Personal Accident Insurance Plan A

Features

  • Get protection against hospital expenses, injuries, disability and death.
  • Get accident cover for yourself and your family under one insurance policy.
  • Individuals between the age of 18 and 69 can insure themselves with this policy plan.

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Benefits

  • Get a comprehensive accident insurance for a sum insured of Rs. 15 – 75 lakh.
  • Opt for a family insurance cover in which a 50% cover is provided for your spouse and 10% for the children, in case of accidental death and permanent total disability.

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Contact Us

Contact Number
Ahmedabad
6160 6161

Do you want to know about the HDFC ERGO Personal Accident Insurance Plan A in detail in detail?

The HDFC ERGO Personal Accident Insurance Plan A has been tailored into a comprehensive insurance plan that gives protection against the financial burden of an accident in India, or worldwide. Here are some of the features of the policy:

  • Age limits: Individuals between the age of 18 and 69 can insure themselves with the HDFC ERGO Personal Accident Insurance Plan A
  • Sum insured: We understand that the individual insurance needs of each person differ. That's why the HDFC ERGO Personal Accident Insurance Plan A ives you the opportunity to buy comprehensive accidental insurance for sum Insured ranging from Rs. 15 to 75 lakh.
  • Family cover: Insurance is all about providing for your loved ones. That's why the HDFC ERGO Personal Accident Insurance Plan A allows you an option of covering "Self and Family" The "Self and Family" option provides cover for yourself, a spouse and two children. In case of accidental death and permanent total disability, a 50% cover is provided for your spouse and 10% for the children.
  • Policy effective date: Your HDFC ERGO Personal Accident Insurance Plan A comes into effect in just 15 days after receipt of payment and the necessary paperwork filled and signed by you.

What coverage does HDFC ERGO Personal Accident Insurance Plan A?

HDFC ERGO Personal Accident Insurance Plan A has the following coverage features:

  • Accidental death: Get coverage for up to 100% of the sum insured in case of accidental death of the insured person.
  • Permanent Total Disablement: If an accident results in Permanent Total Disablement of the insured, provides up to 100% of the sum insured.
  • Weekly benefits for Temporary Total Disablement: If a Temporary Total Disablement inhibits the insured from working or carrying out his/her occupation, a weekly benefit is paid for a maximum of 52 weeks.
  • Hospital Cash: Provides a benefit of up to Rs. 1000 per day for 30 days in case of hospitalization at the time of an accident.
  • Broken bones: The insured receives up to Rs. 50,000 if an accident results in broken bones.
  • Last rites: In case of accidental death, this policy provides benefits that cover even the last rites or funeral costs of the insured.

Click here to read the policy wording.

What are the exclusions on the HDFC ERGO Personal Accident Insurance Plan A?

The following are the exclusions on the policy that you should note.

  • Armed Forces (Army / Navy / Air Force) or Para-military Forces (BSF / RAF / CRPF)
  • Professional sports persons
  • Hazardous sports like Bungee jumping, Paragliding, Jet Skiing, etc
  • Merchant Navy
  • Airline Pilots / crew members
  • Electrical Installations
  • High Tension Lines
  • Off-shore workers working on Oil Rigs, Drilling Platforms, etc

What is the claims procedure for the HDFC ERGO Personal Accident Insurance Plan A?

If a need to make a claim arises, please call our Toll Free helpline number and speak to a Claims Service personnel who will be able to guide you precisely on the claims procedure and the required documents.

Below are forms and documents you will need to make a claim.

Claims for accidental death

  • Duly filled claim form as per 'Form E'
  • Police FIR or Police Panchnama
  • Post-mortem Report or Coroner's Report
  • Death Certificate
  • Succession certificate or notarized affidavit certifying legal heir status should be provided for payment to beneficiaries.
  • Where payment to beneficiary is through notarized affidavit, a letter of indemnity on Rs.200 stamp paper. Contact us for the indemnity format.

Claims for accidental injury

  • Duly filled claim form as per 'Form A'
  • Police FIR, if the accident is reported to Police
  • All applicable Medical papers, pathology reports, X-ray reports, etc
  • Disability certificate from any reputed surgeon or Municipal Hospitals for Permanent Disability Claims
  • Sick leave certificate from Employer for Temporary Total Disability Claims
  • Attending Physician's statement as per 'Form D'

Claims for broken bones

  • Duly filled claim form as per 'Form A'
  • Police FIR, if the accident is reported to Police
  • All applicable Medical papers, X-ray report and X ray plate
  • Doctor's prescription and the suggested line of treatment suggested
  • All applicable bills and cash memos
  • Attending Physician's statement as per 'Form D'

You should note that additional documents may be required depending upon the nature of your claim.
You must also keep a copy of all the documents you have submitted to us.

Send your claim for and the required documents to:

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

To download the claim form click here.

*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 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

Thank you for your interest in HDFC ERGO's Personal Accident Insurance Plan A 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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