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