Smart Personal Accident Insurance

Depending upon the coverage's opted, the policy provides cover for the following:

• Accidental Death
• Permanent Total Disablement
• Permanent Partial Disablement
• Double Indemnity For Death Or Permanent Total Disablement
• Temporary Total Disablement
• Hospital Daily Cash
• Transportation Of Mortal Remains
• Funeral Expenses
• Accidental Medical Expenses
• Education Grant for Children
• Legal Expenses

*Kindly refer policy wordings for further details regarding terms & conditions, exclusions & benefit table

A Few Simple & Important Steps in case of a claim

• Please attend to bodily injuries
• Please inform police in event of any accident and obtain the copy of FIR (First Information Report)
• Fill up the claim intimation form (attached to your policy or down load Personal Accident Claim Form)
• Please immediately contact our toll free help line on 18001032292 in the event of any claim. Answer a few simple questions. Our call center executives are there to help you.

We are here to Help You

• Our Claims representative will contact you with in six working hours but not later than 1 working days of claim intimation
• Our representative will brief you on the procedure & documents required & also advise you on the next course of action
• You can reach us anytime for your claim

Thing's to Remember

• Inform the police in case of any accident & obtain copy of report
• If applicable, obtain the medical reports, case histories, investigation reports, treatment papers discharge summary etc. from hospital.
• If applicable, obtain Disability Certificate issued by Civil Surgeon or equivalent as authorized by State Government
• If applicable, obtain Death certificate and postmortem
• Insured has the right to information in case of medical expenses. He can enquire as how the assessment of loss has been done.

Important Definitions

"Accident" means a sudden, unforeseen and unexpected physical event beyond the control of the Insured/Insured Person resulting in bodily injury, caused by external, visible and violent means.

"Bodily Injury" means any accidental physical bodily harm solely and directly caused by external, violent and visible means which is verified and certified by a Physician but does not include any sickness or disease.

"Pre-existing Disability" means a existing disability and consequence of such disability existing or known to exist at the commencement of the Policy period.

"Permanent Total Disablement ": means a bodily injury caused by accidental, external, violent and visible means, which as a direct consequence thereof totally disables and prevents the Insured/Insured Person from attending to any business or occupation of any and every kind or if he/she has no business or occupation, from attending to his/her usual and normal duties that last for a continuous period of twelve calendar months from the date of the accident, with no hopes of improvement at the end of that period.

"Permanent Partial Disablement ": means a bodily injury caused by accidental, external, violent and visible means, which as a direct consequence thereof, disables any part of the limbs or organs of the body of the insured/insured person and which falls into one of the categories listed in the Scale of Benefits Table.

"Temporary Total Disablement ": means a bodily injury caused by accidental, external, violent and visible means, which as a direct consequence thereof totally disables and prevents the Insured/Insured Person from attending to any business or occupation of any and every kind or if he/she has no business or occupation, from attending to his/her usual and normal duties that lasts temporarily for a certain period Within twelve calendar months from the date of the accident.

"Medical expenses " mean reasonable charges unavoidably incurred by the Insured/Insured Person for the medical treatment of the injury the subject matter of the claim either as an In-patient in a Hospital/Nursing Home or as out-patient, and includes the costs of a bed; treatment and care by medical staff; medical procedures, Medical Practitioner's / Consultants fees, medicines and consumables including cost of pacemaker, cost of organs, artificial limbs etc. as long as these are recommended by the attending Medical Practitioner.

Documents Required

a. Claim form duly filled in all aspects and signed by the insured/claimant
b. Depending upon the coverages, following additional documents will be required for processing of the claim.

• FIR/Police report wherever necessary
• Sequence of events
• Attending doctors report
• Original bills and money receipts for the medical expenses
• Medical reports, case histories, investigation reports, treatment papers, discharge summary as applicable
• Disability Certificate issued by Civil Surgeon or equivalent as authorized by State Government
• Post Mortem Report
• Death Certificate from the Municipal Authorities
• Proof of education of the dependent children

*Depending upon the complexity of the claim any additional documents required may be called for.