HDFC Ergo Personal Accident
HDFC Ergo Personal Accident
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HDFC ERGO Personal Accident

HDFC ERGO is a private general insurance company, which is a joint venture between HDFC and ERGO International AG. The insurance company offers various types of products including health, motor, travel, personal accident, and others to its customers. It has 120+ branches in 106+ cities with 3000+ employees across the country. It has been assigned an iAAA rating by ICRA for its highest claim paying ability.

To meet the financial expenses resulting from injuries/death caused due to accidents, the insurance company has come up with HDFC ERGO Personal Accident Insurance that offers complete financial support to the insured and his/her family.

HDFC ERGO Personal Accident Insurance

The HDFC ERGO Personal Accident Insurance offers lump-sum compensation to cover accidental medical expenditure caused by injuries/death.

Features of HDFC ERGO Personal Accident Insurance

Some of the important features of the HDFC ERGO Personal Accident are mentioned below:

  • The insurance policy offers worldwide coverage to its policyholders.
  • Policyholders have the option to cover their families under one single policy.
  • You can renew your insurance policy lifelong without any age limit restriction.
  • Individuals are not restricted to go for medical check-ups.
  • The insurance policy offers compensation (based on the sum insured) if the insured encounters 2nd degree or 3rd-degree burns due to an accident.
  • Ambulance costs are covered.
  • A daily cash allowance is offered by the insurer if accidental injuries lead to hospitalization.
  • The company offers great discounts for long-term policies.

Eligibility

Policyholders are covered by this policy from 18-65 years and their parents are covered up to 70 years.

How can I buy HDFC ERGO Personal Accident Insurance?

HDFC ERGO Personal Accident insurance can be purchased by visiting the nearest branch of HDFC ERGO. You are required to take all the relevant documents and ask for a customer representative at the branch. (S)he will guide you through the formalities.

How to file a claim for HDFC ERGO Personal Accident Insurance?

Mentioned below is the step-to-step guide to file a claim for HDFC ERGO Personal Accident Insurance online:

Step 1: Visit the official website of HDFC ERGO.

Step 2: Click 'Claim' given on the webpage.

Step 3: Tap on 'Personal Accident' and then click on 'Register Claim'.

Step 4: Enter your policy number/mobile number/email id and click 'GO'.

Step 5: After this, you will receive OTP for verification on your registered mobile number.

Step 6: Enter your details and attach the relevant documents.

Step 7: The concerned authority will go through all the documents and verify them.

Step 8: Post verification, the insurance company will transfer the amount to the registered account.

How can I renew my HDFC ERGO Personal Accident Insurance?

You can renew your personal accident policy instantly by following the below-mentioned steps:

  • Visit the official website of HDFC ERGO and click 'Renew'.
  • Enter your policy number/mobile number/email id and click 'Renew Now'
  • Check all the policy details.
  • Make payment and save the receipt after you get payment confirmation on your registered email id and mobile number.

Frequently Asked Questions

The policy will start within 15 days from the date of completion of the form and premium payment.

Mentioned below are some of the exclusions under the HDFC ERGO Personal Accident policy:

  • Intentional self-injury, suicide, or attempted suicide.
  • Whilst under the influence of intoxicating liquor or drugs.
  • Loss directly or indirectly caused by venereal disease or insanity.
  • Death or injury due to war, invasion, the act of a foreign enemy, hostilities, or civil war.
  • Treatment of cosmetic or obesity surgery.

The insurance company will pay 10% of the sum insured (maximum up to Rs.50,000) for dependent parents if an accident results in broken bones.

Last updated on 13-10-2020