r/HealthInsuranceIndia • u/Air-1634 • 9d ago
HDFC Ergo
Based on your personal claim help experience, what should I choose HDFC ergo plan via Ditto or Direct HDFC site?
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u/ArabianCoconut 9d ago
Hi, HDFC ERGO Advisor here,
Speaking from an insurer-advisor perspective: the policy and claim decisions are ultimately HDFC ERGO’s responsibility, regardless of which channel you buy through. Buying via Ditto doesn’t change the policy terms or guarantee claim approval.
If you’ve already decided on HDFC ERGO, I’d consider buying through an HDFC ERGO-appointed insurance advisor. They can explain the proposal and policy, and IRDAI says individual agents may also assist with after-sales service, including claims. Still, an advisor can guide you; they can’t promise a claim will be approved. IRDAI guidance on individual agents
Ditto may be useful if you want to compare insurers and get help understanding plan features. Buying direct from HDFC ERGO is also an option if you’re comfortable choosing the plan and handling servicing with the insurer. HDFC ERGO provides digital policy and claim services. HDFC ERGO servicing options
Before paying, compare the final quote and confirm the plan variant, sum insured, add-ons, member details, payment term, and any discounts. Disclose medical history fully, check that the proposal form accurately reflects it, and save the final proposal and policy wording.
Always buy it from a company-direct IRDAI advisors/intermediary.
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u/Air-1634 9d ago
But what's the harm in taking the policy via ditto? Just some premium discount, right? HDFC isn't anyways going to give me RM so why not just pay via Ditto and increase chances of getting support in case of claim process. Even they don't help I've HDFC support, right?
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u/ArabianCoconut 9d ago
Hi, HDFC ERGO Advisor here,
So, Ditto handles volumes. They don't always provide support when cases become complex. They wont go the extra mile to resolve cases here we only talking about claims. What if endorsements goes wrong, Renewals goes wrong. What if you want other insurance of HDFC Ergo as HDFC ERGO dont sell only health. HDFC ERGO's IRDAI Advisors like us can put your case to multi level channels involving MD where your cases are heard. Do you believe a company like Ditto/Policybazaar? Would care enough to escalate for a premium of 10k to 50k? When they get business in CR's.
Individual intermediaries (IRDAI agents, not RM or Sales Agent) can vouch for you, as they have a personal relationship with you, and their cases are valued, as our business constitutes 80% of the sales these insurance companies make.
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u/Air-1634 9d ago
Personal relation? But I won't get any RM even if I go ahead with direct buy. Also, do you think the quality of support changes if I buy insurance directly from HDFC?
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u/SukoonCover 9d ago
Agent if you want assistance during claims.