Group Insurance

Group Personal Accident Insurance Policy

In an increasingly competitive business scenario, every organisation has to prepare for the unexpected. It applies not just to the area you operate in, but also to your employees. After all, non one can afford to lose people, whether to illness, Accidents or demotivation.

HDFC ERGO’s Personal Accident Policies are designed to empower your Organisation.

With a choice of comprehensive insurance plans that provide powerful incentives for you and peace of mind for your people.

  • With HDFC ERGO Group Personal Accident Insurance Policy, you can choose the benefits you want for each class of employee which can either be a flat amount or a multiple of the employee’s salary.
  • The policy covers:
  • Standard benefits:
    • Accidental death - Covers the insured in case of loss of life in an Accident
    • Permanent disablement - Pays a benefit if the insured is permanently disabled in an Accident.
  • Hospital Cash: Pays a daily benefit if the insured needs hospitalisation as an in-patient following an Accident.
  • Medical Insurance Premium indemnity: Pays medical insurance premiums for the surviving spouse and dependent child, in case of Accidental death of the insured covered under the policy.
  • Reconstructive Surgery: Pays the costs of reconstructive surgery following an Accident.
  • Temporary Total disablement: Pays a weekly benefit if an Accident causes disablement that prevents the insured person from engaging in or giving attention to his/her usual occupation
  • Modility Extension: Pays 95% of costs of a wheel chair, vehicle and/or lifts or ramps needed by an insured who is permanently disabled in an Accident
  • ambulance Cost: In case of bodily injury suffered by the Insured then the Company agrees to pay the actual ground ambulance costs incurred by the Insured.
  • Last Rites Cost: If death results due to bodily injury or sickness of the insured person, the Company agrees to pay to the Insured Person’s beneficiary or legal representative the Compensation towards the cost of the last rites of the Insured Person.
  • In-hospital Medical Expenses: Pays a reimbursement for medical expenses incurred if the insured requires hospitalisation as an in-patient due to an Accident.
  • Emergency Medical Expenses (Accident only): reimburses the costs of medical expenses incurred by an insured person within 12 months of the date of loss resulting from an Accident
  • Dependent Child(ren) Education: Pays the education fees for the insured person’s dependent child(ren) if an Accident causes the insured’s death within 12 months of the date of loss
  • Please note that all benefits are Subject to a maximum amount as stated in the policy. In addition, some benefits are Subject to a deductible or a franchise which will be taken into consideration when handling a claim. These will be clearly noted in any quotation released or any policy issued.
  • Mentioned below are some standard exclusions:
    • Self inflicted injury
    • Participation in a criminal act
    • Participation in a hazardous sport
    • Intoxication
    • AIdS/HIV
    • Terrorism
    • War or Civil War
  • Please read your policy contract for a full list of exclusions, terms and conditions.