Accidental deaths or injuries can be devastating, it can attack your physical, emotional, mental, and financial status to ruin your happy life moments in no time. This is one of the reasons the HDFC ERGO personal accident insurance plan covers you globally with its worldwide coverage benefits. Moreover, it provides lifelong renewability to continue the safety net over your head. And guess what! One of the biggest flexes of this plan is, that you need not go through any pre-policy medical check-ups to buy it.
You can buy an HDFC ERGO accidental insurance policy either on an individual or a family floater basis. You can secure your life along with your family members including elder parents, spouse and dependent children within a single plan. The plan combination/s of HDFC accidental insurance available are:
Self
Self and family plan
Self + dependent parents add-on
Self and family plan + dependent parents add-on
The specialized coverage under this plan includes:
Accidental injuries
Accidental Death
Permanent Disability
Broken bones
Burns (even 2nd and 3rd degree)
Ambulance charges
Hospital cash
Read further the eligibility criteria, benefits, inclusions and exclusions of the personal accident HDFC ERGO health insurance plan.
Eligibility Criteria for HDFC ERGO Personal Accident Insurance
Here is an illustration of the eligibility criteria for the personal accident insurance policy by HDFC ERGO:
Entry Age
Child: 91 days - 25 years
Adult Entry Age
Adult: 18 - 65 years
Plan Type
Individual
Policy Term
1/2/3 years
Initial Waiting Period
No waiting period for accidental claims
Sum Insured
INR 20 L - 10 Cr
*The Initial Waiting Period is the period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
To know more about the plan read the brochure provided below:
Benefits of HDFC ERGO Personal Accident Insurance
If you are thinking of buying personal accident insurance by HDFC ERGO, go for it. But you must know some of the benefits attached to this policy before investing in it:
Accidental Death
The plan covers the policyholder/s for severe accidents up to 100% of the sum insured. Also, if the policyholder has unfortunately met with an accident, the policy will provide 100% coverage for their family members who are covered in the policy.
Permanent Total Disability
If the policyholder/s has met with an accident that has caused them partial or full disability, the insurer will provide a safety net up to a maximum of the sum insured.
Broken Bones
The plan pays 10% of the total base sum insured or up to INR 50K to the insured’s elderly/dependant parents in a condition of broken bones due to an accident.
Burns
This plan will also cover the insured individual up to the sum insured if he/she encounters the 2nd or 3rd-degree burns that occurred due to an accident by any means of conveyance or motility.
Ambulance costs
In case of a medical emergency or high-stakes injuries, the insurer will cover the cost of an ambulance and expenses related to transportation from one hospital to the other.
Hospital Cash
The policyholder can avail of the daily hospital cash benefit if required for a long-term hospitalisation.
Tax Benefits
All the premiums paid towards the HDFC ERGO personal accidental insurance policy are eligible for tax benefits under Section 80D of the Income Tax Act.
Specification (Inclusions): HDFC ERGO Individual Personal Accident Insurance Plan
HDFC ERGO personal accidental insurance policy has three variants stretching the coverage limit to the extent of overall medical support in an emergency. The three plan variants of this personal accident insurance policy are Essential, Advanced, and Elite.
Choose your HDFC ERGO accidental insurance plan to get ready against all the uncertainties of life. Read here the inclusions of this plan before investing in it.
Essential
Death and disability coverage
Sum insured ranging from INR 20 L to 1 Cr
Accidental hospitalisation with the restoration benefit cover
Protects the financial liability with loan secure benefit of the insured
Accidental OPD expenses are covered
Supports income gain in an injurious disability to earn
Advanced
Comprehensive policy with 24 optional rider benefits
Sum insured ranging from INR 1 Cr to 2.5 Cr
Lump sum payout benefit in times of accidental death and disability
Accidental hospitalisation with the sum insured restoration benefit
Supports financial liabilities in parts of loan security benefit
Accidental OPD expenses
Supports income gain in an injurious disability to earn
Accidents occurring due to adventurous sports cover
In case of burns and fractures, the insured gets a cover for a lump sum payout benefit
Air ambulance cover
Elite
Comprehensive policy with 30 optional rider benefits
Sum insured ranging from INR 2.5 Cr to 10 Cr
Lump sum payout benefit in times of accidental death and disability
Accidental hospitalisation with the sum insured restoration benefit
Supports financial liabilities in parts of loan security benefit
Accidental OPD expenses
Supports income gain in an injurious disability to earn
Accident occurring due to adventurous sports cover
In case of burns and fractures, the insured gets a cover for a lump sum payout benefit
Air ambulance cover
Provides financial assistance in an emergency to the elder parents, spouse, children, and pets of insured
It offers support for the income loss while the insured is in a coma
Expenses related to head/ spinal X-rays, CT/MRI scans, and much more are covered with this variant
Exclusions: HDFC ERGO Personal Accident Insurance Plan
Read below the list of standard exclusions or the conditions that are not covered under the HDFC ERGO accident policy:
Self-inflicted injury
An attempt to suicide/committed suicide
Abusing intoxicants or hallucinogens; drugs and alcohol
Uncertainties caused due to adventure sports (unless it’s specifically opted while accessing the policy)
Treatment of obesity/weight control treatment and cosmetic/plastic surgery
Breach of law/unlawful activities that involve criminal intent
War, that is the act of war, foreign enemy, public defence, rebellion, revolution, insurrection, military, chemical, radioactive or nuclear contamination
Pregnancy or childbirth-related complications
External congenital diseases
For a detailed list of exclusions (what’s not covered), check through the policy wordings of the plan or your policy documents.
So hopefully, you have enough information about the HDFC ERGO Personal Accidental insurance policy!
Life may or may not be a bed of roses every day, as we can have good or bad experiences depending on what we have gone through. There’s no way that one has thought of meeting with an accident or getting an accidental injury. However, if someone has experienced such kind of an accident, it may shatter their emotional, mental, physical, and financial well-being all at once. It’s always necessary to be one step ahead of any uncertainty that may occur with us. HDFC ERGO Personal Accident Health Insurance plan is something that you need at this hour. It will not only support you throughout the recovery phase, but it will also take care of your family when you are not around.
Want to know anything else?
If you have another query, slide your questions into our email inbox at helpdesk@policyx.com or ring us at 1800 4200 269, and get your queries answered by one of our experienced advisors of health insurance at PolicyX.com.
HDFC ERGO Health Insurance Network Hospital List
HDFC Ergo entails a wide network of cashless Hospitals that impact millions of lives PAN India. A well connected network of over 12000+ cashless hospitals, HDFC Ergo ensures that you are medically secured, irrespective of the city you reside in.
HDFC ERGO provides myriads health plans to cater to the different needs of different customers. You can read about HDFC ERGO health plans for individuals, families, senior citizens, etc, below:
Designed especially for people with pre-existing diabetes or hypertension. Get coverage for diabetes and hypertension from Day 1 without any waiting period.
Covers all types of cancer at all stages with lifelong renewability option. If diagnosed with IV stage cancer or relapse, this plan pays 100% of SI as a lump sum.
An ideal health plan for people with a pre-existing critical illness or a family history of critical illnesses. Get comprehensive coverage for 15 critical illnesses.
A flexible and comprehensive health plan, securing your today & tomorrow. With 'Reserve Benefit' features, this plan grows unused policy amount @6% interest rate.*
Women-oriented health plan providing comprehensive medical insurance with major illnesses cover, and cancer cover all under a single plan but different variants.
This plan covers the policyholder with basic to advanced healthcare benefits not only within the Indian subcontinents but globally as well.
Unique Features
Global healthcare coverage
Multiple wellness services
Unlimited restore add-on
Optima Secure Global Plan (Pros)
In-patient hospitalisation
Daycare treatment
Domiciliary hospitalisation
Sum insured restoration
Organ donor expense cover
Optima Secure Global Plan (Cons)
COVID-19 care not covered
Modern treatment not covered
OPD not covered
Sub-limits not applicable
Optima Secure Global Plan (Other Benefits)
Individual, multi-individual & family floater plan
Trusted insurance provider
Unlimited benefits up to SI
Cashless claim settlemen
AYUSH treatment coverd
Optima Secure Global Plan (Eligibility Criteria)
Entry age - Child - 91 days - 25 Years
Adult - 18 - 65 Years
SI - INR 1 -2 Crore/s
Waiting Period - 30 days
HDFC ERGO Personal Accident Insurance: FAQ's
1. What does the HDFC ERGO personal accident insurance policy cover?
It covers hospitalisation expenses and provides hospital cash benefits, related to accidental injury, disability, accidental death lump sum payout, burns, broken bones and fracture treatment expenses of the insured and the covered family members.
2. What is the maximum age limit for including my parents under HDFC ERGO personal accidental insurance?
You can get coverage for your elderly parents by adding them to your policy. The maximum age limit for adding parents is 70 years.
3. What is the waiting period for the HDFC ERGO accident policy?
There is no waiting period for claiming this policy. Since it’s an accidental coverage-specific plan, it covers all the accidental conditions from day 1 of buying the policy.
4. Will this plan cover my family if I die in an accident?
Yes, this plan is designed in such a way that if the policyholder dies due to an event of an accident, it will provide a lump sum payout for financial stability and even support the insured’s family with loan security, etc.
5. Can I claim my HDFC ERGO personal accident insurance policy outside India?
Yes, accidental causes can be addressed and the benefit of this policy can be availed within and outside India as well.
I was looking for the best health insurance policy. PolicyX came up and eased up my whole task. They suggested HDFC ERGO Optima Secure, it is the best decision ever.
Sunidhi Makkar
Mumbai
April 8, 2024
PolicyX was a great resource when I was shopping for health insurance. Got to know a few insights about the company I hold a policy with, HDFC ERGO.
Harsh Wardhan
Madurai
April 8, 2024
I would extend my gratefulness to the PolicyX team who helped me get the best health insurance policy from HDFC ERGO.
Nipun Walia
Pune
April 8, 2024
Buying HDFC ERGO Health Insurance with the help of PolicyX was the best purchase of my life. Thank you so much team for helping me out.
Prema Singhania
Madurai
April 8, 2024
I am so glad that I got my first Health Insurance policy with the help of PolicyX. I am secure now after getting the HDFC ERGO Health Insurance Plan.
Padma Ray
Bhopal
March 15, 2024
Always wanted to buy a health insurance for myself with my first salary. PolicyX helped me choose the HDFC ERGO My:Health Women Suraksha, specifically made for heathcare needs of women.
Ryan Mukherjee
Coimbatore
March 14, 2024
HDFC ERGO Critical Illness Health Insurance Policy is the best choice of my life. I would like to thank PolicyX and the team for their support.
Nitish Sinha
Allahabad
March 14, 2024
I had a kidney problem, so I chose to buy an HDFC ERGO Critical Illness policy with the help of PolicyX. After completing the waiting period, now I am completely eligible to claim for my medica...
Simran has an experience of 3 years in insurance content writing. She transitioned from hospitality to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner she keeps her audience hooked and solves their doubts smoothly.
