Individual Personal Accident Plan 2

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 Individual Personal Accident Plan 2 Policy is open to anyone upto 65 years of age. This low cost family package cover, Option to include broken bones coverage for your parents. 
• 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 for hospital daily cash benefit  and personal accident cover worldwide.
• Wide coverage: This Individual Personal Accident Plan 2 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

• Accidental Death: In case of an accidental death, the policy pays 100% of the Sum Insured
• 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.

You must renew your HDFC ERGO Individual Personal Accident Plan 2 policy to get the continuity in benefits

In order to continue availing benefits from your previous policy, renew your HDFC ERGO Individual Personal Accident Plan 2 

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. CA0010

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.
• Income proof is required in the event of claim

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. CA00100

To download the claim form, Click Here

Thank you for your interest in HDFC ERGO's Individual Personal Accident Plan 2 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.

• In case of an accidental death, the policy pays 100% of the Sum Insured if bodily injury due to an accident results in death
• The policy provides a daily benefit upto a maximum of 45 days in case of hospitalization due to an accident or sickness
• The policy pays up to 100% of the Sum Insured if bodily injury due to an accident results in permanent disablement

You can also benefit from

 

• A Health Suraksha Policy that provides you optimal coverage for treatment, including all pre and post hospitalization costs.
• A Private Car Insurance Policy that ensures your vehicle is safeguarded no matter what the mishap.
• A Critical Illness Insurance Policy and get a lump sum amount required to treat critical illnesses and pay for associated treatment.