Knowledge Centre

A walk-through of various insurance plans offered by HDFC ERGO

In very simple terms, general insurance is non-life insurance. We, at HDFC ERGO, offer an array of general insurance policies that promise to encompass and secure each and every aspect of you and your family’s life.

 

Here is a brief about the various types of policies under HDFC ERGO general insurance:

 

  1. Health insurance:

Features:

  • Emergency ambulance assistance
  • Maternity benefits after waiting period
  • Reimbursement of 100% ofmedical checkups cost upon acceptance of proposal
  • Pre and post hospitalisation expenses are covered for 60 days prior to hospitalisation and 90 days after hospitalisation
  • Convalescence benefits if hospitalisation exceeds 10 consecutive days
  • In patient medical expenses of new born baby within 90 days after the birth

     

    Exclusions:

  • Pre-existing conditions are not covered unless the insured is covered for 48 continuous months
  • Injuries caused due to an act of self-destruction, suicide or suicide attempts, radioactivity or war, terrorist activities
  • Patients affected with AIDS
  • Claims for illness that may arise due to intoxication of alcohol and drugs
  • Plastic or cosmetic surgery unless performed as an internal part of the treatment

 

  1. Travel Insurance:

Features:

  • Coverage of sudden hospitalisation expenses, OPD expenses, medical tests & therapies, medicine bills etc.
  • Assured compensation in case of accidental death or permanent total disability caused from an accident.
  • In case of flight cancellation, complete reimbursement for the extra flight tickets or extra stay due to the delay.
  • Assured compensation in case of loss of baggage, theft etc.
  • Compensation for any involuntary damage caused to a third party during your stay

 

Exclusions:

  • Trip cancellation due to tour operator
  • Hospitalisation due to pre-existing conditions
  • Harm due to acts of war or local protest
  • Sports injuries
  • Psychological illness

 

  1. Car and two wheeler insurance:

 

Features:

  • 24x7 claim assistance
  • Coverage of loss due to theft
  • Third party liability cover
  • Cashless claim service with over 6800+ authorised network of garages across India.
  • Add-on features like no-claims bonus
  • Reimbursement for the mode of transport used while your car is under repair
  • Emergency road-side assistance cover

 

Exclusions:

  • Depreciation due to natural wear and tear
  • Loss due to driving under influence of alcohol
  • Damage due to overloading or strain
  • Damage due to war/mutiny/nuclear risks
  • Damage caused by a driver without license

     

    1. Home Insurance:

    Features:

    • Fire and allied perils and burglary under one policy
    • Structure and household contents
    • Covers risk against Fire, Lightning, Explosion, Implosion, Flood, Inundation, Storm, Riot, Strike, Earthquake, Terrorism (optional), Burglary, Theft and, Larceny
    • Building – on Reinstatement Value basis which is current cost of construction * floor area

    Exclusions:

  • Loss or damage due to war, invasion, act of foreign enemy, hostilities, etc.
  • Loss or damage due to nuclear perils
  • Damage to property due to pollution and contamination
  • Loss or damage due to wear and tear, gradual deterioration or slowly developing flaws.
  • Fire and allied perils and burglary under one policy
  • Structure and household contents
  • Covers risk against Fire, Lightning, Explosion, Implosion, Flood, Inundation, Storm, Riot, Strike, Earthquake, Terrorism (optional), Burglary, Theft and, Larceny
  • Building – on Reinstatement Value basis which is current cost of construction * floor area

           

 With HDFC ERGO general insurance policies gift yourself and your family a chance to live life to the fullest.

 

Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before going ahead with the sales.


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