HDFC ERGO - 0.00% for Insurance and Investment - Health Insurance
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Last updated: 19 Sep 2025, 01:27 PM
HDFC ERGO Health Insurance: Comprehensive Protection with Speed and Trust
HDFC ERGO General Insurance Company Limited, established in 2002 as a joint venture between HDFC Ltd. (India's leading housing finance institution) and ERGO International AG (part of Munich Re Group from Germany), is headquartered in Mumbai. It is a top private general insurer in India, specializing in health, motor, travel, and more, with a strong focus on innovative, customer-centric solutions.
In-Depth Details
Key Highlights
- Products Offered: 50+ specialized plans, including individual health (e.g., Optima Secure with 4X coverage, Optima Restore), family floaters (e.g., My:Health Suraksha), super top-up (e.g., My:Health Medisure), critical illness covers for up to 15 illnesses, senior citizen policies, group health, personal accident, overseas travel (e.g., Travel Explorer), and add-ons like maternity and wellness benefits—offering cashless treatment, AYUSH coverage, and customizable options.
- Reach & Scale: 150+ offices across India, 15,000+ network hospitals for cashless claims, serving 3.2 crore+ customers, with over 12,000 crore in claims settled to date; Gross Written Premium: ~₹16,000 crore (FY 2023-24).
- Performance Metrics: Incurred Claim Ratio of 95.30% (FY 2023-24); settles 3 claims every minute, with cashless approvals in 2 hours; over ₹12,000 crore claims paid lifetime.
- Achievements: 'Best General Insurance Company' at 7th Annual Insurance Conclave & Awards 2024; Gold Award for Innovative Social Media App 2024; 'Most Innovative Mobile App' 2024; 2nd rank for Optima Secure in Mint Beshak Ratings 2024; recognized for swift claims and digital excellence.
