Not worth wasting your time or money in trying to deal with HDFC Ergo. The absence of customer centricity, ill trained staff and channel partners are a perfect recipe for disaster.
If your policy is moving from Apollo Munich to HDFC Ergo then be ready for a rough ride.
If you are buying a new policy from HDFC Ergo then it’s even worst.
Stay away from HDFC Ergo and explore other options.