Overview

Whether you like shopping in local markets, or attending concerts/sporting events, or even taking vacations, crowds are unavoidable. One can never say when a crowd might go haywire and the ensued chaos results in casualties. A stampede insurance is therefore a must have, to be financially prepared to deal with eventualities arising out of a stampede.

Coverages

  • Death
  • Treatment Expenses
  • Ambulance Expenses

If the policyholder is involved in a stampede accident which results in either his Death or Permanent Partial Disability or Permanent Total Disability, he gets a sum insured of up to Rs. 2 Lakh.

If the policyholder suffers from fractures during a stampede incident, this insurance also covers his fracture treatment expenses up to Rs. 50,000.

This stampede insurance also covers Road Ambulance expense up to Rs. 25,000.

Morning walk accident insurance also covers Road Ambulance expenses up to Rs. 25,000.

Exclusions

  • Individuals below 18 years and above 70 years of age
  • Any expenses incurred on accidents other than during a stampede
  • Any hospitalization for an existing disability from a previous accident
  • Any stay in the hospital for an injury due to accident without undertaking any treatment

Claim Process for Sachet Insurance

Filing claims was never so easy. Just follow these steps and your're done.

  • 1

    Register your claim online

  • 2

    Upload documents online

  • 3

    Claim Assessment

  • 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

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.

  • Claim Reimbursement
  • Other Health Insurance Related Claims
  • Links for Claim Settlement Forms
  • List of Network Hospitals
  • Reimbursement Form
  • Self Declaration of KYC Document Submission - For Individual Partner
  • Non-Medical Expenses List of Exclusions
  • Personal Accident Claim Form
  • Cashless Claims Request Form
  • Reimbursement Form
  • Self Declaration of KYC Document Submission - For Individual Partner
  • Personal Accident Claim Form
  • Non-Medical Expenses List of Exclusions
  • 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

  • What is stampede Insurance?

    A stampede insurance is a cover that helps you deal with the financial impact of a stampede accident.

  • What are the benefits offered?

    In case a stampede accident results in the Death or Permanent Partial/Permanent Total Disability of the policyholder, this insurance provides a sum insured of up to Rs. 2 Lakh. Fracture treatment expenses of up to Rs. 50,000 & Ambulance costs of up to Rs. 25,000 are also covered.

  • Is there any age limit involved if one wants to buy stampede insurance?

    Yes, there is an age limit involved. Only individuals between the age of 18 to 70 years can buy stampede insurance.