All You Need To Know

Features

  • The cover provided is applicable 24 hours a day, 7 day a week, 365 / 366 days of the year
  • The individual stands protected by this Personal Accident cover in India and any other location worldwide
  • No health check up required
  • Life Long Renewability​​​​​​​
Card Reward and Redemption

Eligibility

  • Age Criteria: 18 years to 65 years
  • Offers 7 options from a minimum coverage of Rs. 10 Lacs to a maximum of Rs. 1 cr.
  • Policy Tenure 1, 2 & 3 years
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Benefits

Coverages from 10 to 25 Lacs Sum Insured

  • Accidental Death: Pays the Sum Insured in the event of an accidental bodily injury causing the insured person’s death.
  • Permanent Disability: Pays the percentage of Sum Insured as stated in the table of benefit (Table A), if the Insured is permanently disabled due to an accident.
  • Dependent Child Education Benefit-Payable for 1 year: Pays the education fees for the insured person’s dependent child up to the amount stated in the schedule, if an accident causes the insured person’s death
  • Medical Insurance Premium Indemnity payable upto 1 year: Pays the actual costs of medical insurance premiums for the insured person’s surviving spouse and dependent child up to the amount stated in the schedule, if an accident causes the insured person’s death
  • Dependent Girl Child Wedding Benefit: Pays the Sum Insured as stated in the schedule, if an accident causes the insured person’s death.(This coverages is available from 15 Lacs & above Sum insured)

Coverages from 50 Lacs to 1 crore Sum Insured

Click here to read policy wording.

  • Accidental Death: Pays the Sum Insured in the event of an accidental bodily injury causing the insured person’s death.
  • Permanent Disability: Pays the percentage of Sum Insured as stated in the table of benefit (Table A), if the Insured is permanently disabled due to an accident.
  • Dependent Child Education Benefit-Payable for 1 year: Pays the education fees for the insured person’s dependent child up to the amount stated in the schedule, if an accident causes the insured person’s death
  • In-Hospital Medical Expenses-Accident Only: Reimburse hospitalization costs up to maximum sum insured if bodily injury due to an accident results in hospitalization
  • Hospital Daily Cash-Accident Only: Provides a daily benefit up to a maximum of 30 days in case of hospitalisation due to an Accident.
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Negative List

  • Armed Forces (Army / Navy / Air Force)
  • Para‐military Forces (BSF, RAF, CRPF, etc)
  • Professional Sports Persons
  • Hazardous Sports (Bungee jumping, Jet‐Skiing, Para‐gliding, etc)
  • Merchant Navy
  • Airline Pilots
  • Off‐shore Workers (Oil rigs / Drilling platforms)
  • Structural workers, Window cleaners, Junk/salvage workers, Saw mill workers, Security guards, Mine workers, Fire workers & Fire fighters
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Exclusions

Bodily Injury / Sickness caused:

  • Intentionally
  • Due to Civil War or Foreign War
  • Under the influence of Alcohol /drug
  • Due to driving two wheeler of more than 150 cc
  • Due to AIDS / HIV
  • Due to active participation in violent labour disturbance / public disorder
  • On duty with military or police force or paramilitary organization
  • Due to participation in hazardous sports

PLEASE NOTE
*This content is descriptive only. Actual coverage is subject to the language of policy issued. **These are illustrative exclusions. For a detailed list, kindly refer to the policy wordings.

Disclaimer: Please note that HDFC Bank is a corporate agent of HDFC ERGO. The Contract of insurance is between HDFC ERGO and the Insured only and HDFC Bank is not a party to the said contract. Participation by customer to buy insurance policy is purely voluntary. Insurance is the subject matter of the solicitation. For more details on coverage, terms and conditions, please read the policy document carefully before conducting a sale. Certified Corporate Agent's License No. CA0010

Note: Coverage’s, terms and conditions and exclusions are only outlined briefly. For complete details; please refer to the policy wordings

Card Management & Control

Benefits & Premium Details

Benefits Table& Premium Details

Individual Personal Accident Net Banking Plan 3
Coverages / Plan Option Option 1 Option 2 Option 3 Option 4
Accidental Death 1,000,000 1,500,000 2,000,000 2,500,000
Permanent Disablement(Table A) 1,000,000 1,500,000 2,000,000 2,500,000
Dependent Child Education - Payable for 1 year 100,000 150,000 200,000 250,000
Medical Insurance Premium Indemnity - Payable for 1 year 100,000 150,000 200,000 250,000
Dependent Girl Child Wedding Benefit Nil 150,000 200,000 250,000
1 Year Premium with 15% ST 1124 1685 2247 2808
2 Years Premium with 15% ST 2169 3251 4337 5420
3 Years Premium with 15% ST 3135 4700 6270 7835

Individual Personal Accident Net Banking Plan 3

Coverages / Plan Option Option 5 Option 6 Option 7
Accidental Death 5000000 7500000 10000000
Permanent Disablement(Table A) 5000000 7500000 10000000
Dependent Child Education - Payable for 1 year 500000 750000 1000000
In-Hospital Medical Expenses - Accident Only 100000 100000 100000
Hospital Cash - Accident Only(Max upto 30 days) 1000/day 1000/day 1000/day
1 Year Premium with 15% ST 6656 9337 12018
2 Years Premium with 15% % ST 12847 18021 23194
3 Years Premium with 15% ST 18571 26050 33529

Note: Coverage’s, terms and conditions and exclusions are only outlined briefly. For complete details; please refer to the policy wordings

Redemption Limit

Claim

  • You can make a claim by calling our Toll free number 1800-226-226 (MTNL or BSNL Line) or 1800-2-700-700 (Accessible from India only) or 022 66384800 ( Local / STD charges apply). We will then assist you with the submission of the documents required and the process will be completed within 7 working days, once all the required documents are submitted
  • Substantial income proof required for certain coverages. Pls refer HDFCERGO site / policy document.

    PLEASE NOTE Documents in addition to those mentioned above may be asked for, depending on the nature of accident and claim lodged. Please retain a copy of the documents sent for your records.
  • To download the claim form, click here.
  • Disclaimer

    Please note that HDFC Bank is a corporate agent of HDFC ERGO. The Contract of insurance is between HDFC ERGO and the Insured only and HDFC Bank is not a party to the said contract. Participation by customer to buy insurance policy is purely voluntary. Insurance is the subject matter of the solicitation. For more details on coverage, terms and conditions, please read the policy document carefully before conducting a sale.
    Certified Corporate Agent's License No. CA00100

Commission on General Insurance

Smart EMI

Frequently Asked Questions

Dependent child means an unmarried dependent child residing with the insured person between the age of 3 months and up to 18 years or up to the age of 21 if in full time education.

The best part of this policy is that it has hassle free documentation. All you need to do is fill the complete proposal form with relevant details and sign it .Tick any one plan and attach a cheque or fill the credit card details in the form.

The policy will commence within 15 days from the date of receipt of form & premium payment.

Yes, you can include your dependent parents up to 70 years. Personal Accident Insurance provides add on benefits for your dependent parents with an affordable flat rate. Now you can give back a small measure of the love and concern they showed for you.

You can make a claim by calling 022-6234 6234 (Accessible from India only) or 022 66384800 ( Local / STD charges apply). We will then assist you with the submission of the documents required and the process will be completed within 7 working days, once all the required documents are submitted.

Now you can protect your entire family with Personal Accident Insurance against accidental injuries. The policy provides the benefits to you and your family, for Accidental Death, Permanent Disability, Broken Bones, Burns due to an accident. It also provides benefit of Ambulance cost and hospital cash.

HDFC ERGO offers you a wide range of Sum Insured, from Rs. 2.5 lakh to 15 lakh with four plan options to choose.

  1. Self Plan
  2. Self & Family Plan
  3. Self + Dependent Parents Add-on.
  4. Self & Family Plan + Dependent Parents Add-on

You can include your spouse as well as two dependent children under the Family Plan.

Pays 10 % of Sum Insured upto 50,000(for dependent parents), if an accident results in broken bones.

Personal Accident Insurance is open to everyone from the age of 18 years to 65 years.