Knowledge Centre

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

Personal Accident Insurance

Accidents shatter people emotionally, physically and financially, draining away lifelong savings. Your happiness comes to a pause and you are left with shock and financial burden. HDFC ERGO presents Personal Accident Insurance to help you sail through steadily during these times. This health insurance policy offers lump-sum compensation in one single transaction to cover accidental medical expenditures. To secure your family’s day to day life routine in your absence, it’s essential to get Personal Accident insurance.

Reasons to choose HDFC ERGO Personal Accident Insurance

Worldwide Coverage
Worldwide Coverage
Are you worried about your policy being restricted to territorial limits? Fret not, our policies provide worldwide coverage cutting across geographies.
Option to cover family
Option to cover family
Are you worrying about covering your growing family? Well, we love the family bonding and have policies to cover your family in one single policy.
Lifelong Renewability
Lifelong Renewability
Age limits restricting you from renewing your policy? With us, you can age gracefully, breakthrough age barriers with options to renew policies lifelong.
No medical checkups
No medical checkups
Are you tired of getting umpteen medical checkups to get your policy? Well the good news is, you don’t need to have any more medical checkups.

What’s included?

Accidental Death
Accidental Death

Fatal accidents can cause death. Our policy provides up to 100% of the Sum Insured in case the insured loses his/her life in an accident.

Permanent Total Disability
Permanent Total Disability

Major accidents decide fate. We provide benefits based on the Sum Insured in case the insured is permanently disabled in an accident.

Broken Bones
Broken Bones

Movement without bones is impossible. Our policy provides benefits based on the Sum Insured in case accidents result in broken bones.

Burns
Burns

Fire can remove the spark off you. Our policy provides benefits based on the Sum Insured in case the insured encounters Know More...

Ambulance costs
Ambulance costs

Absence of timely help can prove fatal. Our policy pays transportation expenses to help reach the nearest hospital, Know More...

Hospital Cash
Hospital Cash

Accidents can cause a cash crunch. We provide daily cash allowances for accidents leading to hospitalization.

What’s not included?

Adventure Sport injuries
Adventure sport injuries

Adventure sports can give you an adrenaline rush,but when coupled with accidents, they can be hazardous. Our policy does not cover accidents encountered while participating in adventure sports.

Self-inflicted injuries
Self-inflicted injuries

You might think of causing injury to your precious self,but we don’t want you to hurt yourself. Our policy does not cover self-imposed injuries.

War
War

War can be disastrous and unfortunate. However,our policy does not cover any claim that are caused due to wars.

Participation in defense operations
Participation in defense operations

Our policy does not cover accidents while you are participating in defense (Army/Navy/Air Force) operations.

Venereal or Sexually transmitted diseases
Venereal or sexually transmitted diseases

We do understand the criticality of your disease. However,our policy does not cover venereal or sexually transmitted diseases.

Treatment of Obesity or Cosmetic Surgery
Treatment of obesity or cosmetic surgery

Treatment of obesity or cosmetic surgery is not eligible for coverage under your insurance policy.

For detailed inclusion and exclusion please refer the sales brochure/policy wordings

Why is it important to buy a Personal Accident Insurance?

Round the clock coverage
Round the clock coverage

The world sleeps at night, but we ensure that you are covered 24 hours, as the clock ticks into day and night

Covers Age 18-70 Years
Covers Age 18-70 Years

We know you care for your parents. We extend our support by covering your parents upto 70 years and anyone upto 65 years.

Worldwide Coverage
Worldwide Coverage

We cut through geographic borders and provide you worldwide coverage.

Lifelong Renewability
Lifelong Renewability

We provide lifelong renewable policies so as your age ticks by, we step up to help you renew your policy.

Free Look Cancellation
Free Look Cancellation

Although we would love to serve you, your choice of canceling a policy with Us rests with you. We allow free look cancellation.

Long Term Discount
Long Term Discount

We acknowledge your trust in us and we promise discounts for long-term policies.

Frequently asked questions

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.
You can include your spouse as well as two dependent children under the Family Plan.
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.
HDFC ERGO offers you a wide range of Sum Insured,from Rs.2.5 lakh to 15 lakh with four plan options to choose.
  1. Self Plan
  2. Self&Family Plan
  3. Self+Dependent Parents Add-on.
  4. Self&Family Plan+Dependent Parents Add-on
Dependent child means an unmarried dependent child residing with the insured person between the age of 3 months and up to 18 years or up to the age of 21 if in full time education
Personal Accident Insurance is open to everyone from the age of 18 years to 65 years.
You can make a claim by calling 022-6234 6234(Accessible from India only)or 022 66384800(Local/STD charges apply).We will then assist you with the submission of the documents required and the process will be completed within 7 working days,once all the required documents are submitted.
The policy will commence within 15 days from the date of receipt of form&premium payment.
The best part of this policy is that it has hassle free documentation.All you need to do is fill the complete proposal form with relevant details and sign it.Tick any one plan and attach a cheque or fill the credit card details in the form.
Pays 10%of Sum Insured upto 50,000(for dependent parents),if an accident results in broken bones.
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