Accident happen’ – the phrase in itself speaks a hundred words. HGI Group Personal Accident Insurance Policy indemnifies you against financial losses arising due to injury or death resulting solely and directly from accident caused by external violent and visible means, riot, strike, malicious act, sabotage and terrorism.
We issued first policy on 1st December, 1993.
What is covered?
It covers losses incurred by the following if caused by an accident:
| A. Death | 100% of Sum Insured Amount |
| B. Permanent Total Disablement | 100% of Sum Insured Amount |
| C. Permanent Partial Disablement | |
| i) For Loss of hearing capacity of one ear/Loss of thumb in hand | 50% of Sum Insured Amount |
| ii) For Loss of index finger in hand | 20% of Sum Insured Amount |
| iii) For Loss of any other finger in hand | 15% of Sum Insured Amount |
| iv) For Loss of thumb in foot | 7% of Sum Insured Amount |
| v) For Loss of any other finger in foot | 5% of Sum Insured Amount |
| vi) For Loss of other parts as prescribed by specialist | 4% of Sum Insured Amount |
| D. Temporary Total Disablement | 1% of Sum Insured amount per week (not exceeding weekly salary) |
| E. Medical Benefits (Accidental) | Up to 10% of individual’s sum insured amount, maximum of Rs. 1,00,000/- |
| F. Funeral Expense | Rs 10,000/- |
| G. Funeral Transportation Expense | Rs 10,000/- |
What’s required to get insured?
- Duly completed Proposal Form
- KYC form to be duly completed
- Staff details (Name, Designation, DOB)
What’s required for claim?
In case of Injury
- Claim intimation (by letter or email)
- Claim Form duly completed by the claimant with stamp
- Medical Reports duly completed by the concerned doctor/hospital with stamp
- Attending doctors/hospital’s Prescriptions/reports and Discharge Summary if admitted in original or copy.
- Original Cash bills (Tax invoice) incurred for treatment expenses.
- Your Confirmation about date of joining office by the injured staff after leave.
- Certified copy of attendance register/Leave details
- Monthly salary of injured staff.
In case of Accidental Death
- Claim intimation (by letter or email)
- Claim Form to be filled in by concerned office with official stamp/seal
- Attending doctors/hospital’s prescriptions/reports in original or copy.
- FIR Lodged on the concerned Police Authority.
- Original Police Report.
- Spot investigation report (SarjaminMuchulka.)
- Post Mortem Report.
- Death Registration Certificate.
- Dead Body hand over certificate (Las SadagatPurji.)
- Other relevant documents, if any.
