I have taken HDFC ergo accidental insurance .its customer service is good .they satisfy your queries.i have not yet used for claim as I did not have any need.It covers accidental death and permanent disability. its premium is not much higher. there are many types of plans according to your pocket you can take the plan.Every paper work that was required to get the policy done very easily.not much headache for so many documents, this and that. they are very supportive.I hope same service if something bad happens to anyone.Hope it will fulfill its promises in emergency situation.