HDFC ERGO Personal Accident Insurance
Accidents strike unexpectedly and can shatter lifelong savings in seconds. While regular health insurance only reimburses hospital bills, HDFC ERGO Personal Accident Insurance pays 100% lump-sum cash directly into your bank account to secure your family's future, income replacement, and loan EMIs.
The Power of Micro-Protection:
For just ₹3 to ₹10 per day (the cost of a road-side cup of tea), guarantee up to ₹50 Lakhs to ₹1 Crore in worldwide accidental protection for yourself and your loved ones.
How Much Personal Accident Coverage Do You Need?
Underwriting rules recommend 10x to 15x of your annual take-home salary. Move the slider to your current monthly salary bracket to see your recommended coverage and daily cost.
Annual Salary: ₹6,00,000. Insurers approve up to 10–12 times your annual income without mandatory financial audits, guaranteeing 100% payout without claim repudiation.
Everything You Need to Know About HDFC ERGO Personal Accident Insurance
Clear, simple explanations extracted directly from official HDFC ERGO policy wordings and brochures.
What is this plan about?
HDFC ERGO Personal Accident Insurance provides lump-sum compensation in one single transaction to cover accidental medical costs, disability, and income loss.
- Lump sum paid directly to you or your nominee bank account.
- Worldwide coverage 24/7 across all geographies.
- Option to cover primary insured, spouse, and dependent children.
Who should buy this plan?
Anyone between 3 months and 70 years of age whose family depends on active monthly income.
- Daily commuters using two-wheelers, cars, metro, or public transit.
- Sole breadwinners, salaried executives, and self-employed professionals.
- MSMEs, Startups & small businesses insuring valuable team members.
Why should you buy?
Health insurance does NOT replace your salary if disabled. Mediclaim only pays the doctor or hospital.
- Pays 100% lump sum to fund EMI, living expenses, and kid schooling.
- India sees over 4.5 lakh road accidents every year — highest globally.
- Daily cost is less than a cup of cutting chai (starts from ₹3/day).
Key Policy Benefits
Comprehensive coverage backed by HDFC ERGO's 98.6% claim settlement ratio and hassle-free paperless processing.
- Accidental Death: 100% Sum Insured lump sum.
- Permanent Total / Partial Disablement (PTD / PPD) up to 100%.
- Child Education Benefit & In-Hospital Medical Expenses.
Which Sum Insured Can I Buy?
Sum Insured is directly linked to your income bracket:
Exclusive Policy Extensions
Features from official policy wordings not found in generic policies:
- Disappearance Extension: 12 months after vessel/aircraft loss.
- Exposure to Elements: Deemed as bodily accidental injury.
- Cumulative Bonus: +5% Sum Insured for every claim-free year.
Table of Benefits: Permanent Disablement Scale (Table A & B)
As specified under Section 2 of HDFC ERGO Personal Accident Policy Wordings.
| Nature of Injury / Disablement | Benefit Percentage | Payout on ₹50 Lakhs Sum Insured |
|---|---|---|
| Accidental Death / Disappearance | 100% of Sum Insured | ₹50,00,000 |
| Permanent Total Disablement (PTD) | 100% of Sum Insured | ₹50,00,000 |
| Permanent Total Loss of Two Limbs | 100% of Sum Insured | ₹50,00,000 |
| Permanent Total Loss of Sight in Both Eyes | 100% of Sum Insured | ₹50,00,000 |
| Permanent Total Loss of Speech | 100% of Sum Insured | ₹50,00,000 |
| Complete Removal of Lower Jaw / Mastication | 100% of Sum Insured | ₹50,00,000 |
| Permanent Total Loss of Hearing in Both Ears | 75% of Sum Insured | ₹37,50,000 |
| Permanent Total Loss of One Limb | 50% of Sum Insured | ₹25,00,000 |
| Permanent Total Loss of Sight of One Eye | 50% of Sum Insured | ₹25,00,000 |
| Loss of Four Fingers and Thumb of Either Hand | 40% of Sum Insured | ₹20,00,000 |
| Loss of Lens in One Eye / Hearing in One Ear | 15% - 25% of Sum Insured | ₹7,50,000 - ₹12,50,000 |
| Shortening of Leg by at least 5 cms / Ankylosis | 7.5% - 20% of Sum Insured | ₹3,75,000 - ₹10,00,000 |
Protect Your Workforce Across India
Whether you operate an IT startup in Gurgaon, Cyber City, or Noida, a trading business in Nehru Place or Chandni Chowk, or an enterprise in Gorakhpur, Lucknow, or Greater Noida: accidents in traffic or workplace can create immense legal and emotional liabilities for business owners.
Statutory Compliance Shield
Protects management against compensation liabilities under the Employee's Compensation Act during work travel or field duties.
100% Tax Deductible
Premiums paid by companies for employee accident insurance are 100% deductible as business expenditure under Section 37(1).
High Employee Motivation & Retention
Staff feel recognized and loyal knowing their families are financially shielded by the company against sudden medical catastrophes.
Nominal Cost for Employers
Group coverage costs as little as ₹50 to ₹100 per employee per month — cheaper than the office snacks budget!
Recommended Group Coverage
How Claims Work When You Need Them Most
Himanshu Kumar personally handles paperwork and claim coordination with HDFC ERGO claims desk.
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Immediate Intimation
Call Himanshu Kumar or HDFC ERGO Toll-Free (1800 2 700 700) within 30 days of the accident.
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Document Assembly
FIR / police report (for road accidents), medical discharge summary, diagnostic reports, and doctor certificates.
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Dedicated Assessment
HDFC ERGO medical desk verifies disablement degree or medical expenses with zero third-party delay.
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Direct Bank Transfer
100% approved amount transferred directly into beneficiary NEFT account within 7 working days.
Don't Leave Your Family's Livelihood to Chance
For less than what you spend on a daily cup of tea, protect your home, your children's schooling, and your peace of mind with India's most trusted insurer.
