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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
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Shriram Personal Accident Insurance premiums are determined by various factors such as sum insured, type of policy, occupation, annual income, age and policy term
The sum insured is the maximum amount payable in case of accidental death or permanent disability to the insured
Insureds are classified into several categories based on their occupation risk. The insured's occupation also determines the premium payable
Generally, the sum insured of personal accident insurance is calculated based on the insured's annual income
The age of the insured is also taken into account when calculating the personal accident insurance premium
Plan and coverages selected by the insured for personal accident insurance is one of the personal accident premium components
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
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:
A personal accident insurance policy will protect you and your loved ones against unforeseen events.
Shriram Personal Accident Insurance can be bought for a maximum of 3 years as a one-time purchase
Yes, Shriram Personal Accident Insurance operates 24x7
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
Benefits of Shriram Personal Accident Insurance
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
Yes, you can cover your parents as dependents up to 70 years of age.
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 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
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
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
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% |
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% |
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
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 |
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 |
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 |
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
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
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
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
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
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
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
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
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
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
In the event of accidental death or permanent disability, the maximum amount payable to the insured is determined by the sum insured
Premiums for Personal Accident Insurance are determined based on the insured's occupation risk category and occupation
The sum insured for Personal Accident Insurance is typically calculated based on the insured's annual income
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
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
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
Shriram Personal Accident Insurance policy will protect you and your loved ones against unforeseen events
It provides:
Yes, you can select any of the following add-on covers:
The premium for Personal Accident Insurance is determined by:
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 | |
Yes. If an insured person dies in an accident, their dependents will receive the sum insured amount
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 refers to the maximum amount payable in case of accidental death or permanent disability
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
An insured’s annual income is generally used to calculate the sum insured for personal accident insurance
An insured’s annual income is generally used to calculate the sum insured for personal accident insurance
When calculating the premium for personal accident insurance, the age of the insured is also taken into consideration
One of the components of personal accident premiums includes the plan and coverages selected by the insured
Premiums will increase with a longer policy term. As the coverage period extends, the premium also increases
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
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
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
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
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
Enter the personal details required
Complete the online payment and get instant personal accident insurance
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
Please submit your existing policy details
Complete the payment and renew your personal accident insurance instantly
The payment methods available to pay Shriram Personal Accident Insurance policy premium are:
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
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
Submission of the required documents (Medical Reports, Medical Bills and Other Certificates) is mandatory to proceed the claim process further
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
Yes, it provides 24 hours round-the-clock customer assistance
The first two dependent children are covered under Shriram Family Personal Accident Insurance policy
No, it is payable globally once proof of the same is submitted
The occurrence of any sudden, unexpected event, which may or may not cause injuries to the person involved
An injury that prevents you from moving permanently. It may include blindness, paralysis or loss of both legs
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
A temporary total disability is when a person stops moving partially due to a fracture or ligament tear, etc.
The sum insured is the maximum amount paid by the insurance company when a claim is made for an insured event
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
The policy holder will receive a pre-agreed amount if an accident results in permanent disability
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
Visit the SGI website/MYSGI App home page and scroll to the top to access your Shriram Personal Accident Insurance account
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 tooNo. Shriram Personal Accident Insurance is a floater policy, which means one can register for himself, spouse, dependent children and parents in a single 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
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
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
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
No, you do not need a separate Personal Accident Insurance policy for your family members
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
No. Shriram Personal Accident Insurance premium must be paid as a one-time payment before the risk starts
Sum insured refers to the maximum amount payable in case of accidental death or permanent disability
According to the policy, a fixed percentage of the sum insured will be paid
No, a report is required for proof
The compensation will be a fixed percentage of the sum insured as per the policy
Yes. Under this policy, your parents can be added as dependents up to 70 years of age
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)
One-time payment of 2% of the sum insured under death and permanent total disability claim benefits
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