Individuals between 5 years to 70 years of age can apply for the Personal Accident Plan of National Insurance. Exclusions under the plan. Following are the exclusions which are applicable under this plan: Individuals committing suicide or injuring himself/herself inspite of being mentally balanced or not. Any kind of war whether declared or not including civil, wars, riots, attack by overseas enemy, insurgence, insurrection, civil disobedience, armed forces Modification in occupation post the plan has in progress and which improve the companys danger and if the company do not accept the same on the Schedule of Insurance Certificate. Any assault, a illicit offence or any violation of law with that of unlawful objective. Any individual doing service in any military force or marine or air force while at peace period. Consumption of alcohol or drugs or narcotics except as prescribed by the medical practitioner. Other than in duty, breathe in of smoke or gas. Participation in any aviation other than as a fare-paying passenger in an aircraft that is authorized by the appropriate authorities to carry out such passengers between established aerodromes. Taking part in professional sports or any hazardous pursuits like driving or riding or race, underwater activities involving use of breathing apparatus or not, martial arts, hunting, parachuting, mountaineering, bungee-jumping. Body or mental illness or any disease except where such condition arises directly as a correspondence of an Accident during the Policy Period. However, this exclusion is not applicable to claims made under Permanent Partial Disability benefit. Disability which arises out of Pre-existing Conditions and if not accepted by the Company. Various modes of payment under the plan. There are five modes of payment which are as follows: Credit Card. Net Banking. Debit Card. Various ways and steps involved in purchasing the plans The National Insurance Personal Accident Plans can be purchased through various channels for example National Insurances direct sales person, National Insurances telesales team, or independent advisor or through the official website www[dot]niconline[dot]in or through licensed brokers and agents. However the most common ones are as under: One can buy the plans online which do not require further underwriting and medical check up. One can also visit one of the branches. The customer has to provide the following details: Insureds name, address and date of birth. As above for all the dependants to be covered by the plan. Selection of Health Assurance Benefit and Sum Assured. Existing health plans details and claim history if applicable. Medical history of the proposed insured. Disclosure of any pre existing diseases with details. Height, weight and BMI Underwriting process will be carried out for processing the forms. Claim Process: The claim service of the company is highly efficient and of high standard. One can make 24×7 claims notification. Timely customer service and assistance along with survey and further assistance within a day. Simple claims procedure and ensuring high customer satisfaction. Call at the toll free no of the company and lodge the claim. The following informations are to be provided: Policy Number. Date and time of the accident. Location of the accident. A brief narration or description of the accident. Name and contact number of the person who will be handling the total claim Insured Contact Details. Claim representative will contact the insured person for further process. Claim representative will provide the claim reference number for future reference. After the claim gets submitted and the same is approved, a text message will be sent intimating the surveyor details. After this, the claim will be processed.
