1 Crore+ Happy Customers
  • Introduction
  • What’s Included?
  • What’s not Included?
  • Add on Covers
  • Why Choose HDFC ERGO?
  • FAQs

Why choose HDFC ERGO 3 in 1 Insurance Plan?

Many Covers at an Affordable Premium
Why look for many insurance plans when you can get maximum coverage with just 1 insurance? With 3 in 1 Insurance plan you are not just covered under 1 insurance rather you stay protected with 3 covers in 1 plan seamlessly.
Home Insurance Plan
Undoubtedly! Home is where the heart is. With this insurance plan, both owners as well as tenant can cover home valuable contents without providing any specific list. Good news is we do not apply any compulsory deductible.
e@Secure Insurance
Cyber scams are'nt rare these days, then why remain unprotected against it? We cover your digital assets, online transactions and online presence without any restriction to any particular device or location. Additionally, 100% sum insured coverage for legal protection is assured.
Personal Accident Insurance
Accidents do not happen with prior intimation and lead to tremendous financial and emotional loss. Any unforeseen accident may lead to financial instability, hence we have got you covered against permanent total disability in case of an accidental injury.

What’s Included ?

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Unauthorised Online Transactions

Protect your hard - earned money with a plan that provides you with a 100% cover against fraudulent online purchases on your bank account, credit/ debit card or your e-wallet.

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100% Legal Protection

With 3 in 1 Insurance plan we cover legal cost and expenses in case of legal dispute arising out of a specified covered risk as listed below. We also cover cost of legal advice sought by the insured upto 100% of sum insured.

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Phishing & email Spoofing

Don’t loose money through phishing and email spoofing. With E@Secure, get cover for phishing up to 15% and 25% for e-mail phishing of the limit respectively Policy pays for the suffered financial loss due to the said attacks.

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Damage to e-reputation

It takes only a few seconds for a troll to tarnish your reputation in the digital world. With E@secure stay shielded against such threats.

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Identity theft

You never know how an impostor may tarnish your image within seconds. Get our E@Secure and safeguard yourself against this threat.

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Cyber bullying

Protect yourself and your loved ones against cyber bullying by getting a cover of up to 10% of the policy limit with HDFC ERGO E@Secure insurance.

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e-Extortion

Protect yourself against blackmailers and ransomware attacks with E@Secure that provides coverage of up to 10% of the policy limit against online extortion

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Home Content Cover

We cover Furniture & fixtures and all non portable electronics like TV, washing machine, refrigerator, etc against fire, flood, earthquake, burglary & theft. We've got you covered!

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Permanent Disablement

Major accidents decide fate. We provide benefits based on the Sum Insured in case the insured is permanently disabled in an accident.

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Accidental Medical Expenses

Accidents are unfortunate. We cover hospitalisation expenses when hospitalisation exceeds 24 hours due to an accident.

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Mobility Extension

Not all accidental injuries guarantee immediate recovery! Due to permanent total disability, if you need extended assistance such as wheelchair, lifts and railings we cover you for that as well.

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Daily Hospital Cash

Accidents can cause a cash crunch. We provide daily cash allowances for accidents leading to hospitalization.

What’s not Included?

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Adventure Sport injuries

Adventures can give you an adrenaline rush, but when coupled with accidents, it can be hazardous. Our policy does not cover accidents encountered while participating in adventure sports.

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Participation in defense operations

Our policy does not cover accidents while you are participating in defense (Army/Navy/Air Force) operations.

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Intentional Loss

We won’t be able to compensate for a fraudulent act that is intentional/deliberate.

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Pre-existing Loss

The benefits of our partnership only begin once you sign up for the policy. Not much we can do for you before that.

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Unexplained Loss

There’s nothing more intriguing than solving a mystery. But losses that cannot be explained or traced, or mysterious disappearances, aren’t covered under e@Secure.

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Delayed Claims

While we believe in helping you claim what’s yours, we, unfortunately, won’t be able to do much about claims reported after six months of occurrence.

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Offline activity

While we promise to protect you in the digital space, we’re afraid there’s not much we can do in the offline space under this plan.

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Under costruction

Home insurance cover is for your home where you reside any under construction property will not be covered.

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War

Loss or damages arising out of situations such as war, invasion, act of foreign enemy, hostile. are not covered.

Add on Covers

Cover for malware

As you lock your house doors, secure your digital assets too. Get protection against corruption and destruction of digital assets by malware. This add-on compensates for replacement expenses to the extent of 10% of the policy limit .


How does it work?
If you suffer any loss due to corruption of your digital assets caused by the introduction of malware into your system, we’ll pay for the replacement expenses incurred in restoring your assets (with coverage of up to 10% of the policy limit).
This advertisement is designed for combination of Benefits of two or more individual and separate products named Home Insurance (Revision) - Multi Year Policy, e@Secure Insurance and Personal Accident Insurance. These products are also available for sale individually without the combination offered / suggested. The customer is advised to refer to the detailed sales brochure of respective individual products mentioned herein before concluding the sale.
Why HDFC ERGO?

Secured 1 Crore+ Smiles!

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.
Why HDFC ERGO?

All the support you need 24x7

We understand that in times of distress, instant help is the need of the hour. Our In-house claims team provides round the clock support to ensure hassle-free claim experience. We ensure to be your constant support system in times of need.
Why HDFC ERGO?

Catering customer needs

Since, last 16 years, we have been catering to endless customer requirements seamlessly, by providing wide range of plans and add on covers for every portfolio.
Why HDFC ERGO?

Transparency at its best

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

Awards

We have received the Best Customer Experience Award of the Year and excellence in financial reporting for the year 2016.
Why HDFC ERGO?

Secured 1 Crore+ Smiles

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.

All the support you need-24x7

We understand that in times of distress, instant help is the need of the hour. Our In-house claims team provides round the clock support to ensure hassle-free claim experience. We ensure to be your constant support system in times of need.

Catering customer needs

Since, last 16 years, we have been catering to endless customer requirements seamlessly, by providing wide range of plans and add on covers for every portfolio.

Transparency at its best

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

Awards

We have received the Best Customer Experience Award of the Year and excellence in financial reporting for the year 2016.

Frequently asked questions

The policy can be bought by anyone who is 18 years and above and can be bought for self only. The maximum age limit is 65 years.
The policy can be issued for 12 months only.
Your policy cover starts 1 day after you have purchased the policy online.
The following covers are offered:

Home Insurance – Provides cover for content at home in case of Fire & Natural Disasters, Burglary and Theft. The Sum insured is on New for Old basis i.e. the item damaged beyond repair will be replaced with a new one or the insurer will pay out the cost for replacement of the item in full, regardless of its age subject to sum insured represents cost of replacement.

E @ Secure Insurance - protects an individual against financial risks due to Unauthorized Online Transactions, Phishing & email spoofing, Damage to e-reputation, Identity theft, Cyber bullying and E-extortion.

Personal Accident Insurance - Provides protection in case of Permanent Disablement, Hospitalization Expenses Due to Accident, Daily hospital cash (Accident Only) and Mobility Extension
The following are broad exclusions under the policy. Please refer to policy wording for entire list.

Home Insurance – Jewellery in excess of Rs. 10,000/- per single article ; Portable Equipments, Jewellery and Valuables, Works of Art, Paintings, Curios, Bonds, Cheques, Documents, Cash and Currency Notes & Coins, Credit and Debit Cards are excluded

E @ Secure Insurance - Illegal or malicious act ; Prior facts and circumstances

Personal Accident Insurance - Under the influence of alcohol ; Self inflicted injury
Increase or decrease in Sum Insured is not permitted. Cancellation is possible at the request of the insured subject to retention of premium as per short period scales. The entire policy will be cancelled and part cancellations of covers cannot be done.
Home Insurance - Once a claim is registered and requisite documents are submitted, a surveyor shall be appointed by HDFC ERGO to verify details of the claim. On receiving the survey report, the claim amount is determined and paid to the insured. Please note that, an excess under this policy of Rs.5000/- for each and every claim is payable by the insured.

E @ Secure Insurance - In the event of a loss resulting due to the occurrence of one or more Specified Event HDFC ERGO must be informed immediately. Insured can register the claim either by giving a call on HDFC ERGO toll free no..
Toll Free Helpline 1800 226 226 / 1800 2 700 700 or write to us at – care@hdfcergo.com
OR
Insured can directly write to:
Liability Claims Department,
HDFC ERGO General Insurance Company Limited
6th Floor, Leela Business Park, Andheri Kurla Road,
Andheri East, Mumbai - 400 059, India
In the event of a claim, and to report a claim upon discovery of an occurrence of a Specified Event, the Insured must give written notice to HDFC ERGO along with duly filed claim form at the address set forth above with full details thereof, within 7days after such claim is first made. Claim Form

Personal Accident Insurance - To register your claim, fill the claim form and send to us with required documents to below address
HDFC ERGO General Insurance Company Ltd
C-25, 5th Floor, Tower 1,
Stellar IT Park,Sector-62,
Noida, Uttar Pradesh
Pin Code : 201301 Claim Form
Awards & Recognition
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