An injury or a disability caused by an accident can leave the person physically and financially distressed. An accidental death, on the other hand, could leave the person’s family helpless. Reliance General’s Personal Accident Plan has been created to financially aid the injured individual and his/her family during such critical times. It is a simple and beneficial plan that provides benefits for accidental death and accidental disabilities. The documentation process is hassle-free, and round the clock insurance protection is provided by the company.
The insurer mentions who can be covered in the policy.
The policy has certain special features that make it one of the best personal accident plans.
The policy offers a host of benefits that the policyholder can utilise throughout the term of the policy.
|Death benefit||Upon accidental death of the insured individual, 100% of the sum insured will be provided to the nominee.|
|Permanent Total Disability benefit||
|Permanent Partial Disability benefit||In case of permanent partial disability caused by an accident, a certain percentage of the sum insured, as mentioned in the policy, will be provided.|
|Transportation benefit||In case of accidental death, the transportation expenses incurred on transporting the mortal remains to the individual’s residence are reimbursed, up to a maximum of Rs.2,500.|
|Education fund benefit||If the parent policyholder expires due to an accident, an education fund is provided for two children.|
The insurer specifies certain conditions for which coverage will not be offered.
If an individual wishes to raise a claim for a certain injury, he/she should notify the insurance company about the accident or injury at the earliest. The notification can be a call or a written notice. In case of death, or loss of sight, or loss of a limb, a written notification is required. Here is the list of documents that need to be submitted at the time of claim intimation:
In addition to the above-mentioned documents, any other document as requested by the insurer needs to be submitted.
The policyholder, the insured individual, or the nominee is required to submit the following documents when he/she raises a claim:
Any other document that is requested by the insurer apart from the above-mentioned documents will need to be submitted. The insurer will then process and verify the claim. The insured individual may be medically examined by an agent of the insurance company. After verification, the claim amount, as mentioned in the policy, will be provided to the insurer by NEFT.
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