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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 

What our customers say ?

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MARCUS MANOHAR PARKHE

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

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Blogs

Role of AI in Claim Approvals and Fraud Detection

Role of AI in Claim Approvals and Fraud Detection

Posted on 2026-01-13 10:36:54

Every policyholder wants faster claim approvals, but traditional setups often take days or even weeks to process and make claim-related decisions. Thankfully, it is changing with AI claims processing. AI is helping insurers review claims and assess the submitted details to make faster decisions. It also helps insurers find the authenticity of filed claims. AI evaluates the policyholder’s past records and identifies unusual patterns that human reviewers might have missed. Surprisingly, AI in insurance claims benefits both insurers and genuine policyholders. This blog shares a deep dive into AI’s role in insurance claims and AI fraud detection, so read until the end.

Eco-Friendly and Sustainable Materials in Car Accessories

Eco-Friendly and Sustainable Materials in Car Accessories

Posted on 2026-01-12 11:00:30

The thought of contributing to environmental challenges disturbs every car owner who cares for the planet. It’s one of the key reasons many individuals now prefer investing in eco-friendly car accessories. In fact, two-thirds of consumers are now sustainability-minded drivers who would prefer car accessories made of eco-friendly materials over synthetic ones. If you own a car and want to lower or offset your carbon footprint and improve your health by limiting synthetic materials, consider investing in accessories made from sustainable materials. In this blog, we’re listing popular materials, associated car accessories, and more, so you know what to look for during purchase.

Portable Car Vacuum Cleaners and Tyre Inflators for India

Portable Car Vacuum Cleaners and Tyre Inflators for India

Posted on 2026-01-09 10:00:40

Going on leisure road trips can be the most joyful experience, but it can soon become dreadful if the cabin gets filled with snack crumbles or the tyre falls flat due to a pothole. It is during situations like these that car cleaning accessories and car tyre inflators can save you. You can use the cleaner to remove any leftover crumbles, dust, pet hair, etc., from your cabin, keeping the interior clean and the cabin air breathable. A portable car air pump can be used to fix flat tyres, so you don’t have to wait for help in the middle of a road or highway. Together, these accessories ensure cleanliness and safety, making for pleasant car rides. This blog will help you discover the relevance of these accessories.

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IRDAI Consumer Education:- Insurance is the subject matter of solicitation. IRDAI Registration Number - 137. CIN No. U66010RJ2006PLC029979. BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS. IRDAI clarifies to public that IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums. IRDAI does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.

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