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Do's and Don'ts
HDFC ERGO's Guide to Fraud Prevention
In an age where digital transactions are commonplace, the risk of financial fraud is more prevalent than ever. At HDFC ERGO, we are committed to not only providing comprehensive insurance solutions but also empowering you with knowledge to safeguard against fraud.
Understanding Financial Fraud
Financial fraud can occur in various forms, from identity theft to phishing scams. Being aware is the first step to prevention. Here are some common types of fraud you must be aware of:
Phishing
This involves fraudsters posing as legitimate institutions (like banks or insurance companies) to extract sensitive information like usernames, passwords, and credit/debit card details. They often use emails, text messages, or fake websites to trick you.
Identity Theft
Identity theft involves fraudsters stealing your personal information to impersonate you. They can use this information to apply for credit, file fraudulent insurance claims, or commit other financial crimes in your name.
Unsolicited Insurance Offers
Scammers send unsolicited offers for insurance policies via email, SMS, or phone calls. These offers often pressure the recipient into making immediate decisions or payments.
Premium Diversion
This occurs when fraudulent agents or brokers collect insurance premiums from policyholders but pocket the money instead of forwarding it to the insurance company.
Fake Insurance Apps
Fraudsters create fake mobile apps that mimic official insurance company apps. They may look genuine but are designed to steal your personal and financial information by asking you to log in, make payments, or share sensitive data.
Apps From Unknown Links
Cybercriminals often disguise malware inside APK files of fake apps. These files are shared outside official apps stores via websites, SMS, or even social media. If an app isn't available on official app stores, its a red flag.
Do's and Don’ts for Preventing Fraud
Do's for Preventing Fraud
To safeguard against potential fraud, here are some things you must keep in mind:
Always ensure the authenticity of emails, calls, or texts claiming to be from HDFC ERGO
Conduct financial transactions over secure, private networks, not public Wi-Fi
It's safer to pay premiums directly through our official mobile application or website; you can even set up standing instructions with your bank
It is recommended that transactions of any kind to be done only through concerned branch of the Company, through the online portal of the Company, through Insurance Agents or POSPs, or Insurance Intermediary registered with
IRDAI involved in the solicitation
Regularly review your insurance policies and statements for any discrepancies or unauthorized changes
Store all insurance documents, including policies and receipts, in a safe and secure location, like DigiLocker app by Government of India
Store insurance policy copies in your Electronic Insurance Account (eIA). Click Here https://hegi.co/6PYLhAAEAAA=
Fully understand the terms and conditions of your insurance policy. Knowing what's covered and what's not can help you spot inconsistencies
Use antivirus and anti-malware software on your devices
Download apps only from official stores like Google Play or Apple App Store
Check app reviews, permissions, developer details before installing an app
Verify app permissions; grant only those permissions which are relevant
Install Updates and Patches and when available
Use a URL checker to preview shortened links
Don’ts for Preventing Fraud
Be vigilant and don’t commit these mistakes:
Never disclose personal or financial information over unsolicited emails or calls
Do not click on links or download attachments from unknown or suspicious sources
Never give your original documents like PAN card, Aadhar card, driving license, passport, etc., to unknown individuals or unverified entities
Avoid common words or easily accessible personal information in your passwords
Do not enter personal information on websites that are not officially affiliated with HDFC ERGO
Do not download apps related to financial transactions from untrusted sources
Don't click on unknown links in emails or SMS
Never browse unsecured websites or enter details on pages without 'https' encryption
Do Not Fall Victim to Fraudsters
• Please use our official website www.hdfcergo.com
• HDFC ERGO never asks for your OTP or any personal details via SMS or emails
• All SMS will be sent from our official sender IDs along with a suffix (P – Promotional | T - Transactional | S - Service messages)
• Here's how our sender IDs for SMS would look like:
HDFCGI-P / HGICSR-P: Promotional messages
HDFCGI-T / HGICSR-T: Transactional messages (banking alerts)
HDFCGI-S / HGICSR-S: Service messages (OTP, general customer engagement, etc.)
• We have set up multiple channels through which you can easily reach out to us for any servicing needs:
Call us on 022 6158 2020 / 022 6234 6234
Write to us at care@hdfcergo.com
• Furthermore, enjoy the convenience of our Digital Platforms available 24*7 for your policy servicing needs:
Download the
here app
by HDFC ERGO
Visit the
‘HELP’ section on www.hdfcergo.com
Live chat with our chabot
DIA on www.hdfcergo.com
Send us a ‘Hi’ on our WhatsApp number 8169 500 500
Hear from Our Happy Customers
4.4/5 Stars
Our customers have rated us
POONAM SHARMA
MY:HEALTH SURAKSHA
25 Sep 2021
Keep innovating and redefining the insurance sector Really appreciate the team work and knowledge to help us in getting our claims processed
PRAMOD NARAYAN TELANG
MY:HEALTH SURAKSHA
4 Sep 2021
Best Health insurance company in India. I highly recommend this to others!
SURENDER KUMAR
MY:HEALTH SURAKSHA
8 Aug 2021
India best policy. It is really beneficial for your health and has lot of coverages which can be useful when needed. HDFC ERGO's process is also swift and fast. Thank You!
VIJAY C GOHIL
MY:HEALTH SURAKSHA
5 Aug 2021
I have been very happy with the way my claims have been handled and resolved. Thank you!
Praveen Kumar
my:Health Suraksha
28 Oct 2020
I will recommend my friends and family members, yours service is to good and prompt, customer supporting is very good.
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