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Personal Accident Policies: Helping to protect your employees and your business
In an increasingly competitive business scenario, every organisation has to prepare for the unexpected. It applies not just to the area you operate in, but also to your employees. After all, you cannot afford to lose people, whether to illness, accidents or demotivation. HDFC ERGO General Insurance's Personal Accident Policies are designed to empower your organisation. With a choice of comprehensive insurance plans that provide peace of mind for your people and powerful incentives for you.
	Types of Personal Accident Policy
	Group Personal Accident Policy (GPA)
	You can decide the benefits you want for each class of employee.    Can be as a flat amount or a multiple of the salary.    Premiums are paid by the organisation.
	Voluntary Group Accident Policy (VGA)
	The plan is specifically designed for your organisation.    No direct cost to you as employer.    Each employee decides the level of cover they want.    Involves minimal administration and paperwork.    Premiums are directly deducted from an employee’s salary.
	Typical Benefits of a Personal Accident Policy
	Accidental Death: Covers the insured in case of loss of life in an accident. Permanent Disablement: Pays a benefit if the insured is permanently disabled in an accident.
	Optional Benefits
	Broken Bones: Pays a benefit if bodily injury results in a broken bone. Hospital Cash: Pays a daily benefit if the insured needs hospitalisation as an in-patient following an accident. Medical Insurance Premium Indemnity: Pays medical insurance premiums for the surviving spouse and dependent child, in case of accidental death of the insured covered under the policy. Reconstructive Surgery: Pays the costs of reconstructive surgery following an accident. Temporary Total Disablement: Pays a weekly benefit if an accident causes disablement that prevents the insured person from engaging in or giving attention to his/her usual occupation. Mobility Extension: Pays 95% of costs of a wheel chair, vehicle and/or lifts or ramps needed by an insured who is permanently disabled in an accident. Chauffeur Benefit: Pays a daily benefit for hire of a taxi or chauffeur driven car to maintain the insured’s mobility to meet his/her business commitments if an accident causes him/her to be partially incapacitated. In-hospital Medical Expenses: Pays a reimbursement for medical expenses incurred if the insured requires hospitalisation as an in-patient due to an accident. Emergency Medical Expenses (Accident only): Reimburses the costs of medical expenses incurred by an insured person within 12 months of the date of loss resulting from an accident. Dependent Child(ren) Education: Pays the education fees for the insured person’s dependent child(ren) if an accident causes the insured’s death within 12 months of the date of loss.
	Additional Benefits Available
	Kindly contact us for more information. The premium payable on the policy would be dependent on the additional benefits purchased. Please note that all benefits are subject to a maximum amount as stated in the policy. In addition, some benefits are subject to a deductible or a franchise which will be taken into consideration when handling a claim. These will be clearly noted in any quotation released or any policy issued.
Insurance is the subject matter of solicitation.
This content is descriptive only. Actual coverage is subject to the language of the policies as issued.