Royal Sundaram Group Personal Accident Insurance

About Royal Sundaram General Insurance Company

Royal Sundaram General Insurance Co. Limited, previously known as Royal Sundaram Alliance Insurance Company Limited, is a well-established private general insurance provider in India. It achieved a notable milestone in October 2000 by becoming the first private insurer to secure a license from the Insurance Regulatory and Development Authority of India (IRDAI).

They offer diverse general insurance solutions tailored for individuals, families, and businesses. Their offerings for individuals include Motor, Health, Personal Accident, Home, and Travel Insurance. For commercial clients, the company provides specialised coverage for areas such as fire, marine, engineering, liability, and business interruptions. Recognising the unique needs of small and medium enterprises (SMEs) and rural segments, they have also introduced customised insurance products designed to address their specific requirements.

Key Features of Royal Sundaram Group Personal Accident Insurance

The key features of Royal Sundaram Group Personal Accident Insurance are:

• Affordable Premiums: The plan offers competitive premium rates, making it cost-effective for organisations.
• Hassle-Free Claims: Enjoy a simple claim process for added convenience.
• Flexible Coverage Options: Choose from a range of sum-insured options and coverage to suit your specific needs.
• Enhanced Medical Expense Coverage: Get higher medical expense limits for better financial protection.
• Increased Disablement Benefits: The plan has higher limit plans for Temporary Total Disablement benefits. It can help ensure adequate support during recovery.
• Customisable Duty-Based Coverage: The policy allows you to restrict coverage to on-duty hours, providing tailored protection.
• Repatriation Expenses: The plan covers the cost of transporting mortal remains, subject to the actual sum insured or up to 2% of the insured amount, with a maximum limit of ₹2,500.

Royal Sundaram Group Personal Accident Insurance Inclusions

The Royal Sundaram Group Personal Accident Insurance policy provides coverage for bodily injury because of an accident that is caused by violent, external, and visible means that results in disablement or death within one year from the accident date.

The cover under this plan is available worldwide and is provided for 24 hours. However, if a company wants to provide restricted cover for its employees for the period they are only on duty, the policyholder can do so at a comparatively lower premium.

Royal Sundaram Group Personal Accident Insurance Riders/ Add-Ons

The riders or add-on covers can be availed by paying an additional premium. The riders offered by the Royal Sundaram Group Personal Accident plan are:

• Cover for temporary total disablement
• Extension of medical expenses

Royal Sundaram Group Personal Accident Insurance Exclusions

The policy does not provide coverage if the bodily injury or death is sustained from:

• Intentional injury to self, attempt to suicide, or suicide
• Under the influence of drugs or intoxicating liquor.
• Engaging in activities related to ballooning or aviation, including mounting or dismounting from an aircraft or balloon (except while travelling as a passenger).
• Any disablement or death directly or indirectly linked to pregnancy or childbirth.
• Incidents arising from any criminal activity committed by the insured.

Documents Needed for Personal Accident- Disablement Claim

The list of required documents in case of filing a disablement claim is as follows:

• Claim form that is duly filled and signed.
• English translation of all the required common documents that are duly attested by the Notary.
• FIR copy that is duly attested by the issuing authority or notary.
• Discharge or admission summary of the hospital where he/she is admitted after the accident.
• A certificate from the attending doctor specifying whether the individual is disabled and, if applicable, the percentage of disablement (this certificate forms part of the claim documentation for disablement).
• Original certificate issued from the employer that confirms the period of absence from the duty.
• Copies of scans, x-rays, and test reports related to the accident or treatment.

Documents Needed for Personal Accident- Death Claim

The list of required documents in case of filing a death claim is as follows:

• Claim form that is duly filled and signed.
• English translation of all the required common documents that are duly attested by the Notary.
• FIR copy that is duly attested by the issuing authority or notary.
• Copy of post-mortem that is duly attested by the notary or issuing authority.
• Original death certificate
• Report Pachanama, inquest report that is duly attested by Notary.
• Legal Heir certificate (original)
• Death or death summary if the deceased person was admitted to the hospital after an accident.