HDFC ERGO General Insurance Company Limited, a joint venture between HDFC Ltd. And ERGO International AG, was founded in 2002. IT India’s fourth-largest private general insurer, offering a 98.70% claim settlement ratio as of 2026. The company covers over 2.2 crore lives under PMSBY as of May 31, 2024, demonstrating its significant market presence.
| Parameter | Details |
|---|---|
| Company Name | HDFC ERGO General Insurance Company Limited |
| Joint Venture Between | HDFC Ltd. (India) and ERGO International AG (Germany) |
| Joint Venture Ratio | 74:26 (HDFC Ltd.: ERGO International AG) |
| Year Founded | 2002 |
| Headquarters | Mumbai, India |
| Operational Commitment | 24 years (as of 2026) |
| Market Position (2026) | 4th largest private general insurer in India |
| Claim Settlement Ratio (2026) | 98.70% |
| Complaint Volume (2026) | 4.99 out of 10,000 claims |
| Network Hospitals (Health) | 16,000+ across India |
| Cashless Garages (Motor) | 7,600+ across India |
| Lives Covered (PMSBY) | 2,20,22,018 (as on May 31, 2024) |
| Gross Written Premium (FY2019) | ₹8,722 crore |
| Net Written Premium (FY2019) | ₹4,373 crore |
| Market Share (March 31, 2019) | 5.1% |
| Branches | 109 |
| Cities of Operation | 89 |
| Customer Care (New Policy) | 022 6242 6242 |
| Customer Care (Policy Queries) | 022 6234 6234 |
HDFC ERGO’s extensive network of hospitals and garages, combined with its high claim settlement ratio, its commitment to reliable insurance services across India.
HDFC ERGO Insurance Plans in India
HDFC ERGO offers a diverse portfolio of insurance plans in India, covering health, motor, travel, and home needs. As of 2026, health insurance plans start from ₹27/day, while car insurance premiums begin at ₹2,094, and two-wheeler insurance at ₹538/year.
| Type/Category | Details | Key Feature |
|---|---|---|
| Health Insurance | Individual, Family, and Senior Citizen plans | Cashless hospitalization at 16,000+ network hospitals, Tax benefits under Section 80D, Pre and Post Hospitalization, Day Care Procedures, Preventive Health Check-Up, Mental health illness coverage, COVID-19 coverage, Diabetes coverage (Type 1 & 2), Cataract coverage |
| Travel Insurance | International travel insurance for individuals, families, and business travelers | Covers flight delays, luggage loss, passport loss, medical emergencies abroad (1 lakh+ cashless hospitals worldwide), 24×7 global assistance, 0% GST rate on premiums (since Sept 2025), OPD treatment expenses for emergency care hospitalization |
| Car Insurance | Motor insurance for four-wheelers | 99.8% claim settlement, NCB up to 50%, 9,000+ cashless garages, PA cover up to ₹15 lakh, Doorstep services, Legally mandatory third-party insurance |
| Two-Wheeler Insurance | Bike insurance | Covers damages due to accidents, natural calamities, theft, burglary, and third-party liability |
| Senior Citizen Health Insurance | Specific health insurance options for individuals aged 60 and above | Covers hospitalization costs, protects against rising medical expenses, IRDAI mandated premium increase limit (max 10% annually without approval), 24×7 senior citizen helpline |
| Optima Secure Health Insurance | A specific health insurance plan | Strong choice for long-term buyers, offers benefits like growing cover and restoration, high claim settlement ratio (98.70%), ₹16,000+ hospital network |
| Optima Restore Health Insurance | A specific health insurance plan | Offers up to ₹2 crore cover, 10,000+ cashless hospitals, high claim ratio |
| Home Insurance | General insurance for homes | Part of HDFC ERGO’s full general insurance offerings, maximum coverage period of 5 years, sum insured increase provision of 10% at the end of every year |
| Cyber Insurance | Insurance for cyber security needs | Available through the ‘Here by HDFC ERGO’ app |
| Pet Insurance | Insurance for pets | Available through the ‘Here by HDFC ERGO’ app |
| Critical Illness Insurance Plan | Coverage for specified critical illnesses | Provides a lump sum payout upon diagnosis of covered critical illnesses |
| Personal Accident Insurance Plan | Coverage for accidental death or disability | Worldwide coverage, lifelong renewability, covers up to ₹15 lakhs |
| Rural Sector Products | Insurance solutions for agricultural and rural needs | Includes Rainfall Index Insurance, Pradhan Mantri Fasal Bima Yojana, and Cattle Insurance Policy |
| E@Secure Insurance | Digital-first insurance solutions | Designed for online purchase and management |
| Property Insurance | Coverage for various types of property | Part of HDFC ERGO’s extensive general insurance offerings |
| Marine Insurance | Insurance for goods in transit and marine vessels | Covers risks associated with sea, air, and land transit |
| Liability Insurance | Protection against third-party claims | Covers legal liabilities arising from business operations or personal actions |
HDFC ERGO’s diverse product range ensures full coverage for various personal and commercial insurance requirements across India.
HDFC ERGO Performance Metrics 2026
HDFC ERGO General Insurance, a joint venture between HDFC Ltd. And ERGO International AG, operates as India’s fourth-largest private general insurer as of 2026. The company maintains a high claim settlement ratio of 98.70% and a vast network of over 16,000 cashless hospitals nationwide.
| Metric | Value (as of 2026) | Source |
|---|---|---|
| Claim Settlement Ratio (FY 2026) | 98.70% | HDFC ERGO Health Insurance Review (2026) |
| 3-Year Average Claim Settlement Ratio (2021-2024) | 96.71% | HDFC ERGO Claim Settlement Ratio: June 2026 |
| Network Hospitals for Cashless Treatment | 16,000+ across India | HDFC ERGO Health Insurance Review (2026) |
| Complaint Volume (per 10,000 claims) | 4.99 | HDFC ERGO Health Insurance Review (2026) |
| Ranking among Private General Insurers | 4th largest in India | HDFC ERGO Health Insurance 2026 – Optima Plans & Premiums |
| Claims Processed | One claim every minute | HDFC ERGO Official Website |
| Customer Trust Rating | No. 1 for customer trust | Onsurity (Top 10 Health Insurance Companies In India 2026) |
| HDFC Ltd. And ERGO International AG Joint Venture Ratio | 74:26 | HDFC ERGO Health Insurance 2026 – Optima Plans & Premiums |
| Lives Covered under Pradhan Mantri Suraksha Bima Yojana (PMSBY) | 22,02,2018 (as of May 31, 2024) | HDFC ERGO General Insurance Official Website |
| Operational Commitment in India | 24 years (as of 2026) | HDFC ERGO General Insurance Official Website |
| Car Insurance Claim Settlement Rate | 99.8% | HDFC ERGO Official Website |
| Cashless Garages for Car Insurance | 9,000+ | HDFC ERGO Official Website |
| Personal Accident (PA) Cover | Up to ₹15 lakh | HDFC ERGO Official Website |
| GST Rate on Travel Insurance Premiums for Indians | 0% (since September 2025) | HDFC ERGO Travel Insurance Official Website |
| Basic Sum Insured (Individual Health Policies) | ₹1 lakh to ₹5 lakh | HDFC ERGO Health Insurance 2026 – Optima Plans & Premiums |
| Basic Sum Insured (Floater Health Policies) | ₹2 lakh to ₹5 lakh | HDFC ERGO Health Insurance 2026 – Optima Plans & Premiums |
| HDFC ERGO Branches | 109 | HDFC ERGO General Insurance Official Website |
| Cities of Operation | 89 | HDFC ERGO General Insurance Official Website |
These metrics HDFC ERGO’s strong market position and commitment to customer service and extensive network coverage across India, for policyholders seeking reliable insurance solutions.
HDFC ERGO Claim Process Explained
HDFC ERGO offers a streamlined claim process, ensuring quick assistance during distress with its in-house claims team. The company maintains a high claim settlement ratio of 98.70% as of May 2026, reflecting its commitment to policyholders.
Policyholders can initiate claims through various channels, including online portals and a dedicated 24×7 helpline. The process is designed for minimal friction, supported by a vast network of over 16,000 cashless hospitals across India.
- Cashless Claim (Health Insurance): For cashless hospitalization, get admitted to one of HDFC ERGO’s 16,000+ network hospitals. The insurer directly settles approved medical expenses with the hospital, reducing out-of-pocket costs.
- Reimbursement Claim (Health Insurance): If treated at a non-network hospital, pay the bills yourself and submit all original documents to HDFC ERGO for reimbursement. This includes hospital bills, discharge summary, and diagnostic reports.
- Motor Insurance Claims: HDFC ERGO 99.8% car insurance claim settlement rate and a network of 9,000+ cashless garages. For vehicle damage, inform the insurer immediately and take your vehicle to a network garage for cashless repairs.
- Travel Insurance Claims: The travel insurance claim process involves four easy steps, covering medical emergencies or travel-related issues abroad. Policyholders can contact travelclaims@hdfcergo.com or use the provided partner hospital locators for assistance.
- Required Documents: Common documents for claims include the policy document, claim form, medical reports, hospital bills, discharge summary, and FIR (for theft or accident cases). Ensure all documents are submitted within the specified timelines.
- Online Claim Submission: HDFC ERGO helps online claim registration through its website and mobile app, allowing policyholders to upload documents digitally. This speeds up processing and provides real-time claim status updates.
- 24×7 Customer Support: For immediate assistance, HDFC ERGO provides a 24×7 senior citizen helpline at +91 22 6158 2026 for queries and concerns. General policy queries can be directed to 022 6234 6234.
- Claim Status Tracking: After registering a claim, policyholders receive a reference number to track the status online or through customer service. This transparency helps manage expectations regarding claim settlement timelines.
HDFC ERGO’s focus on technology-driven solutions and a strong support system aims to provide a hassle-free experience for its policyholders in India.
Benefits of HDFC ERGO Insurance
HDFC ERGO General Insurance offers a wide range of benefits, including a high claim settlement ratio of 98.70% as of May 2026. Policyholders also gain access to a vast network of over 16,000 cashless hospitals across India.
- Extensive Network Hospitals: HDFC ERGO provides cashless hospitalization at more than 16,000 network hospitals nationwide, ensuring access to quality healthcare without upfront payments.
- High Claim Settlement Ratio: The company maintains a strong claim settlement ratio of 98.70% (as of May 2026), reflecting reliable claim processing for policyholders.
- full Health Coverage: Plans like Optima Secure Global Plus offer health insurance coverage both within India and abroad, protecting against rising healthcare costs.
- Motor Insurance Discounts: HDFC ERGO Car Insurance offers discounts up to 60% for cars over five years old and provides access to over 5,000 cashless garages.
- Tax Benefits: Health insurance plans from HDFC ERGO offer tax savings under Section 80D of the Income Tax Act, reducing the overall cost of premiums.
- No-Claim Bonus: Policyholders can earn a cumulative bonus of 10% up to 100% of the base sum insured on plans like Easy Health Standard, even without making claims.
- 24/7 Customer Support: A dedicated 24×7 senior citizen helpline (+91 22 6158 2026) is available for quicker assistance with queries and concerns.
These benefits HDFC ERGO’s commitment to full coverage and customer support across its diverse insurance offerings.
HDFC ERGO Vs. Competitors: Health Insurance
HDFC ERGO is India’s fourth-largest private general insurer, offering a wide network of 16,000+ cashless hospitals as of 2026. Its claim settlement ratio stands at 98.70%, reflecting strong operational performance compared to many peers.
| Feature | HDFC ERGO | ICICI Lombard | Care Health |
|---|---|---|---|
| Claim Settlement Ratio (3-year average) | 98.70% (2021-2024) | Not specified | Not specified |
| Network Hospitals | 16,000+ (across India) | Not specified | Not specified |
| Family Floater Plan Coverage | Up to 4 adults and 6 children (Optima Secure+) | Up to 2 adults and 3 children (Elevate) | Not specified |
| Maternity Coverage | Via Parenthood Rider (Optima Secure), newborn not auto-included | Optional add-on (Elevate), covers normal/C-section and newborn care | Not specified |
| Post-hospitalisation expenses | 180 days | 60 days | 180 days |
| AYUSH Treatment Coverage | Up to sum insured | Up to 25% of sum insured | Up to sum insured |
| Complaint Volume (per 10,000 claims) | 4.99 | Not specified | Not specified |
| Basic Sum Insured (Individual Plans) | ₹1 lakh to ₹5 lakh | Not specified | Not specified |
| Basic Sum Insured (Floater Plans) | ₹2 lakh to ₹5 lakh | Not specified | Not specified |
While HDFC ERGO offers extensive network hospitals and a high claim settlement ratio, comparing specific plan features like maternity and AYUSH coverage across insurers helps in making an informed choice for 2026.
HDFC ERGO Senior Citizen Plans
HDFC ERGO offers various health insurance plans specifically designed for senior citizens in India, addressing their unique healthcare needs. These plans help cover rising medical expenses and hospitalization costs for individuals aged 60 and above.
As of 2026, the IRDAI mandates that insurers cannot increase senior citizen premiums by more than 10% annually without prior approval, ensuring affordability.
- Optima Senior Plan: This plan is tailored for the elderly, providing full coverage for age-related health concerns. IT focuses on extensive hospitalization benefits.
- My:health Medisure Super Top Up Plan: Senior citizens can use this plan to their existing health insurance coverage. IT offers additional sum insured at a lower premium once the base policy’s sum insured is exhausted.
- Critical Illness Insurance Plan: This plan provides a lump-sum payout upon diagnosis of specified critical illnesses, which is for seniors. IT helps cover treatment costs and other related expenses.
- Day2Day Care Plan: Designed for routine medical needs, this plan covers outpatient department (OPD) expenses, doctor consultations, and diagnostic tests. This is beneficial for frequent medical check-ups.
- iCan Insurance Plan: This specialized plan offers coverage for individuals with pre-existing conditions like diabetes and hypertension, common among senior citizens. IT ensures access to necessary medical care.
HDFC ERGO also provides a 24×7 senior citizen helpline at +91 22 6158 2026 for dedicated assistance with queries and claims.
How to Buy HDFC ERGO Policy Online
Buying an HDFC ERGO insurance policy online is a straightforward process, allowing customers to secure coverage for health, motor, and travel needs from their homes. The company has served India for 24 years with technology-driven insurance solutions, ensuring a hassle-free experience.
HDFC ERGO offers various insurance products, with premiums for health plans starting at ₹27 per day and car insurance from ₹2,094 (as of 2026).
- Visit the Official HDFC ERGO Website: to the HDFC ERGO official website (hdfcergo.com) to explore available insurance products like health, car, two-wheeler, and travel insurance.
- Select Your Desired Policy: Choose the specific insurance type you need, such as a Health Optima Secure plan or a full Car Insurance policy. The website provides detailed information on each plan’s features and benefits.
- Provide Required Details: Enter personal information, vehicle details, or travel specifics as prompted by the online form. For travel insurance, ensure you have an active Indian Passport and plan to return to India.
- Review Policy Options and Premiums: Compare different coverage options and their associated premiums. For instance, health insurance plans start at ₹27/day, while car insurance premiums begin at ₹2,094 (as of 2026).
- Make Online Payment: Complete the purchase by making a secure online payment using various digital payment methods. Travel insurance premiums for Indians have benefited from a 0% GST rate since September 2025.
- Receive Policy Documents: After successful payment, your policy documents will be issued and sent to your registered email address. HDFC ERGO’s digital process ensures quick delivery of policy papers.
The online purchase process for HDFC ERGO policies is designed for convenience, offering instant coverage and access to policy details.
Key Takeaways
- HDFC ERGO offers a 98.70% claim settlement ratio and a network of over 16,000 cashless hospitals across India (as of May 2026).
- Health insurance plans are available from ₹27/day, and car insurance policies start at ₹2,094 (as of 2026).
- Travel insurance premiums for Indian nationals have a 0% GST rate since September 2025, making them more affordable.
Visit the official HDFC ERGO website to explore plans and purchase your policy online.
Frequently Asked Questions (FAQs)
What types of insurance does HDFC ERGO offer in India?
HDFC ERGO General Insurance offers a wide range of policies in India, including health insurance, motor insurance (car and two-wheeler), travel insurance, and home insurance. The company is India’s 4th largest private general insurer, formed as a joint venture between HDFC Ltd. And ERGO International AG.
Does HDFC ERGO provide cashless hospitalization in India?
Yes, HDFC ERGO offers cashless hospitalization at over 6,000 network hospitals across India as of 2026. Insured members can receive treatment at these hospitals without upfront payment, as the insurer directly settles expenses with the facility.
What is the minimum sum insured for HDFC ERGO health insurance plans?
For individual health insurance policies, the basic sum insured starts from ₹1 lakh per policy year. Floater policies, designed for families, typically begin with a sum insured of ₹2 lakh as of 2026.
Can senior citizens get health insurance from HDFC ERGO?
Yes, HDFC ERGO offers various health insurance options specifically for senior citizens, including base plans and super top-ups. These plans help cover hospitalization costs and protect against rising medical expenses for individuals aged 60 and above.
Is travel insurance from HDFC ERGO mandatory for Indians traveling abroad?
While not always mandatory for all destinations, travel insurance a financial safety net for health and travel-related emergencies abroad. Since September 2025, travel insurance plans for Indians have become more cost-effective due to a 0% GST rate on premiums.
How can I contact HDFC ERGO for senior citizen health insurance queries?
Senior policyholders can contact HDFC ERGO’s dedicated 24×7 senior citizen helpline at +91 22 6158 2026 for assistance with queries or concerns. This specialized helpline ensures quicker support for elderly customers.
What is the claim process for HDFC ERGO travel insurance?
The claim process for HDFC ERGO Travel Insurance involves four easy steps, typically initiated by contacting the insurer or their partner network. For medical emergencies abroad, you can find partner hospitals via their website or email travelclaims@hdfcergo.com.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.