Financial compensation is provided to the beneficiary in the unfortunate event of the insured member’s death due to an accident. 

If the insured member becomes permanently and completely disabled due to an accident, the policy offers compensation. 

In case of a permanent partial disability caused by an accident, the policy provides compensation based on the extent of the disability. 

If the insured member suffers from a temporary total disability, hindering their ability to work, the policy offers financial support during this period. 

The policy covers the medical expenses incurred for treatment of injuries sustained in an accident. 

Financial benefits are provided for hospitalization expenses arising from accident-related injuries 

The policy covers the expenses incurred for ambulance services required due to an accident. 

The policy may cover transportation costs for the insured’s family in case of death or disability 

The policy may provide an education grant for the insured member’s dependent children in case of accidental death or permanent total disability. 

If the insured member’s accident occurs while traveling abroad, the policy may cover the expenses for repatriating their remains to their home country. 

Offers a daily cash allowance for each day of hospitalization due to an accident, providing extra financial support. 

Provides reimbursement for medical expenses incurred due to an accident, even if the insured member has other health insurance. 

Offers a regular income replacement to the insured member if they are unable to work due to an accident, ensuring financial stability during recovery. 

Covers the transportation expenses of the insured member’s family to be with them during hospitalization or treatment. 

Provides a lump sum amount to support the education of the insured member’s dependent children in case of the insured’s accidental death or permanent disability. 

Extends coverage to include injuries sustained during sports or adventure activities, which are typically excluded in standard policies. 

Expands the coverage beyond the geographical limits of the policy, providing protection during international travel or work assignments. 

Covers legal expenses arising from claim disputes and also provides a lump sum amount towards funeral expenses. 

Offers access to 24/7 emergency assistance services, including medical advice, travel arrangements, and other support during an accident. 

This add-on covers expenses for air ambulance transportation in case of an accident, ensuring swift and efficient medical evacuation, especially in remote or critical situations. 

In case of an insured member being in a coma due to an accident, this add-on provides additional financial support with a lump sum amount, assisting during the coma period. 

This add-on provides a weekly cash allowance to the insured member during temporary disability caused by an accident, assisting with day-to-day expenses. 

The age of the insured member is considered as younger members generally pose a lower risk of accidents, leading to relatively lower premiums. 

The nature of the group’s occupation or profession is assessed to gauge the associated risk level. High-risk occupations may result in higher premiums. 

The sum insured or coverage limit chosen by the insured group impacts the premium. Higher coverage limits will lead to higher premiums. 

If the insured group opts for additional add-ons or riders to enhance the policy coverage, it will affect the overall premium cost. 

The geographic area where the insured group operates or resides is considered, as certain regions may have higher accident risks, influencing the premium. 

The claim history of the insured group is taken into account. A group with a low claims frequency may be offered lower premiums. 

The duration of the policy, whether it is a one-year term or a longer period, impacts the premium calculation. 

The medical history of the insured members, if considered for coverage, may influence the premium amount. 

If the insured group involves engaging in high-risk activities or sports, it may result in an adjustment to the premium. 

Inform the insurance company about the accident and the claim at the earliest. Provide details such as the policy number, date, and time of the accident, and the names of the insured members involved. 

Fill out the claim form provided by the insurer, providing all necessary information accurately and truthfully. 

Submit all required documents, such as medical reports, hospital bills, police reports, death certificates (if applicable), and any other relevant evidence supporting the claim. 

The insurer will assess the claim based on the policy terms, coverage, and the circumstances of the accident. They may also conduct investigations if needed. 

In case of injury claims, the insurer may require a medical examination of the injured party to verify the extent of the injuries. 

After evaluating the claim, the insurer will make a decision on the settlement amount. If the claim is approved, the insurer will proceed with the settlement process. 

The insurer will provide compensation as per the policy terms. It could be a lump sum for accidental death or disability, or reimbursement for medical expenses. 

In case of claim disputes, the insured can follow the insurer’s complaint resolution process or seek help from the insurance ombudsman. 

Any injury or loss resulting from deliberate self-harm or suicide attempts is not covered. 

njuries or disabilities arising from pre-existing medical conditions or illnesses are excluded from coverage. 

Accidents caused by acts of war, invasion, foreign enemy actions, terrorism, or acts of terrorism are generally not covered. 

Injuries sustained while engaging in illegal activities or criminal acts are excluded. 

Accidents or injuries that occur while the insured member is under the influence of alcohol, drugs, or any other intoxicating substances are not covered. 

Injuries resulting from participation in professional sports events or high-risk adventure activities, such as skydiving or mountaineering, may be excluded. 

Injuries or complications related to pregnancy or childbirth are typically not covered. 

Accidents caused by nuclear radiation or radioactive contamination are usually excluded. 

Accidents arising from civil unrest, riots, or public disturbances may not be covered. 

Medical treatment for injuries received outside the geographical coverage specified in the policy is generally excluded. 

The duly filled and signed claim form provided by the insurance company. 

A copy of the policy document showing the coverage details and policy number. 

A detailed report describing the accident, including the date, time, location, and circumstances. 

Medical certificates, reports, and bills from the attending medical practitioner or hospital, confirming the injuries sustained and the treatment provided 

In case of accidental death, a copy of the death certificate is required. 

f the accident involved legal authorities, a copy of the police report or FIR (First Information Report) may be needed. 

Statements from witnesses who can corroborate the details of the accident. 

Valid identification documents, such as a passport or Aadhaar card, to establish the identity of the insured member. 

A duly filled and signed claim form, providing details of the accident and the deceased employee’s personal information. 

The original death certificate issued by the relevant authorities, attested if required. 

If an autopsy was conducted, the post-mortem report detailing the cause of death. 

A copy of the First Information Report (FIR) or police report filed in case of an accidental death. 

Medical reports from the hospital or medical facility where the deceased was treated, confirming the cause of death. 

Statements from witnesses who may have witnessed the accident or have relevant information about the incident. 

Details of the nominee or beneficiary’s bank account where the claim amount should be deposited. 

Proof of the relationship between the nominee/beneficiary and the deceased employee, such as a legal heir certificate or nomination form. 

Valid identification documents, such as a passport or Aadhaar card, to establish the identity of the insured member. 

Claims are the reason we get a car insurance in the first place! Therefore, ensure the claim process of your desired car insurance is smooth and doesn’t take too long. When you’re in trouble, the last thing you want is, to spend all your time and energy in just filing a claim! 

Claim Settlements are basically getting your compensations done right. Claims being such an important part of a car insurance, check for your desired insurer’s claim settlement ratio so that you’re assured that no matter what, your claims will be settled!