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| 11 November, 2026, 05:32 PM IST | Today's ePaper
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    HDFC ERGO

    Planning robotic surgery? Your health insurer may pay only 50% of the hospital bill: Know what to check

    Robotic surgery is increasingly covered by health insurance in India, but not without complications. Despite having a high sum insured, policyholders must navigate sub-limits and exclusions that can significantly reduce payouts. Understanding these nuances before undergoing surgery is crucial to avoid unexpected out-of-pocket expenses when the final bill arrives.

    ₹10 lakh dengue health claim rejected over 2-year waiting period for a spinal disc condition; here’s why the policyholder won

    A significant ruling by the Delhi State Consumer Disputes Redressal Commission found in favor of a policyholder whose dengue hospitalisation claim was denied by HDFC Ergo due to a waiting period clause. This case highlights the importance of understanding policy exclusions and the need for insurers to substantiate their claims rejections with clear policy terms.

    Insurance changes positive, give the companies time to adapt: Theodoros Kokkalas, ERGO International

    Theodoros Kokkalas, chief operating officer of ERGO International said greater predictability would help insurers make long-term business plans. "We make plans, and today making long-term plans is like science fiction in the dynamic environment that we live in," he said. While India's general insurance industry is struggling to bring its combined ratio below 100%, with the industry average at 110-115% and ERGO is targeting a ratio of 80-85%, Kokkalas said there was no standard timeline for a market to reach that level.

    ₹1 crore accidental death claim rejected over alleged income inflation; here’s why wife won against insurer

    An insurer's attempt to deny a Rs 1 crore accidental death claim based on alleged income inflation backfired. The consumer commission ruled that insurers must prove deliberate misrepresentation, not just suspicion, influenced policy issuance. This landmark decision emphasizes the need for concrete evidence over mere allegations when repudiating claims.

    Gujarat floods trigger thousands of crores in insurance claims, prompting rate hikes for industrial risks

    Gujarat floods have triggered substantial insurance claims, prompting a review of pricing. Insurers are now pushing for more disciplined pricing on large industrial risks. This reassessment follows expected flood-related claims exceeding five thousand crore rupees industry-wide. The Gujarat losses increase the case for location-based catastrophe exposure pricing. Global reinsurers' stance will largely determine the extent of this pricing correction.

    HDFC Ergo aims at 18 per cent growth in retail health insurance in FY 25

    HDFC Ergo, a private general insurer, targets 18% growth in retail health insurance premiums this fiscal year, aiming for over ₹4,720 crore. Last year, they earned ₹4,000 crore with a 9% market share. In West Bengal alone, premiums reached ₹240 crore, and the company settled claims worth ₹2,900 crore nationwide, including ₹100 crore in West Bengal.

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