HDFC Ergo Personal Accident Insurance

4 / 5 based on 23 User Reviews

HDFC Ergo Personal Accident Insurance Overview

A joint venture between India’s leading Housing Finance Institution, HDFC Ltd and ERGO International AG, the primary insurance entity of Munich Re Group. HDFC Ergo General Insurance Company provides multiple insurance plans like Travel Insurance Plans, Health Insurance Plans, Motor Insurance Plans, Personal Accident Plans, Home Insurance Plans for Individuals and Property, Marine and Liability Insurance plans for the corporate sector too which are tailor made and customer friendly and completely transparent. Now, we will have an overview of HDFC Personal Accident Insurance plans.

Personal Accident Plans plugs an important role in the insurance portfolio of an individual. Firstly, it provides a tremendous financial support to the policy holder if he/she is disabled after an accident resulting to permanent total disability, temporary total disability and even an unfortunate death. Secondly, the enormity or the degree of injuries doesn’t matter; minor injuries are also usually cover dune the plan. HDFC Ergo Personal Accident insurance plans have all encompassing plans which acts as a cushion to cover the risks associated with an accident.

HDFC Ergo has several health insurance plans as well as personal accident plans which forms a comprehensive insurance plans covering all types of risks .

Why HDFC Ergo personal Accident Plans?

Basic benefits are:

  • It’s not only a self insurance plan but a family coverage plan as well. One of the most unique proposition of this plan is parents are also covered
  •  Worldwide coverage.
  • High coverage of Rs 2.5 lakhs to as high as Rs 15 lakhs.
  • All accidental risks are covered like Permanent Disability, dismemberment, Accidental Death or even Broken Bones, Burns, etc are
  • Online purchase and renewal.

Personal Accident Plan

Coverage scope:

  • Accidental Death within 12 months from the date of the accident, then 100% of the sum assured is paid.
  • Permanent Total Disability:This plan will covers 100% of basic sum insured if the person insured sustains bodily injury which is caused due to Accident solely and directly resulting in permanent disablement within 12 months from the date of accident.
  • In Hospital Medical expenses for Accident cases only:  If the insured person sustains bodily injury

and needs to be hospitalized for 24 hours or more as a patient, then the company will reimburse the Usual and Reasonable In Hospital Medical Expenses which is incurred within 12 months from the date of loss to the Total Sum Insured. Usual and Reasonable In Hospital Medical Expenses under this plan would mean charges of semi-private hospital room and board, use of operation theaters, emergency room, ambulance, physician fees, charges for laboratory tests, ambulance services,  prescribed medicine or drugs, therapeutics, artificial limbs, anesthetics, transfusions, x rays, artificial limbs or eyes and prosthetic appliances. Charges for registered nurse are also included under this.

  • Emergency Medical expenses for Accident cases only: If the insured person sustains bodily injury

the company will reimburse the Usual and Reasonable In Hospital Medical Expenses which is incurred within 12 months from the date of loss to the Total Sum Insured. Usual and Reasonable In Hospital Medical Expenses under this plan would mean charges of semi-private hospital room and board, use of operation theaters, emergency room, ambulance, physician fees, charges for laboratory tests, ambulance services,  prescribed medicine or drugs, therapeutics, artificial limbs, anesthetics, transfusions, x rays, artificial limbs or eyes and prosthetic appliances. Charges for registered nurse are also included under this.

  • Emergency Medical Expenses: If the insured person sustains bodily injury or sudden unanticipated sickness, the company will reimburse the Usual and Reasonable In Hospital Medical Expenses ( as stated in two pints above) which is incurred within 12 months from the date of loss to the Total Sum Insured.
  • Hospital Cash: If the insured person sustains bodily injury which directly or indirectly of all other causes resulting to admission of the insured person as an inpatient within in one calendar month from the date of loss, then the company will pay the Daily Benefit to the insured.
  • Hospital Cash and Home Convalescence for Accident cases only: If the insured person sustains bodily injury which directly or indirectly of all other causes resulting to admission of the insured person as an inpatient within in one calendar month from the date of loss, then the company will pay the Daily Benefit to the insured. Further to this, if the physician suggests that recovery can be done at his/her home, then a Daily Home Allowance Benefit is also being provided by the company.
  • Hospital Cash for Accident and Sickness: If the insured person sustains bodily injury which directly or indirectly of all other causes resulting to admission of the insured person as an inpatient within in one calendar month from the date of loss, then the company will pay the Daily Benefit to the insured.
  • Hospital Cash and Home Convalescence for Accident and Sickness: If the insured person sustains bodily injury which directly or indirectly of all other causes resulting to admission of the insured person as an inpatient within in one calendar month from the date of loss, then the company will pay the Daily Benefit to the insured. Further to this, if the physician suggests that recovery can be done at his/her home, then a Daily Home Allowance Benefit is also being provided by the company.
  • Broken Bones: If the insured person sustains bodily injury which directly or indirectly of all other causes resulting to broken bone, then the company will pay as per the laid down schedule of benefits.
  • Burns: If the insured person sustains bodily injury while travelling on a common carrier which directly or indirectly of all other causes resulting in second or third degree burns, then the company will pay the insured the compensation as stated in the schedule of benefits to the total sum insured.
  • Last Rites Cost in case of accident and sickness: If the insured person sustains bodily injury or sickness which directly or indirectly of all other causes resulting in death within one calendar month of the date of loss, then the company will pay the Insured Person’s Beneficiary or the legal representative  to perform the last rites of the Insured Person.
  • In Hospital Surgery Benefit: If during the tenure of the insurance plan, the insured person is hospitalized as a result of bodily injury or Sickness and is charged for any surgical procedure, then the company will pay an amount equal to the costs of the surgical procedure or the amount as stated in the Benefits Table as a percentage of the Total Sum Insured whichever is lesser.
  • Temporary Total Disablement: If the insured person sustains bodily injury which directly and independently of all other cases resulting in Temporary Total Disablement, then the company will pay as stated in the schedule of benefits to the total sum insured.
  • Hostage Release Fees: If the insured person is kidnapped during the tenure f the plan, then the company will pay the fees incurred for a company appointed professional negotiation organization to secure the release of the insured person upto the total sum insured.
  • Assault: If the insured person sustains bodily injury that results in death or permanent disablement as a result of or arising out of assault, then the company will pay the Insured Person’s Beneficiary or the legal representative  the increased percentage of the accidental death or permanent disablement total sum insured as stated in the Benefits Table.
  • Mobility Extension: If the insured person sustains bodily injury which directly and independently of all other cases resulting in Permanent Total Disablement, then the company will pay 95% of the costs of the equipments and the installations.
  • Ambulance Costs: If during the tenure of the insurance plan, the insured person sustains any bodily injury which is life threatening then the company will pay the actual ambulance costs up to the total sum insured.
  • Spouse or Dependent Child Consolation Benefit: The spouse and dependent child are also covered under this plan.
  • Common Accident: If the insured person sustains bodily injury that results in death of the insured person as well as his spouse within 12 months after the date of loss, then the total sum insured payable under the plan for each of the insured person and spouse shall be either the Accidental Death Total Sum Insured applicable to the insured person and Accidental Death Total Sum Insured applicable to the spouse, whichever is greater.

Other benefits or coverages under the plan are as under:

  • Insured person’s counseling benefit.
  • Family Counseling Benefit.
  • Evacuation Benefit.
  • Medical Insurance Premium benefit.
  • Dependent Child Education Benefit.
  • Comatose Benefit for accidents only.
  • Home Tuition Benefit
  • Rehabilitation Benefit
  • Reconstructive Surgery Benefit.
  • Parental Care Benefit.
  • Dependent Child Wedding Benefit.

Various Plans

HDFC Ergo Personal Accident Plan is a plan that allows extending coverage for all the family members including parents which make the policy or plan stand out. One can choose the following options under the same plan:

  • Self Plan.
  • Self and family Plan ( Two dependent children and spouse)
  • Self and Dependents Parents upto 70 years Add On.
  • Self and family Plan together with Dependents Parents Add On.

Eligibility of the plan

Individuals between 18 years to 65 years of age can apply for the Personal Accident Plan.

Sum Insured under the plan

The Sum Insured under this plan ranges from Rs 2.5 lakhs to Rs 15 lakhs.

Claim

  • Within 30 days of the occurrence of the incident, the insurance company should be intimated. Written Notice of Claim must be given to the company immediately in case of death or within 30 days after the date of loss in all other cases.  
  • One can call at the toll free no of company.
  • Claims Service Representative will provide guidance and assistance for the documents. After all the documents are submitted, the total process will be completed within 7 working days.

Documents needed for Accidental Injury Claims

  • Claim form as per Form A.
  • FIR
  • Medical papers, x ray reports.
  • For Permanent Disability – Disability Certificate from the Surgeon or Municipal Hospital.
  • For Temporary Total Disability –Sick leave from the employer.
  • Attending Physician’s statement as per Form D.

Documents needed for Accidental Injury Claims

  • Claim form as per Form A.
  • FIR
  • Medical papers, x ray reports.
  • Doctor’s prescription and line of treatment advised.
  • Bills, receipts and cash memos.
  • Attending Physician’s statement as per Form D.

Exclusions under the plan

  • For Bodily injury or Sickness from Civil or Foreign Wars.
  • For Bodily injury or Sickness aggravated by the insured person knowingly.
  • For Bodily injury or Sickness due to intentional and deliberate exposure to danger
  • Under the influence of drugs, narcotics or alcohol at the time of the accident
  • If the insured person is injured due participating in any sport as a professional player.
  • If the insured person is injured due to riding in a two wheeler of more than 150 cc.
  • If there is any competition which involves utilization of motorized land , water or vehicle and the insured person participates in the same and is injured.
  • For bodily injury while the insured person is travelling by air other than as a fare paying passenger.
  •  For bodily injury which occur due to participating in any criminal act.
  • AIDS/ HIV.
  • For bodily injury which occur due to participation in any violent labour disturbances riot or civil commotion or public disorder.
  • Any pathological Fracture.
  • Treatments of nervous or mental problems.
  • Pre existing diseases.
  • Hazardous Sports.
  • Bodily injury caused as a result of terrorism.
  • If the insured person is injured or fall sick due to venereal or venereal related disease.

HDFC Ergo Personal Accident Insurance - FAQs

1. How to pay premium? What are the modes of payment available?

HDFC ERGO General Insurance offers three modes for payment of premium

  • You can sign a debit mandate at time of signing the policy, thus your premium will be deducted automatically from the bank account
  • By cash or cheque collection and
  • By direct online payment

 2. How can I check policy status for HDFC Ergo personal accident insurance?

The right way to check the status of the policy is from the corporate website. Login into your website with user ID and password, and right-click on the policy number and get the details of the status of it.

 3. What is the policy renewal process for HDFC Ergo personal accident insurance?

If you have filled an auto debit mandate, the policy will be renewed automatically.

Alternatively, renew the policy online by logging into e-Portal  with valid login details. Pay via debit/credit card or Net banking and print you e-Payment receipt.

 4. What is the company’s process to settle claim for HDFC Ergo personal accident insurance?

The company does not usually take more than 3 days for minor theft or accidents. They claim that they will settle all the cases within 7 days. You will have to submit the documents of proof and the claims form to the officer. Upon satisfactory evaluation, the claims amount will be deposited via NEFT in the policyholder’s bank account.

 5. What is the policy cancellation process for HDFC Ergo personal accident insurance?

Cancellation of the policy is possible any time. You will have to go to the site and order for cancellation. You can also put up a mail, After a short documentation process, the policy will be cancelled and you will receive an intimation message.

HDFC Ergo Personal Accident Insurance Reviews

TOTAL REVIEWS (23)
Vijay
Chapra
July 22, 2016

Good

Very good personal accident insurance plan i have which i get from hdfc ergo. Policy premium is normal but the returns are much more than that. The ambulance is facilitate for free of cost and large range of hospitals are providing services 24X7.

Bhavna
Dinanagar
July 07, 2016

Personal Accident Insurance

Personal accident insurance secure my life and lots of money last month. I had an accident, policy provide me ambulance service, good service from hospital too. The whole treatment is done under policy and i recover fast without spending a any rupee. Thanks.

Kanika
Firozpur
June 24, 2016

Nice Insurance

My personal insurance plan is nice with low premium. The policy coverage is high and claims are better. Service facilitate by the executives and staff members of the company is fast and on time. The ambulance is facilitate for free at any location and large number of hospitals makes treatment faster.

Bhasker
Rohtak
June 16, 2016

Fantastic

I purchase personal accident insurance plan. The policy coverage is high ~90% and the claims are good. Service is fast which facilitate by the executives and staff of the company. The number of hospitals is huge and ambulance if facilitate for free. Good investment which insure personal health. Good insurer good policy, happy me.

Nikilesh
Mussorie
June 16, 2016

Perfect

The policy coverage is high ~85% and the claims are good. Premium is low and the payback returns are good. Even the ambulance is facilitate for free and huge number of hospitals are there for fast service. HDFC ERGO general insurance provides me personal accident insurance plan, which is really very good. I like the terms and conditions of the policy. Updates are send timely to my email id.

Manish
Ghaziabad
June 16, 2016

Poor Policy

The hdfc ergo personal accident plan is not good. The premium is high and the returns are less. Ambulance which facilitate may charge for service. Service provided by the staff of the company is bit slow. The internet service is clumpy, interface is not simple. Please improve the services and policy.

Lakshay
Udaipur
June 16, 2016

Coverage Is Good

I have hdfc ergo personal accident plan. The policy is good and the premium is low with huge benefits. The ambulance is facilitate for free of cost to the policy holder. Policy coverage is high and claims are good. The number of hospitals are good which makes the things easy and fast. The updates regarding policy is mailed to my email address regularly.

Kunal
Gautam_buddha_nagar
June 16, 2016

Quality Investment

This plan facilitate many things which others not do. Ambulance provide free pick and drop. Huge number of hospitals are there for fast service. Policy coverage is high ~91% and the premium is low. Claims are high and easy to sanctioned due to fast service provided by the executives and staff members. HDFC ERGO personal accident plan is the best.

Jiten
Meerut
June 16, 2016

Great Deal

I bought personal accident insurance plan. The policy coverage is high and the claims are even better. The service provided by the executives and the staff members is fast and on time. Ambulance is facilitate for free and large number of hospitals are giving good service to policyholder. Great work hdfc ergo general insurance. I like the insurance policy.

Hitesh
Mumbai
June 16, 2016

Damn Good

My friend advice a great policy, So I purchase hdfc ergo personal accident plan. The plan has inbuilt ambulance facility and the large number of hospitals are working for fast and on time service. Policy coverage is high ~89% and the claims are high. Premium is low and returns are huge. I like the policy.

Gautam
Jorhat
June 16, 2016

Superb Plan

The policy I have is hdfc ergo personal accident plan. The policy is good which has low premiums and the policy coverage is high. Service is quick and on time which is given by the company. Huge number of hospitals are working to provide fantastic service. Even the ambulance is facilitate which don't charge. Good investment, updates are send regularly.

David
Mysore
June 16, 2016

High Coverage

I have personal accident plan which I buy from hdfc ergo general insurance. Policy coverage is good and the claims are even better. Service is very fast and given by the executives. Ambulance provide pick and drop without taking any charges. Good investment, Good experience, Good insurance policy.

Saurabh
Jammu
June 16, 2016

Trustworthy

By long searching on internet, finally got the personal accident insurance plan which I buy from hdfc ergo general insurance. The policy coverage is high ~89% and the premium is low as compare to paybacks. Claims are good and easily sanctioned becasue of fast service given by executives. Nice insurance, good job guys.

Akash
Thane
June 16, 2016

Awesome

My personal accident plan is good and i bought it from hdfc ergo general insurance. The policy coverage is high and the premium is low. Policy has inbuilt benefits like ambulance is giving pick and drop service without taking extra charge. The updates regarding policy is mailed to my email address regularly.

Eshant
Mohali
June 16, 2016

Power Plan

HDFC ERGO personal accident plan is one of the best insurance policy. I took it it at very low premium. The policy coverage is high and the claims are even better. Service facilitate by the executives and staff is fast and on time. Ambulance don't charge a single rupee for pick and drop. The large number of hospitals facilitate good service, so no delay in service. I like the insurance policy.

Rahul
Panipat
June 16, 2016

Fair Policy

I have hdfc ergo personal accident plan which satisfy me. Policy coverage and claims are high and the premium is low. Service facilitate by the executive and staff member is fast and on time. The updates regarding policy is send to me regular time of interval. Good investment which secure the future.

Tarun
Haridwar
June 16, 2016

Better Plan

Buy hdfc ergo personal accident plan which has many benefits like ambulance is not charge for ride and the number of hospitals is huge, so the service issues are not possible. Policy coverage is good ~89% and the claims are high. Claiming process is easy due to executives and staff members, they provide good and fast service.

Yashu
Bangalore
June 16, 2016

Wonderful

I purchase personal accident insurance plan. The insurer is hdfc ergo general insurance. The policy coverage is high ~91% and the policy claims are best. Easy to sanctioned the claims due to fast service. The behaviour of the staff and executives is very nice. Good investment good health security.

Umakant
Dwarakanagar
June 16, 2016

Nice Insurance

I purchase personal accident policy plan from hdfc ergo general insurance. The policy coverage is high and the premiums are low. The service facilitate by the executives and staff members is good and fast. Ambulance is facilitate for free and the hospitals are high in number which increase the availability for fast assistance to the policyholders.

Ishant
Coimbatore
June 16, 2016

Fine Insurance Policy

HDFC ERGO personal accident insurance plan I bought at very low premium. The policy coverage is high and the claims are even better. Service is good and fast which facilitate by executives and staff members. The ambulance is providing for both sides for free. Number of hospitals are good, so that many options are there for fast assistance. I like the policy.

Ojasvi
Jaipur
June 16, 2016

Good Service

Recently I purchase hdfc ergo personal accident insurance plan. The policy coverage is high and claims are even better. The premium is low and the payback amount is high. Service is really good provided by the staff of the company. Good number of hospitals and ambulance is facilitate for free of charge. Nice insurance plan.

Prabhjot
Ahmedabad
June 16, 2016

Average Policy

My hdfc ergo personal accident plan is an average insurance policy. The premium is low. The policy coverage is good ~80% and the claims are okay. Service is normal which facilitate by the company staff. The ambulance is facilitate for free and the hospital are good in number. Satisfactory.

Himanshu
Hyderabad
May 13, 2016

Great Policy

HDFC ERGO personal accident insurance plan is the best. I got the plan in very low premiums. The policy coverage is high ~91% and the claims are high too. The service provided by the executives is great. Even the ambulance is facilitate for free to policy holder for both side. Nice plan, I like it.