PolicyRaj is an authorised channel partner of HDFC ERGO General Insurance — India's third-largest general insurer, backed by HDFC Bank and Germany's Munich Re (ERGO). Through this partnership, we bring you their complete product portfolio with expert advisory, plan comparison, and end-to-end assistance.
HDFC ERGO General Insurance Company is a joint venture between HDFC Ltd. (India's premier housing finance company) and ERGO International AG, the primary insurance entity of Munich Re Group. Established in 2002, it has grown into India's 3rd largest private general insurer.
HDFC Ergo is best known for its Optima health plans, which offer cashless treatment at 13,000+ hospitals, and its comprehensive motor insurance with one of the industry's widest garage networks. The company processes most claims digitally within 30 minutes.
Sachin Kathuria is an IRDAI-licensed advisor and authorised channel partner of HDFC ERGO. Buy any plan through us and get the same price with Sachin Kathuria's expert guidance.
Compare the key HDFC Ergo products Sachin recommends most frequently for different needs.
One of India's widest cashless hospital networks for zero-hassle treatment anywhere.
Most cashless claims approved within 30 minutes — no long waits during emergencies.
Optima Restore automatically refills your full sum insured — even if it's been used.
Industry-leading claim settlement ratio — your claims are honoured, not rejected.
Simple 4-step cashless claim process. Sachin assists you at every step.
Visit any of 13,000+ network hospitals showing your HDFC Ergo e-card.
The hospital's TPA desk sends a pre-authorization request to HDFC Ergo.
HDFC Ergo approves cashless treatment — you pay only the non-covered portion.
HDFC Ergo settles the bill directly with the hospital. Zero cash from your pocket.
"HDFC Ergo is my top recommendation for health and motor insurance. The Optima Restore plan's automatic sum insured restoration is genuinely industry-best — I've seen it save families lakhs when both parents were hospitalised in the same year. Their garage network is unmatched for motor claims in Delhi-NCR."
Recent launches and announcements from HDFC ERGO, curated by PolicyRaj.
Limitless keeps paying hospitalisation bills even after your base cover is exhausted; ABCD Chronic Care fast-tracks cover for chronic conditions like diabetes and hypertension; Parenthood adds maternity cover with global reach — available to single women too.
The flagship health plan line has been upgraded with stronger long-term value and faster coverage growth for policyholders staying insured year after year.
HDFC ERGO partnered with PhonePe to distribute an affordable health solution for India’s "missing middle" — cashless benefits spanning OPD visits to full hospitalisation.
The new riders can transform a standard policy into near-uncapped protection — but only when matched to your family profile. Sachin builds the right stack with you.
Based on public insurer announcements as of July 2026. Features, eligibility and premiums are governed solely by the insurer’s official terms — confirm current details with Sachin Kathuria: 9013976999.
