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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
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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
Read More
What is Personal Accident Insurance?
Nil Pending Complaints

Nil Pending Complaints

Over 60 Lakh Happy Customers

Over 60 Lakh
Happy Customers

Why Choose Shriram Personal Accident Insurance?

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
Read More

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

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.

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Budget-friendly Premium

Budget-friendly Premium

A cost-effective premium with minimal documentation

Instant Claim Settlement

Instant Claim Settlement

Quick claim settlement at your convenience

100% Sum Assured

100% Sum Assured

100% accidental claim benefits guaranteed

Avail Cover up to 70 Years

Avail Cover up to 70 Years

Cover your old-age risks with the best coverages

Paperless Process

Paperless Process

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

24*7 Customer Assistance

24*7 Customer Assistance

On-time customer support for a safe insurance journey

Key Features

Benefits of Shriram Personal Accident Insurance

Premium

  • Starts @ ₹48*/- for a Sum Insured of 1 lakh (Risk I category premium - exclusive of GST)

Add-ons

  • Transportation of Mortal Remains, Hospital confinement Allowance, Accidental Hospitalisation Cover and more

Claim Process

  • Instant and Hassle-free Claim Settlement Process

Exclusive for Children’s Education

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

Ambulance Expenses

  • Available

Worldwide Hospitalisation Coverage

  • Available
Features 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?

    Some of the key features are:

  • 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
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How to Calculate Shriram Personal Accident Insurance Premium?

Shriram Personal Accident Insurance premium is calculated by a range of factors such as sum insured, type of policy, occupation, annual income, age and policy term

Sum Insured

In the event of accidental death or permanent disability, the maximum amount payable to the insured is determined by the sum insured

Occupation

Premiums for Personal Accident Insurance are determined based on the insured's occupation risk category and occupation

Annual Income

The sum insured for Personal Accident Insurance is typically calculated based on the insured's annual income

Age of the Insured

The Personal Accident Insurance premium is determined by taking the insured's age into consideration. The higher the person’s age, the higher the risk associated with it

Type of Policy

The plan and coverages selected by the insured influence the insurance premium. It is best to research and compare various plans before choosing the suitable one

Policy Term

Extending the coverage period by choosing a longer policy term will result in a higher premium. However, the insured can have enhanced protection throughout their policy term

Frequently Asked Questions

Why should I purchase Shriram Personal Accident Insurance?

Shriram Personal Accident Insurance policy will protect you and your loved ones against unforeseen events.

 It provides:

         • A fixed sum insured at the time of insured losses
         • Financial assistance at the time of demise or disability
         • Covers against emergency hospital expenses

Can I select any add-on riders with Shriram Personal Accident Insurance policy?

Yes, you can select any of the following add-on covers:

• Medical Expense Reimbursement
• Hospital Confinement Allowance
• Accidental Hospitalisation Cover
• Children’s Education Benefits
• Transportation of Mortal Remains

How is the premium for Shriram Personal Accident Insurance policy calculated?

The premium for Personal Accident Insurance is determined by:

        • Sum Insured
        • Occupation
        • Annual Income
        • Age
        • Policy Tenure
        • Type of Policy
        • Optional Add-ons
        • Dependents

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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

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

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

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

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

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  • What is Covered?
  • What is not Covered?
01

Accidental Death & Disappearance

02

Transportation of Mortal Remains

03

Children's Education Benefit

04

Permanent Total Disability

05

Permanent Partial Disability

06

Temporary Total Disability

01

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

02

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

03

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

04

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

05

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

06

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

07

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

08

Any injury/disablement/death directly or indirectly arising from or contributing to any pre-existing condition

09

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 

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Basic Plan

Basic Plus Plan

Advance Plan

Comprehensive Cover Accidental

Accidental Death & Disappearance

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Transportation of Mortal Remains

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Children‘s Education Benefit

table_tick_icontable_tick_icontable_tick_icontable_tick_icon

Permanent Total Disablement

table_tick_icontable_tick_icontable_tick_icon

Permanent Partial Disablement

table_tick_icontable_tick_icon

Temporary Total Disability

table_tick_icon

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 
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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

Sum insured refers to the maximum amount payable in case of accidental death or permanent disability

Occupation

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

Annual Income

An insured’s annual income is generally used to calculate the sum insured for personal accident insurance

Add-ons

Add-ons

An insured’s annual income is generally used to calculate the sum insured for personal accident insurance

Age

Age

When calculating the premium for personal accident insurance, the age of the insured is also taken into consideration

Type of Policy

Type of Policy

One of the components of personal accident premiums includes the plan and coverages selected by the insured

Policy Term

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

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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
Documents Required for Personal Accident Insurance Claims

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 
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  • 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

1

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)
2

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
3

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

1

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
2

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
3

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?

    The payment methods available to pay Shriram Personal Accident Insurance policy premium are:

  • Cash
  • Cheque
  • Internet Banking
  • Debit Card
  • Credit card

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
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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

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

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

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
Benefits of Shriram Goods Carrying Vehicle Insurance Online Claim Process

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

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Accident

Accident

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

Permanent Total Disability

Permanent Total Disability

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

Permanent Partial Disability

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

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

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Download Your Shriram Personal Accident Insurance Policy

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 too
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Is 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

What our customers say ?

What our customers say

Divyansh says,

Shriram General Insurance is the best travel insurance and i can confidently recommend.Truly the best online travel insurance site in India. Thanks to Shriram General Insurance !.

Vidit says,

Shriram General Insurance has a very encouraging overseas travel insurance program for us. Overall it's very nice

Malik says,

I had some doubts when reading the terms and conditions of my travel insurance. I called the Shriram General Insurance helpline and they cleared up most of my doubts.

Prakash says,

SGI Health Insurance currently administers my health insurance policy. I still have a bonus and there hasn't been a claim. This insurance covers all hospitals for cashless payments. Customer support is excellent.

Apeksha says,

This group health insurance policy, which has a Rs. coverage amount, was obtained from Shriram General Insurance. They have connections with several hospitals and also offer cashless medical care.

Ashwin says,

“I am satisfied with Health insurance claim service” Got my Health  insurance policy claim. Thanks a lot for quick response. Great customer satisfaction policy

Chiranjeev says,

My Commercial Vehicle Insurance is the best. These are very good, helpful and wonderful people. I am pleased to join Shriram General Insurance commercial vehicle insurance plan.

Purushottam says,

For commercial vehicle insurance, I can suggest Shriram General Insurance with confidence. I'm relieved that my vehicle is now protected and secure, I appreciate Shriram General Insurance!

Santram says,

Shriram General Insurance provides me with a commercial vehicle insurance policy that fully protects the vehicle for a comparatively small outlay of money. Excellent customer satisfaction policy, I'm pleased!

Amritlal says,

After taking into account all other plans available, I decided to go with Shriram General Insurance for my personal insurance policy. I am extremely pleased with the outcome of my claim and the amount of time and accuracy put into it.

Meghna says,

Taken the personal insurance policy with Shriram General Insurance company around 5 years ago. My colleague is suggested me to take the policy from here. The claim ratio is more compared to others. This was taken for my family benefits and customer service is good. Thank you SGI!!

Mohan says,

Five years ago, I chose to invest in a personal insurance policy with Shriram General Insurance Company after being recommended by a colleague. They had one of the best claim ratios and the customer service is great. Taking out this policy has benefited my family immensely and I'd like to take this opportunity to thank Shriram General Insurance for their excellent services.

Akanksha says,

I recently took out a home insurance policy with Shriram General Insurance and it covers me if there is any destruction to my property due to natural disasters such as earthquakes. I am very pleased with their customer service and quick response times. This gives me peace of mind knowing that I have this policy in place.

Raveena says,

After consulting with many people, I chose to purchase my home insurance from Shriram General Insurance. The experience was quite pleasing & I am glad that I went with them as their policy has proven to be very satisfactory.

Tejas says,

Securing my future by taking home insurance from Shriram General Insurance was a great decision. Not only did I get protection from natural and man-made calamities, but the service provided was also excellent.

Shubham says,

The add-on covers on my policy were extremely helpful. I got my claim easily and also reserved my NCB.And Shriram has made it so easy to renew any policy online without any tussle, trouble.thank you Shriram General Insurance!

Amandeep says,

Shriram General Insurance Co. Ltd is a trustworthy partner to me. They have a sincere and genuine approach towards settling claims, which I highly appreciate and value. They made it easier for me to manage through the tough times.

Satyaprakash says,

Shriram General Insurance truly stands out with the great service they provide – claims are processed quickly and effortlessly. I am very appreciative of their support! The quick and stress-free claim process made life easier for me during a trying time.

Shakeel says,

Shriram General Insurance really offer affordable two wheeler insurance premium. When my bike was damaged in an accident, I was stressed out but their two wheeler insurance executive took care of the situation quickly & efficiently. Thanks to Shriram General Insurance!

Samantha says,

I recently got a two-wheeler insurance policy from Shriram General Insurance and had a great experience. The website was incredibly user-friendly and all the relevant information was easily accessible. I'm glad my two-wheeler is safe and secure now - thank you Shriram General Insurance!

Vandana says,

My friend working for Shriram General Insurance suggested I take out a two-wheeler insurance policy from them. I've been renewing it before its expiry ever since and have been pleased with the service.I recently visited their branch and decided to renew my policy with them. The reason I chose them was because they provide first-party insurance with utmost claim amounts, plus this policy includes bumper to bumper coverage.

Chetan says,

I was thoroughly satisfied with my decision to get car insurance from Shriram General Insurance. Not only did I find their rates quite reasonable, but the policy coverage was also adequate. I am especially impressed with how efficiently and smoothly they handled my claims.

Ankit says,

I can confidently recommend Shriram General Insurance for car insurance as I have been a loyal customer for the last 5 years. Their claims process is very efficient and they respond swiftly to their customers in comparison to the other providers.

Rahul says,

I recently switched to Shriram General Insurance for my car insurance and I'm glad I did. The customer service is great, and the policy was issued instantly. I am Very impressed with their services!
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IRDAI Consumer Education:- Insurance is the subject matter of solicitation. IRDAI Registration Number - 137. CIN No. U66010RJ2006PLC029979. BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS. IRDAI clarifies to public that IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums. IRDAI does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.

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