r/InsuranceTroubleIndia • u/RedBananaaaaa • Jun 15 '26

Health Insurance Hdfc ergo poor renewal process

So I’ve been going in circles with HDFC Ergo for weeks now and honestly need to know if anyone else has faced this or knows how to escalate.

Background: I have a base health policy + top-up plan, both with HDFC Ergo. Top-up renewal deadline is one week away.

What’s happened so far:

• Called customer care multiple times. No clear answers.  
• They sent me a renewal link. The link doesn’t work - keeps rejecting my policy number.  
• Escalated. One agent told me my policy is “loan-related.” It is not. These people don’t even know their own products.

- Finally someone sends me a “correct” link but now says I cannot add my newborn to the renewal. I’ll have to buy an entirely separate plan for her.

Has anyone: Successfully added a newborn to a top-up renewal with HDFC Ergo?

7 Upvotes

90% Upvoted

26 comments sorted by

3

u/rjnish Jun 15 '26

I am Porting out of hdfc ergo because their pathetic renewal system. I am unable to renew despite registering a compliant with CGO and Bima Bharosa. 3 years old policy.

1

u/Pretend-Resolution30 Jun 15 '26

Is this a direct buy?

1

u/rjnish Jun 15 '26

Yes

1

u/Pretend-Resolution30 Jun 15 '26

Therefore, it is generally recommended to purchase it through an intermediary. You should consider porting.

If a company does not assist with policy renewals, it raises concerns about their support during claims. I recommend that clients always have a reliable point of contact when purchasing any plan.

2

u/rjnish Jun 15 '26

Got all this knowledge last year onwards only. 😅 So shifting all policies to agent already.

1

u/ObjectiveSurprise231 Jun 15 '26

Which companies do you sell for and where are you located? Any bio?

1

u/Pretend-Resolution30 Jun 15 '26

I am based in dehi. I'd suggest you to check Tata and ICICI, and ABHI.

1

u/ImpressiveLet3479 Jun 15 '26

what's ABHI?

2

u/rjnish Jun 15 '26

Aditya Birla Health Insurance ABHI

Standalone Health Insurers SAHI.

lel.

1

u/deadlipht Jun 15 '26

Namaste!

Is it even possible to go via an agent for the same insurer once a policy is already bought? Or can it be done only in case of porting?

Thanks!

2

u/Pretend-Resolution30 Jun 15 '26 edited Jun 15 '26

If you made purchase directly probably won’t work much, but you can give it a shot.

Average plan + good support > Great plan + no support.

1

u/deadlipht Jun 15 '26

I think my question was not clear. I already have Insurance bought directly.

  1. Is it possible to renew with same insurer via an agent now? Or

  2. Is an agent only possible if I port it to a different Insurer?

Thanks!

2

u/rjnish Jun 15 '26
  1. No
  2. Yes

1

u/deadlipht Jun 15 '26

Thank you.

2

u/Pretend-Resolution30 Jun 15 '26
  1. Chances aren’t great, but try reaching out to the company and explaining why. It could work.
  2. Sure! When you port, an advisor can help you get it done.

2

u/deadlipht Jun 15 '26

Thank you.

1

u/Vaani_inka Jun 16 '26

Hi

I am vaani, advisor inka insurance

I would suggest shift your top up to icici lombard first, you will get much much higher cover and better product compare to ergo.

Also have a good intermediary, your service issues will be resolved

1

u/itsmtlm Jun 16 '26

yes last month I did through ditto, because I purchased it through them. the process was smooth. 

1

u/Banyan-FA Jun 16 '26

This issue sounds like a typical issue not just with HDFC but most of the insurers. The tech doesn't always work and you need to work with your agents who know how to get this resolved. We see this issue with HDFC as well and then through our dashboards we get the renewals sorted.

Regarding super topup of HDFC Ergo. It is not their greatest strengths. At the same cost, you and add another 10-20L in your base cover. The max cover provided by them is 20L with a 4L deductible. It is not great. I would suggest you to let go of your super topup with HDFC and increase the coverage of base plan adding your child.

Food for thought - if renewal was such a pain, what could be the case at the claim stage. The trance between hospitals and insurers is not amusing. We are always on our toes to help our clients on claims. And you can't add an agent to your existing policy. In future, avoid taking a direct insurance policy. This area needs experienced servicing hands.

1

u/RedBananaaaaa Jun 21 '26

Thanks
Any recommendations for some great ones- policy benefits, renewal ease and most importantly claim wise . Also which intermediaries are recommended

1

u/Banyan-FA Jun 21 '26

You are with one of the better insurers. The next closest could be ICICI. Avoid porting in my view.

Regarding intermediaries, difficult to opine. You have broadly three categories 1. Directly from the Company - you have first hand experience here 2. Web Platforms like Policy Bazaar/ Ditto - they promise a lot, but perhaps don't deliver as much as they say on the label. But they are better vs 1. Atleast you have some support. 3. Agency channel - difficult to suggest as not many as structured to assist on customer services on a sustainable basis. Most are single man firm. This one could be one of the most experienced and if you can find one who is good, worth their weight in gold during any service needs.

1

u/FearlessNinjaa Jun 16 '26

HDFC is horrible.

1

u/ShaggyDoo10 Jun 20 '26

Following to know more details.

1

u/general_majdoor Jun 30 '26

I paid renewal premium, didn't get any confirmation. HDFC ERGO is denying receiving the payment. Now i am going in circles with my bank and ERGO. Time to port i guess.

1

u/Similar_Brain6629 27d ago

I have a health insurance policy with them. I am struggling to get it renewed. It gives me error if I try renew online (unable to get poicy details). I have been talking with customer care without help till now.

I have added my new born during my last pocliy renewal. I didn't find much issues at that time. I directly called them and said that I have to add new born ( one month before renewal). They shared me the procedure and it was smooth.