"Habit of Life : A Wellbeing Index for 1.4 billion citizens! - 11,000+ fellow citizens have made a head start on their wellbeing journey with a simple survey. It’s your turn to join them. Click the link and take the survey: https://thehabitoflife.com" | " Important Notice #Michaung Cyclone: HDFC ERGO customers who are impacted can reach out to our appointed Nodal Officer Mr Vignesh S +91 9176677475 (vignesh.S@hdfcergo.com) and our District Claims service head Mr Sakthikumar M +91 91527 27760 (sakthikumar.m@hdfcergo.com). You can also call us on our dedicated helpline number 022 6234 6235 or email us to care@hdfcergo.com " | "Important Notice #Sikkim Floods: HDFC ERGO customers who are impacted can reach out to our appointed Nodal Officer Mr Anupam Ghosh +91 83369 55575(anupam.ghosh@hdfcergo.com) and our District Claims service head Mr Sudip Pan +91 90739 78568(pan.sudip@hdfcergo.com). You can also call us on our dedicated helpline number 022 6234 6235 or email us to care@hdfcergo.com" |"16,11,060 lives covered by HDFC ERGO under PMSBY as on 31st December 2023. Click here to know more!" | "Dear Users, Ayushman Bharat Health Account (ABHA) is an initiative by National Health Authority (NHA), Ministry of Health and Family Welfare, Government of India, to create a digital health ecosystem. With ABHA, you can access and share your health record digitally. Click to know more"

Knowledge Centre
HDFC ERGO's Happy Customer

1.5 Crore+

Happy Customers@
Cashless Hospitals

9000+

Cashless Motor Garagesˇ
12000+ Cashless Network providers by HDFC ERGO

12000+

Cashless Networkˇˇ

Our Offerings

Car insurance, also known as motor insurance, covers your vehicle from the damages occurring due to accidents, natural calamities, theft and burglary. It also provides a protection from the financial loss arising due to an accident with a third-party person or property. Get your car insurance online now and protect your vehicle against all these risks for stress-free drives. Explore more

Buy Comprehensive Car Insurance by HDFC ERGO

Comprehensive Car Insurance

  • Host of Add-on Covers
  • Customization of car Value (IDV)
  • Covers Third-Party damages & Own damages
  • Overnight repair services¯
Buy Third Party Car Insurance by HDFC ERGO

Third Party Car Insurance

  • Premium starting at ₹2094*
  • Covers third party injuries & damages
  • Quick and easy claim settlement process
  • Personal accident cover of Rs. 15 Lakhs~*
Buy Standalone Own Damage Car Insurance by HDFC ERGO

Stand Alone Own Damage Cover

  • 24x7 Roadside Assistance°°
  • Overnight repair services¯
  • 6700+ Cashless Garage Networkˇ
  • No Claim Bonus of up to 50%
insurance cover for brand new car

Cover for Brand New Cars

  • 24x7 roadside assistance°°
  • Overnight Repair Service¯
  • 6700+ Cashless Garage Networkˇ
  • Own damage coverage for 1 year & third-party damge coverage for 3 years
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Two wheeler insurance or bike insurance covers your vehicle from the damages occurring due to accidents, natural calamities, theft and burglary. It also protects your vehicle from the financial loss arising due to an accident with a third-party person or property. Buying bike insurance online from HDFC ERGO is very simple and can be bought in no time. Explore more

Buy Comprehensive Two Wheeler Insurance by HDFC ERGO

Comprehensive Two Wheeler Insurance

  • Host of Add-on Covers
  • Customization of Two Wheeler Value (IDV)
  • Covers Third-Party damages & Own damages
  • Door Step Two Wheeler Repairs°
Buy Third Party Two Wheeler Insurance by HDFC ERGO

Third Party Two Wheeler Insurance

  • Third Party Premium starting at ₹538*
  • Covers third party injuries & damages
  • Quick and easy claim settlement process
  • Personal accident cover of Rs. 15 Lakhs~*
Buy Stand Alone Own Damage cover by HDFC ERGO

Stand Alone Own Damage cover

  • 24x7 Roadside Assistance°°
  • Door Step Two Wheeler Repairs°
  • 2000+ Cashless Garage Networkˇ
  • No Claim Bonus of up to 50%
Buy Cover for Brand New Bikes by HDFC ERGO

Cover for Brand New Bikes

  • 24x7 Roadside Assistance°°
  • Door Step Two Wheeler Repairs°
  • 2000+ Cashless Garage Networkˇ
  • Own damage coverage for 1 year & third-party damge coverage for 5 years
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Health insurance provides a financial protection from unexpected medical emergency that can occur due to any illnesses or accident. HDFC ERGO brings a variety of health insurance products for different needs which provides benefits like cashless hospitalisation through its large network, tax savings under section 80D, no-claim bonus and many more. Explore more

Just Launched
my: Optima Secure Global Plan

Optima Secure Global

  • Global Medical Coverage
  • 4X Coverage Guaranteed at no additional cost°°
  • Secure Benefit'*
  • No cost installment benefit*^
Buy Optima Secure Plan by HDFC ERGO

Optima Secure

  • 4X Coverage Guaranteed at no additional cost°°
  • Secure Benefit'*
  • No cost installment benefit*^
  • Protect Benefit- Guarantees payment of consumables like non-medical expenses
Buy Optima Restore Plan by HDFC ERGO

Optima Restore

  • 100% Restore Coverage~
  • 2X Multiplier Benefits
  • Wider Pre and Post Hospitalization"
  • 100% Sum Insured Restoration Benefit̑̑
Buy My: Health Suraksha Plan by HDFC ERGO

My: Health Suraksha

  • Premium starting at ₹19/day*°
  • Sum Insured Rebound¯^
  • Wellness features like Fitness discount@ renewal, Health incentives for maintenance of health
Buy My: Health                                                         Medisure Super Top up Plan by HDFC ERGO

My: Health Medisure Super Top up

  • Higher cover at low premium
  • No health checkups up to Age 55
  • Works on Aggregate deductible
  • No premium hike post 61 years
Buy Critical Illness Plan by HDFC ERGO

Critical Illness

  • Covers upto 15 Critical Illness
  • Lumpsum Payouts
  • Affordable Premiums
  • No medical checkups up to the age of 45 years
Buy My: Health Koti Suraksha                                                         plan by HDFC ERGO

My: Health Koti Suraksha

  • 1 Cr Health Cover starting at just ₹ 1114/month~^
  • 50 Lacs & 1 Crore cover options
  • Wider Pre and Post Hospitalization"
  • No room rent capping
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Unwanted events like medical emergencies, luggage loss, flight delays, checked-in baggage delays and other journey-related risks could lead to financial expenses and jeopardize your trip. HDFC ERGO Travel insurance safeguards you against all these financial losses and ensure that you have a hassle free and uninterrupted travel experience. Explore more

Just Launched
Buy Travel Explorer Travel Plan by HDFC ERGO

Travel Explorer

  • Packed with 21* benefits
  • Competitive pricing
  • Medical, baggage and trip hassles covered
Buy Individual/Family Travel Plan by HDFC ERGO

Individual/Family

  • Coverage options from $40K - $1000K
  • Travel duration covered upto 365 days
  • Covers upto 12Members
Buy Frequent Flyers Plan by HDFC ERGO

Frequent Flyers

  • Coverage options for $40K & $1000K
  • Policy can be renewed annually
  • Covers Individual & family travellers
Buy Frequent Flyers Plan by HDFC ERGO

Student Traveller

  • For the ones who aspire to study abroad
  • Covers study interruption and sponsor protection
  • Coverage options from $50K - $500K
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Home insurance secures your residence’s structure and its content against unfortunate events like theft, fire, natural calamities and man-made activities (riots and terrorism). Recent rise in incidents of natural disaster, buying HDFC ERGO home insurance is necessary as it will keep you stress-free from the financial losses that may occur due to all these risks. Explore more

Buy Home Insurance Plan by HDFC ERGO

Home Insurance

  • Annual premium starting at Just 250*
  • Option to cover structure or content or both
  • Covers natural calamities
  • Covers burglary and theft
Buy Home Insurance Plan by HDFC ERGO

Home Insurance for Owners

  • Covers Structure or structure with content upto 10 Cr.
  • Covers Content Upto 20% of Structure to a maximum of 50 lakh
  • Long term coverage upto 10 years under BGR
  • Covers Jewellery Upto 10lakhs under Home Shield and 5 lakhs for BGR
Buy Home Insurance Plan by HDFC ERGO

Home Insurance for Tenants

  • Covers Content upto 50lakh
  • Covers both Theft and burglary
  • Covers Jewellery Upto 10lakhs under Home Shield and 5 lakhs for BGR
  • All risk cover of portable equipment Across India

Is your pet truly covered for life's unexpected twists and turns? We believe every tail wag, purr, and adventure deserves protection. From pet parents to breeders, we've got you covered with comprehensive and tailored insurance solutions. With insurance for pet parents, focus on creating lasting memories with your cherished furry family members rather than hefty medical bills. With insurance for breeders, safeguard your breeding program from unexpected challenges with plans tailored to meet the unique needs of responsible breeders. Explore more

Pet Insurance

Pet Insurance

  • Covers dogs & cats
  • Covers pet parents & breeders
  • Sum insured-Rs10k-2L
  • Comprehensive & customizable pet insurance plans available
Pet Insurance for Pet Parents

Pet Insurance for Pet Parents

  • Covers dogs & cats
  • Covers up to 5 pets
  • Treatment expenses covered including diagnostics, procedure & medication
  • Included add-ons like veterinary consultation, funeral expenses & more
Pet Insurance for Breeders

Pet Insurance for Breeders

  • Covers dogs & cats
  • Covers up to 10 pets
  • Covers injury, illness, surgery & more
  • Includes add-ons like third party liability, coverage for illness/injury from commercial activities & more

Why Choose HDFC ERGO?

Happy Customers by HDFC ERGO

Secured 1.5+ Crore Happy Customers@

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable.

24x7 Claims assistance°°°

24x7 Claims
Assistance°°°

In the time of distress, instant help is the need of the hour. Our in-house claims team is always there to provide a hassle-free claim experience.

Trusted Brand by HDFC ERGO

21 Years Of
Serving India

Since last 21 years, we are committed towards serving India with technology driven insurance solutions with a human heart.

Utmost Transparency by HDFC ERGO

Utmost
Transparency

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

Lauded And Awarded by HDFC ERGO

Lauded And
Awarded

HDFC ERGO was awarded for its “Claims and Customer Service Excellence” by FICCI Insurance Industry Awards, 2021.

Large Footprint by HDFC ERGO

Cashless Network
Garages

With our robust network of nearly 12000+ˇˇ Cashless Healthcare providers and 9000+ Cashless Motor Garagesˇ help is never too far.

Cashless Network across India by HDFC ERGO
Cashless Garage Network by HDFC ERGO
Network Branches Across India by HDFC ERGO

Hear From Our Happy Customers

4.2 Stars

Testimonial RatingOur customers have rated us

4.2 Stars

Testimonial RatingOur customers have rated us VIEW ALL REVIEWS
quote
The way your customer care executive managed the call was quite impressive. Keep up the good work!
quote
Interacting with your customer care executive was an excellent experience. They solved my issues in one single call. If I need any other insurance, I will return to HDFC ERGO.
quote
HDFC ERGO team is good in communication and also quick in taking action.
quote
I want to thank the HDFC ERGO customer care team, who are very cooperative in solving the query. I am very interested in renewing the car insurance policy in future also with HDFC ERGO. Once again, thanks for your valuable support.
quote
It was a great experience. I could have got cheated by the local service provider but your confirmation of the exact amount credited to the service center helped me debate and get the full credit of the amount approved. I paid the balance and got my car picked up. A big thank you for transparency and promptness
quote
I am much impressed by your call centre executives' excellent talk and gracious behaviour. The way they attended my call, guided me on the phone and helped me get my vehicle insured deserves appreciation and gratitude.
quote
I appreciate the speedy and efficient service provided by your customer care team. In addition, your customer executives are well trained as they answered all my queries and had the intent to help the customer. They patiently listen to the customer's query and solve it perfectly.
quote
Speaking with the HDFC ERGO customer care team was a pleasant experience. The surveyor also guided at various stages. Thank you very much for the support.
quote
I wanted to correct my policy details and to my surprise the HDFC ERGO team was so quick and helpful unlike my experience with other insurers and aggregators. My details were corrected the same day and i want to express my gratitude to the customer care team. I promise to remain a HDFC ERGO customer always.
quote
Very nice services, keep it up .Best wishes to team members.
quote
My sincere thanks to your customer service executive Ms Meri who has helped me uploading the claims on your website.Her knowledgeable guidance was very helpful. Such help is very much appreciated for Senior Citizen like us. Thank you once again
quote
Excellent service, nothing to complain about. You are number one in terms of service. My uncle suggested me to purchase insurance from you and I am very happy
quote
I have a policy with HDFC and it has been a great experiense with HDFC team.
quote
The excellent services have helped me feel mentally very secured and at peace while undergoing treatment for these life threatening disease. Looking forward to the same excellent service in the future as well.
quote
Happy with the service
quote
I have seen few of the insurance policies before deciding to choose HDFC insurance as my life partner. One of the interesting part is monthly-autodeduction from my card as well as it sends the reminder before the due date. The app developed is also so friendly to use and gives me a better experience compared to other insurance company.
quote
Pros: - excellent pricing: quotes from other insurers during past three-four years have been always 50-100% higher including all possible discounts and membership benefits - excellent service: choice of billing, payment, documentation options - excellent customer service: newsletters, prompt and professional replies from the representatives Cons: - none till now
quote
Excellent. I highly recommend this policy for your home
quote
Good. Happy with the service, process and home insurance policy. Thank you HDFC ERGO
quote
Good service. Impressed with the quick turnaround time for my queries and requests. Would definitely recommend this!
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VIEW ALL REVIEWS

4.2 Stars

Testimonial RatingOur customers have rated us VIEW ALL REVIEWS
quote
The way your customer care executive managed the call was quite impressive. Keep up the good work!
quote
Interacting with your customer care executive was an excellent experience. They solved my issues in one single call. If I need any other insurance, I will return to HDFC ERGO.
quote
HDFC ERGO team is good in communication and also quick in taking action.
quote
I want to thank the HDFC ERGO customer care team, who are very cooperative in solving the query. I am very interested in renewing the car insurance policy in future also with HDFC ERGO. Once again, thanks for your valuable support.
quote
It was a great experience. I could have got cheated by the local service provider but your confirmation of the exact amount credited to the service center helped me debate and get the full credit of the amount approved. I paid the balance and got my car picked up. A big thank you for transparency and promptness
quote
>I am much impressed by your call centre executives' excellent talk and gracious behaviour. The way they attended my call, guided me on the phone and helped me get my vehicle insured deserves appreciation and gratitude.
next
previous
VIEW ALL REVIEWS

4.2 Stars

Testimonial RatingOur customers have rated us VIEW ALL REVIEWS
quote
I appreciate the speedy and efficient service provided by your customer care team. In addition, your customer executives are well trained as they answered all my queries and had the intent to help the customer. They patiently listen to the customer's query and solve it perfectly.
quote
Speaking with the HDFC ERGO customer care team was a pleasant experience. The surveyor also guided at various stages. Thank you very much for the support.
quote
I wanted to correct my policy details and to my surprise the HDFC ERGO team was so quick and helpful unlike my experience with other insurers and aggregators. My details were corrected the same day and i want to express my gratitude to the customer care team. I promise to remain a HDFC ERGO customer always.
next
previous
VIEW ALL REVIEWS

4.2 Stars

Testimonial RatingOur customers have rated us VIEW ALL REVIEWS
quote
Very nice services, keep it up .Best wishes to team members.
quote
My sincere thanks to your customer service executive Ms Meri who has helped me uploading the claims on your website.Her knowledgeable guidance was very helpful. Such help is very much appreciated for Senior Citizen like us. Thank you once again
quote
Excellent service, nothing to complain about. You are number one in terms of service. My uncle suggested me to purchase insurance from you and I am very happy
quote
I have a policy with HDFC and it has been a great experiense with HDFC team.
quote
The excellent services have helped me feel mentally very secured and at peace while undergoing treatment for these life threatening disease. Looking forward to the same excellent service in the future as well.
quote
Thanks for calling me. The customer care executive was very articulate and systematic about various products of HDFC Ergo Health Insurance. It was great talking to her.
next
previous
VIEW ALL REVIEWS

4.2 Stars

Testimonial RatingOur customers have rated us VIEW ALL REVIEWS
quote
Happy with the service
quote
I have seen few of the insurance policies before deciding to choose HDFC insurance as my life partner. One of the interesting part is monthly-autodeduction from my card as well as it sends the reminder before the due date. The app developed is also so friendly to use and gives me a better experience compared to other insurance company.
quote
Pros: - excellent pricing: quotes from other insurers during past three-four years have been always 50-100% higher including all possible discounts and membership benefits - excellent service: choice of billing, payment, documentation options - excellent customer service: newsletters, prompt and professional replies from the representatives Cons: - none till now
next
previous
VIEW ALL REVIEWS

4.2 Stars

Testimonial RatingOur customers have rated us VIEW ALL REVIEWS
quote
Excellent. I highly recommend this policy for your home
quote
Good. Happy with the service, process and home insurance policy. Thank you HDFC ERGO
quote
Good service. Impressed with the quick turnaround time for my queries and requests. Would definitely recommend this!
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previous
VIEW ALL REVIEWS

Company Videos

  • 20 years

    20 years of Serving India - HDFC ERGO

  • Optima Secure

    Everything you need to know about 'Optima Secure'!

  • video

    HDFC ERGO Self-Inspection Application

  • video

    All You need to know about HDFC ERGO Motor Insurance!

  • video

    Cyber Sachet Insurance - Reputation Loss

  • video

    Know Your Policy

  • Policy Copy

    How to Get Your Policy Copy

  • Certificate

    How to Get Your Tax Certificate

  • Register Claim

    How to Register for Claim

  • Optima new Covers

    Optima Secure With New Add-On Covers

  • optima secure global

    my: Optima Secure Global Plans

  • travel Explorer

    HDFC ERGO Explorer

  • optima being

    Optima Well-being

  • cashless approval

    Early discharge cashless approval

  • chronic diseases

    Cashless approval for chronic diseases

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Things to Keep in Mind If You Are Not Responsible for An Accident

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Awards & Recognition

ICAI AWARDS 2015-16
SKOCH Order-of-Merit
Best Customer Experience Award of the year
ICAI Awards 2014-15
ICAI AWARDS 2015-16
SKOCH Order-of-Merit
Best Customer Experience Award of the year
ICAI Awards 2014-15
ICAI AWARDS 2015-16
SKOCH Order-of-Merit
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