HDFC Sales brings to you a variety of General Insurance Plans and Policies provided by HDFC ERGO. We relentlessly work towards providing hassle-free and efficient insurance services to our customers, whatever be their need. We offer tailor-made solutions with unmatchable features and service standards related to Motor Insurance, Health Insurance, Travel Insurance, and so on.
HDFC Ergo's my:health Suraksha is a uniquely designed health insurance plan that covers in-patient treatments, Pre & Post Hospitalisation expenses, 586 day-care procedures, Mental Healthcare, Home Healthcare, Alternative Treatments, Recovery Benefit, organ donor expenses and many more. The plan has no sub-limits on specific diseases, hospital room rent, hospital charges and even doctor fees.
The policy offers a coverage period of 1, 2 and 3 years. One also has the option of choosing between an Individual Sum Insured basis and Family Floater basis. Avail 10% Cumulative Bonus and free health check-upon every year. Enjoy a Tax Benefit U/s 80D subject to change in tax laws and even avail a 10% family discount if two or more members are covered under the same policy on Individual Sum Insured Basis.
Get access to +10,000 network hospitals for availing cashless hospitalisation and a host of wellness offers with HDFC ERGO's my:health Suraksha Plan.
Silver Smart
Your health has always been our top priority! We at HDFC ERGO take
privilege to launch our new health plan, my:health Suraksha - Silver
Smart, which aims at giving you a protection against soaring medical
expenses. Designed with a robust thought and a strong base coverage,
my:health Suraksha - Silver Smart, is a delight for individual,
families and senior citizens looking for the right health cover
ranging from 3 lacs to 5 lacs.
Gold Smart
Serving your health care needs over a decade, we at HDFC ERGO now
understand your medical requirements. Hence, keeping in mind your
growing need to secure exhaustive medical contingencies, we’ve
launched my:health Suraksha - Gold Smart a health insurance plan
which suits everyone. By settling **90% cashless claims in less than
20 minutes, HDFC ERGO knows the importance of time. Designed with a
robust thought and a strong base coverage, my:health Suraksha - Gold
Smart is a delight for individual, families and senior citizens
looking for the right health cover.
Platinum Smart
Just when you thought your health care cover may not suffice the
growing medical expenses, we’ve come up with my:health Suraksha -
Platinum Plan. It offers a higher cover of upto 75 lacs to ensure you
are never underinsured. Designed with a robust thought and a strong -
base coverage, my:health Suraksha - Platinum Plan is a delight for
individual & families looking for the right health cover.
Note: Multiple sum insured options ranging from 1 Lac to Rs 5 Cr available under my: health Suraksha
Terms & Condition Applicable*
HDFC ERGO's Home Credit Assure – Is a quadruple benefit plan designed specifically for Mortgage customers . It is a product that provides cover in respect of your personal belongings and properties. It also protects the Individuals against any hardship faced financially due to untimely diagnosis of critical illness or accidental death / disablement.
Who?
What | When | How Much |
---|---|---|
Home
|
Section I: Fire and Allied Perils, Earthquake and Terrorism | A) Building: up to 100% of Sum |
B) Content: Up to 25% of Sum Insured | ||
Section II: Burglary, Housebreaking and Theft (on 40% first loss basis) | A) Content: Up to 25% of Sum Insured | |
Note: Jewellery will be covered upto 20% of this section sum insured only | ||
"** In case of Land / Commercial Property Loan, policy will not cover Fire and Burglary Sections mentioned above" | ||
Death/ Disability |
Accident leading to Death / Disability | Up to 100% of loan amount |
Critical Illness |
Upon Diagnosis of specified Critical Illness | Up to 100% of loan amount |
Loss of Job |
Termination from employment | Up to - 3EMI |
Note: This cover will not be applicable to Self-employed person, they will get 1.5% premium discount | ||
Coverage / Age Bracket |
20-45 years | 46-55 years |
Death / Disability |
Fixed Sum Insured Basis | Reducing Sum Insured Basis(Principal Outstanding) |
Home Insurance | |
---|---|
When | How much |
Section I: Fire and Allied Perils, Earthquake and Terrorism | A) Building: up to 100% of Sum B) Content: Up to 25% of Sum Insured |
Section II: Burglary, Housebreaking and Theft (on 40% first loss basis) | A) Content: Up to 25% of Sum Insured Note: Jewellery will be covered upto 20% of this section sum insured only |
"** In case of Land / Commercial Property Loan, policy will not cover Fire and Burglary Sections mentioned above"
Death/ Disability | |
---|---|
When | How much |
Accident leading to Death / Disability | Up to 100% of loan amount |
Critical Illness | |
---|---|
When | How much |
Upon Diagnosis of specified Critical Illness | Up to 100% of loan amount |
Loss of Job | |
---|---|
When | How much |
Termination from employment | Up to - 3EMI |
Note: This cover will not be applicable to Self-employed person, they will get 1.5% premium discount |
Coverage / Age Bracket | |
---|---|
When | How much |
20-45 years | 46-55 years |
Death / Disability | |
---|---|
When | How much |
Fixed Sum Insured Basis | Reducing Sum Insured Basis(Principal Outstanding) |
Terms & Condition Applicable*
Stay secure on the road with HDFC ERGO's Motor Insurance Policy that covers your vehicle against damages, theft and third party liabilities, and comes with personal accident cover as well. Avail cashless claim services at over 7500+ authorised garages across the country with our Motor Insurance policies. Enjoy comprehensive support through our dedicated Customer Support team and Claims team, and enjoy a host of offers and discounts on buying a Motor Insurance Policy with HDFC ERGO.
Terms & Condition Applicable*
HDFC ERGO's Medisure Super Top Up Insurance is a Health Insurance policy that works alongside your current / base health insurance policy. The plan offers to enhance a larger coverage at an affordable premium. One can opt to buy the policy despite having an existing health insurance policy.
HDFC ERGO's Medisure Super Top Up covers in-patient treatments, pre and post-hospitalisation expenses, unlimited day-care procedures. The plan has lifelong renewability and offers constant premium at the age of 61 years and above. The Sum Insured ranges from 6 Lacs to 20 Lacs with aggregate deductibles being 4 Lacs or 5 Lacs.
The policy offers a 6 hours response on every cashless claim or we pay the penalty. Enjoy a Tax Benefit U/s 80D subject to change in Tax laws and even avail a 10% family discount if three or more members and 5% discount over long term policy of 2 years are covered under the same policy on Individual Sum Insured Basis.
Get access to 10,000+ network hospitals for availing cashless hospitalisation and a host of wellness offers with HDFC ERGO's Medisure Super Top Up.
Terms & Condition Applicable*
Few things in life matter as much as your home. And purchasing your dream home may have been the biggest investment you ever made. It is critical to safeguard such a priced investment from unforeseen risks like – fire, lightning, explosion, strikes, malicious damage, threats like theft and burglary, etc.
With HDFC ERGO's Home Insurance Policy you can ensure the trusted protection for your home.
Terms & Condition Applicable*
At HDFC ERGO we relentlessly work towards providing hassle-free and efficient insurance services to our customers. And when it comes to Travel Insurance, HDFC ERGO is the name you can bank upon. Be it a frequent traveller or a novice, be it travelling with your family or for business, we have your back!
Whether you happen to lose your baggage or passport or you need any kind of medical support, our Travel Insurance Policy will make sure that you get 24x7 assistance when you are away from home. The plan offers cashless hospitalisation, instant policy issuance with no medical check-ups.
Terms & Condition Applicable*
A home is the place of innumerable memories, and safeguarding your home against any eventuality is more than just an investment. Protect your property and priceless possessions against unforeseen events such as fire, lightning, explosion, riots, air craft damage etc.
With HDFC ERGO's Standard Fire and Special Perils Policy, you can ensure the trusted protection for your home. More importantly, it is brought to you by HDFC, a name synonymous with ‘home’ to millions across India, and ERGO, one of the world leaders in non-life insurance solutions.
Terms & Condition Applicable*
HDFC Sales is not an Investment Advisor and does not provide any investment or financial planning advice. The information provided on our website is for informational purposes only and it should not be considered as financial advice. Any external website links are being provided as a convenience and for informational purposes only. HDFC Sales is not responsible for the content of any external site. The detailed terms and conditions as stipulated by the financial service providers for their respective products shall be applicable. Please consider your specific financial requirements and read the terms and conditions in detail before concluding any transaction.
HDFC ERGO's General Insurance Company Limited (Formerly HDFC General Insurance Limited). CIN: U66030MH2007PLC177117. IRDAI Reg. No.146. Registered & Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Customer Service No: 022 - 6234 6234 / 0120 - 6234 6234 | care@hdfcergo.com | www.hdfcergo.com. For more details on the risk factors, terms and conditions, please read the sales brochure/ prospectus before concluding the sale. Trade Logo displayed above belongs to HDFC Ltd and ERGO's International AG and used by the Company under license. The above insurance products are underwritten by HDFC ERGO's General Insurance Company Limited.HDFC Sales Pvt. Ltd. (165-166, Backbay Reclamation, H.T. Parekh Marg, Churchgate, Mumbai - 400 020) is a Corporate Agent of HDFC ERGO's General Insurance Company Limited. IRDAI License No.CA0080.
How to file a Claim
For Accidental Injury Claims
For Hospitalisation due to Illness/Disease
*Copies of fully itemized medical bills. Itemized bills must show the patient’s name, date of treatment, the type of treatment given, the diagnosis or nature of condition being treated and the Hospital/Nursing Home’s name and address.
HDFC ERGO General Insurance Company Limited
6th Floor, Leela Business Park
Andheri – Kurla Road, Andheri (East)
Mumbai - 400059
All claims are subject to approval by Surveyor appointed by HDFC ERGO GIC LTD
CASHLESS CLAIMS
Step 1. Hospitalization:- Who Will Do it : Policy Holder.
What Should be done? locate nearest network hospital
Step 2. Avail Cashless Hospitalization & Submission of Documents:- Who Will Do it : Policy Holder.
What Should be done? Avail cashless at the network hospital by showing your health card and valid photo ID
Step 3. Preauthorization:- Who Will Do it : Network Hospital.
What Should be done? Hospital will send the cashless request to HDFC ERGO and coordinate with us for the Pre-authorisation form.
Step 4. At the time of Discharge & Settlement of claim:- Who Will Do it : HDFC ERGO.
What Should be done? HDFC ERGO/ TPA will scrutinize all the received documents and convey the final stand on the claim.
Step 5. Status Update:- Who Will Do it : HDFC ERGO.
What Should be done? You will receive an update through SMS/Emails at every stage of the claim on your registered mobile number or email id.
Step 6. Cashless authorisation & Approval of Claim:- Who will do it: HDFC ERGO & Network Hospital.
What should be done? Hospital shall send the final bill to HDFC ERGO for authorisation and HDFC ERGO shall scrutinize the same and give final authorization in case of approved transactions to the hospital. Any inadmissible expenses, copayments, deductions will have to be paid by you.
On receipt of complete documents, the claim would be processed in 1 hour from the time the last document is received.( Please note In case of internal verification the final stand will be confirmed within 24 hours from the time the last document is received by HDFC ERGO/ TPA )
For seamless processing of claims make sure to submit below details
Critical Illness Insurance Policy Claim Process
In case of any event leading to a claim under the policy, please call us at 022-6234 6234 (accessible from India Only). Our Claims service personnel will guide you on the claim procedures and documents required.
Duly filled and signed claim form.
Photocopy of ID card.
A medical certificate confirming the diagnosis of critical illness from a doctor not less qualified than MD/MS.
Investigation reports/ other related documents reflecting the critical illness diagnosis.
Original detailed discharge summary / day care summary from the hospital.
Please retain a copy of all the documents you have sent, for your records
Documents in addition to those mentioned above may be called for depending on the nature of claim lodged.Please retain a copy of the documents sent for your records.
Important Notes
Kindly be informed that delay in intimation of claim may lead to rejection of claim.
Issuance of claim form should not be taken as admission of liability under the policy on the part of the insur
" All claims are subject to approval by Surveyor appointed by HDFC ERGO GIC LTD "
Critical Illness
Provides a Lump Sum Benefit on first diagnosis after a certain, as per the policy, survival period for any one of the Critical Illnesses covered under the plan. It may have waiting period as per the policy terms and conditions e.g. Heart attack (Myocardial Infarction), Coronary artery bypass surgery, Stroke, Cancer, kidney failure, major organ transplant, multiple sclerosis, paralysis etc.
Claim intimation can happen through:-
Post the intimation, the claim hits the medico team directly
Otherwise, the claim hits the non medico queue –they capture information like NEFT, KYC and other claim related details etc. The medico team validates the information filled by non medico team as per policy terms and conditions, and exclusions
The claim moves to QC bucket post validation from Medico for final checks.
Introduction:
Claims intimation is through a dedicated email id – papayments@hdfcergo.com
Claim documents are received and then scan and uploaded from OPS team. The claim follows the queue of non medico-medico-QC-Payments(if approved)
For any query/deficiency – the reminder letter goes at a interval of 15th day,30th day and 45th day and closed at 60th day due to non-availability of response
Claim payment is done to corporate unless specified to be given to an individual
The trigger mail will go to HR person, broker and sales person
For seamless processing of claims make sure to submit below details at healthclaims@hdfcergo.com
Step 1. Claim Registration:- Who Will Do it : Policy Holder
What Should be done?
To register your claim, fill the claim form and send to us with
required documents to below address
HDFC ERGO General Insurance Company Ltd
C-25, 5th Floor, Tower 1,
Stellar IT Park,Sector-62,
Noida, Uttar Pradesh
Pin Code : 201301
Step 2. Approval of Claim:- Who Will Do it : HDFC ERGO
What will be done?
HDFC ERGO will scrutinize all documents and approve the claim. In
case additional information or documents are required, HDFC ERGO
will call for the same and upon satisfactory receipt of all
necessary documents the claim will be settled by HDFC ERGO.
Step 3. Status Update:- Who Will Do it : HDFC ERGO
What will be done?
You will get your claim updates through SMS/Emails on every stage.
Step 4. Settlement of claim:- Who Will Do it : HDFC ERGO
What will be done?
On receipt of complete documents, the claim would be processed and
payment will be made through NEFT.
Accidental Death Home Suraksha Policy
Accidental Death Individual Personal Accident
Critical Illness Home Suraksha Policy
Loss of Job
Permanent Total Disablement/Permanent Partial Disablement
Child Education (add-on with death)
Claim documents to be send to below address
HDFC ERGO General Insurance Co. Ltd. 5th floor, Tower 1, Steller IT
Park, C-25, Sector-62, Noida - 201301
G C system is used for claim intimation and processing of travel retail policies and NM (Non M otor) system is used for claim intimation and processing of travel corporate policies.
In case of travel claim, Insured /Beneficiary to reach us through following contact details -
Reimbursement claim document to be scanned and sent at travelclaims@hdfcergo.com or processing@hdfergo.com (size limit 2 MB) or can be submitted at the below address.
6th Floor, Leela Business Park, Andheri Kurla Road, Andheri East, Mumbai-400059, Ph-66383600 extn-3221
Basis the Information received, claim to be registered by HDFC ERGO call centre on respective claims system
On registration of claim, HDFC ERGO call centre executive to email claim form along with check list of documents (pertaining to respective section under which the claim is reported) to Insured
In case of document deficiency, processor sends 3 periodic reminders within 10 days each for retrieval of claim documents from the insured / claimant. The claim is not closed in the system, but if documents are not received then closure letter sent to client. (within 60 days)
Upon receipt of the complete set of claim documents the processor uploads the claim documents in the HDFC ERGO claims system and adjudicates the claim based facts and documents received
In case repudiation, the Repudiation communication is shared with customer on his registered email id only after approval from authorized person, after which the same is updated & closed in the system
Upon approval in the system, (T+1) the processor sends the settlement details to the insured person, confirms the mode of payment (NEFT (Indian account / Cheque number), and thereafter enters the payment details in the system
Claim approval limits are set in the system & approver can see claims pending for approval under his / her limits and approve or reject the claim
Upon approval in the system, as per the authority limits, payment details are moved to finance system for making payment in the requested mode
Finance department processes payment after approval done in system, upon receipt of payment details from Finance department, same are uploaded in respective closed systems and the claim is processed
Intimation of claim is mandatory for cashless
Section 1 loss: Notice of loss is required as soon as practicable but no later than 14 days after discovery.
Section 2 loss: Notice of loss is required as soon as practicable but no later than 48 hours after the loss event is triggered.
For burglary, theft, arson, riot and strike, malicious damage, immediate notice of the crime should be given to the Police/ Fire Brigade, as applicable.
In the event of a fire, immediate notice shall be given to the Fire Brigade/ Police, as applicable.
On the happening of any loss event resulting in a claim under the Policy, the Insured shall take all possible steps to minimize the loss.
The Insured must provide proof of loss with full particulars within 14 days after the date of the initial discovery.
Proof of loss must include all relevant documents together with internal and external records of any kind, correspondence with carriers, other parties, legal documents, bills, cash memos, receipts or such other documents as HDFC ERGO General Insurance Company Limited deems necessary for handling the claim.
Notice of claim shall be provided in writing to HDFC ERGO General Insurance Company Limited at its address as set forth in the policy or by email to the email address mentioned on the policy or by calling our call centre (Please consider if you would like to insert a clause stating that “All information recorded by the call centre shall be binding on the Insured”). Subsequently a claim form needs to be submitted by the Insured.
Methodology for the valuation of property is provided for in the policy.
For property losses under Sec.1 of the policy, a surveyor may be appointed to assess the loss.
For claims under Medical Illness, death and PTD, the loan amount excluding the premium financed would be paid. While for Loss of Job claim 3 EMI's at actuals would be payable.
In case of change in Rate of interest the actual EMI being charged by Bank / Financial Institution at the time of loss would be payable.
In case of fixed plans where the loans are prepaid before the end of the policy period, the 3 EMIs in case of Loss of Job claims would be paid as per the original EMI schedule.
HDFC Sales is the Corporate Agent of HDFC ERGO and the product is underwritten by HDFC ERGO. HDFC Sales Pvt.Ltd. (165-166, Backbay Reclamation, H.T. Parekh Marg, Churchgate, Mumbai- 400 020) is an authorized corporate agent of HDFC ERGO General Insurance Company Limited. IRDAI License No. CA0080.
HDFC ERGO General Insurance Company Limited. IRDAI Reg. No.146. CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. For more details on the risk factors, terms and conditions, please read the sales brochure/ prospectus before concluding the sale. Trade Logo displayed above belongs to HDFC Ltd and ERGO International AG and used by the Company under license. The above mentioned product is underwritten by HDFC ERGO General Insurance Company Limited. HDFC Sales Pvt. Ltd. (165-166, Backbay Reclamation, H.T. Parekh Marg, Churchgate, Mumbai - 400 020) is an authorized corporate agent of HDFC ERGO General Insurance Company Limited. IRDAI License No. CA0080. UIN: Motor Insurance - IRDAN125P0005V01200203, Motor Insurance- Pricing Revision- Private Cars - HDE-MO-P14-40-V02-14-15, my:health Suraksha - HDFHLIP20049V041920, my:health Medisure Super Top Up Insurance – IRDA/NL-HLT/L&TGI/P-H/V.II/31/14-15 & Critical Illness Insurance - IRDA/NL-HLT/HDFC-ERGOGI/P-H (C)/V.I/120/13-14. UID: 4542.