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New India Assurance Personal Accident Policy is a simple health insurance plan that provides compensation in case the insured is deceased or disabled resulting from an accident. The policy operates 24/7 worldwide, offering various coverage options including death, permanent disability, and temporary total liabilities. It also offers a family package cover, group cover, war risk coverage, and optional add-on covers. In this article, we will explore key features and exclusions of the policy.
| PLAN DETAILS |
New India Personal Accident Policy |
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Hdfc Ergo Personal Accident Policy |
| Product Type | Accident Health Insurance | Individual |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
- | Not covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
- | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
- | Not covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
- | Not covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
- | Not covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
- | Covered |
| Hospital_network (Number of Hospital Network in city) |
3000 | 15000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
- | Not covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
- | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
- | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
- | Not covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
- | Not covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
- | Not covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
- | Not applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
- | Not applicable |
| Plan Entry Age | 5 to 70 Years | 18 to 65 years |
| Plan Premium Entry Age and S/A | 135 | 1145 |
| Plan Waiting Period | N/A | None |
| Plan Coverage | - | Accidental death benefit, permanent disability cover, temporary disability income, accidental hospitalization cover |
| Plan Sample Premium | - | 1145 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | N/A | 1/2/3 years |
| ICU Charges | - | Covered |
| Covid-19 Treatment | - | Not covered |
| Cataract | - | Not covered |
| Automatic Restoration | - | Not covered |
| Ayush Treatment | - | Not covered |
| Modern Treatment | - | Not covered |
| E Consultation | - | Not covered |
| Air Ambulance | - | Not covered |
| Global Coverage | - | Covered |
| Claim Ratio | 90.73 | 95.30 |
| Solvency Ratio | 1.91 | 2.00 |
|
HDFC Ergo Health Insurance plans |
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