Network hospitals
12000+
Incurred claim ratio
79.04%%
Sum insured
Up to 2 Cr
No. of Plans
1
Solvency Ratio
1.7
Pan India Presence
200+
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:
The specialized coverage under this plan includes:
Read further the eligibility criteria, benefits, inclusions and exclusions of the personal accident HDFC ERGO health insurance plan.
To understand HDFC ERGO Personal Accident Insurance Insurance in detail, take a look at the below table:
18 to 65 years
Individual
20 L | 50 L | 1 Cr | 2 Cr | 5 Cr | 10 Cr
None Days
NA
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.
Read more specifications in the brochure.
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:
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.
HDFC ERGO Personal Accident Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, HDFC ERGO Personal Accident Insurance ensures that you are medically secured, irrespective of the city you reside in.
Read below the list of standard exclusions or the conditions that are not covered under the HDFC ERGO accident policy:
Hospitalization out of war, riot, strike, and nuclear weapons
Intentional self-injury
AIDS
Miscarriage, and Abortion
Congenital disease
Infertility and in vitro fertilization
To cater to the different medical needs of an individual & their family, HDFC ERGO Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to HDFC ERGO Health Insurance plans explore more:
Women Health Insurance
HDFC My: Health Women Suraksha is a comprehensive policy that is designed to cater to the evolving needs of health and well-being of today's women. T...
Unique Features
Individual and Family Health Insurance
The Arogya Sanjeevani Policy from HDFC ERGO is a basic plan designed for individual or family floater coverage. It provides you with the precise medic...
Unique Features
Individual and Family Health Insurance
Are you sceptical about finding the best health insurance plan that protects you and your family under one roof? Read further to learn about the exclu...
Unique Features
Individual and Family Health Insurance
HDFC ERGO My:Optima Secure health insurance plan offers value that you might require in future to fight against medical discrepancies. Providing you a...
Unique Features
Individual
Accidental deaths or injuries can be devastating, it can attack your physical, emotional, mental, and financial status to ruin your happy life moment...
Unique Features
Critical Illness Health Insurance
iCan Cancer Insurance is a cancer-specific plan offered by HDFC ERGO Health Insurance Company. The plan covers medical expenses incurred during the tr...
Unique Features
Individual and Family Health Insurance
HDFC ERGO Health Suraksha Plan is a comprehensive plan from the house of HDFC ERGO Insurance Company that aims at providing 360-degree protection agai...
Unique Features
Individual
HDFC ERGO Health Insurance offers an Energy Diabetes plan which is ideal for those who are suffering from diabetes Type 1, diabetes mellitus Type...
Unique Features
Individual and Family Health Insurance
HDFC ERGO Health Insurance's Health Wallet plan by HDFC ERGO Health Insurance is a comprehensive health insurance plan that not only ensures your heal...
Unique Features
Top Up and Super Top Up
HDFC Ergo super top-up plan is the best option by HDFC Ergo to ensure a cushion of ample cover to get the best medical treatment without any restricti...
Unique Features
Individual and Family Health Insurance
HDFC ERGO Koti Suraksha is a health insurance plan that provides a sum insured of up to INR 1 crore. Koti Suraksha Plan by the HDFC ERGO Insurance Com...
Unique Features
Individual and Family Health Insurance
HDFC ERGO Optima Restore Policy is the best-selling plan of HDFC ERGO since its launch. It offers comprehensive health cover to you and your fami...
Unique Features
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.
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Lives In: Delhi, NCR Expertise: Health & Term Insurance Simran has an experience of 4 years in content writing. She transitioned from hospitality and digital marketing 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.
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