Apart from the personal accident policy, Reliance also offers
family mediclaim policy,
health insurance for senior citizens and also provides
cashless health insurance cover.
* Increase will be in capital sum insured ( in case of Death and Permanent Total Disability) for every claim free year of insurance, subject to a maximum of 50%).
Details are for the product- Personal Accident.
What do we cover
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
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.
What we don't 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