Overview
Daily work commute is an indispensable part of most of our lives. Whether you take a bus, or a cab, or just drive to work, the risk of accidents always lurks around the corner. Daily commute insurance is a personal accident cover that provides a financial back-up to those traveling to work daily. What’s more, this daily insurance covers accidental hospitalization & accidental outpatient department expenses too.
Coverages
- Death
- Treatment Expenses
- Ambulance Expenses
If the policyholder meets an untimely death due to being involved in an accident while his daily commute his nominee will receive a sum assured of up to Rs. 2 Lakh.
In case the insured is involved in an accident during daily commute which results in his hospitalization, this insurance covers the expenses incurred up to Rs. 2 Lakh.
This daily insurance also covers Road Ambulance expenses up to Rs. 25,000.
Exclusions
- Individuals below 18 years of age and above 70 years of age
- Any accident that does not occur during your daily commute
Claim Process for Sachet Insurance
Filing claims was never so easy. Just follow these steps and your're done.
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1
Register your claim online
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2
Upload documents online
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3
Claim Assessment
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4
Claim Decision
- Process
- Download
- Emergency Contact
- Claim Reimbursement
- Cancellation Process
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.
- We may cancel this insurance by giving You at least 15 days written the notice, and if no claim has been made then we shall refund a pro-rata premium for the unexpired Policy Period. Under normal circumstances, Policy will not be canceled except for reasons of misrepresentation, fraud, non-disclosure of material facts or Your non-cooperation.
- You may cancel this insurance by giving us at least 15 days written the notice, and if no claim has been made then we shall refund premium on short term rates for the unexpired Policy Period as per the rates detailed below.
Period in Risk |
Premium Refund |
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Policy Period 1 Year |
Policy Period 2 Year |
Policy Period 3 Year |
|
Within 15 Days |
Pro-Rate Refund |
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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 |
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20.00% |
45.00% |
Exceeding 18 months but less than 20 months |
|
15.00% |
40.00% |
Exceeding 20 months but less than 22 months |
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5.00% |
35.00% |
Exceeding 22 months but less than 24 months |
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0.00% |
30.00% |
Exceeding 24 months but less than 26 months |
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|
25.00% |
Exceeding 26 months but less than 28 months |
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|
20.00% |
Exceeding 28 months but less than 30 months |
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|
15.00% |
Exceeding 30 months but less than 32 months |
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|
10.00% |
Exceeding 32 months but less than 34 months |
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|
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.
- Claim Reimbursement
- Other Health Insurance Related Claims
- Links for Claim Settlement Forms
- List of Network Hospitals
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Reimbursement Form
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Self Declaration of KYC Document Submission - For Individual Partner
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Non-Medical Expenses List of Exclusions
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Personal Accident Claim Form
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Cashless Claims Request Form
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Reimbursement Form
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Self Declaration of KYC Document Submission - For Individual Partner
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Personal Accident Claim Form
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Non-Medical Expenses List of Exclusions
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List of Network Hospitals
Need further assistance? Reach out on the Toll-Free Number: 1800-209-5858 to connect with an insurance expert.
Manage all your queries here
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✔️What is Daily Commute Insurance?
Daily commute insurance is a personal accident cover providing financial back-up to those traveling to work daily, in case an accident during the commute adversely affects the policyholder. -
✔️What are the benefits offered?
In case an accident during daily commute results in the death of the policyholder, then this insurance provides his nominee with a sum assured of up to Rs. 2 Lakh. This daily insurance also covers accidental hospitalization & accidental outpatient department expenses of up to Rs. 2 Lakh. Road Ambulance expenses up to Rs. 25,000 are covered too. -
✔️Is there any age limit involved if one wants to buy this insurance?
Yes, there is an age limit involved. Only individuals between the age of 18 to 70 years can buy daily commute insurance.
