HDFC ERGO Personal Accident Plan

• The cover provided is applicable 24 hours a day, 7 day a week, 365 / 366 days of the year
• The individual stands protected by this Personal Accident cover in India and any other location worldwide
• No health check up required
• Life Long Renewability​​​​​​​

• Age Criteria: 18 years to 65 years
• Offers 7 options from a minimum coverage of Rs. 10 Lacs to a maximum of Rs. 1 cr.
• Policy Tenure 1, 2 & 3 years

Coverages from 10 to 25 Lacs Sum insured

• Accidental Death: Pays the Sum Insured in the event of an accidental bodily injury causing the insured person’s death.
• Permanent Disability: Pays the percentage of Sum Insured as stated in the table of benefit (Table A), if the Insured is permanently disabled due to an accident.
• Dependent Child Education Benefit-Payable for 1 year: Pays the education fees for the insured person’s dependent child up to the amount stated in the schedule, if an accident causes the insured person’s death
• Medical Insurance Premium Indemnity payable upto 1 year: Pays the actual costs of medical insurance premiums for the insured person’s surviving spouse and dependent child up to the amount stated in the schedule, if an accident causes the insured person’s death
• Dependent Girl Child Wedding Benefit: Pays the Sum Insured as stated in the schedule, if an accident causes the insured person’s death.(This coverages is available from 15 Lacs & above Sum insured)

Coverages from 50 Lacs to 1 crore Sum insured

Click here to read policy wording.

• Accidental Death: Pays the Sum Insured in the event of an accidental bodily injury causing the insured person’s death.
• Permanent Disability: Pays the percentage of Sum Insured as stated in the table of benefit (Table A), if the Insured is permanently disabled due to an accident.
• Dependent Child Education Benefit-Payable for 1 year: Pays the education fees for the insured person’s dependent child up to the amount stated in the schedule, if an accident causes the insured person’s death
• In-Hospital Medical Expenses-Accident Only: Reimburse hospitalization costs up to maximum sum insured if bodily injury due to an accident results in hospitalization
• Hospital Daily Cash-Accident only:Provides a daily benefit up to a maximum of 30 days in case of hospitalisation due to an Accident.

• Armed Forces (Army / Navy / Air Force)
• Para‐military Forces (BSF, RAF, CRPF, etc)
• Professional Sports Persons
• Hazardous Sports (Bungee jumping, Jet‐Skiing, Para‐gliding, etc)
• Merchant Navy
• Airline Pilots
• Off‐shore Workers (Oil rigs / Drilling platforms)
• Structural workers, Window cleaners, Junk/salvage workers, Saw mill workers, Security guards, Mine workers, Fire workers & Fire fighters

Bodily Injury / Sickness caused:

• Intentionally
• Due to Civil War or Foreign War
• Under the influence of Alcohol /drug
• Due to driving two wheeler of more than 150 cc
• Due to AIDS / HIV
• Due to active participation in violent labour disturbance / public disorder
• On duty with military or police force or paramilitary organization
• Due to participation in hazardous sports

PLEASE NOTE:
*This content is descriptive only. Actual coverage is subject to the language of policy issued.
**These are illustrative exclusions. For a detailed list, kindly refer to the policy wordings.
Disclaimer: Please note that HDFC Bank is a corporate agent of HDFC ERGO. The Contract of insurance is between HDFC ERGO and the Insured only and HDFC Bank is not a party to the said contract. Participation by customer to buy insurance policy is purely voluntary. Insurance is the subject matter of the solicitation. For more details on coverage, terms and conditions, please read the policy document carefully before conducting a sale. Certified Corporate Agent's License No. CA0010

Note: Coverage’s, terms and conditions and exclusions are only outlined briefly. For complete details; please refer to the policy wordings

 

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 are submitted

Substantial income proof required for certain coverages. Pls refer HDFCERGO site / policy document.

PLEASE NOTE: Documents in addition to those mentioned above may be asked for, depending on the nature of accident and claim lodged. Please retain a copy of the documents sent for your records.

To download the claim form, click here.

Disclaimer:

Please note that HDFC Bank is a corporate agent of HDFC ERGO. The Contract of insurance is between HDFC ERGO and the Insured only and HDFC Bank is not a party to the said contract. Participation by customer to buy insurance policy is purely voluntary. Insurance is the subject matter of the solicitation. For more details on coverage, terms and conditions, please read the policy document carefully before conducting a sale.
Certified Corporate Agent's License No. CA00100