We sell HDFC Life and HDFC Ergo policies exclusively — term, health, family floater, motor and personal accident cover — so we know every plan variant inside out and can match you to the right one, not just any one.
As an authorized HDFC Life & HDFC Ergo partner, we know every plan variant in depth — so we match you to the right one instead of the one that's easiest to sell.
HDFC Life Click 2 Protect — high-value life cover for your dependents at low premiums, with critical illness riders.
HDFC Ergo Optima Secure / Health Suraksha — cashless hospitalisation across 13,000+ network hospitals.
HDFC Ergo My:Health Family Suraksha — one shared sum insured for up to 6 family members.
HDFC Ergo E@sy Motor — comprehensive, third-party and own-damage cover with zero depreciation add-on.
HDFC Ergo Personal Accident — income protection for you and your family in case of accidental injury.
Every certificate below is verifiable — tap any card to see the registration details, or ask us for the original on your first call.
Confirms Megha Insure is registered with the Insurance Regulatory and Development Authority of India.
View details →Confirms Megha Insure is an authorized agent permitted to sell HDFC Ergo General Insurance products.
View details →Confirms Megha Insure is a registered business entity operating out of Sahibabad, Ghaziabad.
View details →Confirms Megha Insure is registered with the Insurance Regulatory and Development Authority of India.
A sample comparison for a 30-year-old, ₹10 lakh cover. We build the same table for your exact profile before you decide.
| HDFC Ergo Plan | Monthly premium | Room rent limit | Claim ratio | Waiting period |
|---|---|---|---|---|
| Optima Secure | ₹641 Best value | No capping | 98.2% | 2 years |
| Optima Restore | ₹712 | No capping | 98.2% | 2 years |
| Health Suraksha | ₹589 | Category-based | 98.2% | 3 years |
| My:Health Woman Suraksha | ₹758 | No capping | 98.2% | 2 years |
Age, income, dependents, existing cover if any — fifteen minutes on call or WhatsApp.
A shortlist of 2–3 plans across insurers with trade-offs explained in plain language.
Documentation, medical tests if needed, policy issuance — and we stay with you through any claim.
No. We're paid a standard commission by the insurer once you buy a policy through us — the premium you pay is the same whether you buy directly or through Megha Insure.
Yes — we're an authorized HDFC Ergo partner and sell HDFC Ergo policies exclusively. That focus means we know every plan variant, rider and exclusion in depth, so we can match you precisely instead of spreading thin across insurers.
You call us, not a call centre. We coordinate directly with the hospital or insurer's claims team and follow up until it's settled — this is the part of the job we take most seriously.
Yes, we regularly review existing policies and port them to better plans where it makes sense, without a break in your continuity benefits.
No commitment on the first call — we'll tell you honestly if you don't need what you came asking for.
Leave your details and one of our advisors will call within a few hours — no call centre queue, no auto-dialer.