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HDFC Ergo Health Personal Accident Plan

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HDFC ERGO Individual Personal Accident Plan Summary

Individual Personal Accident Insurance is an accidental plan of HDFC ERGO which comes with a maximum of 30 beneficial coverage. It provides financial protection in case you suffer from any accidental misfortune.

Individual accidental plan can protect you and your family against huge financial losses occurring due to an accident. You will surely receive an assured amount in case of any such unfortunate incident. In every plan of Individual Personal Accident, Accidental death and disability shall be covered along with other riders which are available with enhanced premium. In this, you have three plan options with different benefits based on their coverage amount. 

Essential: This plan comes with sum-insured ranging from 20 lacs to 1 crore
Advanced: This plan comes with sum-insured ranging from 1 crore to 2.5 crores
Elite: This plan comes with sum-insured ranging from 2.5 crore to 10 crores

 
Plan Name HDFC ERGO Individual Personal Accident Plan
Policy type Personal Accidental Plan
UIN HDHHLIP21346V042021
 

Key Features of HDFC Ergo Individual Personal Accident Plan

  • Option to choose coverage for 11 benefits (Essential), 21 benefits (Advance) 27 benefits (Elite).
  • 100% payout of sum insured in case of accidental death and permanent disabilities.
  • Compensation in case of loss of income due to an accident also called Temporary Total Disability (TTD).
  • Financial assistance in the form of a loan protect up to your sum insured.
  • OPD accidental benefits are covered in this plan

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Eligibility Criteria in HDFC Ergo Individual Personal Accident Policy

Minimum years Minimum years Maximum years
Policyholder 18 69
Dependent adult 18 69
Child dependent 91 days 25
 

Benefits in HDFC Ergo Individual Personal Accident Policy

Accidental death: When insured dies because of an accident, the complete sum insured will be transferred to the nominee as ‘death benefit’. 

Hospitalization daily cash: Lump Sum payment done for each day of accident hospitalization.

Accident in-patient hospitalization: Insured will get his expenses reimbursed in case of 24 hours hospitalization because of an accident. Apart from this 30 days of pre-hospitalization expenses and 60 days of post hospitalization expenses shall be covered along with day care procedures.

Restore benefit: 100% of the amount shall be added back to your sum-insured, In case, you have exhausted your coverage amount or have used it partially in that particular tenure. Let us say you have a cover of 20 lakhs and have exhausted it completely because of an accident. In this case the total utilized amount will be added back and will reset your sum insured. Similarly it goes with partial utilization of sum-insured.

Adventure sports: In such cases, payment shall be made in accordance with accidental death or permanent total disability.This is applicable only if the insured person is indulged in adventure sports in a non professional activity and has done it under someone’s supervision or trainer.

Broken bones: A lump sum amount shall be disbursed in case of fractured bones because of an accident. That particular amount shall be based on a predefined percentage of sum-insured.

Burns: A lump sum amount shall be disbursed considering the severity of burns on the insured. That particular amount shall be based on a predefined percentage of sum-insured.

Education fund: This is applicable in case of accidental death or permanent total disability of the insured. Lump Sum payment of sum-insured shall be paid by the company for the dependent children. The assured amount shall be mentioned in the below table according to the respective plan option.

Transportation expenses: In this benefit, one immediate family member can get transportation benefits. He/She can go to the hospital where the insured person has been admitted following the accident and the transportation expenses will be reimbursed by the company.

Loan Secure: This benefit provides financial protection to the insured in the form of loan protection. The principal loan amount shall be paid from the sum insured in case of accidental death or permanent total disability. This feature will not cover any kind of penalties levied by the bank or financial institutions. This feature can be availed on additional sum insured.

Residence/vehicle alteration: This feature helps in modification of residential accommodation or vehicle. This happens in case of the insured's permanent total disability and the particular amount gets reimbursed. The assured amount will be mentioned in the below table. 

Permanent total disablement: Lump Sum payment will be provided on the predefined percentage of your sum-insured. It will completely depend on the severity of the disability caused by the accident.

Permanent partial disablement: Lump Sum payment will be provided on the predefined percentage of your sum-insured. It will completely depend on the severity of the disability caused by the accident.

Transportation of mortal remains: In this benefit expenses incurred for transporting the mortal remains from the place of accident to the burial ground or till the residence of the insured will be covered. The respective expenses shall be borne by the company, it also depends on the plan which you can refer to from the below table.

Temporary total disablement:  A compensation is given to the insured in the form of income, in case the person is not able to work due to his/her disability for a particular period. 

Emergency road ambulance cover: The company shall reimburse the expenses incurred for moving the insured person to the hospital following an accident by road ambulance. Amount related details are mentioned in the table below.

Lets understand this with the following example:

Mr. Sudhir is 32 years old and wishes to buy an Individual Personal Accident Plan of HDFC ERGO. The Benefits can be understood by this chart. Mr. Sudhir is 32 years old and wishes to buy an Individual Personal Accident Plan of HDFC ERGO. The Benefits can be understood by this chart.
 
# Benefits Essential Advanced Elite
1 Accidental death 20 lacs to 1 cr 1 cr to 2.5 cr  
2 Permanent total disability      
3 Permanent partial disability      
4 Education fund      
5 Broken bones      
6 Burns benefit      
7 Total temporary disablement      
8 Loan secure      
9 Modification of residence/vehicle      
10 Family transportation      
11 Transportation of mortal remains      
12        
13        
14        

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Exclusions in HDFC Ergo Individual Personal Accident Plan

These are the things which will not be covered in your accidental plan
  • Suicide or attempt to suicide, intake of intoxicants i.e drugs and alchohol causing hallucination.
  • Getting injured due to adventure sports without having that particular cover.
  • Sexually transmitted diseases.
  • If the person breaks the law with criminal intent.
  • If the person takes part in a war, a rebellion, taking part in revolutionary movements, military or usurped acts, getting involved in radioactive or nuclear related activities.

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