Reliance General Insurance, a key player in India’s insurance sector, offers a diverse range of tailored solutions, including health, motor, marine, and travel insurance.
Leveraging their expertise, they address various life risks, with personal accident plans being crucial.
These plans provide financial aid for accident-induced disability, covering minor to permanent injuries.
Reliance General’s comprehensive coverage acts as a safety net, offering flexibility to manage unforeseen events effectively.
for-a-claim-pro_63681214Accident Protection Scheme
The plan provides coverage for various accident-related risks that can significantly impact both the individual and their family members.
Opting for a comprehensive plan is essential to safeguard oneself and provide support for family members and related expenses.
Coverage includes:
- Accidental Death: Offers 100% of the sum assured for death due to accident-related bodily injury.
- Permanent Total Disability: Provides up to 100% of the principal sum insured for total and permanent disability, including payments for specific impairments.
- Permanent Partial Disability: Pays a percentage of the sum insured based on the extent of permanent partial disability.
- Temporary Total Disability: Offers weekly payments of 1% of the sum insured, up to Rs 5000 per week for a maximum of 100 weeks, for temporary total disability.
Additional coverage:
Mortal Remains Transportation: Upon accidental death away from home, receive a lump sum equal to 2% of the capital sum insured for transportation.
Medical Expenses Benefit:
Extend coverage to include medical expenses, with compensation capped at 40% of the settlement amount in a valid claim or 20% of the relevant sum insured, whichever is lower.
Off-duty and On-duty Cover:
Employees can benefit from reduced premiums.
Eligibility: Individuals aged between 5 and 70 years qualify for this plan
. Furthermore, it can be extended to groups or utilized by employers for their employees. Additionally, institutions, societies, or clubs can avail themselves of this plan for their members.
Features and Benefits:
- Comprehensive coverage for death, permanent disability, and temporary disability.
- Additional coverage options, such as off-duty and on-duty cover, are available.
- Extension for medical expenses is offered, with worldwide coverage.
- Fast and hassle-free documentation process.
The following are exclusions applicable to this plan:
- Suicide or self-inflicted injury, regardless of the insured person’s mental state.
- Claims exceeding the capital sum insured within the same insurance period.
- Compensation for death or disablement resulting from suicide or attempted suicide, war, nuclear perils, pregnancy, childbirth, ionizing radiation, or radioactivity.
Claims Process:
- Reliance General provides simple and hassle-free claims for their insurance plans.
- Immediately contact the toll-free number after the incident and provide the following information:
- Contact Number
- Policy Number
- Name of the injured insured person
- Date and time of the accident
- Location of the accident
- Brief description of the accident
- Extent of loss
- Place and contact details of the insured person
- Grievance Redressal:
- Toll-free number or email at rgicl.services@relianceada.com
- Email the Nodal Officer at rgicl.grievances@relianceada.com if not satisfied with the response
Further escalation to the Head Grievances at rgicl.headgrievances@relianceada.com can be pursued if necessary. As a final step, individuals can appeal to the Insurance Ombudsman for further redressal
Also read: Personal Accident Insurance In Malaysia
Reliance Personal Accident Insurance FAQs:
- Premium Payment:
- Modes: Cash payment at the branch or online payment via Credit Card, Debit Card (with ATM PIN or 3 D secure), Net banking.
- Policy Status:
- Check online using username and password in the Login tab on the homepage.
- Policy Renewal:
- Renew online on the company website by providing current policy details and proceeding with premium payment.
- Claim Settlement:
- Intimate the company online by filling a form and uploading relevant documents.
- Claims are settled within a week upon successful acceptance.
- Policy Cancellation:
- Submit policy documents with surrender form at the nearest branch.
- Refund is deposited directly into the bank account upon successful processing, and the policy is cancelled.