Warm Welcome to HDFC ERGO General Insurance

With immense pleasure we wish to announce that HDFC ERGO Health Insurance is now HDFC ERGO General Insurance. This marks the onset of an exciting journey by offering best-in-class health insurance plans and committed services to our valuable customers. With this merger all our customers get access to a larger combined product suite (across health and non-health segments) offered under one roof, access to 10,000+ cashless hospitals, 24x7 customer support in 10 different languages & much more.

Letter to our Customers Customer FAQs Communication for Corporate Customers

FAQs related to merger announcement

1. Tell me about the transaction?

This has been a 2 stage transaction
Stage 1: Acquisition of ~51% stake in Apollo Munich Health Insurance Company Ltd (Apollo Munich) by HDFC Limited – the acquisition was completed in January 2020 and the name of the company was changed to HDFC ERGO Health Insurance Limited. In the post-acquisition and pre-merger phase, both entities (HDFC ERGO Health and HDFC ERGO) were operating as independent legal entities.
Stage 2: Merger of HDFC ERGO Health with HDFC ERGO – the merger was concluded on November 13th, 2020 after receipt of necessary approvals from The National Company Law Tribunal (NCLT) and the Insurance Regulatory and Development Authority of India (IRDAI). The merged entity is HDFC ERGO General Insurance Company Limited (HDFC ERGO).

2. Whether all requisite approvals have been taken for this transaction ?

Yes, all requisite approvals for the transaction have been received.
The approvals for stage 1, i.e. acquisition, had been received from Competition Commission of India (CCI), Reserve Bank of India and IRDAI.
The approvals for stage 2, i.e. merger, have been received from all stakeholders including National Company Law Tribunal (NCLT) and IRDAI.

3. How will the transaction benefit us as a customer ?

The merger benefits you in the following ways:

Access to the combined health insurance offerings of HDFC ERGO Health & HDFC ERGO. You continue to enjoy access to the cashless network of 10,000+ hospitals – one of the largest networks in the country.

Access to the enhanced geographical reach of HDFC ERGO of 203 branch offices and 250+ digital offices resulting in a wider footprint across the country

For details on our products, offices, cashless network of hospitals / garages and digital capabilities, kindly visit our website www.hdfcergo.com. At the same time:

Your policy terms & conditions continue to remain the same as detailed in existing policy document

All our existing processes remain unchanged

There are no changes to your existing touch-points

4. What about the channel partner servicing my policy? Will that change ?

There will be no change in the channel partner servicing your policy during the policy period.

5. How do I purchase a health insurance policy offered by erstwhile HDFC ERGO Health Insurance?

You can purchase any product of the merged entity, including health insurance products of erstwhile HDFC ERGO Health Insurance, from our existing channel partners. In case of any difficulty, contact your relationship manager.

6. Would there be any change in the terms and conditions of my policy?

There are no changes in the existing policy terms & conditions and you will continue enjoying the benefits of the policy as detailed in your Policy. document.

7. Will the existing branch(es) of HDFC ERGO in my city be closed or continued as is ?

The Company will maintain the geographic presence of HDFC ERGO across all cities where it was present. In certain cases, the Company has merged or relocated the HDFC ERGO branch and HDFC ERGO Health branch. Kindly visit our website www.hdfcergo.com for the details of our branch network. document.

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