HDFC ERGO General Insurance Company Limited is a leading provider of general insurance solutions in India. The company offers a diverse range of insurance products, including motor, health, travel, and home insurance policies. HDFC ERGO focuses on providing comprehensive coverage options tailored to meet the needs of individual customers and businesses alike, ensuring protection for their assets and well-being. With a user-friendly online platform, HDFC ERGO enables customers to easily buy and manage insurance policies. The company is committed to enhancing customer experience through efficient claim processes and a dedicated support system. By prioritizing customer service and accessibility, HDFC ERGO aims to serve a broad market segment, including families, professionals, and small to medium enterprises seeking reliable insurance solutions.
Reviewers overwhelmingly express dissatisfaction with HDFC ERGO General Insurance Company Limited, rating it poorly across the board. Common complaints highlight extremely poor service, with many customers reporting denied claims despite submitting all required documentation.
People describe the company as unresponsive and unhelpful, leading to feelings of frustration and betrayal. Specific grievances include claims being rejected without valid reasons and a lack of accountability from staff. Customers also criticize the quality of customer service, describing representatives as unqualified and frustrating to deal with. Overall, there are no positive sentiments or experiences shared, leading to a strong consensus that HDFC ERGO is not a reliable choice for insurance. The overall sentiment is decidedly negative.
Summary generated with AI from recent reviews
Each source counts by its number of reviews. Only reviews written by people are scored.
| Source | Rating | Reviews | Weight | 6-mo | Fake risk |
|---|---|---|---|---|---|
Trustpilot Imported Trustpilot reviews | 1.0 | 10 | 100% | — | ● Low |
Monthly average rating from reviews written by people · latest review Dec 2025.
| Month | Average | Reviews |
|---|---|---|
| Jan 25 | 1.0 | 1 |
| Feb 25 | 1.0 | 1 |
| Mar 25 | — | 0 |
| Apr 25 | — | 0 |
| May 25 | 1.0 | 2 |
| Jun 25 | — | 0 |
| Jul 25 | — | 0 |
| Aug 25 | — | 0 |
| Sep 25 | — | 0 |
| Oct 25 | — | 0 |
| Nov 25 | — | 0 |
| Dec 25 | 1.0 | 1 |
Share of positive (4–5★) and negative (1–2★) reviews mentioning each topic · based on the 10 most recent reviews.
“After providing all documents and following all processes, the customer support was unresponsive and unhelpful”
Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Finance & Insurance.
| Company | Overall | Legit | Service | Trend | Reviews |
|---|---|---|---|---|---|
| 1.0 out of 5 (poor) | 100 out of 100 | 1.0 out of 5 (poor) | — | 10 |
| 4.2 out of 5 (good) | 100 out of 100 | 3.3 out of 5 (fair) | — | 1,200 | |
| 4.7 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.9 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | — | 1,060 |
Bottom line: HDFC ERGO General Insurance Company Limited is #5 of 5 on overall rating in this group. On service, JustCover Travel Insurance scores higher (4.9 vs 1.0).
10 reviews of HDFC ERGO General Insurance Company Limited. Filter by what matters to you.
11 months ago
Extremely poor service. My legitimate claim was denied without valid reason. After providing all documents and following all processes, the customer support was unresponsive and unhelpful. I regret ch... See more
Over a year ago
One of the worst insurance company, no proper process followed and people are irresponsible. My car is damaged and handed over to HDFC Ergo by Maruthi Suzuki on 19th May and it is 24th May today, stil... See more
Over a year ago
I am extremely disappointed with my experience with HDFC ERGO General Insurance - SHIMOGA Branch. Despite paying premiums diligently, my cashless health insurance claim was rejected on the grounds of... See more
Over a year ago
This company lies all the time. They took payment for roadside assistance but in time of coverage they told it will require money for towing
Anyone can write a CrowdTrust review. People who write reviews have ownership to edit or delete them at any time, and they'll be displayed as long as an account is active.
Extremely poor service. My legitimate claim was denied without valid reason. After providing all documents and following all processes, the customer support was unresponsive and unhelpful. I regret choosing HDFC ERGO and will not recommend it to anyone. Filing escalation through IRDAI and consumer forum.
One of the worst insurance company, no proper process followed and people are irresponsible. My car is damaged and handed over to HDFC Ergo by Maruthi Suzuki on 19th May and it is 24th May today, still same issue. After a struggle, got a contact number of a person named Rajanikant who has responded to provide approval on Friday evening and suddenly disappeared and not reachable. I kept on calling the number more than 10 times now. Customer care guys given some numbers, no response on multiple calls. Please dont buy this insurance for anything. They given fake reviews, not the realistic.
I am extremely disappointed with my experience with HDFC ERGO General Insurance - SHIMOGA Branch. Despite paying premiums diligently, my cashless health insurance claim was rejected on the grounds of non-disclosure of diabetes and hypertension. Here’s what happened: Full Disclosure Was Made – At the time of purchasing the policy, I clearly informed the agent about my pre-existing conditions (diabetes & hypertension) and even shared the prescription via WhatsApp. The agent acknowledged it and assured me that it would be updated in the system. I have proof of this conversation. Claim Denied Due to Their Mistake – When I raised a claim, HDFC ERGO rejected it, blaming non-disclosure. When I escalated the issue, the management casually admitted it was "a silly mistake from their end" but refused to take responsibility, saying "we can’t do anything about it." Unfair & Unethical – If I disclosed my conditions, the agent confirmed it, and yet HDFC ERGO still denies the claim, what’s the point of having insurance? Now, I’m forced to pay the entire medical bill from my pocket, despite being truthful from the beginning. Is This a Scam? – It feels like HDFC ERGO intentionally ignores disclosures to approve policies quickly, only to deny claims later. Do they care more about meeting sales targets than serving customers? Shocking behavior from a reputed insurance company. I would strongly advise others to think twice before trusting HDFC ERGO with their health insurance needs. Zero accountability, terrible service, and unfair claim practices.
This company lies all the time. They took payment for roadside assistance but in time of coverage they told it will require money for towing
The worst experience while claiming a policy.
Pls respond to the poor review listed below Dear Mr. Ghai, Greetings from HDFC ERGO General Insurance company Limited. This is with reference to your email dated 09-Oct-2024. At HDFC ERGO we take pride in ensuring our customer’s satisfaction. If you any policy with us then kindly share policy number or registered contact number. Keeping your bank, contact, and nominee details up to date is vital for staying informed about your policy and ensuring smooth payout transactions. For instantaneous servicing you may choose to use any of our online servicing platforms HELP section on for all your policy servicing requirements WhatsApp - just send ‘Hi’ on 8169 500 500 and activate the service Ask our Chabot DIA on Download the HERE app a one stop solution to manage your insurance needs In case you are not satisfied with our response, Click here customer-v and follow our grievance redressal procedure. Thanks & Regards, Akash Saurav Customer Experience Management Team
Complete fraud and terrible support Complete fraud and no support from HDFC ERGO Insurance. They are just looting the money from customers by selling fraud policies. Their support and escalation team are terrible. I bought travel insurance policy and claimed the doctor visit in Germany for pain in knee and legs but denied the claim saying that chronic treatment done. Doctor clearily mentioned that patient visited because of pain only and no chronic injury. They are selling fraud policy. Never buy any policy from HDFC ERGO Gen Insurance.
WORTS THEN EVER...I WILL NOT RECOMMEND ANYONE TO PURCHASE ANY INSURANCE POLICY FROM HDFC ERGO, AFTER PROVIDING ALL THE DOCS EVEN THOUGH YOU HAVE REJECTED MY CLAIM.
customer service is horrible. they have hired very low IQ level persons , you feel frustrated by their answers.
Given my current experience, I would say that it is the worst general health insurance company in India.. They will makes things difficult for you when you are admitted to the hospital. I must inform others on how HDFC cheats customers after collecting huge amounts of money from the general public. Seriously very upset with them. So pls, whoever is reading this, never ever opt for HDFC ERGO otherwise you will be put into similar situation as me. PS: I have spoken to hdfc customer care and they have told that my issues will be resolved. Will update here what happens next.
HDFC ERGO General Insurance Company Limited is a leading provider of general insurance solutions in India. The company offers a diverse range of insurance products, including motor, health, travel, and home insurance policies. HDFC ERGO focuses on providing comprehensive coverage options tailored to meet the needs of individual customers and businesses alike, ensuring protection for their assets and well-being. With a user-friendly online platform, HDFC ERGO enables customers to easily buy and manage insurance policies. The company is committed to enhancing customer experience through efficient claim processes and a dedicated support system. By prioritizing customer service and accessibility, HDFC ERGO aims to serve a broad market segment, including families, professionals, and small to medium enterprises seeking reliable insurance solutions.
This profile hasn't been claimed by the business owner.
