HDFC Ergo General Insurance – Reviews, Renewal & Premium Details

Buying any of the general insurance policies from any insurance company is a hectic job. HDFC Ergo General Insurance Company gives you a wide range of general insurance policies to choose from. You must learn about the details of all these policies before purchasing any one.

Each of the main general insurance policies has been talked about along with their renewal processes and premium details in this article.

First things first. You need to know what a general insurance is. Well, a general insurance is any insurance policy which is not termed as life insurance. That is, all health policies, automobile insurances, home insurances and travel insurances fall under the category of general insurance policies.

HDFC Ergo General Insurance offers a very wide range of insurance policies with various subcategories as well. The following are the major insurances offered by the general insurances of HDFC Ergo:

• Automobile Insurance

• Home Insurance

• Health Insurance

• Travel Insurance

HDFC Ergo has its automobile insurance policies under the general insurance policy. The automobile insurance policy is of two kinds – car insurance policy and two wheeler insurance policy.

• Car Insurance: The car insurance policy under the HDFC Ergo General Insurance is one of the best. It protects you financially against thefts, accidents, damages, third party liabilities, etc. It comes with various add-ons like the Platinum Plan, Titanium Plan, Gold Plan, Silver Plan. The premium on HDFC Ergo Car Insurance depends on the age and the type of the vehicle, type of fuel, place of registration and sum insured. You can renew your plan easily online.

• Two Wheeler Insurance: The two wheeler insurance policy by HDFC Ergo General Insurance protects your two-wheelers financially. The premium depends on the sum insured, age and type of the vehicle, policy term, sum insured, place of registration and no claim bonus. 

HDFC Ergo General Insurance Offers you home insurance policies, which again are of two types:

• Home Insurance: HDFC Ergo Home Insurance is a simple home insurance policy which lets you live in your house without any worry and protects your house from financial problems. The renewal of this policy can be done online.

• Standard Fire And Special Perils Insurance: This covers the financial aspects of your home when it has been affected by unforeseen events like fire, floods, riots, etc. 

HDFC Ergo has the following four health insurance plans which have easy premium plans and many benefits. The renewal process is also simple and can also be done online.

• Health Suraksha Plan: One of the most affordable health plans which will protect at as less as Rs 6 per day. You also have the option of a Silver Plan or a Gold Plan.

• Health Suraksha With Regain & Enhanced Cumulative Bonus:  You get an automatic availability of your insured sum on exhaustion with the extra Regain feature of this plan. 

• Health Suraksha Top Up Plus: Acts as a supplement to your health cover.

• Critical Illness Plan: Protect yourself from several severe and critical illnesses like heart attack, cancer, etc. with this plan. You will be paid a lump sum amount of money for your protection in case you are diagnosed with one of these critical illnesses. 

Read Also : HDFC ERGO General Insurance: Plans, Benefits, Review

The travel insurance plan extended by HDFC Ergo accommodates two very important plans within its umbrella:

• HDFC Ergo Travel Insurance: This plan simply covers your business and leisure travels and trips and protects you financially.

• Student Suraksha – Student Overseas Travel Insurance: As the name suggests, this policy is for students studying abroad. In case they face any financial trouble, this policy will protect them.

For HDFC Ergo General Insurance policies, the premium payment is very easy. You can pay your premium in any of the three modes:

• Online Payment

• Cash and Check Payment

• Automatic Deduction from your bank account

The policy renewal process on any of the HDFC Ergo General Insurance policies is extremely easy. If an auto debit mandate has already been filed for your insurance, it will be renewed automatically.

However, the easier way is to do it online. You can renew your policies online by logging into the HDFC Ergo e-portal with your correct login details.

Report this Page