How to Buy Personal Accident Insurance Policy Online?
How to Claim Accident Insurance?
Under our personal accidental insurance, if you opt for the basic standard coverage, you can only file a reimbursement claim. However, if you have enhanced your policy with the optional benefit of accidental hospitalisation, you can avail of the cashless claim settlement facility. Below are the steps involved under both types of claim settlement processes under our personal accidental insurance:
| Cashless Claim Process |
Reimbursement Claim Process |
Step 1: Fill out the pre-authorization form available at the insurance desk and send it to our claim management team
Step 2: You will get an approval letter once your claim is verified
Step 3: Make sure to respond to queries from the claim management team
Step 4: File a reimbursement claim request in case your cashless claim request doesn't go through. |
Step 1: Submit your claim form along with the required documents
Step 2: Get the approval letter from the claim management team
Step 3: Respond to queries raised by our claim management team
Step 4: In case your claim is rejected, our claims team will contact you and share the reasons of rejection at the earliest. |
What are the documents required for filing a claim?
You have to apply for a reimbursement claim wherein the insurer reimburses your expenses, subject to policy terms and conditions. The documents required include:
- Duly completed and signed claim form
- Indoor Case Papers
- Hospital Discharge Summary
- Payment Receipts
- Consultation Papers
- Any other document as required by the company
- Medical reports giving the details of the accident, nature of the Injury, and the details of treatment provided, Admission and Death Summary, Accident Report
- Original Death Certificate; if applicable
- Disability Certificate issued by CMO (Chief Medical Officer) as appointed by the Hospital Authorities; if applicable
- A newspaper cutting about the accident (if available)
Difference Between Accidental Insurance & Life Insurance
To understand the benefits of a personal accident cover, it is important to learn how it is different from a life insurance policy.
| Accidental Insurance |
Life Insurance |
| Personal accident insurance plans are specifically designed to cover accident-related losses, including the policyholder's death as a result of the accident. Also, these plans offer cover for hospitalisation, total or partial disablement, reconstructive surgery, ambulance costs, etc. |
Life insurance plans provide coverage to policyholder’s beneficiaries wherein they receive a fixed amount as a lump sum upon the policyholder’s death or the policy’s maturity, whichever is early. Whether accidental or natural, a life cover provides death benefits with a few exclusions. |
For all your healthcare and medical coverage needs, you can opt for our 1 Crore Health Insurance Plan
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