Shriram General Personal Accident Plan 2024, Benefits, Features, Buy & Renew Details, Reviews

Why one should avail Shriram General Personal Accident Insurance Plan?

Are you worried about the possibility of an accident that could leave you injured or financially devastated? Shriram General Personal Accident Insurance Plan can help ensure that you’re covered in case of a serious injury or unforeseen event. This plan provides comprehensive protection for both you and your loved ones, including medical expenses, lost income, and more. Plus, it’s fully portable, so you can take it with you wherever you go. So if you’re ever in a situation where you need insurance coverage, don’t hesitate to consider Shriram General Personal Accident Insurance Plan.

The following are some of Shriram Personal Accident’s distinctive features:

• Accidental death or total and permanent disability are covered by the policy.
• As additional coverage, one can select Accidental Hospitalization Expenses and Accidental Hospital Daily Allowance.
  coverage worldwide.
• The plan covers a variety of accidents, including those on the road, rail, and caused by natural disasters and terrorism.
• Purchases can be made online and in installments.
• There is no need for a health check, and there are several options that cover almost all of the home’s corners.
  ability to select plans based on individual requirements.
• Plans that are hassle-free and completely transparent This plan also protects the property and its contents completely.
• Under the rebate plans, the premiums for all plans are low.

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Benefits of Personal Accident Plan:

 The following are the benefits of the Personal Protect Plan which one can avail:

• Security for the family:  In the event of a calamity, the family is completely protected in terms of what they will need in the future and provides a great deal of support and assistance in resolving financial issues and liabilities.
• Specific Plans: The sum assured and plan duration can be selected from a variety of options to customize the plans. The amount guaranteed can be chosen based on current income, potential future earnings, and liability.
• Extensive Reach: This plan covers a variety of accidents, including rail accidents, terrorist acts, natural disasters, and road accidents.
• There are no tests: There is no need to go through the hassle of getting checked by a doctor.
  Convenience Online: The Personal Protect Plan can be purchased online with minimal paperwork and ease. Additionally, there are a variety of ways to pay the premiums.

Coverages under the plan

The Shriram General Personal Accident Plan includes the following insurance policies:

• Plan for Accidental Death: In the event of a death that occurs within a year of an accident that was caused solely and directly by external, violent, and visible means, 100% of the amount insured is paid. In addition, the company will pay twice the amount insured under this plan if a death occurs while a fare-paying passenger is traveling in a commercial ship or aircraft.
• The plan covers the insured’s losses up to the capital sum insured if the insured suffers bodily injury within a 12-month period following the occurrence of the accidental bodily injury, which is caused solely and directly by external, violent, and visible means and results in the irrecoverable loss of both eye sights or the actual loss by physical separation of two entire hands, two entire feet, or of such loss of one eye sight and such loss of one entire hand or one entire foot.
• Total and permanent incapacity: If the insured person suffers bodily injury that results in the loss of limbs or sight solely and directly as a result of an accident and permanently, totally, and absolutely prevents the insured person from engaging in any occupation or employment, then this plan covers the loss.
•  The percentage of the insured sum is payable in accordance with the schedule if, within a year of the injury’s occurrence, it results in total or partial irrecoverable loss of use or actual loss by physical separation of the following.
• Medical bills totaling Rs. 5000 per amputation.

Eligibility and Personal Accident cover for individual and family

Looking to get personal accident cover for yourself or your family? Check out our blog for information on eligibility and the range of cover options available. In this post, we’ll discuss the types of personal accident cover available and explain how each type of coverage works. We’ll also provide a guide to personal injury compensation, detailing the steps you need to take to make a claim. So whether you’re looking for general protection from accidents, or specific cover for a specific event, we have everything you need to know in this blog post.

This plan is open to people between the ages of 5 and 70.

One person’s Sum Insured will not exceed 60 months’ salary or income from their current job. However, this plan will not take into account income from shares or property.

• Capital Sum Insured for each earning member (insured person) in accordance with the rules.
• Dependent Children of the Spouse (if they are not the earning member)
• On the family package, there is a 10% discount available.

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Exclusions under the plan

The Insured Person will not receive any benefits from the company for the following reasons:

• Compensation for the insured person’s death, disability, injury, illness, or hospitalization as a result of war—whether 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 detentions.
• The insured person’s intentional aggravated bodily injury or illness is not covered by the plan.
• Intentional and deliberate exposure to danger, self-inflicted injury, suicide or attempted suicide, and non-adherence to medical advice are not covered by the plan.
• If the insured gets hurt or gets sick because they drank, used drugs, or drank, unless the doctor tells them not to.
• Compensation for the insured person’s death, disability, injury, illness, or hospitalization as a result of, directly or indirectly, prolonged childbirth or pregnancy.
• Compensation for the insured person’s death, disability, injury, illness, or hospitalization as a result of, directly or indirectly, prolonged childbirth or pregnancy.
• If the insured travels by air other than as a fare-paying passenger, the plan does not cover bodily injury.

Various modes of payment under the plan

There are five modes of payment under this plan which are as follows:

• Credit Card.
• Net Banking.
• Bill Pay.
• Debit Card.
• Cash Card.

Claim Process under Personal Accident Plan

The company provides excellent and highly effective claim service. One can notify of claims round-the-clock. prompt assistance and customer service, as well as a survey and additional assistance within a day. a straightforward claim procedure and high levels of customer satisfaction.

• Make a call to the toll-free number and file a claim. The following details must be supplied:
• No. of the policy.
• the accident’s date and time.
• Where the accident occurred.
• a brief account of the incident or description of it.
• The insured contact details include the name and phone number of the individual in charge of the entire claim.
• You can download the claim notification sheet from the website and send it to chd[at]shrirami[dot]com. The insured will be contacted by a claim representative for further action.
•  The claim representative will give you the claim reference number so you can use it in the future.
• A text message with information about the surveyor will be sent after the claim is submitted and approved.
• A surveyor is hired to look over the insured vehicle and determine how much it was lost. After that, the approval is given, and the insured is informed of the status of the claim.
• The survey will be carried out by the surveyor, who will contact for a suitable time.
• When the vehicle is ready for inspection, one can contact the CHD or Surveyor.
• The official website of Shriram Ghi, located at www.shriramgi.com, can be used to monitor the claim’s status.

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Documents needed for Accidental Injury Claims

• Claim form.
• Policy Copy.
• Attested/Original FIR
• Attested/Original Post Mortem Report
• Discharge Certificate.
• Indemnity cum declaration bond.
• No Objection Certificate.

Documents needed for Permanent Total Disablements

• Claim form.
• Policy Copy.
• Attested FIR copy.
• Disability Certificate from Doctor.
• Photo of the injured showing the disablement.
• Doctor’s prescription and line of treatment advised.
• Original bills, receipts, cash memos with related treatment papers.

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