The HDFC ERGO General Insurance Difference
	At HDFC ERGO General Insurance, we have a policy of quality and excellence of service. We bring you not only the collective expertise of India's premier financial services company and a world player in non-life Insurance, but also service standards and value systems that have enabled millions of people to face challenges in times of need. Here below are some of the things that you can rely on when you choose HDFC ERGO General Insurance as your non-life Insurance advisor.
	At HDFC ERGO General Insurance, we develop recommendations to help control losses and also believe in encouraging preventive measures such as the inspection of plants to identify potential hazards. We formulate suggestions for safety, property/personnel programs and facilitate settlement of routine claims on the first call. We narrow your financial gap by offering advance payments.
	We employ high standards for efficient claims servicing for a quick hassle free claims delivery. We do this by contacting our insureds within 24 hours of receiving loss notification and ensuring claim cheque issuance within 5 working days of receipt of all documents.
	HDFC ERGO General Insurance Claim Philosophy
	At the centre of our claims philosophy lie the core values of. INTEGRITY, EMPATHY, PROMPTNESS, EXPERTISE and FAIRNESS.
	Integrity : All of our customers - agents, brokers and policyholders alike - are entitled to the highest standards of professionalism, courtesy, services and equity of treatment from HDFC ERGO General Insurance. There are no exceptions to this rule. Empathy (First Party Claim) : The ability of our claim representatives to understand and appreciate the needs of our customers when they have a loss is regarded as highly as their technical knowledge and experience. Third Party Claim Philosophy : We ensure contact with the Third Party Claimant or the Attorney within 24 hours of intimation of loss. We encourage quick settlements through conciliation where warranted and vigorously defend appropriate claims. Expertise : Our Goal is to provide outstanding claim service that will exceed our customers' expectations through the use of knowledgeable, experienced claim personnel. Reserve Philosophy Early & Accurate - Ultimate Probable Cost    1st Party Losses Reserved in 30 Days    3rd Party Losses Reserved in 90 Days Large losses are reserved through a formal referral and committee process with zone. The major responsibility of the claim manager is to ensure adequate reserve posture - independent of any underwriting and administration influence. Claim Department Goals: Our claim department seeks to excel in the areas of service, inventory control, average paid claim, attorney expense and reserve adequacy.