Personal Accident Insurance Plan B

Features

  • This insurance policy will provide financial security for unforeseen accidents upto 65 years of age.
  • Wide coverage provided for various types injuries and personal accidents.

Benefits

  • Get coverage in India and internationally!
  • You can chose from a range of insurance amounts from Rs. 2.5 lakh to Rs. 15 lakh, depending on your requirements.

Do you want to know about the HDFC ERGO Personal Accident Policy Plan B in detail?

In the crucial time that your family may face in case you meet with an accident, the last thing they should be worried about is finances. Here are some of the features of the policy:

  • Age Limit: The HDFC ERGO Personal Accident Plan B Policy is open to anyone upto 65 years of age. This low cost family package cover, inclusive of broken bones coverage for your parents aged up to 70 years. 
  • Sum Insured: The range of insurance available is from Rs. 2.5 lakh to Rs. 15 lakh.
  • Family Package Cover: Take maximum benefits of high value comprehensive coverage at affordable costs! The cover extends to your entire family including dependent parents and dependent children in a single policy.
  • Protection area: You will stand protected for sickness in India and personal accident cover worldwide.
  • Wide coverage: This Personal Accident Plan B Policy covers the following risks associated with accidents.

Burns
Broken Bones
Permanent Disability or Accidental Death.
Reimbursement for Ambulance costs.
Daily cash payout for hospitalization due to accidents and sickness


What coverage does HDFC ERGO Personal Accident Plan B Policy offer?

Here are the details regarding the coverage that the HDFC ERGO Personal Accident Plan B Policy offers:

  • Accidental Death: In case of an accidental death, the policy pays 100% of the Sum Insured if bodily injury due to an accident results in death
  • Permanent Total Disablement: The policy pays up to 100% of the Sum Insured if bodily injury due to an accident results in permanent disablement
  • Broken Bones: The policy pays up to 10% of Sum Insured in the event of bodily injury due to an accident resulting in broken bones
  • Hospital Cash (Accident & Sickness): The policy provides a daily benefit upto a maximum of 45 days in case of hospitalization due to an accident or sickness.
  • Burns: It pays up to 5% of Sum Insured if an accident results in hospitalization and treatment of burns.
  • Ambulance Costs: The policy pays up to the Sum Insured towards the reimbursement of costs for ambulance charges.

Click here to read the policy wording.

Why should you renew your HDFC ERGO Personal Accident Plan B Policy?

You must renew your HDFC ERGO Personal Accident Plan B Policy to take advantage of the cumulative bonus and continue the benefits you receive for any pre-existing illness from your previous policy with us.

Renew your Policy online by filling the form here.

What are the exclusions on the HDFC ERGO Personal Accident Plan B Policy?

Bodily Injuries or sickness caused in the following situations are not covered under the policy:

  • Intentionally
  • Due to Civil War or Foreign War
  • Under the influence of Alcohol /drugs
  • 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: These are illustrative exclusions. For detailed list, kindly refer the policy wordings here.

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

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. HCG 933982

What is the claims procedure for the HDFC ERGO Personal Accident Plan B Policy?

The first step towards making a claim should be to call us on our toll free number of our Toll-free Number 1-800-2700-2700. Our claims service representative will guide through the claim procedure and documents required. Complete the claim form relevant to the nature of loss as indicated below:

Claim Procedure for Accidental Death:

  • Fill a Claim Form as per 'Form E'
  • File a Police FIR or Police Panchnama
  • Attach a Post-mortem Report or Coroner's Report
  • Attach a Death Certificate
  • For payment to beneficiary, attach a succession certificate or notarized affidavit certifying the legal heir status.
  • Where payment to beneficiary is through a notarized affidavit, a letter of indemnity on Rs.200 stamp paper will be required. Contact us for the indemnity format.

Claim Procedure for Accidental Injury:

  • Fill a Claim form as per 'Form A'
  • File a Police FIR, if accident is reported to Police
  • Attach Medical papers, pathology reports, X-ray reports, as applicable
  • For Permanent Disability Claims, attach a disability certificate from any reputed surgeon or Municipal Hospitals.
  • For Temporary Total Disability Claims, attach a sick leave certificate from Employer
  • Attach the attending Physician's statement as per 'Form D'

Claim Procedure for Broken Bones:

  • Fill a Claim form as per 'Form A'
  • File a Police FIR, if accident is reported to Police
  • Attach Medical papers, X-ray report and X ray plate
  • Attach Doctor's prescription and line of treatment suggested
  • Attach all relative bills and cash memos
  • Attach the attending Physician's statement as per 'Form D'

Kindly note the last steps of the claim procedure:

  • Our Claims Service Representative may visit you in the Hospital or at Home to personally collect claim documents.

In addition to the documents mentioned above, additional documents may be called for, depending on the nature of accident and claim lodged. Please retain a copy of the documents sent for your records. You may also send the claim form with the annexure and necessary documents to our Claims Processing Cell at the following address:

HDFC ERGO General Insurance Company Limited
6th Floor, Leela Business Park,
Andheri - Kurla Road, Andheri (East),
Mumbai – 400059

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. HCG 933982

To download the claim form, click here

Thank you for your interest in HDFC ERGO's Personal Accident Plan B Policy for Personal Accident. Kindly fill out this form so that our representative can get in touch with you.

If you have any queries that are not answered here, please call us or write to us.

Commission on General Insurance

As per RBI circular: RBI/2009-10/225 dated November 16, 2009, following are the details of the comparative commission earned by HDFC Bank from General Insurance, whose products are being distributed:

Commission from General Insurance

Sr. NoClass of business% of premium payable as agency commission
(% of final premium excluding service tax)
1 Fire, IAR and Engineering insurances: -
i - General 10%
ii - Risks treated as large risks under para 19 (v) of File & Use guidelines 5%
2 Motor insurance business (OD portion), WC/EL & statutory Public Liability Insurance 10%
3 Motor Third Party Insurance Nil
4 Marine Hull Insurance 10%
5 Marine Cargo business 15%
6 All other business 15%

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