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Personal Accident Insurance

Benefits

Personal Accident Insurance
​​​​​​​​​​​​An accident can occur out of nowhere and are as unpredictable and unforeseen as possible. An accident takes less than a minute to turn your life upside down. Thankfully, there is Reliance Personal Accident Insurance policy to ensure your financial security in India! 

You can buy your policy online through our various payment options like Paytm, Net Banking, Debit/Credit card etc available for your convenience​

accidental death insurance ​​Complete coverage including accidental death and permanent disability​ Carriage of mortal remains offered as additional coverage.​​
 Extension can be availed for medical expenses   Worldwide coverage

  Hassle free documentation​​​
   

​​5% increase in CSI*

Apart from the personal accident policy, Reliance also offers family mediclaim policy, health insurance for senior citizens and also provides cashless health insurance cover​.​

*5% increase in Capital Sum Insured: The Personal Accident Insurance Policy provides for 5% increase in CSI ( in case of Death and Permanent Total Disability) for every claim free year of insurance, subject to a maximum of 50%).

Accidental Death

100 per cent of the sum insured on accidental death of the insured person

Permanent Total Disability

100 per cent payment of sum insured on permanent total disablement

100 per cent payment of sum insured in the event of loss of two limbs/ two eyes or one limb and one eye

50 per cent payment of sum insured in the event of loss of one limb or one eye

Permanent Partial Disability

Specified percentage of the sum insured will be paid in case of permanent partial disability

​​Additional Coverage/Features

This personal accidental insurance​ policy also has some value added benefits -
 Carriage of Mortal Remains​

A lump sum of two per cent of capital insured will be paid for transportation in the event of accidental death outside the residence (subject to maximum of Rs. 2,500).

Medical Expenses Extension

Accident Insurance Policy can be extended to cover medical expenses on the payment of extra premium.

Get benefit up to 40 per cent of the compensation paid in settlement of a valid claim under the policy or 20 per cent of the relevant sum insured or actuals,​ ​whichever is less.​

Off duty and On–duty cover
 The employer, for a reduced premium, can choose an only on-duty or alternatively, only off-duty cover. 

​The accident policy does not cover the following:

  • Compensation under more than one clause for same period of disability
  • Any claim in the same period of insurance exceeding the capital sum insured
  • Payment of compensation due to death or disablement arising out of
    • -Suicide, attempted suicide etc.
    • -Pregnancy and/or childbirth
    • -War and nuclear perils
    • -​Ionizing radiation or radioactivity
  • HIV / AIDS / or death due to any disease
  • Natural death