HDFC ERGO General Insurance Complaints & Reviews

Claim No - C[protected]
I purchased an HDFC Ergo insurance policy through Insurance Dekho on September 27, 2024, which became effective from October 1, 2024. Since it was a second-hand car, I was unaware of the correct NCB percentage. Ownership was also being transferred on the policy. I opted for a 50% NCB as I was unsure about it. On Insurance Dekho, only two options were available — whether a claim had been made in the previous year or not. If "Yes," NCB was zero, and if "No," the user could select the percentage themselves. However, there was no option to specify that ownership was being transferred.

On October 20, my car met with an accident. I used HDFC’s towing service to send the car to the service center and intimated the claim on October 21. After the claim survey, on October 11, I called the claim manager, Mr. Prashant Solanki, who informed me that the claim was approved and I would receive the total loss amount of my car. When I requested that the claim not be processed as a total loss, he insisted it would be. Later, on October 13, I called the surveyor, who confirmed that I would receive Rs. 416, 822 (my IDV was Rs. 417, 822).

However, on November 18, when I contacted the claim manager again, he changed his statement, saying only 50% of the IDV amount would be paid. When I reached out to the Insurance Dekho team, they initially stated that 80% would be paid but later also changed their statement. I then filed a grievance via email on November 19, pointing out that the policy terms mentioned that HDFC would inform me via mail or letter if there were any discrepancies related to NCB. On November 23, the team responded, claiming they had sent a letter on October 19 and provided a tracking ID: AWB/POD No: RM[protected]IN. Upon checking, I found the letter was booked on October 22 — after my claim had already been filed.

Following this, I escalated the matter to the Head Grievance Team and IRDAI. During this period, HDFC team members repeatedly asked for more time. Meanwhile, I received a call from the claim manager who mocked my claim and later sent a rejection letter. When contacted again, they cited a "break" in my policy as the reason for rejection, but after three days, they admitted there was no policy break. Eventually, the Head Grievance Team also approved only 50% of the claim.

I argued that the letter was sent late and was never received. Despite this, I was willing to pay the NCB recovery amount, but the team refused. HDFC Ergo violated IRDAI rules and failed to adhere to their own terms and conditions. They continuously changed statements, causing mental harassment and pressuring me to accept the 50% settlement by stating that the claim would be canceled if not accepted within seven days.

Policy no[protected]
Claim no C[protected]
Representative name Pramod Patil

This person is not responding to calls and talking rudely with customer.

Its been 30 days since my vehicle is repaired and till date payment is not received to me.
Its worst experience from hdfc ergo insurance.
Sorry but I am unsatisfied,
Please take action against the representative of yours,
Thank you

Dear sir,
Hdfcergo insurance company my mediclaim not approved after discharge verification also done and given writing to later for issue, but it is no given solution...
Regards,
Samir ghanchi
[protected]

Customersupport.hdfcergo.com
Rude Agent-File lawsuit against HDFC Unprofessional behaviour

Policy number[protected]

This is to inform you that your representative from HDFC ergo insurance has spoken very rudely to us, his name is Aashish Desai-[protected], when i told him not to speak rudely, he said he will ensure he does not get our claim settled. He spoke to my husband very rudely and said that do not tell me what i need to do. We have paid insurance amount on time. Accident happened on 31st July and till today the garage person who is working with Aashish has not given the honda city 2009 estimate, when we call he says that he will submit the estimate today, n he is saying this since 10 days, so to remove an alternate solution we called Ashish but he said aap mujhe ulta kyun bata rahe ho- this is the sentence he used, car owner Imran who is my husband was very polite to him but he was rude, i told him that u can talk politely he got angry and spoke to me very rudely and said main tumhara paisa nai nikalwayunga ab, he has given this dhamki, now i am going to take this to the higher department and will also file a case against your company HDFC ergo insurance for mental harassement for keeping us on hold for so many days and then talking rudely. We are in major loss and need our claim to be settled asap and only need one honda estimate but the garage person and Aashish are friends and system is down they said and not doing our work.. It is my humble request that if within 24 hrs you do not get my claim settled/ get it moving ahead, , i will file a FIR with police station as well and file a case against HDFC ergo insurance

It has been more than month but still my claim is under process due to mistake done by HDFC ERGO surveyor as he asked Garve Bajaj to generate bill on customers name which he clearly mentioned in the mail that it was his mistake.
I have already filed complaint against HDFC ERGO at NCH
I am sharing the DOCKET No. 5715428

In accident my card damage from front and back

Company only Giving front bumper, left fender, front grill and fog lamp.

Rest of Items refusing,

My radiator assembly in Engines inner part and it was damage due to accident
and backside bumper also damaged in backside car Hit

form ore than 7-8 years i Took insurances form companies and now when in accident, Companies behavior like this

Its so unethical and irritating

Instead of these companies i think its always better to took insurance from online companies which is more less than 60-70 percent

its so bad and disappointing for me

if parts are physical loss its your responsibility to fulfill loss,

Hi, Rohit this side, my car Number is DL9CAW8152, i buy HDFC ERGO General insurance from Maruti Magic Auto Delhi. when i claim for my car damage than HDFC ERGO surveyor Arun Vats not claiming for my car damage, please solve this issue as soon as possible,

Hi, Rohit this side, i buy HDFC ERGO General insurance from Maruti Magic Auto . when i claim for my car damage than Hdfc ergo surveyor Arun Vats not claiming for my car damage, please solve this issue as soon as possible,

Dear Team
I am aishwarya behre. pan number is CEOPB9562A. My Agency in HDFC ERGO GENERAL INSURANCE once my agency is year 2019. i have already all documents are summit ted in hdfc ergo insurance company. So kindly remove my pan in IRDAI/ENVOY portal.

Kindly Request pan remove in both portal as soon as possible

Thanks Regards
Aishwarya behre
[protected]

Hi,

This is Srikanth.SP from Hyderabad, Have taken the HDFC Ergo Insurance last year for my four wheeler with insurance policy Number# "[protected]". Now as the policy is nearing to the expiry dated 18th Dec'23, i requested for the refund said as per the policy and HDFC ergo requested for some information regarding vehicle and was sent. Inspite of taking every requested piece of information, now they are not responding to the mails when every piece of information i had given.

Here is what HDFC Ergo General Insurance says from their website on the addon Cover:

"This is now a reality with HDFC ERGO's Pay as You Drive – Kilometer Benefit Add-On cover.
Under this add-on cover, if you are driving less than 10, 000 kms a year, you can claim benefit up to 25% of the basic own-damage premium at the end of the policy year. Even if your car usage is beyond 10, 000 kms, you will not be charged extra while enjoying the comprehensive coverage of your existing private car insurance. When the policy expires, subject to providing distance travelled, you can claim the benefit even if you choose not to renew the policy with us. "

As my vehicle odometer is falling within this criteria i requested but after getting every piece of information as per their request, now they are not responding.

Please help me resolve this issue by taking necessary action for not adhering to the policies what they craft and ensure refunded asap.

Thanks & Regards,
Srikanth.SP
[protected]

Hi Everyone, i am writing this incident in regards to my HDFC Ergo motor vehicle insurance bearing policy number:[protected].
I made a claim intimation with Claim Reference Number: C[protected] for my motor vehicle on 30th October 2023, for which the vehicle survey was conducted on 31st October 2023 by the surveyor & all requisite claim documents were provided them on the same day. It's been more than 19 days that HDFC team has not yet provided me proper tracking update & claim approval. Whenever i connect with the customer care team they tell me that the claim is in process and provide me with service request number & ask me to wait for next 24 hours to get an update from them but yet i have not received any satisfactory update from them. When tracking the claim through their official webiste it is not showing proper updated status, i have attached screenshot of the same for ready reference. Also, i contacted the surveyor but he asked me to contact customer care team saying that he has not received any update from their approval team. I have been renewing & paying my motor vehicle insurance premiums since last 14 years & this is what i am going through when i make a claim for my vehicle. I want HDFC team to provide me quick resolution for my claim.

Purchased Optima Secure HDFC Ergo Health Insurance in 2021. It was through an agent and not sure if he was sitting out of Bombay, perhaps he was (I'm based out of Bangalore). I received the Insurance renewal reminders via SMS and email. To renew I went to their website and found that the amount they had put there was more than the premium amount I had paid for 2 years in 2021. Hence I my hesitation to renew as I wanted clarification on the amount with break up. I called their Customer Care 3-4 times, they sent emails with a break up for 1 year and 2 years, but without mentioning any discount in the break up. Now why is the discount amount important? Because on their website and as part of their sales tactic, they have something called a long-term discount of 7.5% if you pay premium for 2 years and 10% if you pay for 3 years. Now I had availed of this discount when I first bought this policy in 2021, which is now soon going to expire. I called their Grievance Redressal Officer, who then put me on to someone else after 24 hrs, who in turn has now put me on to some Case Manager in Jayanagar. And all this only because I wanted a break up of my premium so that I'm clear about the base premium, the discount amount and the GST amount. Their email in fact gave me a break up which stated tenor as 1 year for 42, 099/- which, after calling up I found that it's for 2 years. Now are customers supposed to blindly go with this and just pay up without getting any clarification? And the Grievance Redressal Officer doesn't answer calls, just texts I will call you in 5 mins, and then sends an SMS about reaching out to someone who of course says, not I, he. Isn't it ridiculous?

Dear Team
I have joined as an agent at HDFCERGO GIC 07/07/2020 resigned on September 2021 and I got NOC from HDFCERGO GIC.but my pan number not removed from IRDAI PAN LOOKUP portal..
Agent code ADI89200105
Pan no DLEPS9087M
Kindly remove my PAN from irdai panlookup portal

Thanks and regards
Shaik nayeem
[protected]

My claim is approved but payment not recevied waiting from more than 12 working days

I am Abhay Kumar. My PAN is BRQPK3275D.
I had an agent code in HDFC Ergo general Insurance company. My code was HCG[protected].

I have got NOC from HDFC Ergo general Insurance company but still my PAN is showing on IRDA portal.

I have applied as an employee in other Insurance company and they demanded to remove my PAN from IRDA portal before joining.

So I request you to please remove my PAN from IRDA portal as soon as possible so that my joining will done easily.

Thanks and Regards
Abhay Kumar
PAN- BRQPK3275D

Dear Team,
Trust You are well.

Critical Illness covered in Original Policy with Apollo Munich (Later HDFC Ergo) with Member ID - [protected] | [protected] | [protected] of INR 3 Lakhs for each of the members in the respective policies.

(Refer Page 8 Clause 4 of attached Policy and First Premium Payment confirmation - Page - 1 dated 24.06.2011)

As of 19th June 2023, per Renewal Notice dated 10.04.2023 by HDFC ERGO - Although Premium was enhanced from INR 37, 551.00 to INR 50, 752.00 i.e. 35.15 % - Alongside the critical illness cover amounting to INR 3 Lakhs for the insured member was removed from the policy.

Requesting quick intervention and resolution on the matter to restore the critical illness benefit as per original terms. Attaching the document for your reference. You can reach me out on my registered phone number should you have any queries.

Regards,

I K Usha Rani i was agent with HDFC ERGO GENERAL INSURANCE in the year 2020 to 2022.But due to some problem. Now my pan card number is not remove IRDAI site.please remove my pan card number in IRDAI site.My agent license number HCG[protected], my pan card number BJOPR5274F.So kindly remove it my pan card number in IRDAI site quickly. Facing a lot of problems.
Thanking You
K Usha Rani

Dear Team,
NAME - PRABU J
PAN - CASPP8087Q
I don’t have any relationship with HDFC ERGO INSURANCE. But my pan got linked with that company kindly DELINK my pan in the HDFC ERGO INSURANCE company. It creating unnecessary complaints & trouble in my company.Kindly remove this.
Thanks & Regards,
PRABU J
[protected]

Totally disappointed with the service which has been provided by your policy and service provided by your team.
I have received the crash photo through the support team by mail .But actual photo uploaded against my claim C[protected] having someone vehicle combination.Regarding this I have asked surveyor and support team received with different answers.
The person Who has confirmed and uploaded the photo online about the damaged photo is not yet confirmed.
I have hand_overed the vehicle to VKG showroom karur as per surveyor reported.
They have cheated without estimation done and shared the estimation copy to your surveyor.
While enquiring surveyor stated showroom upload the copy of photo.But show room person said surveyor has upload option.
He also agreed with that foolish copy of Estimation around Rs.9743.
After I found these types of wrong proceedings.I have changed the other show room and submitted the Estimated copy which has been provided from that show room is around Rs.4921 which is 50% lesser form VKG estimation.
While I am shifting a vehicle surveyor has said 80% can claim is possible while doing service in other showrooms.
Right now the surveyor is saying that the estimation is too high and 50% only can claim around Rs.1500 has been released as liability.
This is totally discouraging a normal consumer who has faith in your service and support.

Regarding above issue i have continually shared a mail to '[protected]@hdfcergo.com'
Not yet responded correctly.

Through call and chat and mail and your surveyor communication no way getting a correct resolution

I've been charged with certain fraud amount on my credit card for this policy without my knowledge and consent.
The credit Card customer support provided me 28605319 policy number, about the amount is generated.
This is completely a fraud amount, i never opted this policy. This policy is definitely imposed by the bank. Provide me the KYC paper for this policy inposed on my card .