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The company holds an Incurred Claims Ratio of 76.90 % for 2016/17. Incurred. Claim Ratio is calculated as the net claim settled by an insurer to the net premiums collected in any given year.
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HDFC ERGO offers products like Motor, Health, Travel, Home and Personal Accident Insurance in the retail space and customized products like Property, Marine and Liability Insurance in the corporate space through its vast network of 122 branches which is spread across 106 cities and a wide distribution network..HDFC ERGO has left no stone unturned in providing customer service, as the the Company follows a 30 minute turn- around-time (TAT) for the processing of pre-authorised cashless Health Insurance Claims and a 15 minute TAT to process pre-authorised cashless Motor Insurance claims.
Overview HDFC ERGO General Insurance Company Limited is a joint venture between HDFC Ltd. and ERGO International AG, a Germany-based company that is part of the Munich Re Group. HDFC holds 51 per cent, and ERGO the other 49 per cent. The firm operates in 101 Indian cities with over 117 branches and 2,000 staff members.[2]In 2002, HDFC Ltd. and ERGO International AG formed a general insurance joint venture company, named HDFC ERGO General Insurance Company Limited with its headquarter in Mumbai.
The most important differentiator is InsureMile’s ‘Buy A Policy, Feed A Child’ mission. For every policy you buy, InsureMile on your behalf contributes 25 meals to a child. You are thus becoming part of a Social Movement to eradicate hunger among children in India. There is no additional amount to be paid for the social cause. It is part of the premium. You can claim tax benefits for the donation you have made.
