HDFC ERGO Personal Accident Insurance Plan

HDFC ERGO Personal Accident Insurance Plan

HDFC ERGO Personal Accident Insurance Plan offers worldwide coverage to an Insured who suffers an injury due to an accident which results in Death or Disablement. Death, Permanent Total Disability, Temporary Total Disability, Broken Bones, Burns and Ambulance costs are covered under the policy. The family works like a family floater, family members of the insured can also be insured under one plan.
   

Key Features of HDFC ERGO Personal Accident Insurance Plan

• Hassle-free Online Buying Process
• No health checkup required
• Accidental Death and Disablement
• Worldwide Coverage
• Maximum Sum Insured up to 15 lacs
• Comprehensive Family Cover 

 

What is covered in HDFC ERGO Personal Accident Insurance Plan

• Accidental Death: - If the death of the insured occurs due to an accident within 12 months from the date of the injury, the beneficiary gets lump sum amount
• Permanent and Temporary disablement: - in case of permanent and temporary disablement due to an accident, % of the sum insured is paid upon the below disablement.

            - Loss of one or both the limbs
            - Loss of speech
            - Loss of one or both the eye sight
            - Loss of fingers

• In-hospital Medical Expenses: - If an insured is hospitalized as an in-patient for twenty-four (24) continuous hours or more, then the company will reimburse the Insured Person the necessary usual and Reasonable In-Hospital Medical Expenses, incurred within twelve (12) months from the Date of Loss up to the Total Sum Insured. 
• Emergence Medical Expenses: - If an insured incurs expense on medical due to an accident, the company will reimburse the Insured Person the necessary Usual and Reasonable Medical Expenses, incurred within twelve (12) months from the Date of Loss up to the Sum Insured an amount equal to the opted Sum Insured of the Insured Person, towards the Dependent Child irrespective of whether the Dependent Child is also an Insured Person.
• Hospital Cash and Home Convalescence: - If an Insured is admitted in hospital as an inpatient, within one (1) calendar month of the Date of Loss, then the Insured person gets daily cash benefit. In addition, if the Insured Person is instructed by a Physician to complete his/her recovery at home, then the Company will pay the Daily Home Allowance.
• Burns: - in case of burns total sum insured will be paid by the company.
• Broken Benefit: - if the insured suffers from broken bones due to an accident, total sum insured will be paid.
• In-hospital Surgery: - if the insured is required to undergo surgery, then the company will pay an amount equal to the costs of the surgical procedure or the amount equal to the benefit schedule.
• Ambulance Cost:- Company pays the actual ground ambulance costs incurred by the Insured up to the Total Sum Insured
• Animal Attack Extension: - If insured person is hospitalised for seventy-two (72) continuous hours, as the result of an attack by an animal, then the Company pays the Total Sum Insured.

 

Additional benefits/features you get in Cigna TTK Lifestyle Protection - Accident Care Plan?

• Life time Renewability: Policy is renewable for Lifetime. 
• Free look period: - if the insured is not convinced with the terms and conditions of the policy, then s/he can cancel the policy within a period of 30 days from the date of receipt of the Policy document.

 

What is not covered in Cigna TTK Lifestyle Protection - Accident Care Plan?

• Intentional self-inflicted injury, acts of self-destruction
• Civil or Foreign war
• Injury due to participation is sports as professional player
• Sickness resulting from pregnancy within twenty-six (26) weeks of the expected date of birth 
• For treatments for nervous or mental problems, whatever their classification, psychiatric or psychotic conditions, depression of any kind, or mental insanity.
• For complete list of exclusions and detailed individual coverage benefits please refer the brochure