HDFC ERGO Personal Accident Plan 

Life is truly unpredictable. One moment you may be living is and the next moment you may meet with an accident. Accidents can happen at any time and anywhere Accidental Insurance or personal accident insurance provides protection in case of death and injuries resulting from an accident. This policy guards an individual only in the event of the accident. Accident death, permanent total disablement, broken bones and burns get covered under HDFC ERGO Personal accident death. HDFC ERGO’s Personal Accident Cover ensures financial stability for you and your family in the event of an accident. The policy is specially designed to provide financial assistance to you and your family for dealing with the aftermath of the accident. His insurance plan gives financial security when it is much needed. You can also choose to extend the coverage to your family members under a single plan.

HDFC ERGO Personal Accident Plan Features

1. Sum Insured ranges between Rs.2.5 lakhs to Rs.15 lakhs

2. Insurance with no boundary limits

3. Worldwide Coverage 

4. Family can be covered under one plan

5. 24x7 support 

6. Hassle free process

7. No health checkup required

HDFC ERGO Personal Accident Plan Covered 

HDFC ERGO’s Personal Accident Cover ensures financial stability for you and your family in the event of an accident. The policy is specially designed to provide financial assistance to you and your family for dealing with the aftermath of the accident i.e death, severe injuries and bodily burns. These are the following HDFC ERGO Personal Accident Plan that covered i.e.

1. Accidental Death

2. Permanent and Temporary disablement: 

3. Broken Benefit

4. Ambulance Cost

5. Animal Attack Extension

6. In-hospital Surgery

7. In-hospital Medical Expenses

8. Emergence Medical Expenses

9. Burns

10. Hospital Cash and Home Convalescence

HDFC ERGO Personal Accident Plan Not Covered 

The following points are not covered for HDFC ERGO Personal Accident Plan i.e.:

1. Intentional acts

2. Injuries from Civil or Foreign Wars

3. Accidents resulting due to Alcohol/Drug influence

HDFC ERGO Personal Accident Plan Eligibility Criteria 

Before applying for a ERGO Personal Accident Plan from the HDFC Bank, you should fulfil all basic eligibility criteria as prescribed by the bank. You will get your insurance very soon if you meet all the required eligibility criteria once the documentation is done.

Age Group

18 Years to 65 Years and Parents up to 70 years

Renewal Age

Life Long Renewal

Sum Insured

Rs. 2.5 Lacs to Rs. 15 Lacs

Policy Tenure

1 Year 

Family Definition

Individual & Family - (Self 100%), (Spouse - 100%), (Dependent Children (max 2) - AD & PTD - 10% of SI, Hospital Cash - 50%), (Parents - AD, PTD covered up to Rs. 2.5 Lacs)

HDFC ERGO Personal Accident Plan Documents Required 

Any applicant who is applying for a ERGO Personal Accident Plan from the HDFC Bank, you must have to submit the following documents. These documents are the requirements for the lenders who are providing you the accident plan..

1. Identity proof

2. Age proof

3. Address proof

4. Income proof

5. Photographs

6. Aadhar Card

7. PAN Card

HDFC ERGO other products 

1. HDFC ERGO Car Insurance

2. HDFC ERGO Cancer Insurance

3. HDFC ERGO Health Suraksha Insurance

4. HDFC ERGO Standard Life Insurance

5. HDFC ERGO Two Wheeler Insurance

HDFC ERGO Personal Accident Plan File Claim

The following steps guide to file a claim for HDFC ERGO Personal Accident Plan i.e.:  

1. Visit the official website of HDFC ERGO

2. Click ‘CLAIM’ on the given page

3. Tap on ‘Personal Accident’ and the click on ‘Register Claim’

4. Enter your policy number/ mobile number/ Email-id and click ‘GO’

5. After this, you will receive OTP for verification on your register mobile number

6. Enter your details and attach the relevant documents

7. The concerned authority will go through all documents and verify them

8. Post verification, the insurance company will transfer the amount to the registered account

HDFC ERGO Personal Accident Plan Customer Care 

Contact Number = 18002700700 / 1800226226

Email-Id = care@hdfcergo.com

HDFC ERGO Personal Accident Plan Renew

The following steps to renew your HDFC ERGO Personal Accident Plan i.e.:  

1. Visit the official website of HDFC ERGO and click ‘Renew’

2. Enter your policy number/ mobile number/ Email-id and click ‘Renew Now’

3. Check all the policy details

4. Make payment and save the receipt after you get payment confirmation on your registered email id and mobile number 

HDFC ERGO Personal Accident Plan Pay Premium 

There are three modes of HDFC ERGO Personal Accident Plan for payment of premium i.e. :

1. By cash or cheque collection 

2. By direct online payment

3. You can sign a debit mandate at time of signing the policy, thus your premium will be deducted automatically from the bank account

Bank offered financial products 

Accident Insurance

Car Insurance

Cancer Insurance

Health Insurance 

Life Insurance

Term Insurance

Travel Insurance

Two-Wheeler Insurance

HDFC ERGO Personal Accident Plan Frequently Asked Questions 

1. What is the minimum age required of the applicant to get a HDFC ERGO Personal Accident Plan?

The minimum age required of the applicant is 18 years to get a HDFC ERGO Personal Accident Plan.

2. How to pay the premium of HDFC ERGO Personal Accident Plan?

You pay the premium of HDFC ERGO Personal Accident Plan is :

  • By cash or cheque collection 

  • By direct online payment

  • You can sign a debit mandate at time of signing the policy, thus your premium will be deducted automatically from the bank account

3. What is the minimum sum assured of HDFC ERGO Personal Accident Plan?

The minimum sum assured of HDFC ERGO Personal Accident Plan is Rs.2.5 lakh.

4. What is an accident? 

Accident means any sudden or unexpected event, which leads to a permanent physical disability or accidental death. 

5. When does my HDFC ERGO Personal Accident policy start? 

The will be commenced within 15 days from the date of receipt of form & premium payment

6. What is the maximum age required of the applicant to get a HDFC ERGO Personal Accident Plan?

The maximum age required of the applicant is 65 years to get a HDFC ERGO Personal Accident Plan.

7. How much age is required for the parents in HDFC ERGO Personal Accident Plan?

The age required for the parents is upto 70 years in HDFC ERGO Personal Accident Plan

8. Is there any complaint number and email-id for HDFC ERGO Personal Accident Plan?

Yes, the complaint number is 18002700700 and the email id is care@hdfcergo.com of HDFC ERGO Personal Accident Plan.

Know More About

Hdfc Ergo Personal Accident Plan

You're eligible for a Hdfc Ergo Personal Accident Plan if you:


Are legally adult enough to handle it


Have still got it


Get a regular pay check


Make more than a basic buck

Your eligibility depends on:


Earn more than minimum income required


Maximum allowed Accident Insurance is Rs. 10K to Rs. 45 lakhs


EMIs of other loans loweryour eligibility

Boost your eligibility by:


Pay off your credit card bills


Choose longer tenure loan up to 5 years

Nothing gets done without that paperwork (which we'll happily carry over to the bank for you, no sweat). Here's what you'll need:

  • 1. Photo ID and age proof
  • 2. Signed application form with photograph
  • 3. Residence proof
  • 4. Last 6 months bank statement
  • 5. Documentation for salaried applicants:
    • Last 3 months salary - slips
    • Form 16 or Income Tax Returns
  • 6. Documentation for self-employed applicants:
    • Last 3 years Income Tax Returns with computation of Income
    • Last 3 years CA Certified / Audited Balance Sheet and Profit & Loss Account