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  • Overview
  • Features And Benefits
  • Calculate Premium
  • Types of Personal Accident Insuance
  • Coverages
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  • Premium Components
  • Eligibility and Required Documents
  • Buy / Renew
  • Claim Process
  • Terminologies
  • Policy Download
  • FAQs
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Frequently Asked Questions about Personal Accident Insurance

Is it necessary to have a separate personal accident policy for my family members?

No. Shriram Personal Accident Insurance is a floater policy, which means one can register for himself, spouse, dependent children and parents in a single policy

What paperwork is required for a personal accident insurance policy?

Shriram General Insurance is digital now. You are requested to provide the necessary information in the required fields and make the payment. After completing the payment, you will receive the personal accident insurance policy within minutes

What does Shriram Group Personal Accident Insurance cover?

A Group Personal Accident Insurance is for an employer who wants their employees protected on the work premises. The policy is suitable for small as well as big enterprises as the policy cost is affordable

I already have health insurance. Do I still require personal accident insurance?

A conventional health insurance policy is not the same as a personal accident policy. Health insurance will cover you in the event of a critical illness, disability or hospitalisation costs. However, personal accident insurance covers a wide range of damages against unforeseen events, including cashless hospitalisation and medical expenses

I already have life insurance coverage. Why should I also purchase personal accident insurance?

While a life insurance policy will provide benefits to the dependents in the event of your death, a personal accident insurance policy will protect you and your family from financial risks caused by accidents, such as medical costs, lost revenue after an injury or stability in the event of a permanent total disability, among other things

Do I need a separate Personal Accident Insurance policy for my family members?

No, you do not need a separate Personal Accident Insurance policy for your family members

How is the premium for Shriram Personal Accident Insurance policy calculated?

Shriram Personal Accident Insurance premiums are determined by a variety of factors. They are sum insured, occupation, age, policy term, optional add-ons and dependents mentioned

Can I pay my Shriram Personal Accident Insurance premium in instalments?

No. Shriram Personal Accident Insurance premium must be paid as a one-time payment before the risk starts

What is sum insured?

Sum insured refers to the maximum amount payable in case of accidental death or permanent disability

What compensation will be paid if two fingers are permanently lost?

According to the policy, a fixed percentage of the sum insured will be paid

Is a claim payable in the absence of a medical report?

No, a report is required for proof

What is the compensation paid in case the insured loses two fingers permanently?

The compensation will be a fixed percentage of the sum insured as per the policy

Is it possible to include my parents in this policy?

Yes. Under this policy, your parents can be added as dependents up to 70 years of age

Do personal accident policies have an age limit?

Generally, the insured person under a personal accident policy should be over 18 years old and under 70 years old. The policy also covers dependent children up to the age of 25 and/or dependent parents up to the age of 70 (*T & C apply)

What compensation does Children’s Education Benefit cover provide?

One-time payment of 2% of the sum insured under death and permanent total disability claim benefits

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

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