PERSONAL ACCIDENT INSURANCE

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Personal accident insurance safeguards you & your family against financial pain of an accident. It is a fixed benefit plan that covers death, permanent/temporary disability and hospitalization caused due to an accident. In case of any of these unfortunate events, the plan will provide a lump sum payout, as specified under the policy terms and conditions.

Accidents shatter people emotionally, physically and financially, draining away lifelong savings. Your happiness comes to a pause and you are left with shock and financial burden. HDFC ERGO presents Personal Accident Insurance to help you sail through steadily during these times. This health insurance policy offers lump-sum compensation in one single transaction to cover accidental medical expenditures. To secure your family’s day to day life routine in your absence, it’s essential to get Personal Accident insurance.

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Key Benefits :

  • Accidental death
    If the policyholder dies in an accident then his nominee gets accidental death compensation.

  • Permanent total disability in an accident
    At times, despite medical help the victim becomes disabled for life. Then the insurance policy pays a certain amount depending upon the nature of the disability.

  • Permanent partial disability
    This is applicable if a person has partially lost their hearing in one ear or suffered eyesight loss in one eye. Or, it could be that the policyholder has lost an index finger, a thumb, or even a hand. In all these cases, the policyholder can approach the insurer for a claim.

Key Exclusions :

Your insurer will not cover any loss arising out of acts of war or terror. It will not cover any claims regarding existing physical disabilities or pre-existing diseases. The exclusions also comprise mental disorders, HIV or AIDS, and congenital anomalies. The insurer will not honour any intentional injury claims. Any injuries arising from participation in adventure sports come under exclusions as well. This includes activities like bungee jumping, mountaineering, and river rafting.


Note: Please read the policy document for complete details. Multiple insurers offer varying benefits across a gambit of sum insureds.