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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

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.

Top Cars for Tall Drivers in Hatchback, Sedan, and SUV Range

Best Cars for Taller People in Hatchback, Sedan, and SUV in India

Posted on 2025-12-18 05:40:24

Tall people cannot simply choose a car for themselves based on its key features and aesthetic highlights. They need to assess a crucial aspect -whether they can sit inside comfortably and drive without any inconvenience. For this, the car must have ample headroom, legroom, and adjustable seating. If any of these aspects are missing, they may struggle to keep their neck and head upright, feel cramped when applying brakes, and so on. Not only will it make the experience inconvenient, but it will also make driving unsafe. Hence, we’ve shared a list of the best cars for tall people in India, categorised into hatchbacks, sedans, and SUVs, to facilitate easy decision-making.

Car Insurance for Self-Driving Cars: Challenges and Opportunities

Car Insurance for Self-Driving Cars: Challenges and Opportunities

Posted on 2025-12-17 05:59:57

If you’re driving a semi-automated car and encounter a road accident, will you be held liable to pay compensation, or will the liabilities fall on the car’s manufacturer or software developer? It’s a question many car enthusiasts are asking these days, especially those interested in buying a self-driving car in the future. Since self-driving cars rely on software, sensors, and other advanced tech integrations for smooth driving, the insurance liability is shifted from the driver to those responsible for the product and technology. If you’re curious about the insurance aspect of autonomous vehicles, then you must read this blog. We have covered the key challenges and opportunities associated with self-driving car insurance to give you an idea of how insurance will adapt to these futuristic vehicles.

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