Reliance Personal Accident Plan

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Reliance Personal Accident

	Objective			This policy can be bought online and aims to cover against accidental death and disability.
Suited for			This policy can be bought as an individual policy. Policyholder may also include his spouse and up to two children.
What does it do?			This is a standalone personal accident policy which pays a lump sum amount in the event of accidental death or disablement. For an individual policy, the insurer will pay entire of sum assured to the family members in case of unfortunate demise; whereas, the disability benefit varies depending on nature of disablement. If bought as a family cover, policy will cover spouse for up to 50 per cent of sum insured (if not earning) and entire sum insured if spouse is earning. Children are covered for up to 25 per cent of the basic sum insured. This policy also pays an education fund for continuation of deceased's children's education. Apart from the above benefits, policyholder can also get a cover for medical expenses incurred due to an accident by paying additional premium.
Pros			It provides financial assistance for continuation of deceased policyholder's children's education. This policy can be bought online as well.
Our View			This is a standalone individual personal accident cover and can be bought if you wish to get an additional cover against accidental uncertainties. It offers a wide accidental coverage.
Eligibility
Entry Age (years)
Minimum		18
Maximum		60
Coverage Type		Individual/ Family on an individual basis
Policy Term (years)		1
Sum Insured (Rs)
Maximum		10 lakh
Minimum		5 lakh
No Claim Bonus		5% no claim bonus for every claim free renewal till it reaches 50% of initial sum insured
Grace Period for Policy Renewal		30 days
Policy Termination		Either of the parties may terminate this policy by giving a prior notice. The insurer would pay proportionate premiums if no claim has been made.
Customer Service
Address		Reliance General Insurance Company Ltd., Regd Office: Reliance Centre, 19, Walchand Hirachand Marg, Ballard Estate, Mumbai 400001
Mail to		Services.Rgicl@relianceada.com
Call to		1800 3002 8282(toll free) ; 022 3989 8282(charges apply)
SMS		Type 'protect' and send it to 55454
Network Hospitals		Http://www.reliancegeneral.co.in/insurance/cashless-hospitals.aspx

 

	Scope Of Cover
Death benefit		100% of sum insured is payable
Permanent total disability		100% in case of loss of two limbs; 100% of sum insured in case of loss of two eyes or one limb and 50% in case of loss of one limb or one eye
Permanent Partial Disability		Varies from 1% to 75% of CSI as per policy
Temporary Total Disability		pays 1% of sum insured per week as per policy conditions
Additional benefit
Medical expenses(requires extra premium)		reimburses actual accidental medical expenses upto 40% of compensation paid of 20% of basic sum insured whichever is lower
Education fund		pays an amount equal to 10% of capital sum insured upto Rs 5000 per child for maximum two children upon death of insured member
Transportation of dead body		pays upto Rs 2500 for carrying dead body to residence

 

	Exclusions and Waiting Period
General Exclusions		Pregnancy related claims will not be entertainedWar and nuclear perils related claims

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