Quote Form

Our representative will call you within few minutes
Health Insurance 9840 views January 9, 2021
Do you know there is an insurance plan that can help you in different situations? Well, HDFC ERGO Sarv Suraksha Plan is that thing. It is a comprehensive package insurance policy with which you can get cover for Loans, Mortgage Companies, financial complexities that might arise due to job loss, critical illness, accident, etc. Sounds good! But you would want to know more about the policy, such as its features, coverage benefits, policy term, the sum insured, eligibility criteria, etc. Read on to know the same.
Table of Contents
HDFC Sarv Suraksha Plan can be a one-stop solution for all your problems related to Health, Vehicles, Loss of Job, Loans, etc. But what are those benefits that can make you choose this plan from HDFC ERGO without any second thought? Well, we are showing some of the key features of the HDFC ERGO Sarv Suraksha Plan. Have a look!
One of the important things that individuals want to know when choosing a Policy is the Coverage Period. In the case of the HDFC ERGO Sarv Suraksha Plan, the single policy can be issued for a total of 6 months up to a maximum of 5 years.
You can enjoy the benefits under different sections of the HDFC ERGO Sarv Suraksha Plan. Each section provides different coverage benefits that you could check below.
Critical illnesses covered under HDFC ERGO Sarv Suraksha Plan are –
In case the insured face any bodily injury due to an accident during the policy period, the policy will pay the amount as applicable. The coverage will be provided in case of death, permanent total disability and permanent partial disability resulting from an accident.
Coverage for Death – If the accidental bodily injury causes the death of the insured within 12 months from the date of accident, the company will pay the sum insured. In addition, the company will pay 2% of the sum insured or INR 5,000, whichever comes lower, for the transporting the remains of the insured from the place of death to the hospital/residence/cremation/burial ground.
Coverage for Permanent Total Disability – If the accident causes permanent total disability of the insured within 12 months of facing the bodily injury, the company will pay 125% of the sum insured. In case the insured had permanent total disability prior to the date of facing an accidental bodily injury, the coverage amount will reduce to the extent of the same.
Coverage for Permanent Partial Disability – If the insured faces permanent partial disability within 12 months of facing the accidental bodily injury, the company will pay the compensation as per the below table.
Outcomes Due to Accidental Bodily Injury | Scale of Compensation (As % of the Sum Insured) |
---|---|
Death | 100 |
Loss of sight on both eyes | 125 |
Loss of Both Feet | 125 |
Loss of Both Hands | 125 |
Loss of One Hand and One Foot | 125 |
Loss of One Eye One Hand | 125 |
Loss of One Eye One Foot | 125 |
Other Total Permanent Disablement | 100 |
An Arm at the Shoulder Joint | 70 |
An Arm Above the Elbow Joint | 65 |
An Arm Beneath the Elbow Joint | 60 |
A Hand at the Wrist | 55 |
A Thumb | 20 |
An Index Finger | 10 |
Any Other Finger | 5 |
A Leg Above Mid-thigh | 70 |
A Leg Upto Mid-thigh | 60 |
A Leg Upto Beneath the Knee | 50 |
A Leg Upto Mid-calf | 45 |
A Foot at the Ankle | 40 |
A Large Toe | 5 |
Any Other Toe | 2 |
Any Eye | 50 |
Hearing Loss on One Ear | 30 |
Hearing Loss on Both Ears | 75 |
Sense of Smell | 10 |
Sense of Taste | 5 |
When we talk about theHDFC ERGO premium, it depends on the Sum Insured and the policy term. On the other hand, the maximum sum insured amount will vary according to the section chosen by you. We are providing them in the below table. Have a look!
Section | Cover Section | Maximum Sum Insured (In INR) |
---|---|---|
Section 1 | Critical illness | 15,00,000 |
Section 2 | Personal Accident | 75,00,000 |
Section 3 | Accidental Hospitalization | 10,00,000 |
Section 5 | Credit Shield | 75,00,000 |
Section 6 | Householders Cover | 15,00,000 |
Section 7 | Garage Cash | 500 per day up to a maximum of 7 days |
We are showing a few important conditions related to this policy from HDFC ERGO below. Check it!