Once I got a call from them. they explained very well about HDFC ERGO health plan. I thought its good so I bought it. I have taken it for 2 years but after one n half years I got to know that its not main health policy its a top-up policy. I was not having any base health policy then how can they give me top-up policy. they did not explain that its a top-up. I was in confidence that I have one health policy but actually its not. people can do anything for sale.WASTE OF MONEY