Personal Accident Insurance Policy - HDFC ERGO
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Personal Accident Insurance

Accidents are unforeseen and inevitable. Such mishaps take only seconds to turn life upside down. Moreover, the impact is felt on the emotional as well as financial grounds. It can even drain your lifetime savings, leaving your family in a difficult situation without resources or help. Hence, securing your family’s future & enabling their basic day-to-day needs in your absence becomes utmost priority for you.

A Personal Accident Insurance ensures the financial stability for you and your family in the event of an accident. The policy covers death of individual, physical injuries and bodily burns.

HDFC ERGO Personal Accident Insurance

HDFC ERGO’s Personal Accident Insurance ensures you and your family’s financial security at the hour of need. Death, Permanent Total Disability, Temporary Total Disability, Broken Bones, Burns and Ambulance costs are covered under the policy. The personal accident insurance plan can also be extended to include your entire family under a single policy. HDFC ERGO’s Personal Accident Insurance Policy ensures your protection across the boundaries.

  • Anyone below the age of 65 years is eligible for the coverage
  • Policy Sum Insured ranges from Rs.2.5 lakhs to Rs.15 lakhs
  • Family Coverage Plans: A comprehensive coverage offered at affordable price extendable to the entire family in a single policy including dependents – parents and children
  • Insurance with no boundary limits. Coverage for accidents in India and worldwide
  • Almost all risks pertaining to accidents like Broken Bones, Burns, Permanent Disability or Accidental Deaths are covered under the policy. Coverage on Ambulance expenses as well as daily cash reimbursements for hospitalization due to accidents and sickness are also included in the policy plan
  • Accidental Death –If the physical injuries due to an accident leads to death of the insured, 100% of the Policy Sum Insured is reimbursed
  • Permanent Total Disablement (Table B) –If the physical injuries due to an accident results in permanent disablement, then up to 100% of the Policy Sum Insured is payable to the insured
  • Broken Bones – If the physical injuries to the insured results in bone fractures, then up to 10% of Policy Sum Insured is payable under the policy
  • Hospital Cash (Illness & Accident) –In the event of insured’s accident or illness, a daily assistance for hospitalization up to 45 days is provided
  • Burns – If an accident results in hospitalization of the insured and treatment of burns, up to 5% of Policy Sum Insured is payable
  • Ambulance Expense–Ambulance costs incurred on the insured post-accident are reimbursed as per the policy
  • Intentional acts
  • Injuries from Civil or Foreign Wars
  • Accidents resulting due to Alcohol/Drug influence
  • Accidents while riding a two-wheeler of more than 150 cc
  • AIDS / HIV
  • Injuries during active involvement in violent public disorder /labour disturbance
  • Injured on duty with military/police force or a paramilitary organization
  • Injuries resulting from participation in unsafe sports
  • *Please note these are illustrative exclusions. For detailed list, kindly refer the policy wordings.
  • *This content is descriptive only. Actual coverage is subject to language of policy issued.


  • What is an accident?

    Accident means any sudden or unexpected event, which leads to a permanent physical disability or accidental death.
  • What are the benefits payable under this policy?

    • 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.
  • What are the available plans with under this policy?

    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
  • How many members can be included under the Family Plan?

    You can include your spouse as well as two dependent children under the Family Plan.
  • Can I include my parents in this policy?

    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.
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Personal Accident 4.4 99487 | 99487 Reviews

Personal Accident Insurance Customer Reviews

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Customers Reviews

21 Nov 2016,  
21 Nov 2016,  
21 Nov 2016,  
Maruti Patil
20 Nov 2016,  
19 Nov 2016,  
ts mindblowing experiance
19 Nov 2016,  
good service
18 Nov 2016,  
18 Nov 2016,  
18 Nov 2016,  
very good
17 Nov 2016,  
excellent service