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How to Buy Personal Accident Insurance Online?

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Accident happens uninformed. It can occur anywhere, while you are travelling or performing regular chores at your home. The aftermath of an accident can result in injury and disablement. Therefore one must safeguard themselves against accidents and other mishaps with personalaccidentinsurance policy.

What is Personal Accident Insurance?

Personal accident insurance policy is a complete financial security to the policyholder against unfortunate events such as accidental death, accidental bodily injuries, and partial/total disabilities, permanent as well as temporary disabilities resulting from an accident. In the case of accidental death of the policyholder, the nominee gets 100% compensation from the insurance company.

What are the Benefits of Personal Accident Insurance Policy?

For example, you meet with an unfortunate accident where you are hit by a motor vehicle and are permanently disabled. This would impact your monthly or annual earnings, EMIs, medical expenses, and other expenditure. In such an emergency situation, if you have a personal accident cover, it makes a huge difference. Here’s some of the major advantages of buying a personal accident insurance policy:

• Family security

• No medical tests and documentation required

• Extensive coverage at a lower premium

• Both individual and family plans are available

• Hassle-free claim process

• Legal and funeral expenses are covered

• Child education benefit

• Double indemnity for demise/ impairment while traveling in public transport

• Availability of customizable plans

How to Buy Personal Accident Policy Online?

Buying personal accident insurance online is very simple and convenient. The following steps need to be followed:

Step 1:

Visit www.hdfcergo.com and click on personal accident to be directed towards finding quotes or buy online option. Click on the buy online tab to be directed to a secured webpage.

Step 2:

• Plan (self or self + family). If self is selected then the plan would cover the individual alone. If self + family option is selected then the plan would covers the insured, his/her spouse and up to 2 dependent children. In the self + family option one can also include the dependent parents by paying some extra premium.

• Total sum insured - Dependent parents to be insured. The available options are- none, father, mother or both.

• Date of birth - The buyer has to be above 18 yrs of age.

• Click on calculate premium button. The detailed and customized breakup of the premium of the plan will be displayed depending on the information provided. If you are willing to pay the displayed sum as premium towards the policy, click on the proceed button.

Step 3:

The next tab is ‘fill details’. As the tab name suggests here, you have to fill in personal details such as name, contact details (mobile number, residence number and email id.) and address. Depending on the type of plan, you will also be required to give information related to the other family members and dependent parents who have to be included in the personal accident policy. If no one other than the self has to be included then there is no requirement for the details of other family members.

Step 4:

After carefully examining the entered details and reading the terms and conditions and also accepting them one has to select the mode of payment. Multiple options of making premium payments through net banking, via debit or credit card along with the EMI method of payment are available to choose from.

Conclusion

A personal accident insurance policy offers financial support to the policy-holder in case of accidental disabilities, irrespective of the intensity of the incident. Compensation is provided to the insured against accidental demise, impairment, and dismemberment because of an accident.

Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.

RELATED ARTICLES

How Does The Personal Accident Insurance Policy Work?

How Does Having A Personal Accident Insurance Policy Benefit You?

Key factors to be considered while buying personal accident insurance in India

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