HDFC ERGO Personal Accident Insurance

Terms and conditions

The Company has not accepted the proposal until the full premium has been paid. Please refer to the policy wordings for exclusions and details of coverage. The information above is indicative only and serves as a disclaimer of its nature.

It is prohibited to offer or allow any person to accept any rebate, whether in the form of a rebate on the premium shown on the policy or a payable commission. This practice of rebating is not allowed, except as permitted in accordance with the tables or prospectus published by the insurer. No person shall continue or renew an insurance policy or take out a new one, directly or indirectly, as an inducement to offer or allow any rebate in respect to any kind of insurance related to property or lives in India. Violations of Section 41 of the 1938 Insurance Act may result in a fine of up to 10 lakhs.

Features and benefits

Accidents can impact the savings and financial planning of your family. HDFC ERGO Personal Accident Insurance offers the additional safeguard and financial stability that your family needs during such a critical period, providing them with reassurance.

Age Requirement: 18 years to 80 years.

Accidental Death.

Accidental Hospitalization.

Family Coverage Option: Self & Relatives.

Benefit for Education of Dependent

The available coverage options include 25 Lakhs, 50 Lakhs, and 75

Permanent Disability (PT

Policies can be issued for a period of 2 years or 3 years.

Temporary Complete Incapacity (Up to 104 weeks).

Lifelong Sustainability.

Contact us

In the event of a claim arising under the Policy, the insured must promptly notify the company using the contact details provided below.

Customer Support Number: 180

Email: healthclaims@hdfcergo.Com.

Exclusions

You have a period of 15 days from the date of receiving the Policy document to review the terms and conditions of this Policy.

You will have the option to cancel, stating the reasons for cancellation. If you have any objections to the terms and conditions, you can express them. After adjusting the amounts spent on any medical check-up and stamp duty charges, you will be refunded a proportionate premium paid by you.

You can only cancel Your Policy if You have not made any claims under the Policy.

All Your entitlements under this Policy will immediately cease to exist upon the cancellation of the Policy during the free look period.

The Policy does not offer the Free look provision during the time of Policy renewal.

Eligibility

Age – Adult 18 to 80 years, child: 91 Days to 21 Years.

Insurance coverage amounts – 25 lakh, 50 lakh, and 75 lakh

Policy Member – Yourself, Your Spouse, and two Children

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Disclaimer.

The insurer will report concerns and grievances in regards to this matter. Information may be subject to material changes, and notice of such amendments, verifications, revisions, or updates may occur without prior notification.

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HDFC Ergo Personal Accident Insurance Disclaimer.

The above-mentioned product is underwritten by ERGO HDFC General Insurance Company Limited, which is an authorized corporate agent of Federal Bank Limited, located in Aluva, Kerala, India. The agent is authorized by the Insurance Regulatory and Development Authority of India (IRDAI), with license number CA0227. The Federal Bank Limited is also authorized by IRDAI, with license number 13-14 and UID number 4316. The personal accident insurance offered by HDFC ERGO General Insurance Company Limited provides coverage for accidents, with more details on the terms, conditions, and risk factors available at their corporate office in Mumbai, located at 165-166, Backbay Reclamation, Churchgate, Parekh T.H. Marg, 1st Floor, HDFC House. The company is registered under the Corporate & Registered Office: 177117 and has the CIN number 146. It is also regulated by IRDAI.