HDFC ERGO Personal Accident Policy - Compare Features and Benefits
Buy Now
Summarize with
ChatGPT Claude Perplexity
HDFC ERGO Health Insurance HDFC ERGO Health Insurance ★ 4.4

HDFC ERGO Personal Accident Insurance

Comprehensive health insurance covers road traffic accidents, broken b ...Read More

Up to 2 Cr
Sum insured
1
No. of plans
200+
Pan India presence
95.30%
Claim settlement ratio
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,708 reviews
🏥 15,000+ hospitals
📊 2.00 solvency ratio
✅ 95.30% claim settlement

Comprehensive health insurance covers road traffic accidents, broken bones, burns (even 2nd and 3rd degree), ambulance charges, and hospital cash.

Why Do We Recommend This?
  • Permanent Total Disability
  • Accidental OPD expenses
  • Air ambulance cover

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
18 to 65 years
Plan type
Individual
Sum insured options
₹20 L, ₹50 L, ₹1 L, ₹2 L, ₹5 L, ₹10 L
Waiting period
None
Renewability
N/A
Policy term
1/2/3 years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Accidental Death
  • Permanent Total Disability
  • Broken Bones
  • Burns

Cons

  • Breach of law
  • Pregnancy or childbirth
  • Self-inflicted injury

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Not covered
  • Post-hospitalization Not covered
  • Domiciliary hospitalization Not covered
  • Day-care treatment Covered
  • OPD charges Not covered
  • Covid-19 treatment Not covered
  • Cataract Not covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Not covered
  • Organ donor expenses Not covered

Modern & preventive care

  • Modern treatment Not covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Not covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Not applicable
  • Sub-limits Not applicable
  • Compassionate travel Not covered
  • Global coverage Covered

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

HDFC Ergo Health Insurance plans

HDFC Ergo Health Insurance plans

Welcome to PolicyX's YouTube Channel - your go-to destination for all things health insurance! Explore into expert insights, comprehensive coverage, and seamless solutions offered by HDFC ERGO.

HDFC ERGO Health Insurance Network Hospital List

HDFC ERGO Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, HDFC ERGO Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry Age: 18: 65 years
  • Policy Term: 1/2/3 years
  • Initial Waiting Period: None
  • Sum Insured: 20 L: 10 Cr

Frequently Asked Questions

The 5 most-asked questions about HDFC ERGO Personal Accident Insurance, answered.

It covers hospitalisation expenses and provides hospital cash benefits, related to accidental injury, disability, accidental death lump sum payout, burns, broken bones and fracture treatment expenses of the insured and the covered family members.
You can get coverage for your elderly parents by adding them to your policy. The maximum age limit for adding parents is 70 years.
There is no waiting period for claiming this policy. Since it’s an accidental coverage-specific plan, it covers all the accidental conditions from day 1 of buying the policy.
Yes, this plan is designed in such a way that if the policyholder dies due to an event of an accident, it will provide a lump sum payout for financial stability and even support the insured’s family with loan security, etc.
Yes, accidental causes can be addressed and the benefit of this policy can be availed within and outside India as well.

Conclusion

A strong accident insurance plan with global coverage and income support, but it does not replace a

Explore HDFC ERGO Health Insurance

Health Insurance Articles

Health Insurance Premium Calculator

PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. Input your details and find the most suitable health insurance policies for your requirements.

Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 1 Jun 2026 · Originally published: 4 Nov 2024

Compare Health Insurance Plans

Select a company and plan for each side to see a detailed side-by-side comparison.

Other Health Insurance Companies

Star Health Insurance Care Health Insurance Aditya Birla Health ICICI Lombard Health Bajaj Allianz Health Tata AIG Health SBI Health Insurance Niva Bupa Health Insurance

Share your Valuable Feedback

Rating Icon 4.4

Rated by 2,683 customers

Was the Information Helpful?

Select Your Rating

We would like to hear from you

Let us know about your experience or any feedback that might help us serve you better in future.

Reviews and Ratings

Do you have any thoughts you'd like to share?

📞 Call Free