  • 24x7 Roadside Assistance°°
  • Overnight repair services¯
  • 10000+ Cashless Garage Networkˇ
  • No Claim Bonus of up to 50%
insurance cover for brand new car

Cover for Brand New Cars

  • 24x7 roadside assistance°°
  • Overnight Repair Service¯
  • 6700+ Cashless Garage Networkˇ
  • Own damage coverage for 1 year & third-party damge coverage for 3 years
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Two wheeler insurance or bike insurance covers your vehicle from the damages occurring due to accidents, natural calamities, theft and burglary. It also protects your vehicle from the financial loss arising due to an accident with a third-party person or property. Buying bike insurance online from HDFC ERGO is very simple and can be bought in no time. Explore more

Buy Comprehensive Two Wheeler Insurance by HDFC ERGO

Comprehensive Two Wheeler Insurance

  • Host of Add-on Covers
  • Customization of Two Wheeler Value (IDV)
  • Covers Third-Party damages & Own damages
  • Door Step Two Wheeler Repairs°
Buy Third Party Two Wheeler Insurance by HDFC ERGO

Third Party Two Wheeler Insurance

  • Third Party Premium starting at ₹538*
  • Covers third party injuries & damages
  • Quick and easy claim settlement process
  • Personal accident cover of Rs. 15 Lakhs~*
Buy Stand Alone Own Damage cover by HDFC ERGO

Stand Alone Own Damage cover

  • 24x7 Roadside Assistance°°
  • Door Step Two Wheeler Repairs°
  • 2000+ Cashless Garage Networkˇ
  • No Claim Bonus of up to 50%
Buy Cover for Brand New Bikes by HDFC ERGO

Cover for Brand New Bikes

  • 24x7 Roadside Assistance°°
  • Door Step Two Wheeler Repairs°
  • 2000+ Cashless Garage Networkˇ
  • Own damage coverage for 1 year & third-party damge coverage for 5 years
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Unwanted events like medical emergencies, luggage loss, flight delays, checked-in baggage delays and other journey-related risks could lead to financial expenses and jeopardize your trip. HDFC ERGO Travel insurance safeguards you against all these financial losses and ensure that you have a hassle free and uninterrupted travel experience. Explore more

Just Launched
Buy Travel Explorer Travel Plan by HDFC ERGO

Travel Explorer

  • Packed with 21* benefits
  • Competitive pricing
  • Medical, baggage and trip hassles covered
Buy Individual/Family Travel Plan by HDFC ERGO

Individual/Family

  • Coverage options from $40K - $1000K
  • Travel duration covered upto 365 days
  • Covers upto 12 members
Buy Frequent Flyers Plan by HDFC ERGO

Frequent Flyers

  • Coverage options from $40K - $1000K
  • Policy can be renewed annually
  • Covers Individual & family travellers
Buy Frequent Flyers Plan by HDFC ERGO

Student Traveller

  • For the ones who aspire to study abroad
  • Covers study interruption and sponsor protection
  • Coverage options from $50K - $500K
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Home insurance secures your residence’s structure and its content against unfortunate events like theft, fire, natural calamities and man-made activities (riots and terrorism). Recent rise in incidents of natural disaster, buying HDFC ERGO home insurance is necessary as it will keep you stress-free from the financial losses that may occur due to all these risks. Explore more

Buy Home Insurance Plan by HDFC ERGO

Home Insurance

  • Annual premium starting at Just 250*
  • Option to cover structure or content or both
  • Covers natural calamities
  • Covers burglary and theft
Buy Home Insurance Plan by HDFC ERGO

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
Buy Home Insurance Plan by HDFC ERGO

Home Insurance for Tenants

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

Is your pet truly covered for life's unexpected twists and turns? We believe every tail wag, purr, and adventure deserves protection. From pet parents to breeders, we've got you covered with comprehensive and tailored insurance solutions. With insurance for pet parents, focus on creating lasting memories with your cherished furry family members rather than hefty medical bills. With insurance for breeders, safeguard your breeding program from unexpected challenges with plans tailored to meet the unique needs of responsible breeders. Explore more

Pet Insurance

Pet Insurance

  • Covers dogs & cats
  • Covers pet parents & breeders
  • Sum insured-Rs10k-2L
  • Comprehensive & customizable pet insurance plans available
Pet Insurance for Pet Parents

Pet Insurance for Pet Parents

  • Covers dogs & cats
  • Covers up to 5 pets
  • Treatment expenses covered including diagnostics, procedure & medication
  • Included add-ons like veterinary consultation, funeral expenses & more
Pet Insurance for Breeders

Pet Insurance for Breeders

  • Covers dogs & cats
  • Covers up to 10 pets
  • Covers injury, illness, surgery & more
  • Includes add-ons like third party liability, coverage for illness/injury from commercial activities & more

Why Choose HDFC ERGO?

Happy Customers by HDFC ERGO

Secured 1.6+ 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.

Trusted Brand by HDFC ERGO

21 Years Of
Serving India

Since last 21 years, we are committed towards serving India with technology driven insurance solutions with a human heart.

Utmost Transparency by HDFC ERGO

Utmost
Transparency

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

Lauded And Awarded by HDFC ERGO

Lauded And
Awarded

HDFC ERGO has been recognised as the 'Best General Insurance Company' at the 7th Annual Insurance Conclave & Awards - 2024, organised by Insurance Alerts.

Large Footprint by HDFC ERGO

Cashless Network
Garages

With our robust network of nearly 16000+ˇˇ Cashless Healthcare providers and 10000+ Cashless Motor Garagesˇ help is never too far.

Cashless Network across India by HDFC ERGO
Cashless Garage Network by HDFC ERGO
Network Branches Across India by HDFC ERGO

Hear From Our Happy Customers

quote
I am really impressed and happy with the 10/10 services I received from HDFC ERGO customer support team. I am definitely going to continue this association with HDFC ERGO and would also recommend my friends and relatives to get health insurance from you.
quote
HDFC ERGO team has done a fabulous job in helping me find the right coverage at a competitive price, even during renewals I got immense help from the team to adjust my premiums for a wider cover.
quote
I have chosen HDFC ERGO first time for my four-wheeler and I am glad to say that they provide really good services. The self inspection option is really good for saving valuable time of the customer. I thanks HDFC ERGO team for always providing good customer experience.
quote
Your customer care executive was extremely helpful. I am happy with the way my concern was addressed. I was sent a link to do the correction online, which made my work very easy. I am quite amazed with HDFC ERGO services.
quote
I must say, the claim process was incredibly smooth, with prompt communications with the customer service.
quote
Unlike other companies, HDFC ERGO never came up with hidden rules during claim settlement. I have had the worst experiences in my past with other companies. Kudos to this transparency and honesty.
quote
I am very happy and satisfied with your services. Keep up the good work.
quote
I recently registered the claim at HDFC ERGO. The turnaround time for the claim settlement was just 3-4 working days. I am happy with the prices and the premium rates that HDFC ERGO offers. I appreciate your team's support and assistance.
quote
Your customer care team resolved the query promptly and could help me register my claim seamlessly. It just took a few minutes to register the claim, and it was seamless.
quote
So far so good! I would like to especially mention the way you handled the e-KYC matter and changing DoB issue online, it was commendable. Please keep it up!!!
quote
This feedback is in reference to my Conversation REf No 81299653 with Mr Kishore. We were stressed as we had got an approval of only 5 Lacs vs the Hospital Estimate of 8 Lacs, Kishore helped us during a tough time to upgrade our policy and get the required coverage.Thank you Kishore for helping us in our testing times.
quote
I got a prompt solution for my issue. Your team provides quick service, and I will recommend it to my friends.
quote
HDFC ERGO provides doorstep services and are very excellent at their work. Whenever I have approached your team, they have provided quick solution to my query.
quote
I am happy and thankful for your support and services extended to me, however, I think your reimbursement process should be a bit swift in settling the claims for both pre and post-hospitalisation through telephonic discussions.
quote
HDFC ERGO provides excellent services. Your customer care executives are prompt, quick and systematic in delivering services. Need not improve your services. They are up to the mark.
quote
I think HDFC ERGO provides the best services to the clients whether it is the easy claim process, call centre services or online submission of documents, every process is made smooth and easy for clients to avoid any hiccups in the journey.
quote
I have only words of appreciation for you. Please keep up the good work and try to reach more people with variety in your plans, so as to suit their needs and help them insure themselves.
quote
I thank the HDFC ERGO claim team for their valuable support and appreciate the excellent support extended by the surveyor.
quote
I am very happy and satisfied to receive prompt services and guidance from my relationship manager. He helped me to understand the terms and conditions of the PM AWAS Yojana better & helped me take an informed decision about my purchase.
quote
I want to express my gratitude for the exceptional support provided by the claim team. I truly appreciate HDFC ERGO's swift settlement process.
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  • Policy Copy

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Reach Out To Us We’re Here For You

Awards & Recognition

Gold Award for Social Media App (Innovative)- 2024
Best Customer Retention Initiative of the Year in Insurance- 2024
Best General Insurance Company -2024
Most Innovative Mobile App -2024
Best General Insurance Company Of The Year- 2024
Best General Insurance Company & Best Health Insurance Company- 2023
Smart Insurer, Swift & Prompt Insurer- 2023
BFSI Leadership Awards 2022
ETBFSI Excellence Awards 2021
FICCI Insurance Industry Awards September 2021
ICAI Awards 2015-16
SKOCH Order-of-Merit
Best Customer Experience Award of the Year (Financial Sector)
ICAI Awards 2014-15
CMS Outstanding Affiliate World-Class Service Award 2015
iAAA rating
ISO Certification
Best Insurance Company in Private Sector - General 2014
Best General Insurance Company in India 2014
Gold Shield ICAI Awards 2012-13
Best General Insurance Company in India 2013
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