Disability Cover Due To Accident - The personal accident insurance policy provides that, if at any time during the policy period, the insured (person who has taken the policy) shall sustain any bodily injury resulting solely and directly accident caused by external violent and visible means, then the insurance company shall pay to the insured, the sum or sums set, forth, in the policy, if resulting in specified contingencies such as permanent disablement etc.
About Our Data
Employer VerifiedUpdated Jul 1, 2026805 employees reported this benefit
Share your experience with Disability Insurance at HCLTech
Check out your Company Bowl for anonymous work chats.
Bowls
Get actionable career advice tailored to you by joining more bowls.
Followed companies
Stay ahead in opportunities and insider tips by following your dream companies.
Job searches
Get personalized job recommendations and updates by starting your searches.
Benefits reviews
1-10 of 48 Reviews
4.0
Jul 1, 2026
4.0
Jun 19, 2026
4.0
May 31, 2026
3.0
May 12, 2026
5.0
Dec 9, 2025
Anonymous Consultant
4.0
Nov 19, 2025
5.0
Nov 10, 2025
Anonymous Technical Lead
4.0
Sep 29, 2025
4.0
Aug 23, 2025
4.0
Aug 6, 2025
Anonymous Specialist
Former
Bengaluru (India), Karnataka
Ot covers 2× of your ctc as disability. This part to be confirmed with recent policy
Anonymous Senior Technical Lead
Current
Bengaluru (India), Karnataka
No idea, but n in USA it covers 60% of basic pay
Anonymous employee
Former
Coimbatore (India), Tamil Nadu
The best thing about disability insurance at HCLTech is its generous income replacement, reaching up to 70-100% of base pay depending on your band and the specific plan (e.g., Short-Term Disability)