HDFC ERGO Claim Manual - Compulsory Personal Accident (Owner-Driver) under Motor Insurance Policies - Claim Process, Payment, Approval

Sep 2, 2026

Uploaded by Jacob

This claim manual outlines the end-to-end handling of Compulsory Personal Accident (Owner-Driver) under motor insurance policies by HDFC ERGO. It specifies claim intimation timelines, required documents for notification, and additional documentation when the claim amount exceeds INR 1 lakh. It details the company’s reminders for deficiencies, settlement and payment timelines, investigation windows, interest liability for delays, claim rejection communication, and provisions for medical examination. It also covers internal approval steps and bank payment processing via NEFT or cheque.

LanguageEnglish

CategoryExam

FormatPDF

Pages3

Reading Time8 min

AccessFree to download

Claim Process

Claim Intimation and Documents

Payment of Claim

Payment Approval

Upload of Claims Payment File & Receipt of Draft

| HDFC ERGO | General Insurance | | | --- | --- | --- | | CLAIM MANUAL
COMPULSORY PERSONAL ACCIDENT (OWNER-DRIVER) UNDER MOTOR INSURANCE
POLICIES
A) Claim Process: -
Claim Intimation Insured shall intimate the Claims to Company through any available mode of communication as specified in the Policy Claim Intimation Timelines Written notice of any occurrence which may give rise to a claim under this Policy must be given to the Company as soon as practicable and in any case within thirty (30) Days after such occurrence. Written Notice of Claim must be given to the Company immediately in the case of death, or within thirty (30) Days after the Date of Loss in all other cases Particulars to be provided for Claim notification 􀁸 Policy Number
􀁸 Name of the Insured Person(s) named in the Policy schedule Claims documents 􀁸 Duly Fulfilled Claim Form
􀁸 Copy of Driving License
􀁸 Doctor's Report
􀁸 First Information Report and Final Police report, wherever necessary;
􀁸 Death certificate, wherever applicable;
􀁸 Investigation Reports like Laboratory test, X-rays and reports essential of confirmation of the Injury;
􀁸 Disability Certificate or Medical Report determining disability from registered Medical Practitioner
􀁸 Legal Heir Certificate
􀁸 Post mortem report, if applicable;
􀁸 Any other supporting documents as may be required by the Company Requirement of document if Claim amount greater than 1 Lakh 􀁸 PAN Card
􀁸 Address Proof
􀁸 Any other supporting document
B) Payment of Claim
i. If there are any deficiencies in the necessary claim documents which are not met or are partially met, the Company will send a maximum of 3 (three) reminders following which the Company will send a closure letter or make a part-payment if the Company has not received the deficiency documents after 45 days from the date of the initial request for such documents
HDFC ERGO General Insurance Company Limited. IRDAI Reg. No.146. CIN: U66030MH2007PLC177117 . Registered & Corporate Office: 6th Floor, Leela Business Park, Andheri-Kurla Road, Andheri (East), Mumbai – 400 059. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Customer Service No.022/0120-6234 6234 (*Call charges may apply) | [care@hdfcergo.com |](care@hdfcergo.com | www.hdfcergo.com)[ ](care@hdfcergo.com | www.hdfcergo.com)[www.hdfcergo.com](care@hdfcergo.com | www.hdfcergo.com).
HE/RL/Motor-1/161/Compulsory Personal Accident (Owner-Driver) under Motor Insurance Policies/HE/RL/Motor-1/161/UIN
IRDAN125RP0010V01201819 .
CLAIM MANUAL
1 | | | | HDFC ERGO | General Insurance | | | --- | --- | --- | | ii. On receipt of all the documents and on being satisfied with regard to the admissibility of the claim as per policy terms and conditions, the Company shall offer within a period of 30 days a settlement of the claim to the Insured.
iii. Upon acceptance of an offer of settlement by the Insured, the payment of the amount due shall be made within 7 days from the date of acceptance of the offer by the Insured. In the cases of delay in the payment the Company shall be liable to pay interest at a rate which is 2% above the bank rate prevalent at the beginning of the financial year in which the claim is reviewed by it.
iv. However, where the circumstances of a claim warrant an investigation, the Company will initiate and complete such investigation at the earliest, in any case not later than
30 days from the date of receipt of last necessary document. In such cases, the Company will settle the claim within 45 days from the date of receipt of last necessary document. In case of delay beyond stipulated 45 days, the Company will be liable to pay interest at a rate which is 2% above the bank rate from the date of receipt of last necessary document to the date of payment of claim.
v. If the Company, for any reason decide to reject the claim the reasons regarding the rej

FAQs

What is the timeline for intimating a claim to HDFC ERGO?

The insured must intimate the claims as soon as practicable and within 30 days after the occurrence. Written notice must be given immediately in case of death, and within 30 days after the Date of Loss in other cases.

What documents are required for claim notification?

The manual lists items such as policy number, insured person details, duly fulfilled claim form, copy of driving license, doctor’s report, FIR and final police report where necessary, death certificate where applicable, investigation reports, disability certificate/medical report, legal heir certificate, post mortem report if applicable, and any other supporting documents.

What happens if claim documents are deficient or the payment is delayed?

If documents are deficient or partially met, HDFC ERGO issues up to 3 reminders, then may send a closure letter or make part-payment if deficiencies are not received after 45 days from the initial request. For delays, the company may be liable to pay interest at 2% above the bank rate as specified in the manual.

Sep 2, 2026

Uploaded by Jacob