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Apply for our accident plan

  • Benefits
  • Features
  • Coverage
  • Exclusions
  • Claims Procedure
  • Important Documents

Personal Accident : Benefits

  • Expenses incurred for carriage of dead body of insured (death due to accident only) to place of residence subject to a maximum of 2% of capital sum insured or Rs.1,000/- , whichever is lower.
  • Medical expenses arising out of an accident up to 10% of Capital Sum Insured or 40% of the admissible claim whichever is lower at an additional premium of 20% of basic premium.
  • Education Fund: Education fund for the dependent children of the insured following death or permanent total disablement as detailed below:
  • If the insured has one dependent child below the age of 23 years, an amount equal to 10% of the Capital Sum Insured subject to a maximum of Rs.5,000/-
  • If the insured has more than one dependent child below the age of 23 years, an amount equal to 10% of Capital Sum Insured subject to a maximum of Rs.10,000/-.

Personal Accident : Features

Benefit Number Description Table Benefits covered
1 Death only …. 100% 1 1
2 Loss of two limbs, two eyes or one limb and one eye 100%
3 Loss of one limb or one eye … 50%
4 Permanent Total Disablement from injuries other than those named above (PTD … 100% 1A 1 to 4
5 Permanent Partial Disablement II 1 to 5
6 Temporary Total Disablement at 1% of CSI up to 104 weeks (Max. weekly benefits not to exceed Rs.5,000/-) III 1 to 6

Expenses incurred for carriage of dead body of insured (death due to accident only) to place of residence subject to a maximum of 2% of capital sum insured or Rs.1,000/- , whichever is lower.

Medical expenses arising out of an accident up to 10% of Capital Sum Insured or 40% of the admissible claim whichever is lower at an additional premium of 20% of basic premium.

Education Fund: Education fund for the dependent children of the insured following death or permanent total disablement as detailed below:

If the insured has one dependent child below the age of 23 years, an amount equal to 10% of the Capital Sum Insured subject to a maximum of Rs.5,000/-

If the insured has more than one dependent child below the age of 23 years, an amount equal to 10% of Capital Sum Insured subject to a maximum of Rs.10,000/-.

Personal Accident : Coverage

  • The policy will pay for Death and disability of the person.

Personal Accident : Exclusions

  • Suicide, Insanity, Pregnancy, War, War like situation, Armed forces, any work related to Aviation.

Personal Accident : Claims Procedure

Upon the happening of any event which may give rise to a claim under the policy, written notice with full particulars must be given to the company immediately. In case of death, written notice shall be given before interment, cremation and in any case, within one calendar month after the death. In the event of loss of sight or hearing or amputation of limbs or permanent total disablement, written notice must be given within one calendar month after such loss.

Necessary documents should be submitted to the company along with completed claim form within 30 days after date of such loss. The company shall accept claims where documents have been provided after a delayed interval only in special circumstances and for the reasons beyond the control of the insured.

Evidence as the company may require from time to time shall be furnished within 14 days after demand in writing.

In case of death, permanent total disablement, loss of two limbs or one limb and one eye, the claim shall be paid on submission of policy for cancellation and discharge.

In the case of loss of one limb or eye, permanent partial disablement, the claim shall be paid only on submission of the policy for reduction of the capital sum insured by the amount admissible under the claim.

In case of temporary total disablement, the claim shall be paid only upon termination of such disablement.

कॉलबैक अनुरोध

कृपया यह विवरण भरें, ताकि हम आपको वापस कॉल कर सकें और आपकी सहायता कर सकें.

चयन करें General Insurance Type
  • CholaMS Group Health Insurance
  • Tata AIG Medicare
  • National Mediclaim Policy
  • National Super Top Up Policy
  • Arogya Sanjeevani Policy - National
  • Auto Secure Private Car Package Policy
  • National Mediclaim Plus Policy
  • ऑटो सिक्योर दुपहिया वाहन पैकेज पॉलिसी
  • Burglary Insurance
  • चोला एमएस वाहन बीमा
  • House Holders Insurance Policy
  • Personal Accident
  • National Parivar Mediclaim Plus Policy (Floater Policy)
  • Shopkeepers Insurance
  • Two Wheeler
  • Travel Guard by TATA AIG
  • AIGC business guard
  • ओवरसीज मेडिक्लेम व्यापार और अवकाश
  • Overseas Mediclaim Employment and Studies
  • Others

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