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Personal Accident Cover in Bharat Griha Raksha Policy

Personal Accident (PA) Cover is an add-on cover provided by Bharat Griha Raksha Policy to the policyholder and their spouse if the insured peril results in case of the death of either. Learn all about personal accident add-on cover in BGR policy in detail.

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What is a Personal Accident Cover in BGR Policy?

Personal Accident (PA) cover is an optional cover of ₹ 5 lakh each for the self (policyholder) and their spouse in the unfortunate case of either's death due to an accident mentioned in the policy documents. This add-on cover is available with the Bharat Griha Raksha policy, a standard home insurance policy in India introduced by the IRDAI (Insurance Regulatory and Development Authority in India).

What is Covered Under a Personal Accident Cover in BGR Policy?

It provides a lump sum payment to the nominee or family in the event of the insured or their spouse's accidental death due to unforeseen circumstances mentioned in the policy documents.

What are the Key Features of a Personal Accident Cover in BGR Policy?

Personal Accident (PA) cover in the Bharat Griha Raksha Policy adds an extra layer of security by protecting the insured and their spouse from the financial repercussions of death. Here is a list of conditions covered:

  • Comprehensive Coverage: The PA cover extends to the damages causing death anywhere in the insured house, providing financial coverage for the insured and their spouse.
  • Lump Sum Payment: In the event of an accidental death, a predetermined lump sum amount ₹ 5 lakh/person is paid.
  • Ease of Claims Process: Home insurance companies provide an easy and hassle-free claims process, requiring necessary documentation, such as medical reports and police records, to prove the claim.

What is the Importance of Personal Accident Cover in BGR Policy?

Personal Accident (PA) coverage in a BGR policy is a crucial add-on that offers financial assistance to the insured or their family in an unfortunate case of death, helping to cover medical expenses or loss of income. Moreover, it offers peace of mind knowing that there is a backup in case an unexpected accident happens in their place.

FAQs About Personal Accident Cover in Bharat Griha Raksha Policy?

Written By: PolicyBazaar - Updated: 13 June 2024
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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Reviews & Ratings

4.4 / 5 (Based on 120 Reviews)
(Showing Newest 10 reviews)
Virendra
Bokaro, July 26, 2022
Coverage for natural calamity
I was looking for an insurance policy that provides me coverage for natural calamity. Since my house is located near a river and it floods my area in the rainy season. So i went on the Policybazaar website and particularly look for this coverage found the exact plan that provides this coverage.
Sunil
Bilaspur, July 26, 2022
Premium Calculation
I was looking for a home insurance policy online. I stumblled upon the Policybazaar website and it is one of the best online platforms to purchase home insurance policy. I learned about the insurance plan i wanted to purchase and after choosing the plan and add ons i could calculate the premium using their online premium calculator. Thanks Policybazaar.
Manish
Bikaner, July 26, 2022
Natural Calamity cover
I have recently purchased a flat and wanted to cover it with a home insurance policy. I was aware of the Policybazaar website so i thought i should give it a try. I went on their website and as i wanted to cover my flat with a natural calamity cover specifically i searched for it and without wasting a minute it showed me the natural calamity coverage.
Mohit
Amritsar, July 26, 2022
Enough coverage
I was looking for a home insurance plan online. I was fed up as i have to visit different websites to look for a single suitable insurance plan. However, i stumbbled upon Policybazaar website where i was able to find the right insurance plan that could provide me enough coverage.
Sahil
Bareilly, July 26, 2022
Nice customer service
I wanted to purchase a home insurance policy and a friend of mine suggested to purchase it from Policybazaar. I bought the policy and after that i had a confusion regarding exclusions so i called up Policybazaar customer care and they cleared out the confusion and i loved their customer service.
Jitendra
Ajmer, July 26, 2022
Qiuck claim
I purchased a home insurance policy recently. However, due to a natural calamity, my house was damaged as the pressure of the water because of flood broke the enterance door of my house. But the insurance plan that i bought got me covered and i as able to get the quickest claim possible.
Prashant
Delhi, July 26, 2022
Natural calamities covered
I bought a home insurance policy recently. As i live near a river and in the rainy season, my area gets flooded so in order to protect my house and its contents, i purchased the insurance to get coverage for such natual calamities and i am tension free now.
Sharad
Kolkata, July 26, 2022
Wide coverage
The home insurance plan that i purchased from policybazaar's website is a great plan that provides me coverage for not only the structure but also cover several expensive content of the home such as paintings, mobile phones, laptops, television, etc.
Ravi
Ahmedabad, July 26, 2022
Suitable insurance plan
I purchased the group health insurance policy from Policybazaar website. First of all, i did not have to wander much online while lookig for a home insurance plan that fits my requirement and i found the suitbale home insurance plan by comparing different plans on the website.
Yashashvi
Amritsar, June 09, 2022
Natural calamities covered
I bought a home insurance policy recently. As i live near a river and in the rainy season, my area gets flooded so in order to protect my house and its contents, i purchased the insurance to get coverage for such natual calamities and i am tension-free now.
  • Disclaimers+

    #Savings of 28% are based on the comparison between the highest and lowest premiums for a pucca building with sum insured of >₹ 1 crore at Delhi, for property age less than 5 years and policy term of 11 years.

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