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HDFC ERGO Personal Accident Insurance assures a financial security to you and your family in the event of an accident. The Personal Accident policy covers for death of individual, physical injuries and bodily burns. The personal accident insurance plan also comes with an option to include the entire family under a single policy. HDFC ERGO’s Personal Accident Insurance Policy ensures your protection across the boundaries.

Key Highlights

  • Anyone below the age of 65 years of age is eligible

  • Sum Insured from Rs.2.5 lakhs to Rs.15 lakhs

  • Family Coverage Plans available

  • Coverage for accidents in India and worldwide

  • Almost all risks pertaining to covered under the policy.



  • Accidental Death covered

  • Permanent Total Disablement covered

  • Hospital Cash (Illness & Accident) – a daily assistance for hospitalization up to 45 days is provided

  • Burns – 5% of Policy Sum Insured is payable

  • Ambulance Expense – as per the policy



  • Intentional acts

  • Injuries from Civil / Foreign Wars

  • Accidents under influence of Alcohol/Drugs

  • Accidents while riding a 2-wheeler with more than 150 cc power

  • AIDS / HIV

  • Injuries from active involvement in violent public disorder /labour disturbance

  • Injured on duty ( military/police force or a paramilitary organization)

  • Injuries from participating in unsafe sports


*Please note these are illustrative exclusions. For detailed list, kindly refer the policy wordings.

*This content is descriptive only. Actual coverage is subject to language of policy issued.