Robinhood Insurance Broker Private Limited

HDFC ERGO - Personal Accident Insurance Plan

HDFC ERGO
General Insurance

HDFC ERGO General Insurance is a joint venture between HDFC Ltd., a leading Housing Finance Institution in India and ERGO International AG, a premier insurance body of Munich Re Group. With network across 70 cities, HDFC Ergo offers a wide range of general insurance products to meet the requirements of individuals and companies.

Contact Details

Toll Free line: 1800-2700-700
E-mail: care@hdfcergo.com

Product Overview of HDFC ERGO - Personal Accident Insurance Plan

This policy offers compensation in case of death or bodily injury to the insured person, directly and solely as a result of an accident, by external, visible and violent means.

Unique Features of HDFC ERGO - Personal Accident Insurance Plan

Permanent Total Disability: 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 the compensation as mentioned in the grid will be payable.

Hospital Cash: If the insured has claimed for Accidental Bodily Injury, then certain amount will be paid for each completed day in the hospital.

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 grid mentioned in the policy.

Eligibility Criteria for HDFC ERGO - Personal Accident Insurance Plan

CategoryDetails
Age Group Up to 65 Years and Parents up to 70 years
Renewal Age Life Long Renewal
Sum Insured Rs. 2.5 Lacs to Rs. 15 Lacs
Policy Tenure 1 Year 
Family Definition Individual & Family - (Self 100% of SI), (Spouse - 100% of SI), (Dependent Children (max 2) - AD & PTD - 10% of SI, Hospital Cash - 50% of SI), (Parents - AD, PTD covered up to Rs. 2.5 Lacs)


Sum Insured
Individual Plan 2.5 Lacs 5 Lacs 7.5 Lacs 10 Lacs 15 Lacs
Accidental Death  ₹ 250,000  ₹ 500,000  ₹ 750,000  ₹ 1,000,000  ₹ 1,500,000
Permanent Total Disability  ₹ 250,000  ₹ 500,000  ₹ 750,000  ₹ 1,000,000  ₹ 1,500,000
Broken Bones  ₹    25,000  ₹    50,000  ₹    75,000  ₹     100,000  ₹     150,000
Burns  ₹    12,500  ₹    25,000  ₹    37,500  ₹        50,000  ₹        75,000
Ambulance Costs  ₹       1,500  ₹       1,500  ₹       1,500  ₹          1,500  ₹          2,000
Hospital Cash (Accidents & Sickness) 250/day 250/day 250/day 500/day 500/day


Add-on BenefitSum Insured
Dependent Parents 2.5 Lacs 5 Lacs 7.5 Lacs 10 Lacs 15 Lacs
Accidental Death  ₹ 250,000  ₹ 250,000  ₹ 250,000  ₹     250,000  ₹     250,000
Permanent Total Disability  ₹ 250,000  ₹ 250,000  ₹ 250,000  ₹     250,000  ₹     250,000
Broken Bones  ₹    25,000  ₹    50,000  ₹    75,000  ₹        50,000  ₹        50,000


Family Plan

BenefitDetails
Accidental Death Spouse 100% & Children 10% (max 2)
Permanent Total Disability Spouse 100% & Children 10% (max 2)
Broken Bones Spouse 100% & Children No Pay-out 
Ambulance Costs Same Entitlement to All Family Members
Burns Spouse 100% & Children No Pay-out 
Hospital Cash (Accidents & Sickness) Spouse 100% & Children 50%

Product Benefits of HDFC ERGO - Personal Accident Insurance Plan

BENEFITSDETAILS
Accidental Death (AD) 100% of the Sum Insured
Permanent Total Disability (PTD) 100% of the Sum Insured
Broken Bones Pays upto Rs. 1.5Lac (or Flat Rs. 50,000 for parents) if an accident results in broken bones.
Hospital Cash Pays Up to Rs. 500 per day for Up to a max. of 45 days after 3 continuous days (i.e. upto Rs. 22,500)
Burns Up to 5% of Sum Insured
Ambulance Expense Pays upto Rs. 2,000 towards the reimbursement of the cost of ambulance charges.


Add-ons for HDFC ERGO - Personal Accident Insurance Plan

 Dependent ParentsDefinition
Accidental Death Bodily injury caused by accidental, violent, external and visible means resulting in death within 12 calendar months of the occurrence of such injury
Permanent Total Disability Bodily injury caused by accidental, violent, external and visible means resulting in permanent total disablement within 12 calendar months of occurrence of such injury
Broken Bones If during the Period of Insurance an Insured Person sustains Bodily Injury which directly and independently of all other causes results in a broken bone, the company shall pay the compensation as specified in the policy wordings.

Additional discounts for HDFC ERGO - Personal Accident Insurance Plan

Not Available

Exclusion in HDFC ERGO - Personal Accident Insurance Plan

Accidental Bodily Injury that you meet with or arises out of:

  • 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, etc.
Please refer the policy Terms & Conditions for a detailed list of exclusions.

Claim Process for HDFC ERGO - Personal Accident Insurance Plan

In case you would like to know about the Claim Process or would like to register a Claim please click the link below

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