The Compensation Benefit under this plan will depend upon the nature of injury and the Sum Insured under the plan: 100% of Capital Sum Insured will be paid in case of Death or Permanent Total Disability. For Temporary Total Disablement, the company will provide compensation at 1% of Capital Sum Insured or Rs 5000/- whichever is lesser. However the same will be restricted to a maximum of 104 weeks. The Compensation under Permanent Partial Disablement Plan will depend on the nature of injury and corresponding percentage of Capital Sum Insured as mentioned in the “Table of Benefit” under the Policy document or as per the medical advices of companys appointed Medical Practitioner. Additional Coverage under the plan The following coverages are also there under this policy: Cost of transportation for carrying the dead body to home which includes the funeral charges as well. Ambulance charges for transportation of Insured individuals to Hospital after the accident. Cost of clothing damaged in accident as mentioned above and liability of disablement is admitted by company. In case of Death and Permanent Total Disablement of the insured person, the company will provide an education assistance and support of Rs 5000/- each for two dependent children. In the event of Permanent Total disability, where the insured person has lost his/her employment, the company will 2% of individual sum insured. Additional coverages under the plan upon payment of extra premium An extension can be done after payment of additional premium to get the following covers: Hospital Confinement Allowance: If an insured person is hospitalized due to an accident resulting to bodily injury, death or disablement, the company provides a hospital confinement daily allowance of Rs 500/- per day However, the number of days is restricted to 30 days. Medical Expenses: If an insured person is hospitalized due to an accident resulting to bodily injury, death or disablement, the company will reimburse the medical expenses which are reasonable and necessary. Exclusions under the planFor Bodily injury or Sickness due to intentional and deliberate exposure to danger, self inflicted injury, suicide or attempted suicide or non adherence to the medical advise. If the insured person is injured or fall sick due to consumption of alcohol or drugs or narcotics unless professionally advised by the Doctor. For bodily injury which occur due to participating in any criminal act. If the insured person is injured or fall sick due to venereal or venereal related disease. Payment of compensation in respect of death, disablement, injury, illness disease hospitalization of the insured person due to participating in any hazardous Sports. Bodily injury caused as a result of terrorism. Payment of compensation in respect of death, disablement, injury, illness disease hospitalization of the insured person due to or arising out of , directly or indirectly due to war irrespective of declared or not, invasion, hostilities, civil war, martial law, act of foreign enemy, rebellion, revolution, insurrection, military or usurper power, riot or civil commotion, seizure, capture , arrests, restraints and detainments. Payment of compensation in respect of death, disablement, injury, illness disease hospitalization of the insured person due to or arising out of , directly or indirectly due to Ionizing radiation or contamination by radioactivity from any nuclear fuel or nuclear waste. Nuclear weapon materials. Payment of compensation in respect of death, disablement, injury, illness disease hospitalization of the insured person due to or arising out of , directly or indirectly due to prolonged childbirth or pregnancy. For Bodily injury or Sickness due to on duty with armed forces. Claims The claim service of the group is extremely efficient and user friendly which provides world class claim process and standards. The Surveyors, TPAs (Third Party Administrator) are of top class so that the company is able to provide a hassle free claim service. Clams are to be intimated immediately at the call centre number. The following documents are needed to register a claim: Policy Number. Date and time of loss. Location of the damaged property. A brief narration or description of the incident. Name and contact number of the person who will be handling the total claim Contact Raheja QBE Insurance Email at claims@rahejaqbe[dot]com Complaints Redressal One can contact the company through the following ways to express their dissatisfaction or complaints: Send a letter to the policy issuing office. One can also send a fax to the number at +91 22 4231 3777. Send an email to complaintsofficer#rahejaqbe[dot]com One can also register a complaint at the official website of the Regulators at www[dot]iqms[dot]irda[dot]gov[dot]in One can also register complaints online in the companys official website www[dot]rahejaqbe[dot]com
