HDFC ERGO Personal Accident Insurance

Features and benefits

Accidents are uncertain and can affect your family's savings and financial planning. HDFC ERGO Personal Accident Insurance reassures your family of the added protection and financial security that they require at such a crucial time.


Age Criteria: 18 years to 80 years
Accidental Death
Accidental Hospitalization
Family Cover Option: Self & Family
Dependent Child Education Benefit.
Coverage available are `25 Lakhs, `50 Lakhs and `75 Lakhs.
Permanent Disability (PTD+PPD)
Policies can be issued for 2 years or 3 years
Temporary Total Disability (Up to 104 weeks)
Life Long Renewability


  • Age – Adult 18 to 80 year, child: 91 Days to 21Year

  • Sum Insured- 25 lac, 50 lac & 75 lac

  • Policy Member – Self, Spouse & 2Kids

Contact us

In case of an Insured event giving rise to a claim under the Policy, the insured should immediately intimate the company on the below mentioned contact details.

  • Customer Service No: 18002666400
  • Email:

Terms and conditions

Disclaimer: The above information is only indicative in nature. For details of the coverage and exclusions please refer to the policy wordings. Liability of the Company does not commence until the Company has accepted the proposal and the full premium has been paid.

Anti-Rebating Warning : As per Section 41 of the Insurance Act 1938, as amended, the practice of rebating is prohibited, as follows: No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out or renew or continue an insurance policy in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectus or tables of the insurer. Violations of Section 41 of the Insurance Act 1938, as amended, shall be punishable with a fine which may extend to 10 Lakhs.


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

  • If You have any objections to any of the terms and conditions, You have the option of cancelling the Policy stating the reasons for cancellation and You will be refunded the premium paid by You after adjusting the amounts spent on any medical check-up, stamp duty charges and proportionate risk premium.

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

  • All Your rights under this Policy will immediately stand extinguished on the free look cancellation of the Policy.

  • Free look provision is not applicable and available at the time of renewal of the Policy.

Buy Online

“ On clicking the “BUY NOW” option, you will be re-directed to a third party web site. This is purely a referral service and is provided on a non-participation basis. Federal Bank is only facilitating access to the services of Insurer and the same is in no context a service offered by the Bank. By clicking the above link, you are accepting these terms and will be re-directed to the website of Insurer as per your request. Necessary fees may have to be paid by you to Insurer for availing the services. Please note that by clicking the “BUY NOW” option, you will be leaving Federal Bank's website and our policies, terms and conditions, disclaimers etc., will cease to apply once you leave our website. Federal Bank and its affiliates, subsidiaries, employees, officers, directors and agents shall not be responsible in any manner whatsoever for confidentiality of the data shared by you and for any loss, damage, costs & charges, direct or indirect incurred by you, arising out of or in connection with your access to the website of Insurer or for any deficiency in the services of Insurer or for the failure or disruption of the Insurer website. The use by you of any service, products or information hosted on the website of Insurer shall be at your sole risk and discretion. The information available on the said website is subject to change, updation, revision, verification and amendment without notice and such information may change materially. Grievances & concerns in this regard shall be reported to Insurer and settled accordingly, without recourse to the Bank.”

Buy Now

HDFC Ergo Personal Accident Insurance Disclaimer

HDFC Ergo Personal Accident Insurance Disclaimer

HDFC ERGO General Insurance Company Limited. IRDAI Reg. No.146. CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. For more details on the risk factors, terms and conditions, please read the sales brochure/ prospectus before concluding the sale. The above mentioned product is underwritten by HDFC ERGO General Insurance Company Limited. The Federal Bank Limited (Federal Bank Ltd, Federal Towers, Aluva, Kerala, India – 683101.) is an authorized corporate agent of HDFC ERGO General Insurance Company Limited. IRDAI License No.CA0227.UIN: Personal Accident Insurance - IRDA/NL-HLT/HDFC-ERGOGI/P-H/V.I/257/13-14. UID: 4316.

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