Group Personal Accident Insurance

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GROUP PERSONAL ACCIDENT POLICY accident policy is available to provide for payment of compensation in the event of members of your group:

  • Sustaining injury, disablement (permanent total, permanent partial and temporary total) or death arising out of accident
  • Main Exclusions
    • Self injury, suicide, venereal disease or insanity
    • Influence of intoxicating liquor or drugs
    • Death due to pregnancy or childbirth
    • Breach of law with criminal intent
    • War and nuclear group of perils
    • On duty with armed forces
  • You Must Note
    • That group policies can be given to firm, company, association and clubs on named basis where all members must be included
    • That group discount is allowed on size of group at inception of the policy
    • Additions and deletions can be done during currency of policy for people joining and leaving
    • The cover is normally available on 24 hour coverage basis
    • We can offer you discount if you restrict the cover to your employees for on duty cover only or for off- duty cover only
    • Other benefits like expenses for ambu1ance charges, damage to clothes, loss of employment, expenses for carriage of dead body are admissible- following an accident subject to a limit
    • Education fund for dependent child is admissible in case death or permanent total disablement
  • Documents required for settlement of claims
    • Claim form
    • Doctors report, bills in case of temporary/permanent disablement
    • Police report/post mortem report in case of accidental death
    • The cover is normally available on 24 hour coverage basis
    • Leave certificate from employer in case of temporary disablement
    • Other documents as per the Insurance Company's request.