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A Rethink on General Insurances: Why HDFC ERGO General Insurance Should Be on Your General Insurance List

A lot of people think that life is all about living on the edge, others feel that life is more about taking it easy and enjoying the ride. Regardless of which category you fall into, there is always an element of risk in our day-to-day activities.

While we don’t exactly have to face predators and fight for food every day, urban living does have its share of more nuanced dangers. Insurance is not just about protecting yourself from physical harm, but also about creating a safety net around your possessions.

General insurance helps protect you and your most valuable possessions against contingencies like earthquakes, theft, arson, and numerous other calamities that are outside our control.

Special Offerings of HDFC ERGO General Insurance

When it comes to the Indian customer, HDFC ERGO general insurance is one of the safest bets.

The company was formed in 2002, thanks to the partnership between one of the biggest financial companies in India with the top financial company in Europe.

ERGO group, a subsidiary of Munich Re Group, operates in as many as 30 countries around the world. It is the market leader in the health and legal insurance segments and caters to a wide variety of needs for people across geographies.

In 2002, it decided to partner with one of India’s leading financial companies- HDFC. The company has a comprehensive understanding of the Indian insurance market. Formed in 1977, it has been one of the leaders in the segment for more than 40 years.

Driven by this knowledge of the Indian market and trademark German efficiency, HDFC ERGO has received many accolades as it continues to provide high-value insurance policies.

There are a number of insurance policies that HDFC ERGO provides that are potentially beneficial to the customer, regardless of background and financial status.

Some of their most popular insurance segments are-

1. Motor Insurance

When it comes to motor insurance, HDFC ERGO offers comprehensive packages for cars and two-wheelers.The latter is even available in 1, 2, or 3-year packages making it an affordable and convenient option.

They are affiliated with over 5,300 network cashless garages in India alone, making motor repair covered by insurance a hassle-free affair.

2. Health Insurance

HDFC ERGO health insurance policies cover the whole spectrum, with special packages available for an individual, family, senior citizen, parents, and even maternity insurance.

The packages come in various brackets such as gold, silver, and platinum. This makes it easier for the customer to choose one according to their budget and requirments.

The company also provides cashless insurance and top-up facilities, making the whole process even more convenient.

3. Rural Insurance

HDFC ERGO general insurance for the rural market is very popular as well. Whether it’s agricultural, health, or cattle insurance, the policies provided by the company have helped it carve out a place for itself in the rural sector.

One of the most popular policies in this segment is weather insurance, which is an index based product that covers the loss of crops by the farmer during instances of extreme weather conditions.

4. Commercial Insurance

The company’s success has of course been made possible by its strong performance in the commercial sector. In the year 2018, HDFC ERGO general insurance is one of the top names when it comes to providing insurance for business organizations and companies.

The insurance policies offered in this segment help companies stay prepared for potentially damaging situations like white-collar crime, litigations, employee disputes, and even extortion attempts.

Other interesting options available for individual general insurance include its various travel insurance, home insurance, and personal accident insurance packages.

This rich variety of plans and policies are bound to cover most of your insurance needs. There are a number of policies available that vary depending on price and longevity, but one thing that is guaranteed is peace of mind and the knowledge that you’re prepared for any unforeseen situation.


Thanks to the internet, one no longer has to have long, winding conversations with insurance agents before they figure out which policy works for them.

There are now websites which provide comprehensive information about competing insurance plans, helping you choose the one best suited to your needs.

Websites like allow you to browse through different insurance policies at your leisure. It provides you with a platform to browse, compare, and finalize the perfect general insurance plan for you!