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Shriram Personal Accident Insurance Coverages

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

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Car Accessories for Long Drives with Kids in India

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Taking kids on long drives is one of the most joyous experiences, provided you’re carrying the essential car accessories for kids in India. Since kids aren’t comfortable with sitting in the same place for extended hours, you need car accessories that keep them entertained, safe, and comfortable. Accessories for cleanliness, organisation, emergency, and other utilities are also recommended. If you’re planning to take young kids on long drives for the first time or your previous experiences didn’t go well, carrying the accessories listed in this blog will be highly beneficial. So, read the full blog to discover a complete list of family car travel essentials in India.

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Be Prepared for Uncertainties with
Shriram Personal Accident Insurance

Shriram Personal Accident Insurance Coverages

Frequently Asked Questions

How is the compensation for personal accident insurance determined?

What does Medical Expense Reimbursement add-on covers?

What does Accidental Hospitalisation add-on covers?