Accident Policy

Accident Shield Online

This is available for the age band between 5 to 70 years. The proposer's age should be between 18 to 70 years.

Key Benefits

Instant Coverage
No Medical Examination
Worldwide Cover
Three convenient plans to choose from – Silver, Gold and Platinum
Educational Grant for 2 dependant children up to Rs. 10000/- per policy
Family discount of 10% for insuring 3 or more people in a family
Simple and easy claims process

Policy Terms and Conditions

Who can be covered?

Any person who is a Resident of India between the age of 18 years and 70 years can propose for this insurance. This Insurance is also available for spouse (Maximum age of 70 years) and dependant children (Minimum age of 5 years and Maximum age of 18 years) on payment of relevant premium.

What are the Benefits under the Policy?

Death Benefit: In the unfortunate event of a fatal accident, the Sum Insured will be paid to the nominee of the Insured Person.
Permanent Total Disablement: In the unfortunate event of an accident resulting in Permanent Total Disablement, the Insured Person will be paid the Sum Insured.
Permanent Partial Disablement: In the unfortunate event of an accident resulting in Permanent Partial Disablement, the Insured Person will be paid a specified percentage of Sum Insured, according to the disability which has been listed in the policy.
Education Grant: In the event of death or Permanent Total Disablement (PTD) of any of the Insured Parent due to an accident as defined in the Policy, the Company shall pay educational grant for the dependent Children who are in full term education as under:-
One dependant child: Rs.5000/- per policy
More than one dependant child: Rs.10000/- per policy
Rs.10000/-towards Transportation expenses of mortal remains in case of accidental death of Insured person.

Claim Free Benefits

If the policy is claim free and is renewed without any break, the benefits under death and Permanent Total Disablement coverage are increased by 5% for every claim free year up to 25%.
No Medical Examination
No medical examinations or lengthy forms are required to enroll to Accident Shield Online.

Plan and Premium

YEAR	COVERAGE	PLANS (In Rupees)
		Silver	Gold	Platinum
	Death	5,00,000/-	7,50,000/-	10,00,000/-
	PTD	5,00,000/-	7,50,000/-	10,00,000/-
	PTD (as a %)	5,00,000/-	7,50,000/-	10,00,000/-
	Transportation expenses of mortal remains	10,000/-	10,000/-	10,000/-
	Education grant for one child Rs. 10,000/- (up to maximum of 2 children in event of accidental death or PTD of either Parents insured)	10,000/-	10,000/-	10,000/-
One Year	Premium inclusive of 10.3% ST	589/-	834/-	1,080/-
Two Year	Premium inclusive of 10.3% ST	1,080/-	1,571/-	2,062/-