HDFC ERGO Personal Accident Insurance
  • Worldwide coverage
  • No pre-policy medicals
  • Lifelong renewability
HDFC ERGO Personal Accident Policy
premium

Network hospitals

12000+

premium

Incurred claim ratio

79.04%%

premium

Sum insured

Up to 2 Cr

premium

No. of Plans

1

premium

Solvency Ratio

1.7

premium

Pan India Presence

200+

Customized Health Insurance Plan for you.

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HDFC ERGO Personal Accident Insurance

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.

HDFC ERGO Personal Accident Insurance Specifications

To understand HDFC ERGO Personal Accident Insurance Insurance in detail, take a look at the below table:

Entry Age

18 to 65 years

Policy Type

Individual

Sum Insured

20 L | 50 L | 1 Cr | 2 Cr | 5 Cr | 10 Cr

Initial Waiting Period*

None Days

Renewability

NA

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.

Read more specifications in the brochure.

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.

  1. 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
  2. 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
  3. 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
    • 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
    • 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

HDFC ERGO Personal Accident Insurance Network Hospital List

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.

Exclusions: HDFC ERGO Personal Accident Insurance Plan

Permanent Exclusions

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

Explore other HDFC ERGO Health Insurance

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

  • Cancer Cover
  • Assault And Burn Cover
  • 41 Critical Illness Cover

My:Health Women Suraksha Policy (Pros)

My:Health Women Suraksha Policy
  • Lifetime renewal
  • Wellness Incentives
  • Add-On Coverage

My:Health Women Suraksha Policy (Cons)

My:Health Women Suraksha Policy
  • Obesity or weight control
  • Cosmetic surgeries
  • Maternity cover
  • Change of gender treatment

My:Health Women Suraksha Policy (Other Benefits)

My:Health Women Suraksha Policy
  • Post Diagnosis Support
  • Cancer Cover
  • Major Illness Cover
  • Surgical Procedure
  • Critical Illness Cover

My:Health Women Suraksha Policy (Eligibility Criteria)

My:Health Women Suraksha Policy
  • Entry age: 18 to 65 years
  • Sum insured: 1 Lakh to 1 Crore
  • Policy term: 1/2/3 years

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

  • 3 plan variants
  • Double coverage
  • E-opinion on critical illnesses

HDFC ERGO Arogya Sanjeevani Policy (Pros)

HDFC ERGO Arogya Sanjeevani Policy
  • Pre and post-hospitalization
  • Doctor consultation
  • AYUSH treatment
  • Preventive health check-ups

HDFC ERGO Arogya Sanjeevani Policy (Cons)

HDFC ERGO Arogya Sanjeevani Policy
  • Maternity expenses
  • Daily hospital cash
  • Modern treatment
  • Organ donor cover

HDFC ERGO Arogya Sanjeevani Policy (Other Benefits)

HDFC ERGO Arogya Sanjeevani Policy
  • Family floater cover
  • SI upto 10 Lakhs
  • Lifelong renewability

HDFC ERGO Arogya Sanjeevani Policy (Eligibility Criteria)

HDFC ERGO Arogya Sanjeevani Policy
  • Min. Entry Age - 18 Years
  • Max. Entry Age - 65 Years
  • Si - Up to 10 L
  • Initial Waiting Period - 30 Days

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

  • India & Worldwide Coverage
  • High SI up to 2 Crores
  • Aggregate Deductible Discounts

HDFC ERGO Optima Secure Global Plan (Pros)

HDFC ERGO Optima Secure Global Plan
  • Pre and post-hospitalisation
  • Organ donor expenses
  • AYUSH treatment

HDFC ERGO Optima Secure Global Plan (Cons)

HDFC ERGO Optima Secure Global Plan
  • Modern treatment
  • Vaccination unavailable
  • Maternity and newborn baby cover
  • Cataract cover

HDFC ERGO Optima Secure Global Plan (Other Benefits)

HDFC ERGO Optima Secure Global Plan
  • E-opinion for 51 critical illnesses
  • Add-on covers
  • Overseas travel secure

HDFC ERGO Optima Secure Global Plan (Eligibility Criteria)

HDFC ERGO Optima Secure Global Plan
  • Entry age: 18 to 65 years
  • Sum insured: 1 to 2 Crore
  • Initial Waiting Period 30 Days
  • Policy Term: 1/2/3 Years

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

  • 3 plan variants
  • Double coverage
  • E-opinion on critical illnesses

HDFC ERGO Optima Secure Plan (Pros)

HDFC ERGO Optima Secure Plan
  • Hospital Cash Benefit
  • No Cost Instalment Option
  • Restore Benefit
  • Unlimited Restore

HDFC ERGO Optima Secure Plan (Cons)

HDFC ERGO Optima Secure Plan
  • Maternity cover NA
  • Newborn care unavailable
  • OPD cover unavailable

HDFC ERGO Optima Secure Plan (Other Benefits)

HDFC ERGO Optima Secure Plan
  • Aggregate deductible discounts
  • Disposables & consumables cover
  • Worldwide cover

HDFC ERGO Optima Secure Plan (Eligibility Criteria)

HDFC ERGO Optima Secure Plan
  • Entry age: 18 years to no max limit
  • SI: 5 Lakhs to 2 Crore
  • Policy term: 1/2/3 years
  • Initial waiting period: 30 days

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

  • Worldwide coverage
  • No pre-policy medicals
  • Lifelong renewability

HDFC ERGO Personal Accident Insurance (Pros)

HDFC ERGO Personal Accident Insurance
  • Accidental Death
  • Permanent Total Disability
  • Broken Bones
  • Burns

HDFC ERGO Personal Accident Insurance (Cons)

HDFC ERGO Personal Accident Insurance
  • Breach of law
  • Pregnancy or childbirth
  • Self-inflicted injury

HDFC ERGO Personal Accident Insurance (Other Benefits)

HDFC ERGO Personal Accident Insurance
  • Ambulance costs
  • Hospital cash
  • Lump sum payout benefit
  • Air ambulance cover

HDFC ERGO Personal Accident Insurance (Eligibility Criteria)

HDFC ERGO Personal Accident Insurance
  • Entry Age: 18 - 65 years
  • Policy Term: 1/2/3 years
  • Initial Waiting Period: No waiting period for accidental claims
  • Sum Insured: 20 L - 10 Cr

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

  • Key Features
  • Eligibility & Exclusions
  • iCan Cancer Plan Sample Premiums

iCan Cancer Insurance Plan (Pros)

iCan Cancer Insurance Plan
  • Cancer cover
  • In-patient hospitalization
  • Ambulance cover

iCan Cancer Insurance Plan (Cons)

iCan Cancer Insurance Plan
  • Maternity cover
  • Newborn cover
  • Organ donor cover
  • Global coverage

iCan Cancer Insurance Plan (Other Benefits)

iCan Cancer Insurance Plan
  • COVID-19 cover
  • Pre and post-hospitalization
  • ICU charges

iCan Cancer Insurance Plan (Eligibility Criteria)

iCan Cancer Insurance Plan
  • Entry age: 5 to 65 years
  • POlicy term: 1 year
  • Initial waiting period: 120 days

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

  • Key Features
  • Eligibility & Age Restrictions
  • Types of My:Health Suraksha Smart Plans

My:Health Suraksha Smart Plan (Pros)

My:Health Suraksha Smart Plan
  • Air ambulance cover
  • Recovery benefit
  • Infertility cover

My:Health Suraksha Smart Plan (Cons)

My:Health Suraksha Smart Plan
  • Vaccination cover unavailable
  • Second medical opinion not available
  • Maternity cover
  • Newborn baby cover

My:Health Suraksha Smart Plan (Other Benefits)

My:Health Suraksha Smart Plan
  • Family discount
  • Long-term policy discount
  • Loyalty discount

My:Health Suraksha Smart Plan (Eligibility Criteria)

My:Health Suraksha Smart Plan
  • Entry age: 18 years to no age limit
  • Sum insured: 3 to 75 Lakhs
  • Policy term: 1/2/3 years
  • Initial waiting period: 30 days

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

  • Personalized health coach option
  • Get rewards to reduce your premiums
  • Diabetes-Hypertension without waiting period

HDFC ERGO Energy Diabetes Plan (Pros)

HDFC ERGO Energy Diabetes Plan
  • Personal health coach
  • Rewards for premium discount
  • Diabetes and Hypertesion cover

HDFC ERGO Energy Diabetes Plan (Cons)

HDFC ERGO Energy Diabetes Plan
  • ICU cover unavailable
  • AYUSH treatment
  • OPD not covered
  • Domiciliary treatment unavailable

HDFC ERGO Energy Diabetes Plan (Other Benefits)

HDFC ERGO Energy Diabetes Plan
  • Organ donor cover
  • Ambulance services
  • Pre & post-hospitalization cover

HDFC ERGO Energy Diabetes Plan (Eligibility Criteria)

HDFC ERGO Energy Diabetes Plan
  • Entry age: 18 to 65 years
  • Policy term: 1 year
  • Initial waiting period: 30 days
  • Sum insured: 2 to 50 L

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

  • Worldwide Emergency Care
  • Avail 6% interest on un-used SI
  • Cashless Homecare treatment

HDFC ERGO Health Wallet Family Floater (Pros)

HDFC ERGO Health Wallet Family Floater
  • Inpatient and outpatient cover
  • OPD cover
  • Domiciliary hospitalization

HDFC ERGO Health Wallet Family Floater (Cons)

HDFC ERGO Health Wallet Family Floater
  • Air ambulance
  • E-consultations
  • Health check-up
  • Modern treatment cover

HDFC ERGO Health Wallet Family Floater (Other Benefits)

HDFC ERGO Health Wallet Family Floater
  • Global coverage
  • Daycare procedures
  • Health check-up
  • Vaccination charges

HDFC ERGO Health Wallet Family Floater (Eligibility Criteria)

HDFC ERGO Health Wallet Family Floater
  • Entry age: 18 to 65 years
  • Initial waiting period: 30 days
  • Sum insured: 3 to 50 Lakhs
  • Policy term: 1/2/3 years

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

  • Plan Specifications
  • Key Features & Benefits
  • Quick Buying And Claim Process

My Health Medisure Super Top Up (Pros)

My Health Medisure Super Top Up
  • Day care procedures
  • High sum insured
  • 6 Hours response guarantee

My Health Medisure Super Top Up (Cons)

My Health Medisure Super Top Up
  • Adventure sport injuries
  • Self-inflicted injuries
  • War

My Health Medisure Super Top Up (Other Benefits)

My Health Medisure Super Top Up
  • Deductibles offered
  • Covers family members
  • Versatile plan

My Health Medisure Super Top Up (Eligibility Criteria)

My Health Medisure Super Top Up
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 20 L

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

  • High sum insured
  • Health and wellness plan
  • Emergency worldwide coverage

HDFC ERGO Koti Suraksha Plan (Pros)

HDFC ERGO Koti Suraksha Plan
  • Air ambulance
  • OPD cover
  • Domiciliary hospitalization
  • Emergency global coverage

HDFC ERGO Koti Suraksha Plan (Cons)

HDFC ERGO Koti Suraksha Plan
  • Vaccination not covered
  • Modern treatment unavailable
  • Maternity & newborn baby care unavailable

HDFC ERGO Koti Suraksha Plan (Other Benefits)

HDFC ERGO Koti Suraksha Plan
  • In-patient hospitalization
  • Daycare procedures
  • Health check-up cover

HDFC ERGO Koti Suraksha Plan (Eligibility Criteria)

HDFC ERGO Koti Suraksha Plan
  • Entry age: 18 to 65 years
  • Sum insured: 50 Lakhs & 1 Crore
  • Waiting period: 30 days
  • Policy term: 1/2/3 years

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

  • Get recovery benefit
  • 100% SI restoration
  • 1 year waiting period reduction

HDFC ERGO Optima Restore Plan (Pros)

HDFC ERGO Optima Restore Plan
  • Restore benefit
  • 2X Multiplier benefit
  • Renewal discounts

HDFC ERGO Optima Restore Plan (Cons)

HDFC ERGO Optima Restore Plan
  • AYUSH not covered
  • OPD cover unavailable
  • Global health cover

HDFC ERGO Optima Restore Plan (Other Benefits)

HDFC ERGO Optima Restore Plan
  • Recovery benefits
  • Organ donor cover
  • In-patient and out-patient hospitalization

HDFC ERGO Optima Restore Plan (Eligibility Criteria)

HDFC ERGO Optima Restore Plan
  • Entry Age Min: Adult: 91 Days | Child: 91 Days
  • Entry Age Max: Adult: 65 Years | Child: 5 Years
  • Sum Insured: 3 | 5 | 10 | 15 | 20 | 25 | 50 Lakhs
  • Initial Waiting Period: 30 Days

HDFC ERGO Personal Accident Policy: FAQs

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.

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Simran Nirala

Written By: Simran Nirala

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.