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HDFC ERGO Integration

Private General·Mumbai· Live

HDFC ERGO is a joint venture between HDFC Ltd and ERGO International AG, known for digital-first insurance.

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Products Supported

6 product lines integrated with HDFC ERGO

Each includes real-time quotes, proposal submission, policy issuance, endorsements, and renewal management.

🏥 Health

Real-time quotes, proposal submission, policy issuance, endorsements, and renewals for health insurance through HDFC ERGO.

🚗 Motor Car

Real-time quotes, proposal submission, policy issuance, endorsements, and renewals for motor car insurance through HDFC ERGO.

🏍️ Motor Two-Wheeler

Real-time quotes, proposal submission, policy issuance, endorsements, and renewals for motor two-wheeler insurance through HDFC ERGO.

✈️ Travel

Real-time quotes, proposal submission, policy issuance, endorsements, and renewals for travel insurance through HDFC ERGO.

🏢 Group Health

Real-time quotes, proposal submission, policy issuance, endorsements, and renewals for group health insurance through HDFC ERGO.

🛡️ Group PA

Real-time quotes, proposal submission, policy issuance, endorsements, and renewals for group pa insurance through HDFC ERGO.

HDFC ERGO Plans

Plans available through InsureFlow

Optima Secure

Quotes, proposals, issuance via API

Optima Restore

Quotes, proposals, issuance via API

My Health Suraksha

Quotes, proposals, issuance via API

Car Zero Dep

Quotes, proposals, issuance via API

Two Wheeler Smart

Quotes, proposals, issuance via API

Travel Optima

Quotes, proposals, issuance via API

API Capabilities

Full lifecycle integration

Real-time quote generation with plan comparison
Proposal submission with KYC/CKYC verification
Payment collection via Razorpay + reconciliation
Instant policy issuance and PDF download
Mid-term endorsements (name, address, nominee changes)
Renewal premium fetch and auto-renewal flow
Claims registration, document upload, status tracking
Cashless pre-authorization for network hospitals
Group policy member add/delete/modify
API health monitoring with alerts

Integration Architecture

InsureFlow Platform

Admin panel, agent portal, customer portal, mobile apps

↓ REST API + WebSocket ↓

Insurer Adapter Layer

Request mapping, auth, retry + circuit breaker (Polly), response normalization

↓ HTTPS / TLS 1.3 ↓

HDFC ERGO API

Quotes, proposals, policies, claims, renewals, group

Advanced Capabilities

Beyond quotes — full lifecycle management

📝

Claims Management

End-to-end claims with HDFC ERGO:

Claims registration via API
Document upload (bills, FIR, photos)
Real-time claim status tracking
Cashless pre-authorization
Settlement tracking and analytics
Claims MIS reports for IRDAI

🏢

Group / Corporate Policy

Enterprise group policy management:

Group Health + GPA policy setup
Bulk member add/delete via Excel
Mid-term endorsements (new joinees, exits)
HR portal for corporate clients
E-card generation for employees
Group renewal with member reconciliation

📱

React Native Mobile App

HDFC ERGO on your mobile apps:

B2C: view policies, track claims, renew
B2B: agents quote HDFC ERGO on-field
Push notifications for policy/claim updates
Digital policy card in-app
One-tap renewal from mobile
Offline quote save + sync when online

Setup Process

How we integrate HDFC ERGO for your brokerage

1

Credentials

Configure HDFC ERGO API keys and UAT/production environment

2

Product Mapping

Map plans, add-ons, questionnaires, and value codes

3

End-to-End Testing

Quotes → proposal → payment → policy → claims on UAT

4

Go Live

Production switch + health dashboard monitoring

FAQ

HDFC ERGO integration questions

Does InsureFlow support real-time HDFC ERGO quotes?▼

Yes. InsureFlow fetches live pricing from HDFC ERGO's API and displays it alongside other insurers for instant comparison.

Can I manage HDFC ERGO claims through InsureFlow?▼

Yes. Full claims lifecycle — registration, document upload, real-time status tracking, cashless pre-authorization, and settlement tracking.

Does InsureFlow support HDFC ERGO group/corporate policies?▼

Yes. Group Health and GPA — bulk member management, mid-term endorsements, HR portal, e-card generation, and group renewal.

Can agents access HDFC ERGO quotes on mobile?▼

Yes. Our React Native B2B app lets agents generate HDFC ERGO quotes on-the-go, share via WhatsApp, and submit proposals from their phone.

How long does HDFC ERGO integration setup take?▼

With API credentials ready, setup takes 3-5 days including configuration, product mapping, testing, and go-live.

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