India is developing at a rapid pace and this has led to opening of a lot of new job and educational avenues. If you too are working in outside your home city, then the Outstation Accident Cover is perfect for you. This personal accident insurance sachet provides a sum insured if the insured has suffered bodily injuries due to a personal accident. It also covers the travel expenses incurred by the insured’s family to reach him during the hour of need. It also covers for road ambulance charges, cost of accidental hospitalization and provides cash benefit in case of hospitalization.
The insured gets a Sum Insured of Rs. 1 Lakh in case of Permanent Partial or Permanent Total Disability due to an accident. The insured also gets additional accidental hospitalization benefit of Rs. 2 Lakh and emergency travel expenses (for one family member) of Rs. 25,000.
The insured gets a Sum Insured of Rs. 1 Lakh in case of Permanent Partial Disability or Rs. 5 Lakh in case of Permanent Total Disability due to an accident. The insured also gets additional accidental hospitalization benefits of Rs. 2 Lakh and road ambulance cover of Rs. 25,000.
Filing claims was never so simple. Just follow these steps and you’re done!
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.
This personal accident insurance covers travel expenses for your family to reach your current city/town of residence, in case of an accident (road or otherwise). Permanent Total & Permanent Partial Disability are covered and Sum Insured of up to Rs. 4 Lakh is provided. The costs of Road Ambulance & Accidental Hospitalization are covered too and you can choose between two variant covers.
Yes, the road ambulance costs incurred will be covered under this accident insurance, provided that: 1) The insured’s claims are still arising out of injuries sustained due to an accident and 2) You did not exhaust your limit of Rs. 25,000 during the first time you opted for a road ambulance.
If the policyholder meets with an accident in a city/town outside of his usual place of residence and is admitted in a hospital there, then the travel expenses incurred by one Family Member (as mentioned in the policy) to reach the insured, is covered up to the sum insured (in economy class).
Yes, there is an entry age limit. The insured’s entry age should be between 18 years to 70 years.