Accidents do happen! In India there is an accidental death every 2 minutes. Disability
figures due to an accident far exceed these numbers. Your Life Insurance cover is
not sufficient as it is expensive (almost 10 times) and does not cover all your
liabilities. Accident insurance is the ideal add-on to your life insurance policy
(A top-up to your life cover). It's an inexpensive option to secure your entire
family and investments need not be broken to meet day-to-day needs.
HDFC ERGOoffers you a comprehensive accident insurance - round
the clock, round the year and round the world. More than just accident insurance,
it's an investment in your family's future.
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
- 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.
< primary for only applicable is>
- 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.