• What is covered under Third party policy?

    Accidental injury/death to third party, property damage

  • Does it covers any accidental damage of the insured vehicle?

    No, it covers damage happened only to the third party

  • Whether Third party policy can be taken for all types of vehicles?

    Yes, it can be taken for all vehicles which are registered

  • Whether Third party policy can be taken for a 15 year old vehicle?

    Yes, currently system accepts only those vehicles which are registered on or after 1950.

  • Can a VLE issue a Third party case of a vehicle registered outside AP?

    Yes, he can issue.

  • What all documents is required for issuing a Third party policy?

    Previous policy copy (Optional) & Vehicle RC copy (Mandatory)

  • What is a break in insurance case?

    Break in case refers to those vehicles which doesn’t have a valid insurance. If the previous insurance policy has lapsed then its called a break in case, there will be cases where there won’t be any previous policy also.

  • Whether a VLE can issue a policy for the vehicle which doesn’t have any previous insurance policy?

    Yes, policy can be issued for such cases, but vehicle has to be brought to the VLE point along with RC copy.

  • Is chassis imprint mandatory for break in cases?

    No, chassis imprint is not mandatory

  • Will the premium change with respective to age of the vehicle?

    No, premium wont change with the age of the vehicle but it depends on the category of vehicle and engine capacity within each category. A premium chart will be provided for your readymade reference of premium.

  • Can a VLE renew the policy of other insurance companies or he can renew only policies of HDFC ERGO?

    A VLE can renew policies of any insurance company, may the previous policy be of any pvt sector or govt sector company, a VLE can renew the same at his center through CSC portal

  • How will a VLE receive the commission and on what interval?

    VLE will receive the Transaction Fee instantly.

  • How can a VLE collect premium from the customers?

    VLE can collect premium by cash from customers but while issuing policy the premium will be deducted from the e wallet, hence the e wallet has to be recharged with sufficient balance before policy issuance.

  • Can a VLE issuance policy through any other means other than CSC portal?

    No, a VLE can issue a policy only through the CSC portal, that too after becoming a RAP.

  • Before how many days we can issue a policy?

    We can issue a policy before 90 days of policy expiry For example if policy expires on October 15th, you can issue a policy after August 15th. New policy start date will be next day of the existing policy date.

  • What would be policy start day if it is a break in case?

    If policy is break in then the policy start date will be next date of policy issue date.

  • Is there any coverage for owner and driver?

    Yes, there is coverage for owner and driver, (1 lac coverage for two wheeler and 2 lacs for other vehicles)

  • Can we issue policy 24*7?

    Yes, It’s a on line policy issuance, you can issue any day any time.

  • Whom should the VLE contact in case of any doubt while issuing policy?

    You can get in touch with HDFC ERGO Call Center at 022-62344950 (9:00 AM to 9:00 PM).

  • Why do I need health insurance?

    With the development in technology, treatments and the availability of more effective medicines the cost of healthcare has steeply increased. All this increase ends up being a burden for the consumers, making healthcare unaffordable for many. This is where HDFC ERGO’s health insurance policies come into play, as they take care of the hospitalization and treatment charges, leaving the consumer free of financial woes.

  • What are the benefits of having a health insurance policy?

    Having a health insurance policy covers expenses incurred due to hospitalization. This includes in-patient treatments, pre and post hospitalization charges, day care procedures, domiciliary treatments, etc.

  • Is it possible to apply for the policy online?

    All HDFC ERGO Insurance Plans are available online for purchase via various online payment options. Simply take our online journey for the product that suits you best & apply with just a few clicks.

  • How can I get a new member added to my existing family floater?

    You need to fill a health declaration and an endorsement form and the new member will be added to your existing family floater at an additional amount.

  • Can I change the hospital during the course of treatment?

    Yes, if needed you can change the hospital during the treatment. However, you might need to provide necessary information for a smooth claim process

  • Can I take policy for my kid who is 3 years old?

    You cannot take an independent policy for a 3 year old. Children below 5 years are covered only when both the parents are covered under the policy

  • Is the coverage worldwide?

    In certain conditions you might be eligible for reimbursement of overseas treatment, such as pre-diagnosed planned hospitalization, outpatient treatment, and second opinion in case of sudden illness while travelling .

  • Does my policy covers diagnostic charges?

    Most pre hospitalization and post hospitalization expenses (up to 60 days) are  covered under the policy, such as X - rays, CT scan, MRI, ultrasound nursing, physicians, medicines , other diagnostic needs. After successful completion of 4 claim-free year, you are eligible for free health check-up as well. This is subject to no medical adversities.

  • Can I cancel my policy mid-duration?

    Most insurance plans have a 15 day cooling off period called as free-look period during which you can cancel your policy. However, in case you wish to cancel the policy mid-term then you need to provide a suitable reason for cancellation. Premium refund is subject to nil claims & as per the refund chart mentioned in the policy wordings.

  • What happens if the primary insured passes away?

    In case of the death of primary insurer, the other adult person may continue with the policy and the sum insured will remain the same.

  • How do I make changes in my policy details after receiving the policy documents?

    You can change your policy details online through our website hdfcergo.com. Visit the 'HELP' section on the website and place a request. To place request or explore services, click here

  • When does my policy get into force?

    Your insurance cover starts from the commencement date indicated on the policy schedule, this could be any selected date (not later than 15 days) after date of payment of premium.

  • Can a HUF / Leased (Mahada/ Cidco) property be insured??

    If you have financial interest in the property as owner or leaser then you can insure the property.

  • How to get claim reimbursement?

    Register your claim within 7 days of hospitalization and send us a duly signed claim form along with all the mentioned documents within 15 days and you are done. The approved claim will be paid within 30 days.

  • What happens to the standard fire and special perils policy, if the insured house is sold?

    From the time the transfer of ownership becomes effective, the policy stands cancelled & the insured ceases to be an insured under the policy. We will then refund the premium for the balance insured period.

  • What happens after the home insurance claim is registered?

    Surveyor contacts the customer in 48 hours time. Claim form is sent to customer correspondence address within 7 working days time.

  • Will the company pay for debris removal during the reconstruction of the property? If yes how much?

    Yes, the company will pay a maximum of 1% of the total claims amount for debris removal.

  • What are the benefits payable under this policy?

    Now you can protect your entire family with Personal Accident Insurance against accidental injuries. The policy provides the benefits to you and your family, for Accidental Death, Permanent Disability, Broken Bones, Burns due to an accident. It also provides benefit of Ambulance cost and hospital cash.

  • How many members can be included under the Family Plan?

    You can include your spouse as well as two dependent children under the Family Plan.

  • Can I include my parents in this policy?

    Yes, you can include your dependent parents up to 70 years. Personal Accident Insurance provides add on benefits for your dependent parents with an affordable flat rate. Now you can give back a small measure of the love and concern they showed for you.

  • What are the available plans with under this policy?

    HDFC ERGO offers you a wide range of Sum Insured, from Rs. 2.5 lakh to 15 lakh with four plan options to choose.

    1. Self Plan
    2. Self & Family Plan
    3. Self + Dependent Parents Add-on.
    4. Self & Family Plan + Dependent Parents Add-on

  • What is the definition of a dependent child?

    Dependent child means an unmarried dependent child residing with the insured person between the age of 3 months and up to 18 years or up to the age of 21 if in full time education

  • Is there an age limit for opting Personal Accident Insurance policy?

    Personal Accident Insurance is open to everyone from the age of 18 years to 65 years.

  • How do I make a claim?

    You can make a claim by calling 022-6234 6234 (Accessible from India only) or 022 66384800 ( Local / STD charges apply). We will then assist you with the submission of the documents required and the process will be completed within 7 working days, once all the required documents are submitted.

  • When does my policy start?

    The policy will commence within 15 days from the date of receipt of form & premium payment.

  • What kind of documentation is required?

    The best part of this policy is that it has hassle free documentation. All you need to do is fill the complete proposal form with relevant details and sign it .Tick any one plan and attach a cheque or fill the credit card details in the form.

  • What is the benefit of broken bones under this policy?

    Pays 10 % of Sum Insured upto 50,000(for dependent parents), if an accident results in broken bones.