• Introduction
  • What's included?
  • What's not included?

Saral Suraksha Bima, HDFC ERGO


Accidents shatter people emotionally, physically and financially, draining away lifelong savings. To offer financial assistance during such traumatic times, we offer Saral Suraksha Bima, HDFC ERGO a standard personal accident plan to help you sail through steadily during these times. This health insurance policy offers lump-sum compensation to cover accidental death, permanent total disablement or permanent partial disablement. To secure your family’s day to day life routine in your absence, it’s essential to get Saral Suraksha Bima, HDFC ERGO.

What’s included?

Accidental Death

A major accident can cause death. Our policy provides up to 100% of the sum insured in case the insured loses his/her life in an accident.

Permanent Total Disability
Permanent Total Disability

Major accidents decide fate. We provide 100% of the base sum insured in case of permanent total disablement due to an accident.

Broken Bones
Permanent Partial Disablement

If the accident cases a permanent partial disablement of the insured person , this policy provides benefits as per the PPD table.

Optional Covers


Hospitalisation Expenses due to Accident

Get up to 10% of the base sum insured on an indemnity basis covering Room, Boarding, Nursing Expenses , ICU and consultation, Surgeon fees,diagnostics, also includes expenses incurred on hospitalization due to accident, under AYUSH systemsof medicine.


Temporary Total Disablement

Get 0.2% of base sum insured per week, max up to 100 weeks in case of temporary total disablement. This is over and above your actual sum insured.


Medical Expenses

Get covered for other expenses necessitated due to injury for dental treatment, plastic surgery, Daycare treatments under Hospitalisation Expenses due to Accident


Educational grant

We give you 10% of the base sum insured per child for completing their education.


Cumulative Bonus

Get 5% of the base sum insured, max up to 50% for each claim-free year.


Road Ambulance Cover

Get a maximum up to ₹2000 per hospitalisation for ambulance facilities.

What’s not included?


Our policy does not cover any claim that are caused due war, warlike occurrence or invasion, acts of foreign enemies, hostilities, civil war, rebellion, revolutions, insurrections, mutiny, military orusurpedpower, seizure, capture, arrest, restraints and detainment of all kinds.

Self-inflicted injuries
Self-inflicted injuries

Our policy does not cover injuries or death caused due to intentional self-injury, suicide or attempted suicide.

Participation in defense operations

Our policy does not cover injuries or death caused due to ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fue lo from any nuclear waste from combustion of nuclear fuel.

Venereal or Sexually transmitted diseases
Willful Participation

We do not cover death or injuries arising out of the insured Person's actual or attempted commission of or willful participation in an illegal act or any violation or attempted violation of the law.


Saral Suraksha Bima, HDFC ERGO UIN: HDFPAIP21624V012021

To buy or know more about the product call us on 022 6242 6242

The above-mentioned inclusions, benefits, exclusions and waiting periods are in gist and is for illustrative purpose only. To know more about the product, its waiting periods and sum insured for medical treatments, please refer to the policy wordings.

Awards & Recognition