HDFC ERGO General Insurance Company Limited is one of the leading General Insurance companies in India. www.hdfcergo.com is official website of HDFC Ergo General Insurance Co.Ltd. Regularly HDFC Ergo makes an effort to manage and provide superior customer support service to the current day customer. HDFC Ergo General Insurance Company Limited offers right insurance solution for people. They also give a perfect General Insurance guide and stress-free experience to customers. Entire range of general insurance products is provided by HDFC Ergo to customer. HDFC Ergo has online insurance policy purchase facility. The general insurance products include personal insurance, commercial insurance, and rural insurance.

Screenshot of www.HDFCErgo.com

HDFC Erg was founded in 2002 and headquartered at Mumbai. At present, HDFC Ergo exists in 71 cities with 78 branches with an employee base of more than 950 professional. They has distribution channel like dealerships, brokers, retail and corporate agents, banc assurance and direct sales team. At the end of FY 2007-2008, company’s Gross Written Premium was 239.69 crores and Net Earned Premium was approximately 150.05 crores.

HDFC Ergo General Insurance Company Limited is a joint venture of two company HDFC Limited and ERGO International AG. HDFC Ltd is leading a Housing Finance Company in India which operates in banking, mutual fund, life insurance and general insurance sectors. ERGO International is the primary insurance part of the Munich Re group, Germany. ERGO International functioned in 25 countries in Europe and Asia with an estimated customer base of 33 million. 74 percent stake of HDFC Ltd and 26 percent stake of ERGO International is including in HDFC Ergo General Insurance Co. Ltd.

Product and Services of HDFC Ergo General Insurance Co. Ltd.:

HDFC Ergo General Insurance Company Limited offers personal insurance, commercial insurance, and rural insurance. Personal insurance has motor insurance, health insurance, travel insurance, home insurance, and personal accident insurance. The specialty, property & misc., casualty, and group insurance are included commercial insurance products. Rural insurance includes gramin suraksha bima, privar suraksha bima, cattle insurance, and rainfall index insurance. Aim of HDFC Ergo is to serve appropriate insurance solutions to all its customers.

1.Personal Insurance:

• Motor Insurance:
  (a)Private Car: Motor Insurance protects your vehicle with car insurance package policies for private cars. HDFC ERGO General Insurance ensures you, when you require. You can get Car Insurance with package post-accident assistance.
  (b)Commercial Vehciles: HDFC ERGO has commercial vehicle insurance policies which provide protection to your business from a financial loss arising due to accident or damage of your vehicle, your legal liability towards third parties for personal injury, death and property damage because of any accident relating your vehicle. Commercial Vehicle Insurance policies includes various classes of vehicles like passenger carrying vehicles, goods carrying vehicles, miscellaneous and special types of vehicles, both private and public carrier, trailers, mobile rig, shovels, grader, tipper, tractor, excavator etc.
• Home Insurance: Home stays in heart of Your Family, your possessions, your priceless investment and your memories. Home Insurance Service is means to protect your home. By Home Insurance policies you can get affordable coverage for your property and wealth against almost any possibility.
• Health Insurance:
  (a) Health Suraksha: HDFC Ergo offers Health Insurance plan as Health Suraksha. This plan is designed to cover your pre and post hospitalization costs and other treatments. You ensure about that you can use your hard-earned savings for higher education of your child or his dream wedding, a well deserved family vacation or almost everything which you dreamt for your life.
  (b) Critical Illness: Critical Illness Insurance Policy of HDFC Ergo is planned exclusively to requirements of the high costs of treatments. This policy provides payment on the very first diagnosis for ensuring of your best-in-class treatment with easy and stress-free claims process. Thus you expend your valuable time with your dear one instead of running for arranging funds.
• Travel Insurance: HDFC Ergo Travel Insurance is covering pleasure and business travel, you will find sufficient coverage for a premium which is lower than your hope. This policy is planned to ensure and protect your travel worries related loss of passport, a sudden ailment, loss or delay of your luggage.
• Personal Accident Insurance:
  (a) Accident Protection Plan: HDFC Ergo Accident Protection Plan gives accident insurance round the clock, round the year and round the world. This insurance policy is a type of an investment for your family's future.
  (b) Revive: HDFC ERGO Revive Policy can assure your family with protection and financial security in such a critical time. Revive Policy is a less cost family cover package which complete of broken bones coverage for your parents up to 70 years.

2..Commercial Insurance:

• Specialty Insurance: Against broad range of corporate risks like white collar crime, litigation, employment disputes and extortion attempts, HDFC Ergo gives protection by Specialty Insurance policy. Its key products give protection against directors & officers liability, crime insurance, professional indemnity, forefront portfolio, mutual fund protection, venture capital, employment liability, educator's professional liability insurance, kidnap/ransom and extortion insurance in Indian market.
• Property: HDFC ERGO Property Covers provides insurance for loss of property by fire and other risks to companies and firms. HDFC ERGO Property covers its key products like business suraksha, baggage insurance, contractors plant & machinery, contractors all risk, electronic equipment, burglary,erection all risk, marine insurance, money insurance, etc.
• Casualty: HDFC Ergo’s Casualty Insurance is helpful policy to companies that handle a wide range of liability risks. Its insurance products include commercial general liability, INT errors and omissions, and product liability. They also provide liability insurance solutions and services for private and public companies, not-for-profit organizations, start-up firms and information and network technology companies.
• Group Insurance: Group Insurance of HDFC Ergo is range of group accident & health insurance products which covers all risk arising from business travel to group personal accidents. They offer group insurance to you and your employees to protect health and accidental risks. These insurance key products include Group Travel Insurance, Group Medical Insurance, Group Personal Accident Insurance.

3.Rural Insurance:

• Gramin Suraksha Bima: Gramin Suraksha Bima policy is available at an inexpensive cost for members of Micro Finance Institutions, Non Government Organisations, Government Sponsored Organisations and such affinity groups / institutions in rural and social sectors. Gramin Suraksha Bima is eligible for 18 to 60 years old persons.
• Parivar Suraksha Bima: Parivar Suraksha Bima policy is available for age of between 18 to 60 years persons and who is member (in group) of Micro Finance Institutions, Non Government Organisations, Government Sponsored Organisations and such affinity groups / institutions in rural and social sector. Family Floater option is accessible in which one single policy offers accident insurance and hospitalization cover of complete family.
• Cattle Insurance: HDFC Ergo Cattle Insurance is providing to persons having cows, bullocks or buffaloes of either sex certified as being in sound and perfect health and free from injury or disease by a veterinary doctor or surgeon and who are Members (in groups) of Micro Finance Institutions, Non Government Organisations, Government Sponsored Organisations and such affinity groups and institutions in rural and social sector.
• Rainfall Index Insurance: HDFC Ergo Rainfall Index Insurance Policy is a mechanism for offering helpful risk management to individuals and institutions at an inexpensive cost when adverse rainfall incidence. This Policy is available for agricultural community who has farm incomes from cultivable area and who may face Rainfall Deficit. They must be Members (in groups) of Micro Finance Institutions, Non Government Organisations, Government Sponsored Organizations and such affinity groups / institutions in rural and social sector.

To claim: HDFC Ergo provides ease any comfortable claim procedure. For claim just call at its toll free number then you can get claim intimation and effective claim settlement. Their claim process is based on internet enabled software. At the time of claim, the loss adjustor will contact you within 6 hours of intimation and be inspecting your vehicle/loss within 24 hours. So their assistants give guidance to you. HDFC Ergo takes care of you and your family.

Source: www.hdfcergo.com

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