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Prepare yourself for Uncertainties with Shriram Personal Accident Insurance
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- Overview
- Features And Benefits
- Calculate Premium
- Types of Personal Accident Insuance
- Coverages
- Compare Plan
- Premium Components
- Eligibility and Required Documents
- Buy / Renew
- Claim Process
- Terminologies
- Policy Download
- FAQs
Personal Accident Insurance by Shriram General Insurance
One can get injured while working in a construction area, inside organisation’s premises, while crossing a road or during any other activities. A Personal Accident Insurance policy protects insured members against unforeseen events such as accidental death, bodily injuries and partial/total disabilities, both permanent and temporary, caused by an accident
- In the event of the insured's accidental death, the nominee receives 100% compensation from the insurer. Other compensations are also available for accidental disability, such as loss of vision, limbs or speech
- An Individual Personal Accident Insurance (IPA) protects an individual and their family members in case of accidental damage or loss i.e. accidental death, loss of limbs, sights and permanent/partial disablement
- A Group Personal Accident Insurance is for an employer who wants their employees protected on the work premises. The policy is suitable for small as well as big enterprises as the policy cost is affordable


Why Choose Shriram Personal Accident Insurance?
- Shriram Personal Accident Insurance policy is issued to offer comprehensive protection against various accidents at an affordable premium. Purchasing a policy online from Shriram General Insurance is easy and hassle-free
- Shriram Personal Accident Insurance policy provides instant claims services, with a minimum turnaround time of one working day for all claim-related queries
- Pick and choose the right kind of plan for you, as well as your spouse, children and parents based on the amount of coverage that is just right for you
- Anyone aged 18 to 70 years residing in India can buy personal accident insurance cover and get up to 5 lakh sum insured
- Shriram Personal Accident Insurance policy covers for all accident-related incidents worldwide
- Shriram Personal Accident Insurance policy covers the insured and their family members, such as the legal spouse, two dependent children and dependent parents
- Any Children including adopted and stepchild/children of the insured person between ages 5 to 25 years, who are unmarried and permanently reside with the insured person, receive the majority of maintenance and support
How to Calculate Shriram Personal Accident Insurance Premium
Shriram Personal Accident Insurance premiums are determined by various factors such as sum insured, type of policy, occupation, annual income, age and policy term
Sum Insured
The sum insured is the maximum amount payable in case of accidental death or permanent disability to the insured
Occupation
Insureds are classified into several categories based on their occupation risk. The insured's occupation also determines the premium payable
Annual Income
Generally, the sum insured of personal accident insurance is calculated based on the insured's annual income
Age
The age of the insured is also taken into account when calculating the personal accident insurance premium
Type of Policy
Plan and coverages selected by the insured for personal accident insurance is one of the personal accident premium components
Policy Term
A longer policy term will result in a higher premium. An increase in the premium is also associated with an extension of the coverage period

Benefits of Renewing Shriram Personal
Accident Insurance
Renewal of a personal accident insurance policy is quick and easy with Shriram General Insurance. One can purchase or renew personal accident insurance in just a few steps. On-time renewal offers the following benefits:
- Extend the risk coverage
- Easy and instant claims
- Get accidental death benefits
- Financial security for your family
- Permanent/total disability coverage
Frequently Asked Questions
Why do you need Personal Accident Insurance?

A personal accident insurance policy will protect you and your loved ones against unforeseen events.
- The fixed sum insured is guaranteed at the time of insured losses
- Provides financial assistance at the time of death and disability
- Covers the insured's emergency hospital expenses
What is the maximum tenure of Shriram Personal Accident Insurance?

Shriram Personal Accident Insurance can be bought for a maximum of 3 years as a one-time purchase
Does Shriram Personal Accident Insurance operate 24X7?

Yes, Shriram Personal Accident Insurance operates 24x7
Can I apply for a duplicate policy on Shriram General Insurance website?

Yes, you can apply for a duplicate policy by submitting a written request and paying a nominal fee.

Budget-friendly Premium
A cost-effective premium with minimal documentation

Instant Claim Settlement
Quick claim settlement at your convenience

100% Sum Assured
100% accidental claim benefits guaranteed

Avail Cover up to 70 Years
Cover your old-age risks with the best coverages

Paperless Process
An end-to-end digital process with timely online support

24*7 Customer Assistance
On-time customer support for a safe insurance journey
Key Features
Benefits of Shriram Personal Accident Insurance

Frequently Asked Questions
Personal accident insurance is included in my Shriram Car Insurance policy.Is it still necessary for me to obtain a separate personal accident insurance policy?

Yes, even if you already have car insurance, you can still purchase personal accident insurance. A personal accident insurance policy combined with car insurance is only valid during car accidents for the owner-driver. The insurer will pay for compensation in the event of bodily harm caused by a car accident. A personal accident insurance policy, on the other hand, protects you against a variety of risks, including falling from stairs, fire accidents and more
Can I cover my parents under Shriram Personal Accident Insurance policy?

Yes, you can cover your parents as dependents up to 70 years of age.
What are the features of Shriram Personal Accident Insurance policy?

- Budget-Friendly Premium: A cost-effective premium with minimal documentation
- Instant Claim Settlement: Quick claim settlement at your convenience
- 100% Sum Assured: 100% accidental claim benefits guaranteed
Some of the key features are:
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
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
We think of your children's future, too; if you claim 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 their (any) body part permanently and becomes handicapped for life. The insurer will pay 100% of the sum insured shown under the plan selected. Suppose the insured person meets with an accidental bodily injury during the policy period that causes permanent total disability (shown in the table below) within 12 months from the date of the accident. In that case, such an accident is the sole and direct cause of permanent total disability
Disability | % of sum insured |
---|---|
Loss of two entire hands or two entire feet | 100% |
Loss of one entire hand and one entire foot | 100% |
Loss of sight of one eye and loss of one entire foot or hand | 100% |
Complete loss of hearing of both ears and complete loss of Speech | 100% |
Complete loss of hearing of both ears and loss of one limb | 100% |
Complete loss of hearing of both ears and loss of sight of one eye | 100% |
Complete loss of speech and loss of one limb | 100% |
Complete loss of speech and loss of sight of one eye | 100% |
Permanent Partial Disability
Suppose the insured meets with an accidental bodily injury during the policy period that causes disablement of the shoulder joint, thumb, index finger or others considered a permanent partial disability. If it results within 12 months from the date of the accident and such accident is the sole and direct cause of permanent partial disability. The insurer will pay the percentage (shown in the table below) of the sum insured under each plan
Nature of Disability | Percentage of Sum Insured Payable |
---|---|
An arm at the shoulder joint | 70% |
An arm above the elbow joint | 65% |
An arm beneath the elbow joint | 60% |
A hand at the wrist | 55% |
A thumb
| 20% |
An index finger
| 10% |
Any other finger | 5% |
A leg above mid-thigh | 70% |
A leg up to mid-thigh | 60% |
A leg up to beneath the knee | 50% |
A leg up to mid-calf | 45% |
A foot at the ankle | 40% |
A large toe | 5% |
Any other toe | 2% |
An eye | 50% |
Hearing of one ear | 30% |
Temporary Total Disability
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. 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
Details of Shriram Personal Accident Insurance Premium
The premium rate in personal accident insurance is fixed depending on the type of employment or occupation of the insured person. Occupation is categorised on the type of risk levels
Risk Level I | Risk Level II |
---|---|
Administrative/Managing functions | Manual labour |
Accountants | Garage mechanic |
Doctors | Machine operator |
Lawyers | Paid driver(car/truck/heavy vehicles) |
Architects | Cash carrying employee |
Teachers | Builder |
Other similar occupations | Contractor |
Veterinary doctor | |
Other similar occupations |
Premium Table for Shriram Personal Accident Insurance Policy (Premium is Exclusive of GST)
- Basic Plan
- Basic Plus Plan
- Advance Plan
- Comprehensive Cover
Sl.No | Sum Insured | Risk Level I | Risk Level II |
---|---|---|---|
1 | 100000 | 48 | 67 |
2 | 200000 | 95 | 133 |
3 | 300000 | 143 | 200 |
4 | 400000 | 190 | 266 |
5 | 500000 | 238 | 333 |
6 | 600000 | 285 | 399 |
7 | 700000 | 333 | 466 |
8 | 800000 | 380 | 532 |
9 | 900000 | 428 | 599 |
10 | 1000000 | 475 | 665 |
Sl.No | Sum Insured | Risk Level I | Risk Level II |
---|---|---|---|
1 | 100000 | 67 | 90 |
2 | 200000 | 133 | 181 |
3 | 300000 | 200 | 271 |
4 | 400000 | 266 | 361 |
5 | 500000 | 333 | 452 |
6 | 600000 | 399 | 542 |
7 | 700000 | 466 | 632 |
8 | 800000 | 532 | 722 |
9 | 900000 | 599 | 813 |
10 | 1000000 | 665 | 903 |
Sl.No | Sum Insured | Risk Level I | Risk Level II |
---|---|---|---|
1 | 100000 | 81 | 109 |
2 | 200000 | 162 | 219 |
3 | 300000 | 242 | 328 |
4 | 400000 | 323 | 437 |
5 | 500000 | 404 | 547 |
6 | 600000 | 485 | 656 |
7 | 700000 | 566 | 765 |
8 | 800000 | 646 | 874 |
9 | 900000 | 727 | 984 |
10 | 1000000 | 808 | 1093 |
Sl.No | Sum Insured | Risk Level I | Risk Level II |
---|---|---|---|
1 | 100000 | 147 | 195 |
2 | 200000 | 295 | 390 |
3 | 300000 | 442 | 584 |
4 | 400000 | 589 | 779 |
5 | 500000 | 737 | 974 |
6 | 600000 | 884 | 1169 |
7 | 700000 | 1031 | 1364 |
8 | 800000 | 1178 | 1558 |
9 | 900000 | 1326 | 1753 |
10 | 1000000 | 1473 | 1948 |
Premium Table for Shriram Personal Accident Insurance Policy (Premium is Inclusive of 18% GST)
- Basic Plan
- Basic Plus Plan
- Advance Plan
- Comprehensive Cover
Sl.No | Sum Insured | Risk Level I | Risk Level II |
---|---|---|---|
1 | 100000 | 56 | 78 |
2 | 200000 | 112 | 157 |
3 | 300000 | 168 | 235 |
4 | 400000 | 224 | 314 |
5 | 500000 | 280 | 392 |
6 | 600000 | 336 | 471 |
7 | 700000 | 392 | 549 |
8 | 800000 | 448 | 628 |
9 | 900000 | 504 | 706 |
10 | 1000000 | 561 | 785 |
Sl.No | Sum Insured | Risk Level I | Risk Level II |
---|---|---|---|
1 | 100000 | 78 | 107 |
2 | 200000 | 157 | 213 |
3 | 300000 | 235 | 320 |
4 | 400000 | 314 | 426 |
5 | 500000 | 392 | 533 |
6 | 600000 | 471 | 639 |
7 | 700000 | 549 | 746 |
8 | 800000 | 628 | 852 |
9 | 900000 | 706 | 959 |
10 | 1000000 | 785 | 1066 |
Sl.No | Sum Insured | Risk Level I | Risk Level II |
---|---|---|---|
1 | 100000 | 95 | 129 |
2 | 200000 | 191 | 258 |
3 | 300000 | 286 | 387 |
4 | 400000 | 381 | 516 |
5 | 500000 | 477 | 645 |
6 | 600000 | 572 | 774 |
7 | 700000 | 667 | 903 |
8 | 800000 | 763 | 1032 |
9 | 900000 | 858 | 1161 |
10 | 1000000 | 953 | 1290 |
Sl.No | Sum Insured | Risk Level I | Risk Level II |
---|---|---|---|
1 | 100000 | 174 | 230 |
2 | 200000 | 348 | 460 |
3 | 300000 | 521 | 690 |
4 | 400000 | 695 | 919 |
5 | 500000 | 869 | 1149 |
6 | 600000 | 1043 | 1379 |
7 | 700000 | 1217 | 1609 |
8 | 800000 | 1391 | 1839 |
9 | 900000 | 1564 | 2069 |
10 | 1000000 | 1738 | 2299 |
Shriram Personal Accident Insurance Add-on Covers

Hospital Confinement Allowance
If you claim an accidental death and temporary total disability, Shriram Person Accident Insurance will pay Rs.1000/- for each complete calendar day of hospitalisation due to an accidental injury. However, the insurer will limit the amount paid under this cover for each policy period to Rs. 30,000/- even if there is more than one claim

Accidental Hospitalisation Cover
Suppose the insured meets with an accident resulting in bodily injury during the policy period and is hospitalised for twenty-four (24) hours or more. In that case, the insurer will reimburse the expenses. This add-on is an additional advantage for people planning to buy personal accident insurance. The reimbursement includes hospital accommodation, emergency room, intensive care unit, nursing care, fees of physicians, charges for laboratory tests, prescription medicines or drugs, therapeutics, anaesthetics, transfusions, artificial limbs or eyes, x-rays, prosthetic appliances, medical consumables and ambulance charges

Medical Expense Reimbursement
As per medical expense reimbursement cover, if the claim triggers in principle coverages, i.e. accidental death, temporary total disability, permanent total disability and temporary total disability. Shriram Personal Accident Insurance will reimburse the costs of necessary medical treatment for the insured obtained from a medical practitioner due to an accidental injury

Modification of Residential Accommodation and Vehicle
In the event of injury, Shriram Personal Accident Insurance will reimburse up to a maximum amount of the sum insured to modify the insured person's residence or own vehicle on account of Permanent Total Disability as per the advice of the treating/ attending Medical Practitioner. The benefit under this cover is subject to the claim under Permanent Total Disability. The maximum limit under add-on will be Rs. 50,000/- for modification of single residential accommodation/vehicle
Frequently Asked Questions
Mention some of the add-on covers provided by Shriram Personal Accident Insurance policy?

- Medical Expense Reimbursement
- Children’s Education Benefits
- Transportation of Mortal Remains
- Hospital Confinement Allowance
- Accidental Hospitalisation Cover
What are the plans available under this policy?

- Basic Plan
- Basic Plus Plan
- Advance Plan
- Comprehensive Cover
What are the Children’s Education Benefits provided in Shriram Personal Accident insurance?

If you claim under accidental death or permanent total disability, then the insurer 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
- 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
Injuries due to the participation in any naval, military or air force operations, whether in the form of military exercises or war games or actual engagement with the enemy, whether foreign or domestic
Any injury/disablement/death directly or indirectly arising from or contributing to any pre-existing condition
Pregnancy resulting in childbirth, miscarriage, abortion or complications arising out of any of these
Frequently Asked Questions
How is the compensation for personal accident insurance determined?

The benefit amount received by an insured person under a personal accident insurance policy is typically a fixed percentage of the sum insured. This percentage is based on the extent of loss due to an accident and it is also mentioned in the policy wording
What does Medical Expense Reimbursement add-on covers?

Shriram Personal Accident Insurance will reimburse the costs of necessary medical treatment obtained from a medical practitioner due to an accidental injury in case of accidental death, temporary total disability, permanent total disability and temporary total disability
What does Accidental Hospitalisation add-on covers?

The reimbursement includes hospital accommodation, emergency room, intensive care unit, nursing care, fees of physicians, charges for laboratory tests, prescription medicines or drugs, therapeutics, anaesthetics, transfusions, artificial limbs or eyes, x-rays, prosthetic appliances, medical consumables and ambulance charges
Basic Plan | Basic Plus Plan | Advance Plan | Comprehensive Cover Accidental | |
---|---|---|---|---|
Accidental Death & Disappearance | ||||
Transportation of Mortal Remains | ||||
Children‘s Education Benefit | ||||
Permanent Total Disablement | ||||
Permanent Partial Disablement | ||||
Temporary Total Disability |
Frequently Asked Questions
Are death benefits covered by the personal accident insurance policy?

Yes. If an insured person dies in an accident, their dependents will receive the sum insured amount
What does Shriram Personal Accident Insurance Basic Plan covers?

- Accidental Death & Disappearance
- Transportation of Mortal Remains
- Children's Education Benefit
- Permanent Total Disability
- Permanent Partial Disability
What does Shriram Personal Accident Insurance Advance Plan covers?

- Accidental Death & Disappearance
- Transportation of Mortal Remains
- Children's Education Benefit
- Permanent Total Disability
- Permanent Partial Disability
The amount paid to an insurer when buying a policy is called a premium. The premium for Shriram Personal Accident Insurance is calculated based on several components, such as the sum insured, policy term, type of policy, age, occupation and annual income of the insured
Sum Insured
Sum insured refers to the maximum amount payable in case of accidental death or permanent disability
Occupation
Depending on their occupation risk, insureds are classified into several categories. Likewise, the occupation of the insured is one of the premium-determining factors for personal accident insurance
Annual Income
An insured’s annual income is generally used to calculate the sum insured for personal accident insurance
Add-ons
An insured’s annual income is generally used to calculate the sum insured for personal accident insurance
Age
When calculating the premium for personal accident insurance, the age of the insured is also taken into consideration
Type of Policy
One of the components of personal accident premiums includes the plan and coverages selected by the insured
Policy Term
Premiums will increase with a longer policy term. As the coverage period extends, the premium also increases
Frequently Asked Questions
What are the benefits of Shriram Personal Accident Insurance online?

- Provides extensive worldwide claim coverage
- Emergency financial assistance at the time of unfortunate events
- Flexible policy plans and add-on covers
- Ambulance expenses and death claim benefits are covered
- Easy and hassle-free claim settlement process
- 24*7 round-the-clock customer assistance
Mention the premium components of the Shriram Personal Accident Insurance?

The premium for Shriram Personal Accident Insurance is calculated based on several components, such as the sum insured, policy term, type of policy, age, occupation and annual income of the insured
Does the occupation of an individual is considered for premium calculation?

Yes. The occupation of the insured is one of the premium-determining factors for personal accident insurance. Depending on their occupation risk, insureds are classified into several categories
According to this policy, anyone aged 18 to 70 in India can buy personal accident insurance coverage and get up to Rs. 5 lakh sum insured. The best part of a personal accident insurance policy is that it has no boundary restrictions and can cover you worldwide. Any injury mentioned under the policy is liable to be paid by the insurer. Further, documents are not needed for purchasing Shriram Personal Accident Insurance online
Documents Required for Personal Accident Insurance Claims
- Death certificate
- Disability certificate from the doctor
- Post-mortem report
- Insurance copy (Optional)
- Claim Form duly filled and signed
- Medical Bills, Payment receipt and discharge Voucher
- Signature ID proof (Insured)
- Customer's bank details with a cancelled cheque for claim payment through (NEFT)
- Customer's bank details with a cancelled cheque (Where the Premium is greater than (>) 25,000/-)
- Others (If required by the claims team, depending on the severity of the accident)
- FIR copy
- Medical certificate
- Medicine bills
- Discharge summary, if hospitalised
- Investigation report

Frequently Asked Questions
What documents are required to purchase Shriram Personal Accident Insurance online?

Shriram General Insurance is a digital-friendly platform. Thus purchasing a Shriram Personal Accident Insurance policy is a paperless process and no documents are required
Does Shriram Personal Accident Insurance provide worldwide coverage?

Shriram Personal Accident Insurance policy has no boundary restrictions and can cover you worldwide. Any injury mentioned under the policy is liable to be paid by the insurer
What are the inclusions under Shriram Personal Accident Insurance?

- Accidental Death & Disappearance
- Transportation of Mortal Remains
- Children's Education Benefit
- Permanent Total Disability
- Permanent Partial Disability
- Temporary Total Disability
- Buy Shriram Personal Accident Insurance Online
- Renew Shriram Personal Accident Insurance Online
You can instantly purchase a Shriram Car Insurance Policy online via 3 simple steps on our website/MySGI App/call our toll-free number ( 1800-300-3000/ 1800-103-3009) at your convenience
Provide the basic details to estimate the premium
- Kindly provide the basic details such as the Sum Insured, Occupation and Policy Term (Maximum 3 Years)
Enter the personal details required
- Please enter the required personal details such as Name, DOB, Mobile Number, Email Id, Address, Details of Nominee to continue the process further
Complete the online payment and get instant personal accident insurance
- Kindly complete the online payment by selecting the preferred payment method (Debit Card, Credit Card, Net Banking) and get Shriram Personal Accident Insurance on the go
Shriram Personal Accident Insurance can be renewed by directly visiting the Shriram General Insurance’s branch office or by calling the toll-free number 1800-300-3000/1800-103-3009) at your convenience
Approach the SGI branch office/dial the toll-free number
- You are kindly requested to approach the respective authority for your personal accident insurance renewal
Please submit your existing policy details
- You are requested to submit the existing policy details to our customer care representative/branch office personnel to renew your personal accident insurance at ease
Complete the payment and renew your personal accident insurance instantly
- Kindly complete the payment by selecting the preferred payment method (Cash, Cheque, Debit Card, Credit Card or Net Banking) and get your Shriram Personal Accident Insurance renewed
Frequently Asked Questions
What are the payment methods available to pay Shriram Personal Accident Insurance policy premium?

- Cash
- Cheque
- Internet Banking
- Debit Card
- Credit card
The payment methods available to pay Shriram Personal Accident Insurance policy premium are:
How can I purchase Shriram Personal Accident Insurance online?

You can instantly purchase a Shriram Car Insurance Policy online via 3 simple steps on our website/MySGI App/call our toll-free number ( 1800-300-3000/ 1800-103-3009) at your convenience
Mention some of the renewal benefits of Shriram Personal Accident Insurance?

- Extend the risk coverage
- Easy and instant claims
- Get accidental death benefits
- Financial security for your family
- Permanent/total disability coverage
Shriram Personal Accident Insurance policy offers an easy and instant claim settlement process at the convenience of your fingertips. We provide timely assistance for all the claim related queries with due responsibility
Get your Shriram Personal Accident Insurance Claim Settlement in 3 Simple Steps
- Step 1
- Step 2
- Step 3
Register your Claim
- Visit Shriram General Insurance website and register a claim or over the phone at 1800-300-30000/1800-103-3009 or through the MYSGI App
- You will be contacted by the customer service team and guided throughout Shriram
- Personal Accident Insurance online claim process

Submit the Required Documents
Submission of the required documents (Medical Reports, Medical Bills and Other Certificates) is mandatory to proceed the claim process further
Survey and Claim Settlement
After receiving the documents, our dedicated survey team will initiate the validation process. Once the survey is done, the funds will be directly sent to the recipient after verification
Benefits of Shriram Personal Accident Insurance Online Claim Process
- Quick Notification of Claims
- Superfast Claim Settlement
- Easy Claim Procedure
- Timely Customer Assistance
- 24*7 Online Claim Support

Frequently Asked Questions
Does Shriram Personal Accident Insurance operate 24*7?

Yes, it provides 24 hours round-the-clock customer assistance
How many children are covered under Shriram Family Personal Accident Insurance policy?

The first two dependent children are covered under Shriram Family Personal Accident Insurance policy
Is the claim only payable if the accident occurs in India?

No, it is payable globally once proof of the same is submitted

Accident
The occurrence of any sudden, unexpected event, which may or may not cause injuries to the person involved

Permanent Total Disability
An injury that prevents you from moving permanently. It may include blindness, paralysis or loss of both legs

Permanent Partial Disability
A partial disability occurs when an injury does not improve over time. As an example, there might be a loss of a leg, blindness or loss of hearing in one ear

Temporary Total Disability
A temporary total disability is when a person stops moving partially due to a fracture or ligament tear, etc.
Frequently Asked Questions
What is Capital Sum Insured (CSI)?

The sum insured is the maximum amount paid by the insurance company when a claim is made for an insured event
Sum insured for family cover:

Earning member – CSI for each earning member will be limited to a maximum of 60 months’ salary or monthly income Spouse – 50% of the CSI of the earning member Children (5-25 years) – 25% of the CSI of either earning member or Rs. 50,000 per child whichever is lower
What coverage does Total Permanent Disability provide?

The policy holder will receive a pre-agreed amount if an accident results in permanent disability
What does Individual Personal Accident Insurance cover?

An Individual Personal Accident Insurance (IPA) protects an individual and their family members in case of accidental damage or loss i.e. accidental death, loss of limbs, sights and permanent/partial disablement

Step 01
Visit the SGI website/MYSGI App home page and scroll to the top to access your Shriram Personal Accident Insurance account
Step 02
Enter your personal accident insurance policy number and click "Download" to get your policy document
Note: An insured can also receive Shriram Personal Accident Insurance policy document via email tooIs it necessary to have a separate personal accident policy for my family members?

No. Shriram Personal Accident Insurance is a floater policy, which means one can register for himself, spouse, dependent children and parents in a single policy
What paperwork is required for a personal accident insurance policy?

Shriram General Insurance is digital now. You are requested to provide the necessary information in the required fields and make the payment. After completing the payment, you will receive the personal accident insurance policy within minutes
What does Shriram Group Personal Accident Insurance cover?

A Group Personal Accident Insurance is for an employer who wants their employees protected on the work premises. The policy is suitable for small as well as big enterprises as the policy cost is affordable
I already have health insurance. Do I still require personal accident insurance?

A conventional health insurance policy is not the same as a personal accident policy. Health insurance will cover you in the event of a critical illness, disability or hospitalisation costs. However, personal accident insurance covers a wide range of damages against unforeseen events, including cashless hospitalisation and medical expenses
I already have life insurance coverage. Why should I also purchase personal accident insurance?

While a life insurance policy will provide benefits to the dependents in the event of your death, a personal accident insurance policy will protect you and your family from financial risks caused by accidents, such as medical costs, lost revenue after an injury or stability in the event of a permanent total disability, among other things
Do I need a separate Personal Accident Insurance policy for my family members?

No, you do not need a separate Personal Accident Insurance policy for your family members
How is the premium for Shriram Personal Accident Insurance policy calculated?

Shriram Personal Accident Insurance premiums are determined by a variety of factors. They are sum insured, occupation, age, policy term, optional add-ons and dependents mentioned
Can I pay my Shriram Personal Accident Insurance premium in instalments?

No. Shriram Personal Accident Insurance premium must be paid as a one-time payment before the risk starts
What is sum insured?

Sum insured refers to the maximum amount payable in case of accidental death or permanent disability
What compensation will be paid if two fingers are permanently lost?

According to the policy, a fixed percentage of the sum insured will be paid
Is a claim payable in the absence of a medical report?

No, a report is required for proof
What is the compensation paid in case the insured loses two fingers permanently?

The compensation will be a fixed percentage of the sum insured as per the policy
Is it possible to include my parents in this policy?

Yes. Under this policy, your parents can be added as dependents up to 70 years of age
Do personal accident policies have an age limit?

Generally, the insured person under a personal accident policy should be over 18 years old and under 70 years old. The policy also covers dependent children up to the age of 25 and/or dependent parents up to the age of 70 (*T & C apply)
What compensation does Children’s Education Benefit cover provide?

One-time payment of 2% of the sum insured under death and permanent total disability claim benefits
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