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Royal Sundaram Group Personal Accident Insurance

Royal Sundaram Group Personal Accident Insurance policy provides worldwide coverage to protect the employees against any injury related to an accident that is sustained by an individual that results in disablement and death.

Key Features of Royal Sundaram Group Personal Accident Insurance

The key features of this plan are:

  • This plan provides a competitive premium.
  • The claim service of this plan is easy and simple.
  • It provides the flexibility of sum insured and covers.
  • Under this plan, you get the choice to select higher medical expenses.
  • This plan also provides an option to select a higher Temporary Total Disablement benefit limit.
  • This plan also has feature to restrict the coverage either on duty.
  • Expenses for carrying dead body is subject to the actual sum insured or a maximum of 2% of Rs. 2500.
  • This plan also has the feature to restrict the coverage either on duty.

Inclusions:

This Group Personal Accident insurance policy provides coverage for bodily injury because of an accident that is caused by violent, external, and visible means that results in disablement or death within one year from the accident date.

The cover under this plan is available worldwide and is provided for 24 hours. However, if a company wants to avail restricted cover for its employees for the period they are only at their duty. In this way, the same can be provided by the policyholder in a comparatively lower premium.

Riders/ Add-Ons:

The riders or add-on covers can be availed by paying an additional premium. The riders offered by the Royal Sundaram Group Personal Accident plan are:

  • Cover for temporary total disablement.
  • Extension of medical expenses.

Exclusions:

The policy does not provide coverage if the bodily injury or death is sustained from:

  • Intentional injury to self, attempt to suicide, or suicide
  • Under the influence of drugs or intoxicating liquor.
  • Engaging in activities that are associated with ballooning or aviation activities, while dismounting from or mounting into an aircraft and/ or balloon (other than when traveling as a passenger).
  • Disablement or death of any kind that results in indirectly or directly or during pregnancy or child-birth.
  • Arising because of any criminal activity that is committed by the insured.

Documents Needed for Personal Accident – Disablement Claim

The list of required documents in case of filing a disablement claim is as follows:

  • Claim form that is duly filled and signed.
  • English translation of all the required common documents that are duly attested by the Notary.
  • FIR copy that is duly attested by the issuing authority or notary.
  • Discharge or admission summary of the hospital where he/she is admitted after the accident.
  • Certificate of attendant doctor that mentioning whether he/she is disabled and if so, the disablement percentage (this certificate is a part of the claim form for disablement).
  • Original certificate issued from the employer that confirms the period of absence from the duty.
  • Copies of scan, x-ray, test reports related to the accident or treatment.

Documents Needed for Personal Accident – Death Claim

The list of required documents in case of filing a death claim is as follows:

  • Claim form that is duly filled and signed.
  • English translation of all the required common documents that are duly attested by the Notary.
  • FIR copy that is duly attested by the issuing authority or notary.
  • Copy of post-mortem that is duly attested by the notary or issuing authority.
  • Original death certificate
  • Report Pachanama, inquest report that is duly attested by Notary.
  • Legal Heir certificate (original)
  • Death or death summary if the deceased person was admitted to the hospital after an accident.  
Written By: PolicyBazaar - Updated: 02 February 2021