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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:
Specialized coverage under this plan includes:
For more details, read further about the eligibility criteria, benefits, inclusions, and exclusions of the personal accident HDFC ERGO health insurance plan.
| PLAN DETAILS |
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Hdfc Ergo Personal Accident Policy |
Zuno Saral Suraksha Bima Health Insurance |
| Product Type | Individual | Accident Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not covered | Not covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not covered | Not covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Not covered | Not covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Not covered | Not covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Not covered |
| Hospital_network (Number of Hospital Network in city) |
15000 | 10000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not covered | Not covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not covered | Not covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not covered | Not covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not covered | Not covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not applicable | Not applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not applicable | Not applicable |
| Plan Entry Age | 18 to 65 years | 18 years to 70 years |
| Plan Premium Entry Age and S/A | 1145 | 1,600 |
| Plan Waiting Period | None | 00 |
| Plan Coverage | Accidental death benefit, permanent disability cover, temporary disability income, accidental hospitalization cover | Accidental death cover, total disability cover, partial disability cover, hospitalization expenses (add-on) |
| Plan Sample Premium | 1145 | 1,600 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1/2/3 years | 1 year |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Not covered | Not covered |
| Cataract | Not covered | Not covered |
| Automatic Restoration | Not covered | Not covered |
| Ayush Treatment | Not covered | Not covered |
| Modern Treatment | Not covered | Not covered |
| E Consultation | Not covered | Not covered |
| Air Ambulance | Not covered | Not Covered |
| Global Coverage | Covered | Covered |
| Claim Ratio | 95.30 | 98.54 |
| Solvency Ratio | 2.00 | 1.97 |
|
HDFC Ergo Health Insurance plans |
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