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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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Shriram Personal Accident Insurance Coverages

  • 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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Mr. Khalil, your Executive was very coperative. the overall experience was very good. Thank you.

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Blogs

Car Aerodynamics’ Impact on Speed, Safety, & Fuel Efficiency

How Car Aerodynamics Affects Speed, Safety, and Fuel Efficiency

Posted on 2025-12-23 09:43:57

Car aerodynamics influences speed, safety, and fuel economy by changing how air flows around a moving car. It employs downforce to keep the automobile stable and safe at high speeds, and it reduces drag to let cars go faster. It also has optimised airflow to reduce energy loss and make better use of fuel. These combined effects make active aerodynamics essential in both everyday and high-performance models. This blog simplifies what aerodynamics means and how it influences your car’s speed, safety, and fuel efficiency.

A Guide to Digital Car Keys and Cloud-Enabled Backup Cameras

Digital Car Keys and Cloud-Connected Backup Cameras

Posted on 2025-12-22 09:36:24

Do you often worry about what happens to your car when you leave it at the valet, or have a habit of unintentionally misplacing car keys? These are common concerns and instances that some car owners face. You can fix all this by using digital car keys and cloud-connected car cameras. Digital car key security will let you use your smartphone to open and lock your vehicle. It makes access easier and more flexible. Cloud-connected smart backup cameras go beyond basic reversing, helping you record incidents and storing them online. You can view this footage remotely to stay fully aware of what’s happening around and with your car. Together, these advanced technologies can help you reduce car-related stress and improve your vehicle’s safety. If you’re new to these technologies and wondering how they work and how they can benefit you, then read the full blog.

Enhance Driving Experiences with AI Dash Cams

AI-Powered Smart Dash Cams with Behaviour Analysis

Posted on 2025-12-19 11:55:16

India reported nearly 1,68,491 road accident-related deaths in 2022 alone because of the driver’s fault. This figure is a result of speeding, drunken driving, driving on the wrong side, jumping red lights, using a mobile phone while driving, and other reasons. These deaths could have been avoided had the drivers been attentive while driving. This is why more fleet companies and regular car owners are turning to AI dash cams. Unlike traditional dash cameras, these advanced car accessories monitor both the road ahead and the driver’s actions inside the cabin. They use machine learning and computer vision to monitor and analyse the driver’s behaviour. It helps the system detect risky actions, enabling real-time alerts to prevent road accidents. If you’re curious to learn how smart dash cameras help drivers become more attentive and careful to prevent road accidents, then you must read the full blog.

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