HDFC ERGO General
HDFC ERGO General Insurance Company is a joint venture between HDFC Ltd. and ERGO International
AG; the primary insurance entity of the Munich RE Group of Germany. HDFC ERGO is one of India’s
largest non-life insurance companies in the private sector. A digital-first company, transforming into an
AI-first company, HDFC ERGO is a leader in implementing technology to offer consumers the best-in-
class service experience. The company has created a stream of innovative & new products as well as
services using technologies like Artificial Intelligence (AI), Machine Learning (ML), Natural Processing
Language (NLP), Robotics, and IBM Watson. HDFC ERGO offers a range of general insurance products
and has a completely digital sales process with ~93% of retail policies issued digitally. The self-help tech
platform developed by HDFC ERGO has empowered the customers to avail 58% of the services virtually
in a self-help mode on a 24x7 basis with ~40% of the customer requesting services digitally.
The Company offers a complete range of General Insurance products including Health, Motor, Two-
wheeler, Home, Travel, Cyber, Agriculture, Credit and Personal Accident in the retail space along with
Property, Marine, Engineering, Marine Cargo, Group Health, and Liability Insurance in the corporate
space. Be it unique insurance products, integrated customer service models, top-in-class claim
processes, or a host of technologically innovative solutions, HDFC ERGO has been able to delight its
customers at every touch-point and milestone to ensure consumers are serviced in real-time.