HDFC Ergo
Insurance is among the largest insurance firms in the country. The enterprise
has as many as 104 different branches in over 80 cities in India. The employee
count is more than 1700. The company is ‘iAAA’ rated and also has an ISO
certification. HDFC ERGO is a collaborative effort between HDFC and ERGO. They
provide insurances in all the sections.
HDFC ERGO General Insurance provides listed below
insurances-
1.
Motor
Insurance, i.e. for two wheeler and car
2.
Travel
Insurance
4.
Home
Insurance
5.
Personal
Insurance
Health Insurance by HDFC ERGO Group
The insurance firm
provides mentioned below policies with respect to health-
A.
Critical
Illness
B.
Health
Suraksha Top Up
C.
Health
Suraksha
D.
Critical
Illness Platinum.
E.
Health
Suraksha Regain
F.
Health
Suraksha Gold
Overview of Health Suraksha
|
Minimum Age to purchase policy
|
3 months or more
|
|
Maximum Age to purchase policy
|
Till 55 years or
less
|
|
Renewability
|
Policy can be
renewed till 65 years of age
|
|
Term of the Policy (in years)
|
1-year term, 2
years term
|
Overview of Health Suraksha Gold Policy
|
Minimum Age for entry
|
No bar
|
|
Maximum entry
|
Any age
|
|
Renewability
|
Can renew policy
at any age
|
|
The Tenure of Policy (in years)
|
1-year tenure or
2-year tenure
|
Why to purchase this Insurance?
Health Suraksha
Gold is a convenient policy for the policyholder and the family.
Overview of Critical Illness Policy
|
Minimum Age to purchase policy
|
5 years or more
|
|
Maximum Age to purchase policy
|
45 years or less
|
|
The Sum Assured Amount (Minimum
amount)
|
2.5 (in lacs)
|
|
The Sum Assured Amount (Maximum
amount)
|
10 (in lacs)
|
|
Renewability (max age)
|
66 years option
or 67 years option in 1-year tenure or 2-year tenure variants
|
|
Policy Tenure
|
1-year variant and 2 variant
|
Why to purchase this Plan?
● This policy covers a large number of
fatal illnesses. As many as 8 illnesses that are termed as critical illnesses
are included in the insurance policy in its Silver plan. More illnesses are
covered in its Platinum plan.
Motor Insurance Overview
Motor insurance
includes both a two-wheeler and a car.
Car Insurance
|
Network strength
|
3400 garages
|
|
Net premium
|
80860
|
|
Cover includes
|
1 year, 2 years
|
Why to buy Car Insurance?
Focus on customer
satisfaction and professionalism.
Features
● Online policy purchase available
● Wide range of discounts available
● Third party liabilities covered
● Cover available for personal accidents
● Customer service team to cater to
consumer queries
Benefits
● Application is convenient: zero
documentation for online application
● 24-hour support is available
● Security- application is very simple.
Investment is completely safe
Eligibility
● Policy can be purchased for personal
vehicles
Inclusions
● Third party liability is covered in the
event of death, injury or damages to the third party
Exclusions
● Electrical breakdown
● Mechanical breakdown
● Damage caused because of war
● Damage caused by riot
● Damage to tires or tubes is not
protected under cover
● Damage caused while the vehicle is
outside India
Two Wheeler Insurance
|
Network strength
|
3400 garages
|
|
Cover for personal accident
|
1 lac
|
|
Term of Policy
|
1 year
|
Why to buy Two Wheeler Insurance?
Safeguards damages
caused due to accidents and mishaps.
Features
● Damage due to earthquakes, floods,
storms
● Theft, burglary
● Third party liabilities are covered
● Cover is available for personal
accidents
● Customer service desk to cater to
consumer requests and queries
Benefits
● Application is highly convenient: no
documentation needed for online application
● support is available while renewal is
pending (documents stuck in the post)
● Security- application for policy is
very simple. Investment is fully safe
Eligibility
● Policy can be purchased for personal
two wheelers
Inclusions
● Third party liability is covered in the
event of death, injury or damages to the third party
Exclusions
● Depreciation
● Mechanical breakdown
● Damage due to situation of war
● Damage caused by situation of riot
● Damage caused while under the effects
of intoxication
● Damage to tires or tubes is not
protected under cover
● Damage caused while the vehicle is
outside India
Other Insurances offered-
Insurance policies
are available for rural people like owners of dairy, peasants and tradesmen.
There are two different policies available for this purpose, as specified here-
● Cattle Insurance
● Agriculture Insurance
Commercial Insurance- There is a number of insurances for
businessmen and corporate markets. The various policies are-
● Specialty Insurance
● Group Insurance
● Casualty Insurance
● Knowledge Series
You may like to read : Advantages of HDFC Ergo General Insurance
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