• Introduction
  • What's included?
  • What's not included?
  • Why Choose HDFC ERGO?

Compulsory Personal Accident Insurance

Effective from 01-Jan-2019, IRDAI has brought changes to “Compulsory Personal Accident Cover” for vehicle owners holding valid driving license. It means that these changes are applicable only to vehicle owners, who are lawfully able to drive nay owned vehicle on-road.

Now you can opt out from buying this cover with your motor insurance policies, subject to following conditions laid down by IRDAI:

  • You already hold Personal Accident Cover Policy of at least Rs 15 Lakhs sum insured.

  • Alternatively you already have motor insurance policy of another vehicle with “Compulsory Personal Accident” cover of Rs 15 Lakhs sum insured.

 

As per IRDAI mandate, you can choose to buy separate “Compulsory Personal Accident Cover” policy also to cover against accidental risks, while driving your own vehicle. This policy can be bought for any type of vehicle like private car, taxi, two wheeler and commercial vehicles (trucks, buses etc).

Reasons to buy Compulsory Personal Accident Insurance

Accidental Risks Covered
Compulsory Personal Accident cover protects you against self hazards caused due to an accident.
Upto Rs. 15 Lakhs for Accidental Death
Death due to accidents shatter your loved ones, get a cover of Rs. 15 lakhs to support their future.
Upto Rs. 15 Lakhs for Permanent Disability
In case of any disability from which you cannot recover, we pay upto Rs. 15 lakhs to support your finances.
No Documentation
With HDFC ERGO, take it easy! You can buy your policy online without any hassle and your policy sits in your inbox.

What's Included?

cov-acc

Cover Applicability

We cover you when you are driving or mouting/dismounting from your own vehicle. Even while traveling in the insured vehicle as a co–driver gets covered.

cov-acc

Full Sum Insured Paid

In an event of accidental death of owner-driver, nominee gets 100% sum insured

cov-acc

Lumpsum Payment

In an event of accidental death of owner-driver while driving, nominee gets lumpsum payment

cov-acc

100% Sum Insured

In case the insured loses both limbs (arm or leg) or sight of both eyes or sight of one eye and one limb, we pay 100% of sum insured.

cov-acc

50% Sum Insured

In case the insured loses sight of one eye or one limb, we provide 50% of sum insured

cov-acc

Personal Disability Covered

In case of permanent disability get 100% sum insured.

What's Not Included?

cov-acc

Non Driving State

If death occurs while the insured is not driving

cov-acc

Alcoholic Influence

Death or disability while driving under the influence of drugs/alcohol remains uncovered.

cov-acc

Illegal Driving

Your car insurance goes out of action if you do not possess a valid driving license.

Why HDFC ERGO?

Secured 1 Crore+ Smiles!

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.
Why HDFC ERGO?

All the support you need 24x7

We understand that in times of distress, instant help is the need of the hour. Our In-house claims team provides round the clock support to ensure hassle-free claim experience. We ensure to be your constant support system in times of need.
Why HDFC ERGO?

Catering customer needs

Since, last 16 years, we have been catering to endless customer requirements seamlessly, by providing wide range of plans and add on covers for every portfolio.
Why HDFC ERGO?

Transparency at its best

HDFC ERGO General Insurance claims are settled with utmost transparency and ease.
Why HDFC ERGO?

Awards

We have received the Best Customer Experience Award of the Year and excellence in financial reporting for the year 2016.
Why HDFC ERGO?

Secured 1 Crore+ Smiles

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.

All the support you need-24x7

We understand that in times of distress, instant help is the need of the hour. Our In-house claims team provides round the clock support to ensure hassle-free claim experience. We ensure to be your constant support system in times of need.

Catering customer needs

Since, last 16 years, we have been catering to endless customer requirements seamlessly, by providing wide range of plans and add on covers for every portfolio.

Transparency at its best

HDFC ERGO General Insurance claims are settled with utmost transparency and ease.

Awards

We have received the Best Customer Experience Award of the Year and excellence in financial reporting for the year 2016.

Other related articles

 

Other related articles

 
Awards & Recognition
x