Personal Accident
Personal Accident A ray of hope when you need it most
  • - Instant Online Policy
  • - No Health check up required

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    39473 Ratings | 1246 Reviews
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Personal Accident Insurance

Accidents are unforeseen and inevitable. Such mishaps take only seconds to turn life upside down. Moreover, the impact is felt on the emotional as well as financial grounds. It can even drain your lifetime savings, leaving your family in a difficult situation without resources or help. Hence, securing your family’s future & enabling their basic day-to-day needs in your absence becomes utmost priority for you.

A Personal Accident Insurance ensures the financial stability for you and your family in the event of an accident. The policy covers death of individual, physical injuries and bodily burns.

HDFC ERGO Personal Accident Insurance

HDFC ERGO’s Personal Accident Insurance ensures you and your family’s financial security at the hour of need. Death, Permanent Total Disability, Temporary Total Disability, Broken Bones, Burns and Ambulance costs are covered under the policy. The personal accident insurance plan can also be extended to include your entire family under a single policy. HDFC ERGO’s Personal Accident Insurance Policy ensures your protection across the boundaries.

  • Anyone below the age of 65 years is eligible for the coverage
  • Policy Sum Insured ranges from Rs.2.5 lakhs to Rs.15 lakhs
  • Family Coverage Plans: A comprehensive coverage offered at affordable price extendable to the entire family in a single policy including dependents – parents and children
  • Insurance with no boundary limits. Coverage for accidents in India and worldwide
  • Almost all risks pertaining to accidents like Broken Bones, Burns, Permanent Disability or Accidental Deaths are covered under the policy. Coverage on Ambulance expenses as well as daily cash reimbursements for hospitalization due to accidents and sickness are also included in the policy plan
  • Accidental Death –If the physical injuries due to an accident leads to death of the insured, 100% of the Policy Sum Insured is reimbursed
  • Permanent Total Disablement –If the physical injuries due to an accident results in permanent disablement, then up to 100% of the Policy Sum Insured is payable to the insured
  • Broken Bones – If the physical injuries to the insured results in bone fractures, then up to 10% of Policy Sum Insured is payable under the policy
  • Hospital Cash (Illness & Accident) –In the event of insured’s accident or illness, a daily assistance for hospitalization up to 45 days is provided
  • Burns – If an accident results in hospitalization of the insured and treatment of burns, up to 5% of Policy Sum Insured is payable
  • Ambulance Expense–Ambulance costs incurred on the insured post-accident are reimbursed as per the policy
  • Intentional acts
  • Injuries from Civil or Foreign Wars
  • Accidents resulting due to Alcohol/Drug influence
  • Accidents while riding a two-wheeler of more than 150 cc
  • AIDS / HIV
  • Injuries during active involvement in violent public disorder /labour disturbance
  • Injured on duty with military/police force or a paramilitary organization
  • Injuries resulting from participation in unsafe sports
  • *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 of policy issued.

FAQs

  • What is an accident?
    Accident means any sudden or unexpected event, which leads to a permanent physical disability or accidental death.
  • What are the benefits payable under this policy?
    • Now you can protect your entire family with Personal Accident Insurance against accidental injuries.
    • The policy provides the benefits to you and your family, for Accidental Death, Permanent Disability, Broken Bones, Burns due to an accident.
    • It also provides benefit of Ambulance cost and hospital cash.
  • What are the available plans with under this policy?
    HDFC ERGO offers you a wide range of Sum Insured, from Rs. 2.5 lakh to 15 lakh with four plan options to choose.
    • Self Plan
    • Self & Family Plan
    • Self + Dependent Parents Add-on
    • Self & Family Plan + Dependent Parents Add-on
  • How many members can be included under the Family Plan?
    You can include your spouse as well as two dependent children under the Family Plan.
  • Can I include my parents in this policy?
    Yes, you can include your dependent parents up to 70 years. Personal Accident Insurance provides add on benefits for your dependent parents with an affordable flat rate. Now you can give back a small measure of the love and concern they showed for you.
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Personal Accident 4 39473 | 1246 Reviews

Customer Review Summary

Average Rating :    4
(Based on 39473 ratings )
Star 5 :
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Star 1 :

Customers Reviews

   5
SANJAY KANSARA
24 Jun 2014,  
      
Accidental policy on net is good
   5
KRISHNAPANDIAN R
17 Jun 2014,  
      
This policy has useful our family
   4
Huda Masood
16 Jun 2014,  
      
I've been reviewing policies for over a month now. I think yours is the most comprehensive I have come across. Thank you.
   4
NIKHIL TIBREWAL
14 Jun 2014,  
      
we are already customer of hdfc ergo and are satisfied with the product. And aslo we are reffering to other people.
   4
RAMANAYAK D
28 May 2014,  
      
This is really good stuff as i got my policy issued immediately which I have not seen from any other company till now.
   5
PENDEM SUNITA
24 May 2014,  
      
excellent onlline general insuance, i appreciate simeple process without entering large detals. Not taking number of steps without confusing. Thank you for introducing this type of general insuance thorugh netbanking.
   5
K NIZAMUDEEN
07 May 2014,  
      
Easy to make payment and paperless work
   5
MANISH SHARMA
23 Apr 2014,  
      
tHIS IS VERY GOOD POLICY FOR THE INDIVIDUALS WHO TRAVEL. sHALL RECOMMEND TO OTHER FELLOW TRAVELLERS. aND VERY GOOD SETRVICES AT HDFC.
   5
NILESH CHOUDHARI
28 Mar 2014,  
      
Very Much Satisfactory services provided by HDFC Ergo. This Accidental plan is providing much more protection to family in very cheap value.
   5
MANISH Sharma
20 Mar 2014,  
      
very good eperience of online buying policy