Reliance Personal Accident Insurance

(1 Reviews)
Insurer Highlights

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Back
Get insured from the comfort of your home
Get insured from the comfort of your home
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    Continue
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Previous step
    Continue

      Popular Cities

      Previous step
      Continue
      Previous step
      Continue

      Do you have an existing illness or medical history?

      This helps us find plans that cover your condition and avoid claim rejection

      Get updates on WhatsApp

      What is your existing illness?

      Select all that apply

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium

      Reliance Personal Accident Insurance

      Reliance General Insurance Company is one of the leading general insurance companies in India with various insurance solutions or plans. The plan varies from health insurance plans, motor insurance plans, marine insurance plans, travel insurance plans and a host of other general insurance plans to cater to the requirements of insurance plans for several aspects of life.

      Read More

      Insurance plans from Reliance general are a ideal mix of the healthcare know how, proficiency and local knowledge of health and insurance requirements and needs. The company has several health insurance plans as well as personal accident plans which forms a comprehensive insurance plans covering all types of risks . Personal Accident Plans plugs an important role in the insurance portfolio of an individual. Firstly, it provides a tremendous financial support to the policy holder if he/she is disabled after an accident resulting to permanent total disability, temporary total disability and even an unfortunate death. Secondly, the enormity or the degree of injuries doesn’t matter, minor injuries are also usually cover dune the plan. Reliance General Personal Accident insurance plans have all encompassing plans which acts as a cushion to cover the risks associated with an accident.

      Personal Accident Plans by Reliance General gives the flexibility to cover the sudden eventualities and unforeseen circumstances.

      We will see a brief overview of Reliance General’s Personal Accident Plan.

      Personal Accident Plan

      Personal Accident Plan covers a host of risks which is associated with an unforeseen circumstance like accidents. Accidents not only change an individual’s life but members who are associated with the victim also get affected very badly. Hence one should always look for a complete plan which will not only take care of one own self but also will look after the family members and the associated expenses. The coverage or the specified events under the plan can be summarized as follows:

      • Accidental Death Plan.
      • Permanent Total Disability Plan.
      • Permanent Partial Disability Plan.
      • Temporary Total Disability Plan.

      Let’s look into the above plans individually:

      Accidental Death Plan : In case of Death due to  bodily injury which is caused due to Accident solely and directly, 100% of the sum assured is paid.

      Permanent Total Disability Plan : This plan will cover upto 100% of principal sum insured in case of  Permanent Total Disability. 100% of Sum Insured is paid in the event of loss of two limbs or two eye sights or one limb and one eye.50% of sum insured is paid in case of loss of one limb and one eye.  

      Under this plan will mean disablement of the Insured Person in performing at least one of the below mentioned actions:

      • Unable to Work: This means that the insured person will not be able to work ever in his life time in any occupation or employment.
      • Loss of use of limbs or sight: This means that the insured person suffers from total and irrecoverable loss of the use of two limbs OR both eye sight OR the use of one limb and the sight of one eye.
      • Loss of independent living:  This will include when the insured person is unable to perform three or more tasks independently. The tasks can be classified as :
        • Washing
        • Dressing
        • Feeding
        • Mobility
        • Toileting
        • Transferring.

      Permanent Partial Disability Plan : A certain percentage of sum insured is paid under Permanent Partial Disability plan.

      Temporary Total Disability Plan: 1% of Sum Insured        will be paid per week in case to total disability, sum not exceeding Rs 5000/- per week for a maximum of 100 weeks.

      Add On Coverage under the plan

      The plan has also some added benefits:

      • Carriage of  Mortal Remains

      A lumpsum of 2% of capital sum insured will be paid for transportation in case of accidental death outside the residence ( subject to maximum of Rs 2500).

      • Medical Expenses Benefit

      The plan can be extended to cover the medical expenses upon payment of extra premium.  Benefit upto 40% of the compensation paid in settlement of a valid claim under the plan or 20% of the relevant sum insured, whichever is lesser.

      Of duty and On duty Cover : This plan can be given to employees for a reduced premium.

      Eligibility of the plan

      Individuals aged between 5 years to 70 years are eligible to apply for this plan. This plan can be issued to group of persons. It can also be availed by employers for their employees or by any Institution/ Society/ Club for their members.

      Features and Benefits

      • The plan offers comprehensive cover for death, permanent disability and temporary disability.
      • Additional coverage is also offered under the plan.
      • Option for an off duty and on duty cover.
      • Extension can be availed for medical expenses.
      • Under this plan, the coverage is available worldwide.
      • Fast and hassle free documentation.

      Exclusions under the plan

      Following are the exclusions which are applicable under this plan:

      • Suicide or self injected injury irrespective of the Insured person being sane or insane.
      • Claims in the same period of insurance plan exceeding the capital sum insured.
      • Compensation due to death or disablement arising out of
        • Suicide or attempted suicide.
        • War and nuclear perils.
        • Pregnancy and /or child birth.
        • Ionizing radiation or radioactivity.

      Claims under the plan

      Simple and hassle free claims are provided by Reliance General for their insurance plans. One should contact at the toll free number immediately after the incident followed by furnishing the below mentioned information:

      • Contact Number.
      • Policy Number.
      • Name of the insured person who is injured.
      • Date and time of accident.
      • Location of the accident.
      • Brief narration of the accident.
      • Extent of loss.
      • Place and contact details of the insured person.

      Grievance Redressal

      • One can reach at the toll free number or email at rgicl[dot]services[at]relianceada[dot]com.
      • If someone is not satisfied with the response, then one can email – Nodal Officer at rgicl[dot]grievances[at]relianceada[dot]com.
      • The next level of escalation is one can email at Head Grievances at rgicl[dot]headgrievances[at]relianceada[dot]com.
      • The last step will be the Insurance Ombudsman for further redressal.

      Reliance Personal Accident Insurance- FAQs

      1. How to pay a premium? What are the modes of payment available?

      The Reliance General Insurance Company offers 2 modes of premium payment namely:

      • Cash payment at the branch
      • Online Payment

      For the online payment mode, the policyholder can pay via;

      • Credit Card
      • Debit Card using ATM PIN
      • Debit card using 3 D secure
      • Net banking

      2. How can I check policy status for Reliance personal accident insurance?

      You can check the policy status online, with username amd password in the Login tab, on the home page.

      3. What is the policy renewal process for Reliance personal accident insurance?
      You can go for the online renewal on the website of the company. To renew the policy online you need to provide current policy details, such as policy number, Name, Vehicle registration number, e-mail address and contact details. Then you can have a premium calculation and if you proceed for the payment it will carry you to the payment gateways. As soon as you pay the premium, your policy is renewed.


      4. What is the company’s process to settle claim for Reliance personal accident insurance?
      To settle the claim you can intimate the company by filling a form online and uploading relevant documents.
      Upon successful acceptance of the process, the claims is settled with a week.


      5. What is the policy cancellation process for Reliance personal accident insurance?
      Submit the policy documents with surrender form at the nearest branch. Upon successful proceeding, the refund is deposited directly in your bank account and the policy stand cancelled.

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*

      Health insurance articles

      Recent Articles
      Popular Articles
      Reasons to Purchase High-Value Health Insurance Cover

      21 Feb 2024

      When you decide to purchase a health insurance plan for you and
      Read more
      Surgeries Covered by New India Assurance Health Insurance Plans

      22 Feb 2024

      In an era where healthcare expenses are skyrocketing in India, the
      Read more
      Is a 10 Lakh Health Insurance Adequate in Your City?

      10 Jan 2024

      An ongoing medical inflation of 14 percent in India (the highest
      Read more
      Dental Treatment Coverage from Star Health Insurance

      21 Dec 2023

      The rising costs of healthcare services have made it necessary for
      Read more
      11 Reasons Why Senior Citizens Should Buy Aditya Birla Activ One Plan

      05 Dec 2023

      Health insurance is one of the biggest assets that senior citizens
      Read more
      How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal
      Read more
      Best Health Insurance Plans for Senior Citizens
      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance
      Read more
      Does Health Insurance Provide Coverage for LASIK Eye Surgery?
      A vast majority of the Indian population is suffering from vision problems. For some of them, LASIK eye surgery is
      Read more
      10 Major Benefits of Ayushman Bharat Yojana
      Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi
      Read more
      How Senior Citizens can save Tax with Medical Bills u/s 80 D?
      Senior citizens can save on income tax by availing tax benefits on medical expenses under Section 80D of the Income
      Read more

      Reliance Personal Accident Insurance Reviews & Ratings

      4.3 / 5 (Based on 1 Reviews)
      (Showing Newest 1 reviews)
      Himanshu
      Karnal, May 16, 2016
      Trustworthy
      I have reliance personal accident insurance plan. The policy coverage is high ~86% and the premium is low. Service facilitate by the company members is fast and on time. Ambulance is provided and it included in the policy no extra charges for it. Good investment for health, i like the plan.
      top
      Close
      Download the Policybazaar app
      to manage all your insurance needs.
      INSTALL