In an increasingly competitive business scenario, every organization has to stay prepared for the unexpected. It applies not just to the area you operate in, but also to your employees. After all, no one can afford to lose people, whether to illness, accidents or demotivation. HDFC ERGO’s Personal Accident Policies are designed to empower your Organisation by offering a comprehensive personal accident insurance.
With a choice of comprehensive insurance plans that provide powerful incentives for you and peace of mind for your people.
Covers the insured in case of loss of life in an Accident.
Pays a benefit if the insured is permanently disabled in an accident.
Pays a reimbursement for medical expenses incurred if the insured requires hospitalisation due to an accident .
Pays a daily benefit if the insured needs hospitalisation as an in-patient following an accident.
Pays medical insurance premiums for the surviving spouse and dependent child, in case of accidental death of the insured covered under the policy.
Pays the costs of reconstructive surgery following an accident.
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.
Reimburses the costs of medical expenses incurred by an insured person within 12 months of the date of loss resulting from an accident.
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.
If you injure yourself, it stands uncovered under this policy.
If you face injuries due to particpation in illegal or criminal act Group Accident Insurance remains uncovered.
Injuries due to participation in Adventure sports, hazardous act, Navy and Airforce remains uncovered.
Consuming intoxicated substance is harmful, if you face any health issues due to such consumption your policy shall not cover it.
HIV & AIDS treatment expenses remain uncovered.
Death or Injuries due to War and Terrorism remains uncovered.
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.
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For new construction, renovation, or process changes on client premises, our risk engineers advice and follow-up the projects from the design stage until completion to ensure that prevention and protection measures are suitably integrated.
RSR provides detailed information along with recommendations. This includes assessment of property and business interruption point of view. Our Risk Engineers will make a visit to site and will interact with on site technical team for better understanding of activities carried out. Onsite recommendations are given after discussion with site technical team. No unilateral recommendations are presented to clients without prior discussion on their technical or economic feasibility.
During visit, mainly property and business interruption exposure will be analyzed, which covers following:
The distribution of electric charge in the cloud also depends on the distribution of water and the particles of ice in the cloud. We can assist clients in evaluating their exposure to damage arising out of lightning strikes and help them prevent Accident or loss situations.
If loss amount is Substantial and based on client request we do visit place of loss along with appointed claim surveyor and insured representatives to take a stock of situations and recommend in the interest of property conservation. We try to get real feel of the damages client suffered and to assure him for best support.
Base on visit Risk Engineer will prepare a drief report covering following aspect in it:
Rainfall patterns change causing unseasonal floods. We assist clients in evaluating their exposure to Natural calamities help them make informed choices on preparedness for such events. We explore natural hazards exposure such as earthquake, storm, lightning, flood etc to particular location. This is done with the help of advanced tools and software available with us. PTO Our expertise allows us to go beyond traditional district wise maps and identify zones giving more precise risk exposure with reference to north east coordinates. In certain area, our expertise can capture pin code wise flood exposures. Our methodology of natural risk assessment is developed in house and strengthened by support from Munich Re’s Geosciences Research Group. After Identifying exposures, we recommend some preventive measures to our clients. There are standards available to minimize effect of natural catastrophe on the property. This type of assessment can help clients to select proper location for new projects and if location is exposed then safety measures can be taken at project inception stage itself.
Car Insurance 
Bike/Two Wheeler Insurance 
Health Insurance 
Pet Insurance 
Travel Insurance 
Home Insurance 
Cyber Insurance 
Third Party Vehicle Ins. 
Tractor Insurance 
Goods Carrying Vehicle Ins. 
Passenger Carrying Vehicle Ins. 
Compulsory Personal Accident Insurance 
Travel Insurance 
Rural 
Critical illness Insurance 
