HDFC ERGO - Personal Accident Insurance Plan
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.
Toll Free line: 1800-2700-700
E-mail: care@hdfcergo.com
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
| Category | Details | |||||||
|---|---|---|---|---|---|---|---|---|
| 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 Benefit | Sum 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
| Benefit | Details | ||||||
|---|---|---|---|---|---|---|---|
| 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
| BENEFITS | DETAILS | ||||||||
|---|---|---|---|---|---|---|---|---|---|
| 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 Parents | Definition | |||||||
|---|---|---|---|---|---|---|---|---|
| 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.
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
Know More