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Optima Lite Health Insurance Plan
HDFC ERGO Optima Lite Health Insurance Plan is an affordable health insurance policy that provides necessary health insurance coverage to i…
- Affordable premiums
- Unlimited restore benefit
- No disease-wise sub-limits
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HDFC ERGO Health Insurance
HDFC ERGO Personal Accident Insurance
Comprehensive health insurance covers road traffic accidents, broken b ...Read More
Up to 2 Cr
Sum insured
1
No. of plans
200+
Pan India presence
95.30%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,716 reviews
🏥 15,000+ hospitals
📊 2.00 solvency ratio
✅ 95.30% claim settlement
About HDFC ERGO Personal Accident Insurance
A quick read on what this HDFC ERGO Health Insurance plan covers and why it might be a fit for you.
The HDFC ERGO Personal Accident Insurance plan offers worldwide coverage and lifelong renewability. A key benefit of this plan is that it does not require any pre-policy medical check-ups.
You can buy an HDFC ERGO accidental insurance policy on an individual or a family floater basis. This allows you to secure yourself and your family members, including elder parents, spouse, and dependent children, under a single plan. The available plan combinations are:
- Self
- Self and family plan
- Self + dependent parents add-on
- Self and family plan + dependent parents add-on
Specialized coverage under this plan includes:
- Accidental injuries
- Accidental Death
- Permanent Disability
- Broken bones
- Burns (even 2nd and 3rd degree)
- Ambulance charges
- Hospital cash
For more details, read further about the eligibility criteria, benefits, inclusions, and exclusions of the personal accident HDFC ERGO health insurance plan.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
18 to 65 years
Plan type
Individual
Sum insured options
₹20 L, ₹50 L, ₹1 L, ₹2 L, ₹5 L, ₹10 L
Waiting period
None
Renewability
N/A
Policy term
1/2/3 years
*Initial Waiting Period is the time 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.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Accidental Death
- Permanent Total Disability
- Broken Bones
- Burns
Cons
- Breach of law
- Pregnancy or childbirth
- Self-inflicted injury
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Covered
- Pre-hospitalization Not covered
- Post-hospitalization Not covered
- Domiciliary hospitalization Not covered
- Day-care treatment Covered
- OPD charges Not covered
- Covid-19 treatment Not covered
- Cataract Not covered
Bonuses & restoration
- No-claim bonus Covered
- Automatic restoration of SI Not covered
- Daily hospital cash Covered
Family & special care
- Maternity cover Not covered
- New-born baby cover Not covered
- IVF treatment Not covered
- AYUSH treatment Not covered
- Organ donor expenses Not covered
Modern & preventive care
- Modern treatment Not covered
- Road ambulance Covered
- Air ambulance Not covered
- E-consultation Not covered
- Health check-up Not covered
- Second medical opinion Not covered
- Vaccination Not covered
Conditions & global
- Co-payment Not applicable
- Sub-limits Not applicable
- Compassionate travel Not covered
- Global coverage Covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
HDFC Ergo Health Insurance plans
Welcome to PolicyX's YouTube Channel - your go-to destination for all things health insurance! Explore into expert insights, comprehensive coverage, and seamless solutions offered by HDFC ERGO.
HDFC ERGO Health Insurance Network Hospital List
HDFC ERGO Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, HDFC ERGO Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Below is a list of standard exclusions or conditions not covered under the HDFC ERGO accident policy:
- Hospitalization due to war, riot, strike, and nuclear weapons
- Intentional self-injury
- AIDS
- Miscarriage and Abortion
- Congenital disease
- Infertility and in vitro fertilization
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Entry Age: 18: 65 years
- Policy Term: 1/2/3 years
- Initial Waiting Period: None
- Sum Insured: 20 L: 10 Cr
Other features & benefits
- Ambulance costs
- Hospital cash
- Lump sum payout benefit
- Air ambulance cover
HDFC ERGO Personal Accident Policy: FAQs
The 5 most-asked questions about HDFC ERGO Personal Accident Insurance, answered.
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.
You can get coverage for your elderly parents by adding them to your policy. The maximum age limit for adding parents is 70 years.
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.
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.
Yes, accidental causes can be addressed and the benefit of this policy can be availed within and outside India as well.
Conclusion
A strong accident insurance plan with global coverage and income support, but it does not replace a
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