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Comprehensive Coverages for Personal Accident Family and Group Insurance

Shriram Personal Accident Insurance Plans provides four different types of personal accident insurance plans with multiple coverages for better protection. You can choose the best plan as per your requirements at ease

Types of Shriram Personal Accident Insurance Coverages

Types of Coverages	Basic Plan	Basic Plus Plan	Advance Plan	Comprehensive Cover
Accidental Death & Disappearance
Transportation of Mortal Remains
Children‘s Education Benefit
Permanent Total Disablement
Permanent Partial Disablement
Temporary Total Disability

Accidental Death & Disappearance

Accidental deaths are uncertain; in such death, the nominee gets 100% compensation of the sum insured as per the Basic Plan, Basic plus Plan, Advance Plan or Comprehensive Plan selected by the insured. If, during the policy period, the insured person meets with any accidental bodily injury that causes their death within 12 months from the date of such accident. Where such an accident is the sole and direct cause of death, the insurer will pay the benefit for loss of life during the policy period. This cover can secure the family’s financial status after your absence

Transportation of Mortal Remains

As an additional benefit coverage, if you opt, you can be compensated for the actual cost of transporting the remains of the deceased from the place of death to a hospital, cremation ground or burial ground. The insurer will limit the amount to as low as Rs. 5,000/- or 2% of the sums insured

Children's Education Benefit

If one claims under accidental death or permanent total disability, then we will make a one-time payment of 2% of the benefit for each child towards the cost of education. The cover is available for the first two dependent children who are studying

Permanent Total Disability

In case someone gets injured, loses (any) body part permanently and becomes physically challenged, the insurer will pay 100% of the sum insured shown under the plan selected

Permanent Partial Disability

If suppose the insured meets with an accident during the policy period that causes disablement of the shoulder joint, thumb, index finger or other permanent partial disability. If it results within 12 months from the date of the accident and such an accident is the direct cause of disability, the insurer will pay a certain percentage of the sum insured under each plan

Temporary Total Disability

If suppose the insured suffers an accidental bodily injury during the policy period because of temporary disablement and it completely prevents the insured from the respective occupation. Then the insurer provides a weekly payment of 1 % of the capital sum insured per week, a maximum of up to Rs. 50,000 until they return to work

What is Covered?
What is not Covered?

Accidental Death & Disappearance

Transportation of Mortal Remains

Children's Education Benefit

Permanent Total Disability

Permanent Partial Disability

Temporary Total Disability

Injuries because of suicide, attempted suicide or intentional self-inflicted wound or illness

Injury because of the influence of Intoxication, i.e. liquor or drugs

Injury due to insanity or immorality, committing any breach of law with criminal intent

Dangerous hobbies such as aviation or ballooning, aircraft other than as a passenger (fare-paying or otherwise) in any duly licensed standard type of aircraft anywhere in the world

Participating as the driver, co-driver or passenger of a motor vehicle during motor racing or trial runs

As a result of any curative treatments or interventions, the insured person carries out or has carried out on the insured person's body

Frequently Asked Questions

I already have life insurance coverage. Why should I also purchase Personal Accident Insurance?

A life insurance policy will provide benefits to your dependents in case of your absence, but a personal accident policy protects you and your family against the financial risks caused by accidents. This includes medical costs, lost income following an injury or stability should you suffer a permanent total disability

What our customers say ?

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Mr. Khalil, your Executive was very coperative. the overall experience was very good. Thank you.

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Ensure Safety with Shriram Personal Accident Insurance

Comprehensive Coverages for Personal Accident Family and Group Insurance

Accidental Death & Disappearance

Transportation of Mortal Remains

Children's Education Benefit

Permanent Total Disability

Permanent Partial Disability

Temporary Total Disability

Frequently Asked Questions

I already have life insurance coverage. Why should I also purchase Personal Accident Insurance?