The employees are the greatest assets of an organization and the companies know this thing. That is why they offer various benefits to their employees such as paid leaves, the benefit of employee provident fund, group personal accident cover, etc.
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A group personal accident cover provides insurance coverage for cases like accidental death, disability in an accident, educational allowance of children in case of death or disability of the insured employee/member, etc.
In this way, by offering group persona accident insurance, an organization ensures the safety of its employees. However, if you do not know about the process of claiming this type of insurance policy, do not worry as here are discussing the steps for the same:
One should follow the below-mentioned steps to get a claim under group personal accident insurance in case of an accident. However, the claim process differs for an injury claim and death claim:
You must follow the below-mentioned steps to file a claim in case of an accidental injury:
In this case, the following documents have to be submitted:
You must follow the below-mentioned steps to file a claim in case of a death claim:
The below-mentioned list of the document must be submitted to the nominee of the policyholder in case of death claim filing:
The claims can easily get rejected if you submit the wrong or incomplete documents or the claim is filed in case of a condition that is specified in the exclusion section of the insurance policy. For knowing the exclusions, you must go through the list of exclusions mentioned in your group personal accident policy.
An employee of AB corporation was returning from an event in a hotel in their city. On the way back to the office after this event, he met with an accident. Even though he survived this accident, but got some serious injuries due to which his right hand's limp was permanently impaired.
Since AB corporation has personal accident cover for its employees, he got financial help through it. This all was possible because he informed his employer and then the police and insurer on time and submitted all the required documents to the insurer.
Summing It Up!
By following the simple steps and submitting all the required documents to the insurer, you can ensure that your claim will be approved.
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