Reliance General Personal Accident Plan – One of India’s leading general insurance companies, Reliance General Insurance Company offers a variety of insurance options or plans. In order to meet the requirements of insurance plans for a variety of aspects of life, the plan differs from health insurance plans, motor insurance plans, marine insurance plans, travel insurance plans, and a host of other general insurance plans.
A group insurance policy with the features of a is the Reliance Personal Accident policy. This policy is especially useful for organizations like clubs and businesses where employers can cover employees’ accidental injuries. It has a lot of features that make it easier for the insured and their family to afford medical bills if they get into an accident that leaves them permanently or temporarily disabled or dead.
Reliance General Personal Accident Plan 2023
Are you or a loved one a victim of a personal accident? If so, you may be wondering whether you need to take out a personal accident insurance policy. In this blog post, we’ll explore the benefits of having a Reliance General Personal Accident Plan and help you decide if it’s the right policy for you. We’ll also provide an overview of the policy and explain the different types of coverage it offers. So whether you’re looking for comprehensive protection in case of an accident, or just want to know what your options are, read on to learn more about Reliance General Personal Accident Plans.
Reliance General’s insurance plans combine healthcare expertise, proficiency, and local understanding of health and insurance requirements. The company offers a variety of health insurance plans as well as individual accident plans, resulting in a comprehensive insurance package that covers all risks. A personal accident plan plays a crucial role in an individual’s insurance portfolio. First, if the policyholder is disabled as a result of an accident that results in permanent total disability, temporary total disability, or even an unfortunate death, it provides a significant financial support. Second, it doesn’t matter how severe the injuries are—minor ones are typically covered by the policy. Plans that cover everything in the event of an accident are available through Reliance General Personal Accident insurance.
Reliance General Personal Accident Plan Details
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About Reliance Personal Accident Health Insurance
Reliance General Insurance’s Personal Accident Policy covers your medical bills and provides compensation in the event of an accident-related disability or death. In the event of an accident, it provides financial protection for the individual and his or her family. The policy offers a variety of sum insured options that start at Rs. Rs. 5 lakh and up 20 Lakh. An individual can purchase a Personal Accident Policy. In addition, it provides a 5% increase in the sum insured for each year without a claim.
The policy’s ability to provide a 5% increase in the total amount insured for each year without a claim is one of its best features. This policy can be purchased online without the need for any paperwork. Garage and auto mechanics, mountaineers, journalists, construction workers, cash-carrying employees, contractors, and engineers performing only supervising duties are the best candidates for this policy. If the policy covers you, you can also get coverage for paying for your dependent children’s education.
Reliance General Personal Accident Plan
The Personal Accident Plan covers a wide range of risks related to unforeseen events like accidents. Accidents not only alter a person’s life, but also the lives of those who are related to the victim. As a result, one should always look for a comprehensive plan that will not only take care of oneself but also the members of one’s family and the costs that come with them. The following is a summary of the plan’s coverage or specified events:
- Accidental Death Plan.
- Permanent Total Disability Plan.
- Permanent Partial Disability Plan.
- Temporary Total Disability Plan.
Let’s look into the above plans individually:
Accidental Death Plan :100% of the assured amount is paid in the event of death or bodily injury caused solely and directly by an accident.
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Permanent Total Disability Plan :
In the event of permanent total disability, this plan will pay up to one hundred percent of the insured principal sum. the event of the loss of two limbs, two eye sights, or one limb and one eye, the sum insured is paid in full. In the event of the loss of one limb and one eye, the sum insured is paid in half.
Under this plan, the Insured Person will be unable to perform at least one of the following activities:
Unfit for Work:
means that the insured person will never be able to work in any job or occupation in his lifetime. limb or sight impairment: This indicates that the insured person has lost total and unrecoverable use of two limbs, sight in both eyes, or both use and sight in one eye. Inability to live independently: This includes situations in which the insured person is unable to independently complete three or more tasks. The following are some of the tasks:
Permanent Partial Disability Plan : A certain percentage of sum insured is paid under Permanent Partial Disability plan.
Temporary Total Disability Plan: 1% of Sum Insured will be paid per week in case to total disability, sum not exceeding Rs 5000/- per week for a maximum of 100 weeks.
Add On Coverage under the plan
The plan has also some added benefits:
- Carriage of Mortal Remains
A lumpsum of 2% of capital aggregate protected will be paid for transportation in the event of unintentional passing external the home ( dependent upon limit of Rs 2500).
Medical Expenses Benefit
The arrangement can be stretched out to cover the clinical costs upon installment of additional premium. Benefit upto 40% of the pay paid in settlement of a substantial case under the arrangement or 20% of the pertinent total guaranteed, whichever is lesser.
Of duty and On duty Cover : This plan can be given to employees for a reduced premium.
Eligibility of the plan
People matured between 5 years to 70 years are qualified to apply for this arrangement. This plan can be given to gathering of people. It can likewise be profited by bosses for their workers or by any Establishment/Society/Club for their individuals.
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Features and Benefits
Are you looking for a comprehensive general personal accident plan that offers a range of features and benefits? Look no further than Reliance General Personal Accident Plan. In this blog post, we will take a look at the features and benefits of Reliance General Personal Accident Plan and how they can benefit you. We will also discuss the eligibility criteria and how to apply for coverage. So whether you’re a business owner looking for a comprehensive general personal accident plan, or an individual looking for peace of mind in the event of an accident, this blog post is for you.
- The plan offers comprehensive cover for death, permanent disability and temporary disability.
- Additional coverage is also offered under the plan.
- Option for an off duty and on duty cover.
- Extension can be availed for medical expenses.
- Under this plan, the coverage is available worldwide.
- Fast and hassle free documentation.
Exclusions under the plan
If you’re looking to purchase a Reliance General Personal Accident Plan, you may be wondering which exclusions are covered under the plan. In this blog post, we’ll provide a list of the most common exclusions and explain how they apply to you. We’ll also provide tips on how to make sure you’re aware of these exclusions and understand what they mean for your coverage. So whether you’re new to the Reliance General Personal Accident Plan or just need to know more about its exclusions, read on to learn everything you need to know.
Following are the exclusions which are applicable under this plan:
- Suicide or self injected injury irrespective of the Insured person being sane or insane.
- Claims in the same period of insurance plan exceeding the capital sum insured.
- Compensation due to death or disablement arising out of
- Suicide or attempted suicide.
- War and nuclear perils.
- Pregnancy and /or child birth.
- Ionizing radiation or radioactivity.
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Claims under the plan
Straightforward and bother free cases are given by Dependence General to their protection plans. One ought to contact at the complementary number following the occurrence followed by outfitting the beneath referenced data:
- Contact Number.
- Policy Number.
- Name of the insured person who is injured.
- Date and time of accident.
- Location of the accident.
- Brief narration of the accident.
- Extent of loss.
- Place and contact details of the insured person.
- One can reach at the toll free number or email at [email protected].
- If someone is not satisfied with the response, then one can email – Nodal Officer at [email protected].
- The next level of escalation is one can email at Head Grievances at [email protected].
- The last step will be the Insurance Ombudsman for further redressal.