Accidents can happen at any time and you can’t foresee them. What you can do though is to always be ready to deal with the hospital expenses that arise out of an accident. An Accidental Hospitalization sachet insurance allows you to claim your expenses arising out of hospitalization due to an accident, in a cashless manner. This accident policy also covers expenses incurred on road ambulances up to a limit of Rs. 25000, apart from offering a sum insured benefit of Rs. 5 Lakh.
The insured gets a Sum Insured of Rs. 5 Lakh in case of Permanent Partial or Permanent Total Disability due to an accident. The insured also gets accidental hospitalization benefit of Rs. 2 Lakh
The insured gets a Sum Insured of Rs. 5 Lakh in case of Permanent Partial or Permanent Total Disability due to an accident. The insured also gets accidental hospitalization benefit of Rs. 5 Lakh and road ambulance cover of Rs. 25,000.
Filing claims was never so simple. Just follow these steps and you’re done!
Cashless treatment is only available at Network Hospitals. In order to avail of cashless treatment, you need to follow the following procedure:
If you meet with any Accidental Bodily Injury that may result in a claim, then as a condition precedent to our liability:
a. You or someone claiming on your behalf must inform us in writing immediately and in any event within 30 days from the date of the accident and submit all documents to us within 30 days from the date of intimation.
b. You must immediately consult a Doctor and follow the advice and treatment that he recommends.
c. You must take reasonable steps to lessen the consequence of Bodily injury.
d. You should allow examination by our medical advisors if we ask for this.
e. You or someone claiming on your behalf must promptly give us documentation and other information we ask for to investigate the claim or our obligation to make payment for it.
f. In case of your death, someone claiming on your behalf must inform us in writing immediately and send us a copy of the post mortem report (if conducted) within 30 days.
*Note: Waiver of conditions (a) and (f) may be considered in extreme cases of hardship where it is proved to Our satisfaction that under the circumstances in which the Insured Person was placed, it was not possible for the Insured Person or any other person claiming on his/her behalf to give notice or file claim within the prescribed time limit.
Period in Risk |
Premium Refund |
||
Policy Period 1 Year |
Policy Period 2 Year |
Policy Period 3 Year |
|
Within 15 Days |
Pro-Rate Refund |
||
Exceeding 15 days but less than 2 months |
75.00% |
80.00% |
85.00% |
Exceeding 2 months but less than 4 months |
60.00% |
75.00% |
80.00% |
Exceeding 4 months but less than 6 months |
45.00% |
65.00% |
75.00% |
Exceeding 6 months but less than 8 months |
30.00% |
60.00% |
70.00% |
Exceeding 8 months but less than 10 months |
15.00% |
50.00% |
65.00% |
Exceeding 10 months but less than 12 months |
0.00% |
45.00% |
60.00% |
Exceeding 12 months but less than 14 months |
|
35.00% |
55.00% |
Exceeding 14 months but less than 16 months |
|
30.00% |
50.00% |
Exceeding 16 months but less than 18 months |
|
20.00% |
45.00% |
Exceeding 18 months but less than 20 months |
|
15.00% |
40.00% |
Exceeding 20 months but less than 22 months |
|
5.00% |
35.00% |
Exceeding 22 months but less than 24 months |
|
0.00% |
30.00% |
Exceeding 24 months but less than 26 months |
|
|
25.00% |
Exceeding 26 months but less than 28 months |
|
|
20.00% |
Exceeding 28 months but less than 30 months |
|
|
15.00% |
Exceeding 30 months but less than 32 months |
|
|
10.00% |
Exceeding 32 months but less than 34 months |
|
|
5.00% |
Exceeding 34 months but less than 36 months |
|
|
0.00% |
However, if any claim has been made then no refund will be given for cancellation of policy.
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Need further assistance? Reach out on the Toll-Free Number: 1800-209-5858 to connect with an insurance expert.
No one can foresee accidents and they not only leave a person with bodily injuries but also have a financial impact. This accident policy cover helps you in claiming your hospital expenses arising out of any accident.
This accident insurance covers hospitalization expenses incurred due to an accident and provides a Sum Insured of up to Rs. 5 Lakh. This policy also covers expenses incurred on road ambulances up to a limit of Rs. 25000 along with Permanent Total Disability & Permanent Partial Disability cover of Rs. 5 Lakh. This sachet insurance lets you choose between two variant covers.
Unfortunately, pre-existing diseases are a permanent/lifelong exclusion under the policy and will hence not be covered.
Yes, there is an entry age limit. The insured’s entry age should be between 18 years to 70 years.