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Overview
Features And Benefits
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Types of Personal Accident Insuance
Coverages
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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

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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.

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Shriram Personal Accident Insurance

Personal Accident Insurance by Shriram General Insurance

Why Choose Shriram Personal Accident Insurance?