Accidents are the fact of life. The probability of you encountering an accident
in India or abroad is very high, as is disability resulting out of it. An
ordinary life insurance cover falls short of covering all the liabilities. Thus
a cost-effective Personal Accident Insurance is advisable that provides a
comprehensive cover for all your liabilities. Personal Accident Insurance is the
ideal supplement to your life insurance policy. Accident insurance policies are
not a substitute to your life insurance policy; nevertheless they provide
critical support in the event of accidental death or permanent total disablement
due to an accident. Personal Accident insurance is a relatively inexpensive
option to secure your family.
HDFC ERGO Personal Accident Insurance Policy
HDFC ERGO Personal Accident Insurance offers you a comprehensive accident
insurance. No matter where you are in India we have you covered round the clock.
Getting HDFC ERGO Personal Accident will not only insure you against unforeseen
accidents but also would be a wise way to invest in your family’s future.
Why HDFC ERGO Personal Accident Insurance
The individual stands protected by this Personal Accident cover in India as well
as any other location worldwide.
- Entry Age: Any individual in the age band of 18 years to
69 years can opt for the plan
- Sum Insured: Rs. 15 lakh to Rs. 75 lakh.
- Family Cover: Along with "Self Only" we are offering "Self and
Family" cover wherein Spouse and Children (max. upto two children) are covered under
a single policy. Provides 50% cover for Accidental Death and Permanent Total Disability
to Spouse and 10% to Children.
- Policy
Effective Date: 15 days after receipt of payment and proposal form
duly filled and signed.
- Easy Payment: by Credit Card or Cheque
HDFC ERGO Personal Accident Insurance Plan
- Accidental Death - Covers the insured in case of loss of life from
an accident upto 100% of the Sum Insured.
- Permanent Total Disablement - Pays up to 100% of the Sum Insured
if bodily injury results in permanent disablement due to an accident.
-
Temporary Total Disablement - Pays a weekly benefit upto the maximum
of 52 weeks, if an accident causes disablement that prevents you from carrying out
your usual occupation.
- Broken Bones - Pays upto Rs.50,000 if an accident results in broken
bones
- Last Rites - Pays a benefit towards funeral costs if
an accident causes loss of life.
- Hospital Cash - Provides a benefit of Rs.1,000 per day for
upto a maximum of 30 days in case of hospitalization due to accident.
Exclusions
- Armed Forces (Army / Navy / Air Force)
- Para–military Forces (BSF, RAF, CRPF, etc)
- Professional Sports Persons
- Hazardous Sports (Bungee jumping, Jet–Skiing, Para–gliding, etc)
- Merchant Navy
- Airline Pilots
- Off–shore Workers (Oil rigs / Drilling platforms)
*Please note these are illustrative exclusions. For detailed list, kindly refer
the policy wordings.
*This content is descriptive only. Actual
coverage is subject to language policy issued.