HDFC ERGO General Insurance Company Limited Arvostelua 12

Extremely disappointing experience with HDFC ERGO.

We opted for a cashless health insurance policy for peace of mind during emergencies, but when a real emergency occurred, the system completely failed us.

The patient was admitted late at night with critically high BP (190/100), chest pain, back pain, and heavy sweating—clearly a serious condition. The hospital immediately admitted the patient to ICU for monitoring and treatment.

Despite submitting all documents on time, the insurance team:

- Delayed the cashless approval for nearly 24 hours
- Conducted physical verification but gave no clarity
- Made no effort to contact us or the hospital for clarification
- Finally denied the cashless request stating: “admissibility of the case cannot be ascertained at this juncture”

On what basis was this conclusion made?
How can ICU admission in an emergency be considered unclear for admissibility?
Was the person assessing the case medically qualified to override the treating doctor’s decision?

What is most frustrating is that the denial was communicated on Friday evening, and we were then told to wait until Monday due to the weekend—while the patient’s discharge was planned on Saturday.

This raises a serious question: What is the purpose of a cashless facility if it is neither timely nor usable during actual emergencies? In the end, we are forced to arrange funds and go through reimbursement, defeating the whole purpose of insurance.

This experience caused unnecessary financial stress and mental harassment at a time when our only focus should have been the patient’s health.

I strongly urge HDFC ERGO to improve:

- Emergency claim handling
- Timely approvals
- Transparent communication
- Accountability in medical decision-making

Would not recommend relying on their cashless facility during critical situations.

#HealthInsurance #HDFCERGO #InsuranceExperience #MedicalEmergency

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.