Eligibility and Personal Accident cover for individual and family
Individuals aged from 5 years- 70 years are eligible for this plan.
The total Sum Insured for one person will not exceed 60 months salary/income from the present occupation. However, income from shares, property will not be taken into consideration under this plan.
Earning member (person insured) Capital Sum Insured for each as per the rules.
Spouse ( if not earning member)
Dependent Children (Aged between 5years to 25 years).
One can avail 10% discount on the family Package.
Exclusions under the plan
The following are the exclusions under which the company will not pay any benefit to the Insured Person:
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.
The plan does not cover for Bodily injury or Sickness aggravated by the insured person knowingly.
The plan does not cover for 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.
The plan does not cover the loss for taking part in winter 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, skydiving, hand gliding, scuba diving or driving in races, rallies using a bicycle or motorized vehicle, caving or pot-holing, yachting or boating outside coastal water miles of 2 miles, participation in professional sports.
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.
Working in underground mines or explosive magazines, or involving electrical installation with high tension supply, or as jockies or circus personnel, or engaged in activities like racing on wheels, horseback, big game hunting.
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.
The plan does not cover for bodily injury while the insured person is travelling by air other than as a fare paying passenger.
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 nuclear, chemical, biological or terrorism.
Committing an assault, a criminal offence or any breach of law with that of criminal intention.
The plan does not cover for bodily injury which occur due to participation in any violent labour disturbances riot or civil commotion or public disorder.
The plan does not cover treatments of nervous or mental problems.
If the insured person is injured or fall sick due to venereal or venereal related disease.
Various modes of payment under the plan
There are five modes of payment under this plan which are as follows:
Claim Process under Personal Accident Plan
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 and lodge the claim. The following informations are to be provided:
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.
The claim intimation sheet can be downloaded from the website and can be sent to chd[at]shrirami[dot]com. 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.
A Surveyor is appointed to assess the loss of the insured vehicle and inspection of the same. Post which the approval is given and the insured is intimated about the claim status.
The Surveyor will contact for suitable time for survey and will conduct the survey.
After this, one can contact at CHD / Surveyor when the vehicle is ready for inspection.
The claim status can be tracked from the official website of www[dot]shriramgi[dot]com >Claims