Car Insurance

Car insurance policy secures your vehicle against losses that might arise due to unforeseen scenarios like theft, fire, man-made disaster, floods, earthquakes and other natural calamities. With the festive season approaching, you must take a step to provide complete protection to your vehicle and, therefore, buy or renew car insurance online. Any damage to the car due to unwanted events can lead to heavy expenses, draining your hard-earned income. 

So, it is always wise to have a car insurance policy for your vehicle, as it will provide coverage for losses due to any insurable peril according to the terms and conditions mentioned. However, buying a comprehensive car insurance policy is advisable for full-fledged vehicle protection. Having a third party car insurance policy is a mandatory requirement as per the Motor Vehicles Act of 1988. However, you can buy a car insurance policy that best suits your needs, either opting for a stand-alone own-damage cover, comprehensive or third-party insurance cover. Make an informed decision and ensure you buy/renew car insurance online without much delay. 

HDFC ERGO offers car insurance policies with affordable premiums and has a network of 6700+ cashless garages. You can also customise a comprehensive car insurance policy by opting for add-on covers like emergency roadside assistance, zero depreciation and engine gearbox protection to get full-fledged protection for your vehicle.

Health Insurance

Health insurance, also known as medical insurance, ensures that you and your family are financially safe and secured during a medical emergency, which can otherwise deplete your savings in the event of hospitalisation or while undertaking prolonged treatment. There are various kinds of health insurance policies that cater to the needs and necessities of people from different walks of life. So, while looking for a health insurance plan for yourself and your family, you should consider certain factors like coverage, premiums, deductibles, and benefits. 

The coverage provided by a health insurance policy should ideally cover a wide range of medical expenses, including hospitalization, diagnostic tests, doctor consultations, surgery, and post-hospitalization care. Always read your policy documents carefully as different health insurance plans have different coverage and benefits. Knowing them will help you make an informed decision and choose the best health insurance plan. However, always choose the one that gives you comprehensive coverage and make a note of the deductibles too. A good health insurance plan will give you benefits such as tax savings, renewal benefits, and cashless hospitalization at affordable premiums. 

At HDFC ERGOweoffer a range of health insurance plans. These health insurance policies come with several benefits, such as cashless hospitalization, pre and post hospitalisation, preventive health check-up, tax savings under Section 80D of the Income Tax Act, and no-claim bonus.

Cyber Insurance In India

Cyber insurance policy provides a safety shield for businesses and individuals against malware and ransomware cyber-attacks. Financial losses that might occur due to fraudulent activities related to information technology infrastructure and activities are also covered by it. 

The national cyber agency CERT-In has issued severity warnings for Google Chrome and multiple vulnerabilities in Apple iOS, iPadOS and Apple Safari versions. As dependency on the digital world has increased, cyber crimes have also considerably increased in the country. 

From business transactions to matchmaking, almost everything now can be done virtually. While digital dependence has become a norm, be careful about sharing personal information in apps and websites. Apart from maintaining basic preventions like not sharing our passwords and logging out from our personal accounts when using a public system, it is important that we protect ourselves with the best cyber insurance policy. 

HDFCERGO offers a wide range of cyber insurance plans for students, entrepreneurs, working professionals, etc. It has also developed a fully customisable Cyber Sachet Insurance Plan to protect all types of people in the digital world.

Home Insurance

Home insurance or property insurance safeguards from financial losses incurred by damage to the structure or contents or both due to natural calamities like floods, fire, earthquakes and man-made events like theft, burglary and malicious activities. Damage to property or its contents can be a substantial financial blow to one, in terms of expenses for repair and renovation. 

However, securing your home with the right home insurance policy can save you during such a crisis. Remember, natural calamities like earthquakes and floods are unpredictable and don’t come with a prior warning. 

Rebuilding a damaged home or replacing its contents can be financially stressful. Most parts of our country are vulnerable to natural calamities that affect lives, livelihoods and property in a big way. As the rainy season approaches, the probability of being hit by floods and landslides also increases. 

The HDFC ERGOhomeinsurance policy covers home structures and content up to Rs 10 crore with useful add-on covers like loss of rent, Alternate accommodation expenses etc. In addition, Hdfc Ergo Home Shield Insurance provides all-risk cover for portable electronic equipment.

Two Wheeler Insurance

Two wheeler insurance or bike insurance secures your vehicle from losses that might arise due to unforeseen scenarios. The monsoon season has increased road potholes, thereby increasing the chances of accidents. Therefore, buy or renew bike insurance policy if it's nearing expiry. Besides this, bike insurance also provides coverage against fire, storm, theft, burglary, earthquakes, flood and accidents involving a third party vehicle, person, or property. Damages due to these unwanted events can cause vulnerable damage to your bike or scooter, leading to hefty repair bills. 

Hence, it is advisable to have a bike insurance policy. While renewing bike insurance online from HDFC ERGO, you can customise the comprehensive bike insurance policy by adding unique add-ons like zero depreciation, emergency roadside assistance and no claim bonus protection. This will enhance your bike insurance policy as you can avail numerous benefits from these add-on covers. Also, as per the Motor Vehicles Act of 1988, riding a two wheeler without a valid third party bike insurance policy is illegal and can lead to hefty fines. 

You can choose from comprehensive bike insurance, third party cover and standalone own damage cover. However, it is advisable to completely safeguard your vehicle by buying a comprehensive two wheeler insurance policy. HDFC ERGO two wheeler insurance covers all types of two-wheelers, such as motorcycles, moped bikes/scooters, electric bikes/ scooters, and more. HDFC ERGO has a network of 2000+ cashless garagesˇ. Buying and renewing two wheeler insurance online from HDFC ERGO is smooth and easy.