Group Personal Accident Insurance

Group Personal Accident Insurance

_________________________________________________________________

 

 A Group Personal Accident Plan specially curated for account holders of India Post Payments Bank. 'A Second' is all it takes for one's life to turn upside down due to an accident. From the physical damage it causes to the financial stress, the implications it can have on the victim and their family are unimaginable. We understand the need for a 360° protection and a wholesome financial support system that compensates the insured and their family at every step of this phase. That is why we bring to you Reliance Group Accident Guard, a policy that offers all-round protection, indemnifying the insured against not just accidental disability or death but also the after-effects that arise from an accident. From covering hospitalisation expenses to OPD, to even personal & financial liabilities like Child education & last rites expenses & more, this policy ensures holistic support to the insured & their family at the time of need. What's best is that all of this is backed with the convenience of technology for faster assistance and a whole lot of heart, because we know the care insured & their family deserve

 

Products Features & Benefits:

_________________________________________________________________

 For 5 LAKHS Sum Insured:

 Sr No

Coverage Details

Sum Insured ( Rs )

Remark

1

Accidental Death

₹                                                                          5,00,000

Pays INR 5,00,000 if bodily injury results in accidental death

2

Permanent Total Disability

₹                                                                          5,00,000

Pays INR 5,00,000 if bodily injury results in permanent total disability

3

Permanent Partial Dsiability

₹                                                                          5,00,000

Pays fixed percentage if bodily injury results in permanent partial disability up to INR 5,00,000

4

Accidental Hospitalization

₹                                                                             50,000

Claims arising from injury on In-Patient Basis which is admissible under the Policy on the written medical advice of a Medical Practitioner  upto Rs 50000

5

Family Transportation

₹                                                                             15,000

Rs 15000 or actuals whichever is lower

6

Last Rites Expenses

₹                                                                                5,000

Upto Rs 5000

7

Child Education Upto 2 Child

Upto 10% of AD Sum Insured

 Upto 10% of AD Sum Insured, maximum upto Rs 100000

8

Terrorism Cover

Covered

 Covered

9

Tele Consultation

YES

Unlimited Tele Consultations

10

Exclusive Discounted Benefits

YES

Exclusive Discounted & Benefits:
- Up to 25% discount on routine Lab tests
- Up to 15% discount on prescription medicines & FMCG products

For 10LAKHS Sum Insured:

 Coverage Details

Sum Insured ( Rs )

Remark

Accidental Death

₹                                                                       10,00,000

Pays INR 10,00,000 if bodily injury results in accidental death

Permanent Total Disability

₹                                                                       10,00,000

Pays INR 10,00,000 if bodily injury results in permanent total disability

Permanent Partial Disability

₹                                                                       10,00,000

Pays fixed percentage if bodily injury results in permanent partial disability up to INR 10,00,000

Family Transportation

₹                                                                             25,000

Rs 25000 or actuals whichever is lower

Last Rites Expenses

₹                                                                                5,000

Upto Rs 5000

Child Education Upto 2 Child

Upto 10% of AD Sum Insured

 Upto 10% of AD Sum Insured, maximum Rs 100000

Terrorism Cover

Covered

 

Accidental Hospitalization

₹                                                                          1,00,000

Claims arising from injury on In-Patient Basis which is admissible under the Policy on the written medical advice of a Medical Practitioner  upto Rs 100000

Accidental Hospitalization- OPD

₹                                                                             30,000

Upto Rs 30000 or Actual loss on OPD basis for accidental injuries, whicever is lower

Daily Cash Benefit

₹                                                                                   500

Rs 500 per day

In-patient Treatment

Daily Cash Amount * 30 Days

Inpatient - Daily Cash Amount*30 Days, AYUSH Treatment, Maximum upto 15 days taken on inpatient basis.
Time deductible Options: 48 hours

ICU Benefits

Additional 100% of DCA, maximum upto 15 days

Additional 100% of Daily Cash Amount per day (24 hours) of continuous ICU Hospitalization, maximum up to 15 days

Day Care Treatment

DCA*5( Payable five times in a year)

Lump sum amount equal to Daily Cash Amount for each Incidence of Day Care Treatment

Maternity Benefit

Covered

 Lumpsum payment of 5 times of Daily Cash or Rs 35000, whichever is lower. Maximum two claims are payable in lifetime with a waiting period of 9 month from policy 1st policy  inception date

Convalescence Cover

₹                                                                                1,500

INR 1,500 (DCA*3), where In-patient hospitalization is for minimum 10 Days. Payable Once in policy period

Standard Waiting Period

30 Days

 30 Days

Waiting Period for Pre-Existing Diseases

12 Months

 12 Months

Waiting Period for Specific illness

12 Months

 12 Months

Maternity Waiting Period

9 Months

9 Months from 1st policy inception date

Tele Consultation

YES

Unlimited Tele Consultations - General Physician

Exclusive Discounted Benefits

 YES

Exclusive Discounted & Benefits:
- Up to 25% discount on routine Lab tests
- Up to 15% discount on prescription medicines & FMCG products

         

Claim Process  

______________________________________________________________

Claim Intimation and Registration:

For Claims - IPPB customers to approach RGIC via various digital modes as - 

    1. RGI website (https://www.reliancegeneral.co.in/insurance/self-help/intimate-claim-health.aspx )
    2. Through Self-I App,
    3. Though email intimations (rgicl.rcarehealth@relianceada.com)  &
    4. can contact RGIC support number -  022-4890 3009 (paid number).

The following information shall be obtained by the Company during claim intimation:

  1. Member ID number.
  2. Policy Number.
  3. Policy type.
  4. Name of the Insured availing treatment.
  5. Contact number/ Email ID of the Insured.
  6. Nature of sickness / accident.
  7. First investigation report
  8. Complete treatment record/Discharge summary
  9. Post Mortem report if any
  10. KYC document of Nominee
  11. Disability Certificate issued by Government Medical officer mentioning disability percentage.
  12. Any other relevant information. 

        Click here to download the Claim forms (Refer the attached zip file)

FAQs

Disclaimer - The participation by IPPB’s customer in insurance products is purely on a voluntary basis. There is no ’linkage’ either direct or indirect between the provision of banking services offered by the bank to its customers and use of the insurance products.