Best General Insurance – HDFC ERGO

General Insurance - HDFC ERGO

Life is unpredictable and any unexpected event could set you back, both financially and emotionally. This is why you have insurance policies in the first place.

It offers protection to you, at least financially, when you need it the most.

There are two kinds of insurance policies that you can purchase. These are life insurance and general insurance policies

General Insurance – Understand What It Is

General insurance offers protection for the things that are in value and close to our hearts. This includes our home, our car, and the valuables that we have. The general insurance policy covers these from risks. This includes flood, fire, earthquake, and storm to name a few.

The general insurance policy is designed in such a way that it saves the insured from legal issues. All that one needs to do is to choose the general insurance plan as per need and then choose the right policy. It is important to understand the features of the insurance plan and then add riders to the basic plan if need be.

General insurance policies are a must because this helps to reduce the spread of the cost of any risk.

Buying a General Insurance Policy

There are a number of insurance companies that offer general insurance policies. You need to figure out the best insurance plan suited to your needs. When you buy a general insurance plan you will have to pay a premium towards the policy. This money goes into the insurance company’s funds to pay back in the case of any unforeseen event.

You may never need that pool of money but if you are one of those unlucky ones the amount is substantial to ride you through a grave financial expense. The sum assured value that you select when taking the policy gives you protection in the case of an emergency.

How Can You Claim Back from Your General Insurance Company

The HDFC ergo general insurance company will have a set guideline through which you can claim the insurance amount in the case of an eventuality. The insurance company would either pay for the damages or replace the item for you. This is dependent on the type of policy that you have chosen.

The HDFC ergo general insurance policies do not offer life insurance protection. There are other HDFC insurance plans.

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Why Should You Buy a General Insurance Policy?

An HDFC ergo general insurance policy offers you peace of mind. There are events that keep happening on a daily basis that is totally out of our control.

This could be a theft of the car or a fire at home etc. These are things that you are not prepared for nor can be prepared for in advance. These events happen unexpectedly and thus it makes sense to be covered against these events.

Imagine the cost of replacing your new car or your house in the case of an eventuality. This could be a big financial burden for you. However, with HDFC ERGO general insurance, the trouble is sorted out. You get either a replacement of the product or you get money against the same.

The Risk Seems Very Small- So Why Do I Need a General Insurance Policy?

Totally agree that the risk of theft of your car or your house getting burnt is small. It may not happen to you in a lifetime. But you could be one of the unlucky ones who may have to deal with it.

Car thefts or home damages caused by fire or floods do not happen occasionally. But they do happen. What if you are one among the millions who had a bad fate and got caught in an unexpected event? Just to keep you secure in such a situation, there is a general insurance plan in place.

If such a thing happens then you will be financially ruined. A general insurance policy saves you from that.

Different Types Of HDFC Ergo General Insurance Plans

There are a number of general insurance policies that you can choose from:

  • Motor insurance –  This policy provides protection to your two-wheeler or four-wheeler vehicle
  • Travel insurance – You travel to different locations, be it domestic or international. The travel insurance policy protects you from loss of baggage to any hospitalization expenses when traveling
  • Home insurance –  This insurance plan protects your home from damages and theft
  • commercial insurance – This insurance is taken for commercial properties
  • fire insurance
  • property insurance
  • HDFC Health Suraksha – Health coverage and choose from HDFC health insurance hospital list

There are many forms of HDFC ergo general insurance policies available today. You just need to choose the right health insurance renewal plan that offers full coverage with a decent HDFC ergo health insurance premium amount. Check the HDFC ergo health insurance review.


Expenses are skyrocketing today and buying an HDFC ERGO health insurance policy gives you peace of mind. Be it your car or your home or travel; make sure that you have adequate insurance against what you wish to cover. HDFC ERGO general insurance offers you a lot of financial help when in need.

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