Sum insured as opted at the time of enrollment in plan shall be paid in the event of death caused due to any bodily injury within 12 months post sustaining the injury.
For any Permanent Total Disablement, the insured shall be eligible for the capital sum insured chosen by the proposer of the plan.
For Permanent Partial Disablement sustained in the event of accident, the insured shall be paid fifty percent (50%) of the capital sum insured chosen by the proposer of the plan.
For the loss of employment as a direct consequence thereof immediately permanently totally and absolutely in case of an accident, a lump sum equal to hundred percent (100%) of the Capital Sun insured will be covered in the plan.
In the event of Death of the insured person due to accident outside her/his residence the expenses incurred for transportation of insureds dead body to the place of residence subject to a maximum of 2% of capital sum insured or Rs 5000/- whichever is less.
Payment of compensation towards Education Fund for the dependent children of the insured as 10% of the CSI subject to a maximum of Rs.5,000/- for one dependent child and for more than one dependent children the payment shall be equal to 10% of CSI subject to a maximum of Rs.10,000/-
Additional coverage for medical expenses available on payment of extra premium.
The medical benefits are in addition to benefits provided under the plan.
For the loss of employment due to temporary total disablement (TTD) as a result any injury , a sum at the rate of one percentage (1%) of the Capital Sum Insured stated in the Schedule hereto per week but in any case not exceeding Rs.3000/- per week in all, under all Plans shall be paid till the time the Insured Person shall be totally disabled from engaging in any employment or occupation of any description whatsoever.
Accidental Death coverage in the event of death of the insured due to an accident within the plan period, Sum Insured is paid to the nominee as mentioned in the plan.
Permanent Total Disability coverage for protection against any accidental injury, causing the insured Permanent Total Disability for 12 consecutive months. The compensation for such cases shall be paid proportionally as per table below.
Permanent Partial Disability is covered for the cases where any accidental injury has resulted in Permanent Partial Disability for 12 consecutive months to the insured. The compensation shall be paid proportionally as per table below.
Exclusion under the plan
The Plan does not provide benefit for any death, disability, expense or loss incurred in result of any injury attributable directly or indirectly to the following:
Intentionally self-inflicted injury, suicide or any attempt thereat while sane or insane
Injury or Disease directly or indirectly caused by or contributed by ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from burning nuclear fuel.
Injury or Disease directly or indirectly caused by or contributed by the radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment or any part of that equipment;
War, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, mutiny, military or usurped power, seizure, capture, arrests, restraints and detainment of all kings, princes, and people of whatsoever nation condition or quality, terrorism
The Insured Persons participation in naval, military or air force operations whether in the form of military exercises or war games or actual engagement with the enemy with foreign or domestic;
Loss sustained or contracted in consequence of the Insured being under the influence of alcohol or drugs unless administered on the advice of a physician and as mentioned in various plans.
Any loss of which a contributing cause was the Insureds actual or attempted commission of, or willful participation in, an illegal act or any violation or attempted violation of the law or resistance to arrest;
Any loss sustained whilst engaging in aviation or ballooning, whilst mounting into, dismounting from or travelling in any balloon or aircraft other than as a passenger (fare paying otherwise) in any duly licensed standard type of aircraft anywhere in the world;
Any opportunistic infection and/or malignant neoplasm, if at the time of the accident or sickness the Insured had an Acquired Immune Deficiency Syndrome (AIDS) or having an antibody positive blood test to HIV (Human Immune-deficiency Virus). Opportunistic infection shall include but will not be limited to pneumosystis carinii pneumonia, organism of Kaposis Sarcoma, central nervous system lymphoma, and/other malignancies now known or which become known as causes of death in the presence of Acquired Immune Deficiency Syndrome;
Any loss sustained while the Insured is participating in contests of speed using a motorized vehicle or bicycle and/or hunting and/or skiing and/or skydiving and/or gliding and/or mounteering and/or winter sports;
Any loss resulting directly or indirectly from or, contributed or aggravated or prolonged by childbirth or from pregnancy.
Loss caused directly or indirectly, wholly or partly by: a. bacterial infections (except pyogenic infections which shall occur through an accidental cut or wound) or any other kind of disease;
Medical or surgical treatment except as may be necessary solely as a result of Injury;
Royal SundaramPersonal Accident Insurance- FAQs
1. How to pay a premium? What are the modes of payment available?
TheRoyal Sundaram General Insurance Co. Limited offers 2 modes of premium payment namely:
Cash payment at the branch
For the online payment mode, the policyholder can pay via;
2. How can I check policy status for Royal Sundaram personal accident insurance?
If you a registred user, simply log into the website with your email id and password.
3. What is the policy renewal process for Royal Sundarampersonal accident insurance?
You can renew the policy online
Step1: Enter your Ploicy Number and Date of Expiry into e-portal
Step2: Calculate the premium
Step3: Select the payment option -Net Banking or Debit/Credit Card to pay
Step4: Upon successful payment completion print/save the premium deposit receipt
4. What is the companys process to settle claim for Royal Sundarampersonal accident insurance?
For the claim you can intimate the company by filling a form online.
You can email: [email protected][dot]in
Royal Sundaram General Insurance Co. Limitedguarantees to settle the claims in 2 days, if all the documents are in order and no discrepancy is found.
5. What is the policy cancellation process for Royal Sundarampersonal accident insurance?
You can visit the nearest branch with your policy documents and submit at the service counter. Once the process is complete the refund will be directly debited in your bank.