HDFC ERGO Personal Accident Policy

Overview

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 elderly 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.

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 diseases
• Infertility and in-vitro fertilization