HDFC ERGO General Insurance

Key Features

Claim Settlement Ratio 98.36%

Renewability 100%

Claim Settlement Facility 100%

COVID-19 Cover Yes

Network Hospitals 10,000

Incurred Claim Ratio 79.30%

About HDFC Ergo General Insurance

HDFC Ergo general insurance is a joint venture between HDFC Limited, India’s premier Housing finance institution and ERGO international AG, the primary entity of Munich Re group. Housing Development Finance Corporation Ltd (HDFC) owns around 51% of the stake being the major stakeholder and Ergo International AG holds around 49% in the joint venture. HDFC Ergo received the general insurance license in the year 2002 from the INsurance regulatory and development authority of India and started the operations in the same year in India with headquarters in Mumbai.


HDFC Ergo Health insurance plans:

Critical illness plan

The plan offers protection against 15 named critical illnesses mentioned in the policy. In case of diagnosis with any of the mentioned critical illnesses the insured would get a lump sum amount. The plan can be purchased for 2 or 3 years. No pre-policy medical checkup is required up to the age of 45 years. The policy can be renewed lifelong.

Benefits of HDFC Ergo health insurance

HDFC ergo health insurance offers up to 100% additional policy cover as no claim bonus. a 50% increase in the base sum insured would be provided for every claim free year subject to a maximum of 100% of the base sum insured.

Key features of HDFC Ergo health insurance

Unlimited Restore : This benefit will provide instant addition of 100% of the basic sum insured on complete or partial utilization of restore benefit or unlimited Restore benefit during the policy period. This optional cover will trigger unlisted times and is available for all subsequent claims in a policy year.

Tax Benefits

HDFC Ergo health insurance policies offer tax benefits under the Section 80D of the income tax act.


HDFC Ergo health insurance claim form can be downloaded from here. The claim form should be filled duly and sent to the insurance company with all the supporting documents for the claim to be processed within the stipulated time.