Back   Home Personal Accident Insurance FAQ

What is an accident?

Accident means any sudden or unexpected event, which leads to a permanent physical disability or accidental death.


What are the benefits payable under this policy?

  • 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.

What are the available plans with under this policy?

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

  • Self Plan
  • Self & Family Plan
  • Self + Dependent Parents Add-on
  • Self & Family Plan + Dependent Parents Add-on

How many members can be included under the Family Plan?

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


Can I include my parents in this policy?

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.


What kind of benefits are my spouse and children entitled to?

For spouse the sum insured in case of accidental death, permanent disability, broken bones, burns, ambulance costs and Hospital cash is equivalent to primary insured(self) & for children the sum insured in case of accidental death or permanent disability is 10%, in case of ambulance costs it is 100% and in case of hospital cash it is 50% of the primary insured. Kindly note, no benefit is payable under broken bones and burns for children


What is the definition of a dependent child?

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


Is there an age limit for opting Personal Accident Insurance policy?

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


How do I make a claim?

You can make a claim by calling our Toll free number 1800-2-700-700 (Accessible from India only). 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


When does my policy start?

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


How do I make my premium payments?

This is an annual policy, where the premium can be made via Credit Card or Cheque.


What kind of documentation is required?

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.


What is the benefit of broken bones under this policy?

Pays up to 10 % of policy Sum Insured, if an accident results in broken bones. Kindly note, in case of plan selected is Self & Family or Self + Dependent Parents Add-on or Self & Family Plan + Dependent Parents Add-on, for dependent parents, irrespective of the policy sum insured selected, the benefit payable under broken bones is upto 50,000 and for children no benefit is payable under broken bones


What do you mean by exclusions?

Exclusions are situations or conditions where in HDFC ERGO is not liable to pay the benefits to the insured person in the event of an accident.


How do I renew my policy?

We will send you renewal reminders. The number of days advance reminder depends upon the pay plan opted for.
Payplansbreakup :

  • Cheque – 45 days
  • Credit Card – 60 days

Will I get a renewed policy?

Yes, you shall receive the renewed policy.


What is the Cancellation procedure?

The policy can be cancelled with a notice period of 30 days. The premium paid by you will be refunded on a pro-rata basis, subject to minimum retention of 25% of the annual premium or premium calculated on pro-rata basis whichever is higher.No refund will be made on cancellation, if a claim has been paid or admitted by the Company.


Does this policy cover natural death and daily sickness also?

This policy only covers accidental death.


Who can be the beneficiary?

The beneficiary could be any member of your family.


Will my accident policy cover me even if I am out of the country?

Yes the accident policy will cover you even if you are out of the country. The sum insured will be paid to you in Indian Rupees in case of a claim i.e. the claim will be paid out in India only.


Does this policy have hospital cash benefit?

Yes hospital cash provides a daily benefit as stated in the policy schedule upto a maximum of 45 days in case of hospitalization due to an accident & sickness.Kindly note, deductible of 3 days is applicables.

Hi I am DIA, your Digital Insurance Agent from HDFC Ergo, I can help you in the following ways