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As a busy professional with limited time, should I choose HDFC Ergo for faster claim settlement and brand recognition, even if it means paying a higher premium?

Milind Vadjikar |1051 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Sep 29, 2024

Milind Vadjikar is an independent MF distributor registered with Association of Mutual Funds in India (AMFI) and a retirement financial planning advisor registered with Pension Fund Regulatory and Development Authority (PFRDA).
He has a mechanical engineering degree from Government Engineering College, Sambhajinagar, and an MBA in international business from the Symbiosis Institute of Business Management, Pune.
With over 16 years of experience in stock investments, and over six year experience in investment guidance and support, he believes that balanced asset allocation and goal-focused disciplined investing is the key to achieving investor goals.... more

Question by ajaykumar on Sep 29, 2024Hindi

Money

Thanks for the response but i heard hdfc ergo is good. Where they will provide good response and settled in 30min and branded thats the reason premium is high. It a one time decision in life thats the be reason thinking to take a good one..

Ans: I had Apollo Munich health insurance since 2009. When it got acquired by HDFC, my policy came under HDFC ergo. My experience has not been good. Service levels are pathetic compared to the price they charge. Infact I am porting my policy to another insurer now. Ultimately it is your choice.

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.

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Question by ajaykumar - Nov 03, 2024Hindi

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Thanks for the suggestion. Im planning to take for my self and spouse and kid 3 months old boy. Can I go with 1cr policy with hdfc erg, the premium 42k yearly or 50 lacks coverage is fine? With hdfc ergo 38k. Would you suggest any other best insurnace which i should not face any problems at the time of claim and 100% paid by the insurance.

Ans: Hello;

You may check out Niva Bupa Aspire Titanium and Bajaj Allianz offerings too before signing up.

Best wishes;

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May i know why not hdfc or star or care? Whats the coverage needed for our family I'm 34 my wife is 28 kid is 3 months old.

Ans: Star health insurance reputation has taken a severe beating due to high claim rejection offlate. Similar thing with Care.
I am just asking you to evaluate their (Niva Bupa/Bajaj Allianz) plans before you sign up for HDFC ergo.

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i have 100 shares of reliance petroleum limited on ipo in 1995.tody how many shares

Ans: Hello;

At the time of merger(Mar-2009) the swap ratio was 16:1.

So for every 16 shares of Reliance petroleum you may expect 1 share of RIL.

Therefore 6 RIL shares as on today.(fractional amount will be paid in cash by RIL)

Considering 3, 1:1 bonus share by RIL thereafter leads to around 48 RIL shares as on today.

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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