HDFC ERGO is a 51:49 joint venture firm between HDFC and ERGO International AG, one of the insurance entities of the Munich Re Group in Germany operating in the insurance field under the BFSI sector. The company offers products in the retail, corporate and rural sectors. The retail sector products are health, motor, travel, home, personal accident, and cybersecurity policy. Corporate products include liability, marine, and property insurance. Rural sector caters the farmers with crop insurance and cattle insurance.