Accident means any sudden or unexpected event, which leads to a permanent physical
disability or accidental death.
- Now you can protect your entire family with Personal Accident Insurance against
- 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.
HDFC ERGO offers you a wide range of Sum Insured, from Rs. 2.5 lakh to 15 lakh with
four plan options to choose.
- Self Plan
- Self & Family Plan
- Self + Dependent Parents Add-on
- Self & Family Plan + Dependent Parents Add-on
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.
50 % of the sum insured in case of accidental death, permanent disability, broken
bones, burns,Hospital cash of the spouse & 10% of the sum insured in case of
accidental death or permanent disability of the children.
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
Personal Accident Insurance is open to everyone from the age of 18 years to 65 years.
You can make a claim by calling our Toll free number 1800-226-226 (MTNL or BSNL
Line) or 1800-2-700-700 (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
The policy will commence within 15 days from the date of receipt of form & premium
This is an annual policy, where the premium can be made via Credit Card or Cheque.
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.
Exclusions are situations or conditions where in HDFC ERGO is not liable to pay
the benefits to the insured person in the event of an accident.
We will send you renewal reminders. The number of days advance reminder depends
upon the pay plan opted for.
- Cheque – 45 days
- Credit Card – 60 days
Yes, you shall receive the renewed policy.
The policy can be cancelled with a notice period of 30 days. The premium paid by
you will be returned on a pro-rata basis or 25% of the annual premium whichever
is higher would be retained. Any cancellation request sent after 30 days of the
commencement of the policy will be refunded on pro - rata basis.
This policy only covers accidental death.
The beneficiary could be any member of your family.
Yes the accident policy will cover you even if you are out of the country. The sum
insured will be paid to you in Indian Rupees in case of a claim i.e. the claim will
be paid out in India only.
Yes hospital cash provides a benefit of Rs 250 everyday upto a maximum of 30 days
in case of hospitalization due to an accident & sickness.