HDFC ERGO General Personal Accident Insurance Policy

Policy Benefits

• Accidental death, within 12 months from the date of the accident is covered up to 100% of the Sum Insured (SI) opted under the plan. Accidental Death for parents is covered as an add-on benefit.
• Accidental Permanent total disablement (PTD), within 12 months from the date of the accident is covered up to 100% of SI applicable under the plan. Permanent Total Disablement for parents is covered as an add-on benefit.
• Broken bones benefit is covered up to sub limits specified under the policy. Broken Bones for parents is covered as an add-on benefit.
• Burns are covered as per the limits specified.
• Hospital cash (accident & sickness) is payable up to the limits applicable under the policy. This benefit is applicable for a maximum 45 days.

Value Added Benefits

• Family coverage is available under this plan.
• Ambulance cost is covered up to the limit specified.
• No pre-acceptance medical check-up is required to buy this plan.
• Enjoy lifelong renewability and get a cover for your entire life.
• Get worldwide coverage for accidents.

Sub Limits

• Broken bones benefit is payable up to Rs 50,000/75,000/1 Lac/1.5 Lacs for 5 Lacs/7.5 Lacs/10 Lacs/15 Lacs SI respectively.
• Epenses for Burns are payable up to Rs 25,000/37,500/50,000/75,000 for 5 Lacs/7.5 Lacs/10 Lacs/15 Lacs SI respectively.
• Ambulance charges are payable up to Rs 1,500 for 5 Lacs/7.5 Lacs/10 Lacs SI and Rs 2,000 for 15 Lacs SI.
• Hospital cash (accident & sickness) of Rs 250 per day for 5 Lacs/7.5 Lacs SI and Rs 500 per day for 10 Lacs/15 Lacs SI.
• 3 Day deductible is applicable for hospital cash.
• In case of family plan, for AD benefit –spouse 100 & children- 10% (maximum 2), PTD- spouse 100 & children- 10% (maximum 2), Broken bones- spouse 100% & children (no payout), Burns- spouse 100% & children (no payout), Hospital cash (accident & sickness)- spouse 100 & children 50%, Ambulance cost- same benefit for all family members.
• Accidental Death for parents is capped up to 2.5 lacs.
• Permanent Total Disablement for parents is capped up to 2.5 lacs.
• A Broken Bones benefit for parents is capped up to Rs 50,000.

Waiting Period Clause

No waiting period is applicable under this policy.