Group Personal Accident Insurance

Under transportation cover, if a claim for the insured person’s death is accepted, we will cover the actual cost of transporting their remains to a hospital, home, cremation, or burial ground. The payout is limited to the lower of ₹5,000 or 2% of the sum assured under the Basic, Wider, or Comprehensive coverage, as specified in the policy schedule.

Children’s Education Benefit (available if opted for in the policy schedule) provides financial support for the education of an insured person's dependent children. If a claim is accepted, a one-time payment of ₹5,000 per child (up to two children under 19 years old) is made to cover education costs in case of accidental bodily injury.

Under a Group Personal Accident Policy, Death Cover ensures that if the insured suffers an accidental bodily injury during the policy period that results in death within 12 months, the nominee receives 100% of the sum assured, as per the selected plan (Basic, Wider, or Comprehensive).

Permanent Total Disability (PTD) Cover under the Group Personal Accident Policy provides 125% of the sum assured (Wider or Comprehensive plans) if an accident causes total disability within 12 months, benefiting either the insured person or employer.

If an insured person suffers an accidental bodily injury during the policy period that fully prevents them from working, a weekly benefit will be paid. This amount is the lower of 1% of the sum assured under the comprehensive cover or ₹5,000 per week. Payments start upon proof of total disability & continue until recovery or for up to 100 weeks.

Notify your employer immediately after the injury occurs. Fill out a claim form and submit it along with medical reports and any other required documentation to the insurer.

Essential documents needed to file a claim under employee compensation insurance include a completed claim form, medical reports, accident or incident reports, proof of employment, and any other relevant documents such as police reports in case of a major incident.

The processing time can vary depending on the complexity of the claim and the relevance & accuracy of the documentation provided. Prompt reporting and submission of all required documents can expedite the process.

If your claim is denied, review the reasons provided by the insurer. You can appeal the decision by providing additional evidence or documentation to support your claim.

Common exclusions include injuries resulting from intentional misconduct, self-inflicted injuries, and injuries sustained while under the influence of drugs or alcohol. Always review your policy for specific exclusions.

Contact your insurer before the policy expiration date to discuss renewal options. Review your coverage needs and make any necessary adjustments to the policy.

Yes, you can update your policy to reflect any changes in your business operations, such as new job roles, increased workforce, or additional coverage needs.

Consider changes in your workforce, job roles, and any new risks that may have emerged. Review your past claims and adjust coverage limits as needed at the time of renewal as well.

Some insurers may offer a grace period, but there’s no guarantee. It’s important to renew your policy before it expires to avoid any gaps in coverage.

No, you can’t switch the insurer for your existing employee insurance. However, you may get a new policy with a different insurer at the time of renewal if needed. Ensure there is no lapse in coverage during the transition.