HDFC Ergo Personal Accident Plan 2024, Benefits, Features, Buy & Renew Details, Reviews

Accidents, both minor and major, can have a significant impact on human life. This not only affects a person’s overall well-being, but also reduces their savings. Therefore, we recommend that you take out reliable medical insurance to protect you from such unforeseen circumstances. Private accident insurance should provide certain financial relief to injured parties or relatives in the event of an unfortunate accident.

This insurance covers the insured in the event of unfortunate death, personal injury, amputation or disability caused by an accident. Benefits are paid when the cause of the accident is an airplane, train, drowning, bodily injury, burns, or collision.

Another advantage of personal accident insurance is that it provides coverage for accidental injury to policyholders. Compensation for aftereffects, disability, and death due to a traffic accident. In the event of disability due to an accident, the insured is also compensated for lost profits.

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Key Features of HDFC ERGO Personal Accident Insurance Plan

• Hassle-free Online Buying Process
• No health checkup required
• Accidental Death and Disablement
• Worldwide Coverage
• Maximum Sum Insured up to 15 lacs
• Comprehensive Family Cover

Eligibility Criteria for HDFC ERGO – Personal Accident Insurance Plan

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What is covered in HDFC ERGO Personal Accident Insurance Plan?

If you have ever been injured in an accident, you know that it can be a costly experience. That’s why it’s important to have personal accident insurance coverage, so you can cover medical costs and lost income. This coverage is offered by HDFC Ergo, one of India’s leading personal insurance companies. In this article, we will outline the benefits of HDFC Ergo personal accident insurance plan, and explain what is covered.

• Accidental Death:- If the death of the insured occurs due to an accident within 12 months from the date of the injury, the beneficiary gets lump sum amount
  Permanent and Temporary disablement:– in case of permanent and temporary disablement due to an accident, % of the sum insured is paid upon the below disablement.
  In-hospital Medical Expenses:- If an insured is hospitalized as an in-patient for twenty-four  continuous hours or more, then the company will reimburse the Insured Person the necessary usual and Reasonable In-Hospital Medical Expenses, incurred within twelve months from the Date of Loss up to the Total Sum Insured.
  Emergence Medical Expenses:- If an insured incurs expense on medical due to an accident, the company will reimburse the Insured Person the necessary Usual and Reasonable Medical Expenses, incurred within twelve  months from the Date of Loss up to the Sum Insured an amount equal to the opted Sum Insured of the Insured Person, towards the Dependent Child irrespective of whether the Dependent Child is also an Insured Person.
  Hospital Cash and Home Convalescence:- If an Insured is admitted in hospital as an inpatient, within one  calendar month of the Date of Loss, then the Insured person gets daily cash benefit. In addition, if the Insured Person is instructed by a Physician to complete his/her recovery at home, then the Company will pay the Daily Home Allowance. burn:- In case of burns, the company will pay the full insurance amount.
  Broken Advantages-In case of fracture due to an accident, the full insurance amount will be paid.
  Surgery in hospital:- If the insured person needs surgery, we will pay the same amount as the cost of the surgery or the same amount as the welfare plan.

Additional benefits/features you get in Cigna TTK Lifestyle Protection – Accident Care Plan?

Are you looking for additional benefits or features when choosing a Cigna TTK Lifestyle Protection – Accident Care Plan? Well, look no further! In this blog post, we will list the top five benefits of choosing this policy, as well as discuss some of the features that are unique to it. We hope that by outlining these benefits and features, you will be able to make an informed decision about whether or not this policy is right for you. Thanks for reading!

• Life time Renewability: Policy is renewable for Lifetime.
• Free look period: -If the insured is not satisfied with the terms of the policy, he/she may cancel the policy within 30 days of receipt of the policy.

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What is not covered in Cigna TTK Lifestyle Protection – Accident Care Plan?

Do you have a special interest or passion that might lead you to be injured on the job? If so, you should be aware that Cigna TTK Lifestyle Protection – Accident Care Plan doesn’t cover all types of injuries. In fact, it doesn’t even cover all types of accidents. So if you’re hurt in an accident that isn’t covered by Cigna TTK Lifestyle Protection – Accident Care Plan, you might not be able to receive the care and support you need. Here’s a list of some of the injuries and accidents that are not covered.

• Intentional self-harm, suicidal behavior
• civil or foreign war
• Participation injuries are sports as a professional player
• Illnesses caused by pregnancy within 26 weeks of due date
• For the treatment of nervous or psychological problems, regardless of classification, psychiatric or psychotic condition, depression or psychosis of any kind.
• See brochure for full list of exclusions and detailed individual coverage benefits.

Exclusion in HDFC ERGO – Personal Accident Insurance Plan