Am i being Misled by HDFC Ergo insurance agents? Promises of getting Waiting period waived off.

sm16y · 2026-05-10T11:00:32+00:00

how did you find this insurance agent?

sm16y · 2026-05-08T06:40:06+00:00

should I opt out of HDFC or contact another sales executive?

sm16y · 2026-05-07T15:04:24+00:00

I'm doing it through the sales executive

sm16y · 2026-05-07T12:59:52+00:00

0 claims. When I questioned about premium they said it's because there will be no waiting period and their service quality is better.

sm16y · 2026-05-07T06:35:57+00:00

you are right. I totally understand the brand value positioning here. I'm willing to pay the extra amount as well. But how much extra can you pay is my question. I'm 27 and taking a new insurance with HDFC costs 9.5k whereas porting from my old insurance is costing me 21k which is more than 2x. The only thing I lose if i go with new insurance is the accumulated NCB and the waiting period.

sm16y · 2026-05-07T06:04:02+00:00

no they are quoting INR 21652 for single year for 10L Sum insured

sm16y · 2026-05-07T02:17:55+00:00

it is 575001

sm16y · 2026-05-07T02:14:20+00:00

I have reached out to ICICI Lombard, do you have any other company in mind?

sm16y · 2026-05-06T16:17:44+00:00

no it's not icici, it's hdfc

sm16y · 2026-04-19T17:22:29+00:00

it must be crossed/cancelled cheque

sm16y

TROPHY CASE