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 combinations 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

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.

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.

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
- 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 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.

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Know More About Network Hospital

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

My:Health Women Suraksha Policy

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)

Lifetime renewal
Wellness Incentives
Add-On Coverage

My:Health Women Suraksha Policy (Cons)

Obesity or weight control
Cosmetic surgeries
Maternity cover
Change of gender treatment

My:Health Women Suraksha Policy (Other Benefits)

Post Diagnosis Support
Cancer Cover
Major Illness Cover
Surgical Procedure
Critical Illness Cover

My:Health Women Suraksha Policy (Eligibility Criteria)

Entry age: 18 to 65 years
Sum insured: 1 Lakh to 1 Crore
Policy term: 1/2/3 years

Individual and Family Health Insurance

HDFC ERGO Arogya Sanjeevani Policy

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)

Pre and post-hospitalization
Doctor consultation
AYUSH treatment
Preventive health check-ups

HDFC ERGO Arogya Sanjeevani Policy (Cons)

Maternity expenses
Daily hospital cash
Modern treatment
Organ donor cover

HDFC ERGO Arogya Sanjeevani Policy (Other Benefits)

Family floater cover
SI upto 10 Lakhs
Lifelong renewability

HDFC ERGO Arogya Sanjeevani Policy (Eligibility Criteria)

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

HDFC ERGO Optima Secure Global Plan

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)

Pre and post-hospitalisation
Organ donor expenses
AYUSH treatment

HDFC ERGO Optima Secure Global Plan (Cons)

Modern treatment
Vaccination unavailable
Maternity and newborn baby cover
Cataract cover

HDFC ERGO Optima Secure Global Plan (Other Benefits)

E-opinion for 51 critical illnesses
Add-on covers
Overseas travel secure

HDFC ERGO Optima Secure Global Plan (Eligibility Criteria)

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 Optima Secure Plan

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)

Hospital Cash Benefit
No Cost Instalment Option
Restore Benefit
Unlimited Restore

HDFC ERGO Optima Secure Plan (Cons)

Maternity cover NA
Newborn care unavailable
OPD cover unavailable

HDFC ERGO Optima Secure Plan (Other Benefits)

Aggregate deductible discounts
Disposables & consumables cover
Worldwide cover

HDFC ERGO Optima Secure Plan (Eligibility Criteria)

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

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 moment...

Unique Features

Worldwide coverage
No pre-policy medicals
Lifelong renewability

HDFC ERGO Personal Accident Insurance (Pros)

Accidental Death
Permanent Total Disability
Broken Bones
Burns

HDFC ERGO Personal Accident Insurance (Cons)

Breach of law
Pregnancy or childbirth
Self-inflicted injury

HDFC ERGO Personal Accident Insurance (Other Benefits)

Ambulance costs
Hospital cash
Lump sum payout benefit
Air ambulance cover

HDFC ERGO Personal Accident Insurance (Eligibility Criteria)

Entry Age: 18 - 65 years
Policy Term: 1/2/3 years
Initial Waiting Period: None
Sum Insured: 20 L - 10 Cr

Critical Illness Health Insurance

iCan Cancer Insurance Plan

iCan Cancer Insurance is a cancer-specific plan offered by HDFC Health Insurance Company. The plan covers medical expenses incurred during the treatme...

Unique Features

Key Features
Eligibility & Exclusions
iCan Cancer Plan Sample Premiums

iCan Cancer Insurance Plan (Pros)

Cancer cover
In-patient hospitalization
Ambulance cover

iCan Cancer Insurance Plan (Cons)

Maternity cover
Newborn cover
Organ donor cover
Global coverage

iCan Cancer Insurance Plan (Other Benefits)

COVID-19 cover
Pre and post-hospitalization
ICU charges

iCan Cancer Insurance Plan (Eligibility Criteria)

Entry age: 5 to 65 years
POlicy term: 1 year
Initial waiting period: 120 days

Individual and Family Health Insurance

My:Health Suraksha Smart Plan

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)

Air ambulance cover
Recovery benefit
Infertility cover

My:Health Suraksha Smart Plan (Cons)

Vaccination cover unavailable
Second medical opinion not available
Maternity cover
Newborn baby cover

My:Health Suraksha Smart Plan (Other Benefits)

Family discount
Long-term policy discount
Loyalty discount

My:Health Suraksha Smart Plan (Eligibility Criteria)

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 Energy Diabetes Plan

HDFC ERGO Health Insurance offers an Energy Diabetes plan which is ideal for those who are suffering from diabetes Type 1, diabetes mellitus Type 2, p...

Unique Features

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

HDFC ERGO Energy Diabetes Plan (Pros)

Personal health coach
Rewards for premium discount
Diabetes and Hypertesion cover

HDFC ERGO Energy Diabetes Plan (Cons)

ICU cover unavailable
AYUSH treatment
OPD not covered
Domiciliary treatment unavailable

HDFC ERGO Energy Diabetes Plan (Other Benefits)

Organ donor cover
Ambulance services
Pre & post-hospitalization cover

HDFC ERGO Energy Diabetes Plan (Eligibility Criteria)

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 Wallet Family Floater

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)

Inpatient and outpatient cover
OPD cover
Domiciliary hospitalization

HDFC ERGO Health Wallet Family Floater (Cons)

Air ambulance
E-consultations
Health check-up
Modern treatment cover

HDFC ERGO Health Wallet Family Floater (Other Benefits)

Global coverage
Daycare procedures
Health check-up
Vaccination charges

HDFC ERGO Health Wallet Family Floater (Eligibility Criteria)

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

My Health Medisure 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)

Day care procedures
High sum insured
6 Hours response guarantee

My Health Medisure Super Top Up (Cons)

Adventure sport injuries
Self-inflicted injuries
War

My Health Medisure Super Top Up (Other Benefits)

Deductibles offered
Covers family members
Versatile plan

My Health Medisure Super Top Up (Eligibility Criteria)

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 Plan

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)

Air ambulance
OPD cover
Domiciliary hospitalization
Emergency global coverage

HDFC ERGO Koti Suraksha Plan (Cons)

Vaccination not covered
Modern treatment unavailable
Maternity & newborn baby care unavailable

HDFC ERGO Koti Suraksha Plan (Other Benefits)

In-patient hospitalization
Daycare procedures
Health check-up cover

HDFC ERGO Koti Suraksha Plan (Eligibility Criteria)

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

Optima Restore Plan

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 family un...

Unique Features

Recovery benefit
SI restoration
Waiting period reduction

Optima Restore Plan (Pros)

Restore benefit
2X Multiplier benefit
Renewal discounts

Optima Restore Plan (Cons)

AYUSH not covered
OPD cover unavailable
Global health cover

Optima Restore Plan (Other Benefits)

Recovery benefits
Organ donor cover
In-patient and out-patient hospitalization

Optima Restore Plan (Eligibility Criteria)

Entry Age: 18 - 65 Years
Sum Insured: 3 | 5 | 10 | 15 | 20 | 25 | 50L
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.

HDFC ERGO Personal Accident Insurance

HDFC ERGO Personal Accident Insurance Specifications

Entry Age

Policy Type

Sum Insured

Initial Waiting Period*

Renewability

Policy Term

Benefits of HDFC ERGO Personal Accident Insurance

Accidental Death

Permanent Total Disability

Broken Bones

Burns

Ambulance costs

Hospital Cash

Tax Benefits

Specification (Inclusions): HDFC ERGO Individual Personal Accident Insurance Plan

Essential

Advanced

Elite

Recommended Videos

HDFC ERGO Health Insurance Network Hospital List

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Exclusions: HDFC ERGO Personal Accident Insurance Plan

Permanent Exclusions

Explore other HDFC ERGO Health Insurance

My:Health Women Suraksha Policy (Pros)

My:Health Women Suraksha Policy (Cons)

My:Health Women Suraksha Policy (Other Benefits)

My:Health Women Suraksha Policy (Eligibility Criteria)

HDFC ERGO Arogya Sanjeevani Policy (Pros)

HDFC ERGO Arogya Sanjeevani Policy (Cons)

HDFC ERGO Arogya Sanjeevani Policy (Other Benefits)

HDFC ERGO Arogya Sanjeevani Policy (Eligibility Criteria)

HDFC ERGO Optima Secure Global Plan (Pros)

HDFC ERGO Optima Secure Global Plan (Cons)

HDFC ERGO Optima Secure Global Plan (Other Benefits)

HDFC ERGO Optima Secure Global Plan (Eligibility Criteria)

HDFC ERGO Optima Secure Plan (Pros)

HDFC ERGO Optima Secure Plan (Cons)

HDFC ERGO Optima Secure Plan (Other Benefits)

HDFC ERGO Optima Secure Plan (Eligibility Criteria)

HDFC ERGO Personal Accident Insurance (Pros)

HDFC ERGO Personal Accident Insurance (Cons)

HDFC ERGO Personal Accident Insurance (Other Benefits)

HDFC ERGO Personal Accident Insurance (Eligibility Criteria)

iCan Cancer Insurance Plan (Pros)

iCan Cancer Insurance Plan (Cons)

iCan Cancer Insurance Plan (Other Benefits)

iCan Cancer Insurance Plan (Eligibility Criteria)

My:Health Suraksha Smart Plan (Pros)

My:Health Suraksha Smart Plan (Cons)

My:Health Suraksha Smart Plan (Other Benefits)

My:Health Suraksha Smart Plan (Eligibility Criteria)

HDFC ERGO Energy Diabetes Plan (Pros)

HDFC ERGO Energy Diabetes Plan (Cons)

HDFC ERGO Energy Diabetes Plan (Other Benefits)

HDFC ERGO Energy Diabetes Plan (Eligibility Criteria)

HDFC ERGO Health Wallet Family Floater (Pros)

HDFC ERGO Health Wallet Family Floater (Cons)

HDFC ERGO Health Wallet Family Floater (Other Benefits)

HDFC ERGO Health Wallet Family Floater (Eligibility Criteria)

My Health Medisure Super Top Up (Pros)

My Health Medisure Super Top Up (Cons)

My Health Medisure Super Top Up (Other Benefits)

My Health Medisure Super Top Up (Eligibility Criteria)

HDFC ERGO Koti Suraksha Plan (Pros)

HDFC ERGO Koti Suraksha Plan (Cons)

HDFC ERGO Koti Suraksha Plan (Other Benefits)

HDFC ERGO Koti Suraksha Plan (Eligibility Criteria)

Optima Restore Plan (Pros)