Overview

Have? you ever wondered what would happen if you suffer from an accident or injury that affects your ability to work Here's everything you need to know about personal accident insurance cover. Personal Accident Insurance offers financial compensation in the event of bodily injuries leading to total/partial disability or death caused due to accidents. This policy ensures the financial stability of an individual and his family if he/she gets injured or unfortunately ?dies in an accident.

Features & Benefits

??Benefits By Servzone General?

Important Points

Personal Accident Insurance is essential for everyone, irrespective of their age, occupation, and health. You should ideally buy this plan as soon as you start working. Even after taking extensive precautions, accidents do occur. This may result in disablement or loss of limbs or sometimes even death. In that case, a personal accident insurance policy proves to be a savior. The premium of a personal accident cover depends on the occupation you are in.

Mentioned in the list below are three categories under which occupational risks can be segmented.

benefits

Nobody wants to get into an accident, but it is an unfortunate reality for many people every year; You cannot make plans when and where you can certainly prepare yourself against the trauma of the event.

When there is debris of a major car, or a simple trip and fall incident, this is the time when you will feel the benefit of having a personal accident covered. As the number of vehicles in India is increasing rapidly, the probability of getting a road accident has increased to another level. As we have already mentioned, it is always better to be safe than sorry; We advise you to buy a personal accident insurance policy to get a financial cushion against such accidents.

To give you a better understanding of the same, we have listed some benefits of personal accident insurance policy.

• Family Safety
• Worldwide coverage
• No need for medical tests and documentation
• Adequate coverage at low premiums
• Reimbursement of Medical Expenses
• Education Fund for Children
• Easy and hassle free claim process

Importance of Personal Accident Insurance What is it?

Would you be happy if there was a personal accident? Insurance ; Because it will completely cover you for the time when you get caught in an unexpected accident and injure yourself. Let's take a look at why it is important to get personal accident cover.

accidental death benefit;

This benefit comes, with compensation of 100% of the sum assured to the nominee in case of death of the insured person; This is the kind of basic protection that comes with a policy and ensures that your family is stable for a while after you. The nominee will be the legal heir.

Permanent total disability benefits ;

This benefit covers injuries and permanent disability that will prevent you from engaging in any occupation again. This total disability can be the loss of both eyes or the loss of physical separation organs, which not only harms you; You may be traumatized, but financial darkness can cause great trouble. Insurance here ensures that the person is covered.

Child education benefits ;

In case of accidental death or permanent total disability the insured insurance coverage covers the education expenses of dependent children.

Family Safety;

Accidental cover provides complete financial security to families. Thus, it provides great support to the family and gives them some time to recover from the losses.

Important Facts

Servzone is a reputed insurance provider with more than 750 network hospitals, which can be treated immediately at any network hospital. With a lot of things going online, Servzone also has turned to online methods. Many polls are now made available online. In addition, you can answer all your questions about the online policy;

Key features of the policy given by the servzone-;

• Zero paperwork ;

The process has now become easier and completely hassle free with zero involvement of paperwork.

• Reimbursement ;

A expenses and hospitalization, in case of death, is reimbursed to the nominee; 100% sun insurance is provided.

• world wide coverage ;;

policy worldwide and; Twenty four hours; Insurance protection;

• Cumulative Bonus

For each claim-free year, there is an advantage and you can get a 5% increase in the capital sum insured; for each completed and continuous; policy year, subject to a maximum of 50%.;

What is this personal accident insurance policy?

Even if you are extremely cautious on the roads, your safety is not guaranteed. At Servzone General Insurance, we strive to provide the best possible personal accident insurance cover for you.

• 100% of the sum insured; Accidental death ; Insured
• Permanent Total Disability -

• 100% payment of insurance amount on permanent total disability
• Payment of 100% of sum insured in the event of loss of two limbs / two eyes or one limb and one eye
• Payment of 50% of sum insured in the event of loss of one limb or one eye

• A specified percentage of the sum assured will be paid. Permanent Partial Disability
• This personal accident insurance policy is also something Value-Added Benefits -
• mortal car remains

• In the event of accidental death of the insured outside the residence, a lump sum payment of two percent of the capital insured or Rs.500, whichever is less, will be paid for the transportation

• Medical Expense Expansion -

• Personal accident insurance policy can be extended to cover medical expenses on payment of additional premium.
• Gain up to 40% of the compensation paid in settlement of a valid claim under the policy or 20% of the sum assured or actual amount, whichever is less.

Not cover in insurance policy

We have tried to cover all screen areas that occur after an accident, but it is quite impossible to cover them all. This personal accident insurance policy does not cover which of the following?

• Compensation under more than one clause for the same period of disability
• Any claim in the same period exceeding the sum assured Sum Insured
• Payment of compensation due to death or disability
• Suicide, suicide attempt etc.
• Pregnancy and / or childbirth
• War and nuclear crisis
• Ionizing radiation or radioactivity
• HIV / AIDS / or death due to some disease
• natural death; (No; under; alcohol or drugs intoxicating effect)

Key Advantages

? In the event of accident or injury which has resulted in a Claim or may result in a Claim covered under the Policy, the Policyholder / Insured Person / legal heir must notify the Company either at the call center or in writing immediately.

In case of death, written notice of the death must, unless reasonable cause is shown, be so given before internment / cremation, and in any case, within one calendar month after the death, and in the event of loss of sight or amputation of a limb(s), written notice thereof must be given within one calendar month after such loss of sight or amputation.

The following details are to be provided to the Company at the time of intimation of Claim:

1. Policy Number

2. Name of the policy holder

3. Name of the Insured Person in ?whose relation the Claim is being lodged

4. Nature of accident/injury?

5. Name and address of the attending Medical Practitioner and Hospital

6. Date of accident

7. Any other information as requested by the Company

The Policyholder / Insured Person /Nominee /Legal Heir shall submit to the Company the following documents for or in support of the Claim:

1. Death Certificate ( in case of Death Claim)

2. Disability Certificate ( in case of Disability Claim);

3. Duly completed and signed Claim Form, in original

4. Medical Practitioner's referral letter advising Hospitalization

5. Medical Practitioner's prescription advising drugs / diagnostic tests / consultation;

6. Original bills, receipts, and discharge card from the Hospital / Medical Practitioner

7. First Information Report/ Final Police Report;

8. Post mortem report, if available

9?. Any other document as required by the Company to assess the Claim

Claims shall not be admissible under this policy unless the company has been provided with the complete documentation/information which the Company has requested to establish its liability for the claim, its circumstances, and its quantum unless the Policyholder;/ Insured Person has complied with the obligations under this Policy.