United India Road Safety Package Policy

With accidents and mishaps befalling anyone unannounced, it is purely a matter of chance if a person does not suffer a lot of damage. However, many times they may not be so lucky and may face severe bodily injuries or even death. To provide some financial relief during such contingencies, United India Road Safety Package Policy has been specially made to cover any unexpected expenses caused by personal accidents.

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    Why United India Road Safety Package Policy

    Provided by one of the most trusted general insurance providers in India, this United India road safety package policy bears all medical expenses incurred in a hospital or nursing home in case of an accident. This travel insurance policy covers death, total permanent disability, and temporary disablement which may occur during the policy period in case of an unfortunate accident.

    Features & Benefits of United India Road Safety Package Policy

    This United India road safety package policy covers medical expenses incurred due to traffic accidents. The insurer will provide coverage benefits in case of the following events:

    • Death
    • Total and irrevocable loss of sight of both eyes or both hands or both legs
    • Total and irrevocable loss of sight of one eye or one entire hand or one entire leg
    • Permanent or partial or absolute disablement
    • Room boarding expenses at the hospital or nursing home
    • Nursing and other relevant surgical expenses
    • Surgeon Anesthetist Medical Practitioner Consultant's Specialist's Fee
    • Anesthesia Blood Oxygen Operation Theatre Charges Surgical Appliances Drugs etc.
    • Ambulance Charges

    Things to Know About United India Road Safety Package Policy

    The table below will let you have a quick glance at all the important specifics of this United India road safety package policy:

    Categories Specifications
    Eligibility 18 to 65 years
    Benefits Coverage for Personal Accident, Medical Expenses for Bodily Injury
    Free Look Period Facility Available
    Policy Duration 1 to 5 years

    Inclusions under the United India Road Safety Package Policy

    The policy covers any bodily injury caused by external violent and visible means. Some of the included benefits under this United India road safety package policy are covered below:

    • Personal Accident: The insurer will pay the policyholder the sum insured as per the policy schedule depending on the damage. This may be death, loss of eyesight, loss of limbs, partial disablement, or permanent disablement.
    • Medical Expenses for Bodily Injury: In case of a road accident that may cause bodily injury to the insured, this policy will provide compensation for expenses including room boarding expenses of that hospital, nursing expenses, consultant fee, charges for the surgical appliances drugs, ambulance charges, etc.
    • Cover for Medical Expenses due to Accident during and in-course of Employment: The policy will cover medical expenses incurred because of accidents during the course of the insured's employment.

    Exclusions under the United India Road Safety Package Policy

    The United India road safety package policy will not provide any coverage benefits in case of certain exceptions. Some of these exclusions have been mentioned below:

    • Any hospital expense not directly related to road accident
    • Loss caused due to war and nuclear perils.
    • Compensation for naturopathy or other alternative treatments
    • Any loss related to pregnancy
    • Any problems caused by radioactivity
    • Damage caused by participating in felony, riot, crime, misdemeanor, or civil commotion
    • Any loss, injury, damage, or legal sustained directly or indirectly by any terrorist or member of a terrorist organization, narcotics trafficker, or purveyor of nuclear, chemical, or biological weapons.

    United India Road Safety Package Policy Eligibility Criteria

    Any Indian citizen under this policy can reclaim all the relevant medical expenses that they may have incurred in a nursing home or hospital because of an accident. It can be purchased for a period of 1 to 5 years by any individual aged between 18 years and 65 years.

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