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HDFC ERGO General Insurance

HDFC ERGO General Insurance

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About HDFC Ergo General Insurance

HDFC ERGO is a 51:49 joint venture between HDFC Ltd and ERGO, which is the primary insurance entity of the Munich Re Group of Germany. HDFC ERGO, the 3rd largest Private General Insurer with a 6.2% market share, offers products like Car Insurance, Health Insurance, Travel, Home, Personal Accident and Cyber Insurance in the retail space and customized products like Property, Marine and Liability Insurance in the corporate space through its network of 203 branches spread across 170 cities and a wide distribution network

  • Branches - 200+
  • Cities-170+
  • TEmployee - 7000+

Awards and Recognition

  • ICAI Awards 2015-16 (For Excellence in Financial Reporting ) -
    HDFC ERGO has been presented an award by ICAI for Excellence in Financial Reporting 2015- 16 under Category IV. It is the 2nd consecutive year, the 4th time in our journey, that we have been awarded for excellence in financial reporting. It is the only award presented in the non - life category this year.
  • SKOCH Order-of-Merit ((for Claims Survey Management (CMS) for qualifying amongst the Top 100-projects in India ) -
    This SKOCH order of merit is awarded to the “Top 100 Projects in India”. The projects are selected by a Jury of eminent experts and the Secretariat of SKOCH from a large number of nominations and presentations. HDFC ERGO’s Claim Survey Management, was conferred “SKOCH Order-of-Merit” at the 46th Skoch Summit.
  • Best Customer Experience Award of the Year (Financial Sector) -
    This award recognises the efforts undertaken by an organisation in the area of customer service & customer experience to improve customer relationships and building long term profitability. The primary parameters considered for this award were; initiatives taken to simplify customer service processes, use of automation to deliver superior customer experience and ROI delivered through the changes.
  • ICAI Awards 2014-15 (For Excellence in Financial Reporting Annual Report under the Category III – Insurance Sector ) -
    The award jury comprised of eminent personalities from regulators & industry experts and was headed by Shri M. Damodaran, Former Chairman of Securities and Exchange Board of India (SEBI). The parameters for evaluation were on the basis of degree of compliance with accounting standards, statutory guidelines and other relevant pronouncements, in each category. Based on the rigorous evaluation process, out of 175 participants, 12 awards were given; and HDFC ERGO General Insurance Company Limited was the only one to receive the Gold Shield. We are proud to receive this Gold Shield again after FY 2012-13.
  • iAAA rating ( by ICRA ) -
    The Company has been rated iAAA by ICRA (an associate of Moody’s Investors Service) indicating highest claim paying ability. This rating denotes company’s fundamentally strong position and prospect of meeting policyholder obligations as the best. The rating takes into account the company’s strong parentage, its leadership position amongst the private sector general insurers in the country, balanced and diversified portfolio, prudent underwriting practice and reinsurance strategy.
  • Best Insurance Company in Private Sector -
    General 2014 (by the World HRD Congress at ABP NEWS - Banking, Financial Services & Insurance Awards) - This award underlines the best-of-the-best practices of the BFSI Industry based on the strategy, security, customer service, and the future technology challenges and innovations.The award has been selected basis customer poll and analysis by a bench of jury.
  • Best General Insurance Company in India 2014 (by International Alternative Investment Review (IAIR)) -
    The event was organized by The Excellence in Global Economy (4th Edition), Hongkong on 28th Feb'14. This award was based on an independent survey and was analyzed considering the Leadership, Innovative Services & ability to be responsive to the customers' needs with a dynamic approach & a variety of products.
  • Gold Shield ICAI Awards 2012-13 (for Excellence in Financial Reporting) -
    HDFC ERGO has been awarded Gold Shield ICAI Awards for Excellence in Financial Reporting for the year 2012-13 under the Category III – Insurance Sector by Institute of Chartered Accountants of India (ICAI). The award has been selected by the panel of judges on the basis of degree of compliance with the Accounting Standards, Statutory Guidelines and other relevant pronouncements. Mr. T. S. Vijayan, Chairman, IRDA was the Chairman of the Jury committee for the award.

The Company's Past Performance

HDFC ERGO is driven by their value to cater to specialize and heed to every need of the modern day customer with superior HDFC ERGO customer care service through automated processes like HDFC ERGO renewal process.

The company has been in existence for a fair time since then, it has covered a lot of ground in gaining a large share of customer gratification through the fast and efficient claim settlement process. The company is one of the top five companies to have the highest claims paid ratio in the previous year 2016.

As per the company’s annual financials for the previous year (2015-2016), the company paid out 1244.2 claims last year, which gives it a claim settlement ratio of 51%. The company was able to deliver during the Chennai floods calamity.

Key Advantages and Features

  • The whole family, adults and children, can be covered under the same plan
  • Customers get reimbursed for the expenses of routine medical check-ups, subject to conditions
  • There is no co-pay clause in the policy wordings
  • There is no cap on the hospital room rent
  • HDFCERGO hospital list for cashless claims support is 10,000+ strong
  • No-claim bonus is issued to the customers for every claim-free year
  • HDFCERGO general insurance renewal and premium payment can be done online easily
  • All the insurance policies can be bought for a term of 1, 2 & 3 years
  • Customers get lifetime renewal with all the plans

Types of products

Product Plan Details

Plan Features
Directors & Officers Liability
  • Unique insurance designed to save externally and internally appointed crucial decision makers of the organization from potential damages that are incurred from management decisions
  • The policy provides worldwide coverage
  • Legal representation costs are covered through the policy
  • Defense costs are covered
  • Punishment damages cover that are normally borne by the company are covered
Crime Insurance
  • Protection against asset loss incurred through forgery or theft committed by an employee within the organization
  • Damage protection from extortion, disappearance, destruction that results in money loss or securities loss or hacking through third parties
  • Protection from loss of official properties when in transit
  • Grants immunity from fraudulently draw checks from a third party on account of the insured’s company
  • Safety from hacking activities and damage to the insured’s computer systems
Forefront Portfolio
  • Covers the entire organization's employees at one go
  • Designed for medium and small sized companies
  • Protects directors and high-ranking officers against claims resulting from management decisions
  • Automatic cover extends to any new subsidiary of the company
  • Safety policy for the company against theft and fraud committed by employees
  • Also covers investigation costs for covered losses
Mutual fund Protection Policy
  • Insurance policy covers costs covered in criminal or civil proceedings along with written demands and investigation charges
  • Elaborate reporting period
  • Insurance options such as combination of trustees, the entire organizations employees and top management and Unit trust
  • Covers newly established subsidiaries too
  • Multi-year policies are available
  • Worldwide cover applicable
  • Can be extended to spouses too
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