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Personal Accident insurance |
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What is an accident |
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- A sudden unforeseen unexpected event
- A physical event caused by external violent and visible means. it is covered whilst on land, aircraft or sea
- Accident is covered anywhere in India and anywhere in the world
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Different types accident care policies |
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- Accident care insurance
- Student care - school and college
- Accident trauma care
- Pra vasi bhima yojana policy
- Accident Claim intimation
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- Claim intimation thro' Call centre / Mail / Letter / Docs (Hosp.claims/Death claims/Pravasi claims)
- Insured details
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- Name of the insured
- Date of Accident
- Nature of Accident
- Hospital name
- Admission date
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Admissibility of claim under personal accident policy |
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- Accidental death
- Permanent total disability
- Permanent partial disability
- Temporary total disability
- Weekly benefit
- Hospitalization benefits
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Student care what is covered |
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- Accidental death
- Permanent total disability
- Hospitalization benefits
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Parvasi bhima yojana policy |
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- Policy is issued for employees working on contract abroad
- Policy period -2years
- Accidental death
- Permanent total disability
- Hospitalization benefits for family member of the deceased insured
- Repatriation expenses in the event of employment contingency
- Trauma Care
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- Section I
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- Accidental death
- Accidental permanent disability
- Section II
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- Hospitalization within india due to grievous injuries arising out of an accident other than work place
- Hospitalization within India due to grievous injury arising out accident in work place is covered for payment of additional premium
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Documents needed for death claim |
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- Duly completed claim form
- Death certificate from government authorities
- First information report/Medico legal case
- Postmortem report
- Panchanama
- Police inquest report / coroner's report
- Original policy copy
- Legal heir certificate / succession certificate/will duly probated where there is no assignee under the policy
- Visera report
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Documents needed for disablement |
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- Duly completed claim form & Disability certificate
- Photo of the amputated site
- Certificate from the treating doctor and percentage of disability based on the location of the amputated part from orthopedic surgeon
- Treating doctor certificate for the period of disability
- Field visit report
- Employee certificate (leave certificate)for the disability period
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