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Reliance Personal Accident 360Shield

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Reliance Personal Accident 360Shield is a type of an accidental insurance cover that provides financial compensation if you suffer bodily harm, disablement or even death from dangers like road accidents, adventure sports injuries, etc.

What sets this policy apart is the all-round coverage you get, not just for your basic covers like Accidental Death, Permanent Total Disablement and Permanent Partial Disablement but also for accidental hospitalisation, burns, coma, trauma counselling, overseas travel cover in case of accidental death, Permanent Total Disablement and more. This personal accident insurance policy offers 360-degree protection not just in India but around the world too. That's right, we also offer worldwide coverage to protect you anywhere in the world.

With Reliance Personal Accident 360Shield, you get a choice of a variety of plans with comprehensive base covers and customisable optional covers. So don’t wait anymore and get your personal accident cover today.

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Key Features of Reliance Personal Accident 360Shield

Our personal accident insurance policy has four plans ShieldPro, ShieldPlus, ShieldMax and ShieldPrime with a Sum Insured starting at Rs.5 Lakhs and going up to Rs.25 Crores. Additionally, you have several optional covers that can enhance your protection. Some of these optional covers include Accidental Hospitalisation cover, Accidental OPD cover, compensation for coma, miscarriage and more.

Given below are details of both the base covers and optional covers available under the policy.

These are the basic covers you get when you buy our personal accident cover. Your base cover is a combination of Accidental Death + Permanent Total Disablement + Permanent Partial Disablement + Repatriation of Mortal Remains and Funeral Expenses. Check the table below for more details.

Features Benefits
Sum Insured (SI) in ₹ 5 Lakhs, 10 Lakhs, 25 Lakhs, 50 Lakhs, 1 Crore, 2 Crores, 5 Crores, 10 Crores, 15 Crores, 20 Crores, 25 Crores
Plans Available ShieldPro, ShieldPlus, ShieldMax, ShieldPrime
Base Covers
1. Accidental Death (AD)Tooltip-Icon

Covers any unnatural death resulting solely from an accident. Could be a fall, crash, drowning, machinery-related incident etc.

Lumpsum as per base Sum Insured opted
  • A) DisappearanceTooltip-Icon

    Provides compensation to the beneficiary if the insured person's body remains remain undiscovered following an accident

    1x of base SI
  • B) Common CarrierTooltip-Icon

    A predetermined sum is paid if the insured person's death occurs due to an accident while commuting, boarding or dismounting from a common carrier, such as a public train, bus, a private vehicle, etc.

    2x of base SI
2. Permanent Total Disablement (PTD)Tooltip-Icon

If the Insured loses or damages an organ or any part of their body permanently due to an accident leading to total disability, e.g., loss of vision or both limbs, making them incapable of working, a lumpsum amount is paid as compensation.

Lumpsum Amount paid is based on the disability scale

3. Permanent Partial Disablement (PPD)Tooltip-Icon

Lumpsum amount is paid in case of Loss of use or function of any part of the body resulting from an accident where the Insured is able to perform tasks partially & not to their full capacity. e.g.: Loss of one ear, Loss of four fingers and thumb of one hand etc.

2x Base Sum Insured as selected

4. Repatriation of Mortal Remains and Funeral ExpensesTooltip-Icon

Transportation of mortal remains of the Insured from the place of death to a cremation or burial ground or to the residence of the Insured Person is covered

Lumpsum payment of 1% of Base Sum Insured, max up to ₹1,00,000

These are mandatory covers that are included apart from the base covers. The compulsory covers vary between each plan, i.e. ShieldPro, ShieldPlus, ShieldMax, ShieldPrime. Please refer to the policy wordings, brochure and prospectus to know more.

Feature Benefit
Family Shield
Multi-Member Death or DisabilityTooltip-Icon

A lumpsum benefit is provided in case more than one Insured Person suffers from accidental injuries in the same incident which leads to AD, PTD or PPD

Lumpsum benefit of an additional 20% of the Base Sum Insured
Parental CareTooltip-Icon

If the Insured Person suffers from AD, PTD or PPD due to an accident a Lumpsum amount is provided to the dependent parents as financial support.

Lumpsum benefit of 10% of Base Sum Insured, maximum ₹5 Lakhs for
  • Father
  • Mother
Educational GrantTooltip-Icon

A Lumpsum amount towards the Dependent Childs’ education is provided in case the Insured suffers from AD, PTD or PPD due to an accident

Lumpsum benefit of 15% of SI, maximum ₹7.5 Lakhs
Loan Protector against:Tooltip-Icon

Outstanding loan amount is covered against the loans taken by the Insured within India in case of AD, PTD, or PPD due to an accident. Loans include Home Loan, Vehicle Loan, Education Loan (self or dependent child).

  • Home Loan
  • Vehicle Loan
  • Education Loan (self or dependent child)
  • Any other collateralized loan from entities as permitted under the Policy
Base Sum Insured or Outstanding Principal Loan amount whichever is lower
EMI Protection against one or more of the following:Tooltip-Icon

In case the insured suffers from TTD or PPD (of specified severity) due to an accident, the outstanding EMIs for one or more loans is covered as specified in the policy schedule.

  • Home Loan
  • Vehicle Loan
  • Education Loan (self or dependent child)
  • Any other collateralized loan from entities as permitted under the Policy
Outstanding equated monthly instalments (EMI) amount or 2% of the Base Sum Insured per month, whichever is lower. Payable for a maximum of 3 months
Personal Shield (Bundle)
Personal effects cover for:Tooltip-Icon

Covers the loss incurred if the insured person's personal equipment is damaged or lost due to theft following an accident at the location.

  • Laptop
  • Mobile Phone
  • Tablet
  • Smart Watch
  • Camera
Up to ₹50,000; Deductible of ₹5,000 shall apply on each claim
Payment Card ProtectionTooltip-Icon

Compensation is provided for unauthorised transactions made with the insured card if it's stolen at the accident location.

Up to ₹20,000;
Only the first three fraudulent transactions are covered
Health and Well-Being Covers

Lumpsum compensation is provided to the insured in case they are hospitalised for a minimum of 7 continuous and consecutive days due to Accidental Injury.

Lumpsum benefit of
  • S.I < 25 lakhs: ₹25000
  • S.I < 1 crores: ₹35000
  • S.I >= 1 crores: ₹45000
Modification of home or vehicleTooltip-Icon

If the need arises, this covers expenses for modifying the home or vehicle of the insured due to an accident

Up to ₹5 Lakhs

Covers the expenses incurred towards restoring bodily function following a major injury due to an accident resulting in PTD, PPD, head injury (as opted) or spine injury (as opted).
E.g. physical, occupational and/or speech therapy are covered.

Up to ₹5 Lakhs
A 20% co-pay is applied for non-network claims
Trauma CounsellingTooltip-Icon

Covers expenses incurred towards counselling sessions for psychological upliftment due to trauma caused by an Accidental Death to family survivors.

₹3,000, ₹5,000, ₹10,000 per session (open to selection; maximum 6 sessions put together)
A 20% co-pay is applied for non-network claims (Worldwide)
Medical EquipmentTooltip-Icon

Covers expenses incurred towards rent or purchase of listed medical equipments like wheelchairs, crutches, artificial limbs and more in case of PTD and PPD.

Up to ₹2.5 Lakhs
A 20% co-pay is applied for non-network claims
Reconstructive SurgeryTooltip-Icon

Covers expenses incurred towards reconstructing or restoring the natural functions of the body which were affected due to PTD or PPD or Burns (if opted) or Paralysis as a result of an accident.

Up to ₹10 Lakhs
Assistance Services
Educational Counselling ServicesTooltip-Icon

Covers expenses incurred for Educational Counselling for children whose parent(s) succumbs to an Accidental Death. This service is available for children between 13 to 25 years and for a maximum of 2 children

One session each
Other Assistance Services Covers one session each for the following:
  • Financial GuidanceTooltip-Icon

    Covers the expenses for the services of a financial expert which can be opted for by the Insured Person’s family member in case the policyholder suffers an Accidental Death

  • Legal AssistanceTooltip-Icon

    In case of Accidental Death, expenses for lawyers are covered to help the Insured Person’s family members with transfer of change of documents. In case of Permanent Total Disablement, expenses for lawyers are covered to help the Insured Person’s family member get assistance on arranging for a Disability Certificate

  • Emergency Travel AssistanceTooltip-Icon

    In case of Permanent Total Disablement, Permanent Partial Disablement or Burns, all possible and practical assistance is provided to the Insured Person for arranging emergency travel

  • Second OpinionTooltip-Icon

    In case of Permanent Total Disablement, Permanent Partial Disablement, Burns or Coma, the Insured Person can opt to go for a second medical opinion if he or she so desires.

  • Chauffeur ServicesTooltip-Icon

    This provides assistance to find a personal driver in case the Insured Person needs a one to be driven around after an accident. However, the driver’s expenses have to be borne by the Insured Person.

These are valuable add-ons that can enhance your personal accident cover. Some optional covers are available in bundles while some covers have individual options that can be selected. Please refer to the policy wordings, brochure and prospectus to know more.

Feature Benefit
Temporary Total Disablement (TTD)Tooltip-Icon

A weekly allowance is provided to the insured against an illness or injury caused for a short period of time as a result of an accident, due to which the insured is incapable of performing necessary duties pertaining to employment or occupation.

Allowance of ₹500 to ₹1 Lakh for up to 104 weeks will be paid in multiples of 1000; maximum of up to 2% of Base Time excess of 3,7,14,21,28 days (Franchise option available)
Daily Hospital CashTooltip-Icon

A fixed daily allowance is paid to the policyholder to cover miscellaneous/day-to-day expenses during the period of hospitalisation caused due to an accident.

Daily amount options: ₹500, ₹1,000, ₹2,000, ₹3,000, ₹4,000, ₹5,000 per day (maximum up to 60 days)
Time Deductible:72 hours.
Accidental OPDTooltip-Icon

Medical expenses incurred during treatments due to an accident that does not require the insured to stay overnight in a hospital are covered.

₹5,000, ₹10,000, ₹15,000, ₹20,000, ₹25,000, ₹50,000, ₹75,000, ₹1 Lakh. A deductible of ₹500 on each and every claim.
A 20% co-pay is applied for non-network claims
Adventure SportsTooltip-Icon

Incase the insured suffers from an accidental injury caused due to an adventure sport like Bungee Jumping, Scuba Diving, Trekking under the supervision of a trained professional the cost for such accidental expenses is covered.

25%/50%/100% of Base Sum Insured subject to a maximum of ₹1 Crore + earned cumulative bonus.
Cumulative BonusTooltip-Icon

An increase in base sum insured is provided as a reward to the policyholder in case of a claim-free year.

5% of the Base Sum Insured for each claim-free year, subject to a maximum of 50% of the Base Sum Insured
Hospitalisation and Related cover (Option to select Within India/Worldwide)
Accidental HospitalisationTooltip-Icon

Any expenses incurred by the insured during hospitalisation due to an accident are covered. Includes inpatient care, day care procedures, diagnostic tests, ambulance charges, etc.

  • Pays ₹1 Lakh to ₹5 Lakhs (in multiples of ₹1 Lakh) & up to ₹20 Lakhs (in multiples of ₹5 Lakhs)
  • Road Ambulance: Sub-limit of ₹25,000.
  • Pre & Post Hospitalisation covered up to 30 and 90 days respectively
Cumulative Bonus for Accidental Hospitalisation*Tooltip-Icon

An additional Accidental Hospitalisation Limit is provided to the Insured as an incentive for every claim-free year.

10% of the Accidental Hospitalisation Limit for each claim-free year, subject to a maximum of 100% of the Accidental Hospitalisation Limit.
Unlimited Reinstatement of Accidental Hospitalisation Limit*Tooltip-Icon

Accidental hospitalisation limit is restored unlimited times in the same policy year in case it is exhausted due to a claim.

Up to 100% of Accidental Hospitalisation Limit, unlimited times.
Companion CoverTooltip-Icon

A fixed amount is indemnified to the insured's companion towards expenses incurred like transportation, hotel stay etc. in case the insured is hospitalised due to an accident.

Options: ₹15,000, ₹25,000, ₹50,000, ₹1,00,000
Post-hospitalisation PhysiotherapyTooltip-Icon

Compensation is provided if the insured individual undergoes physiotherapy within 60 days of discharge following an accident-related hospitalisation.

₹500, ₹1,000, ₹1,500, ₹2,000, ₹3,000, ₹5,000 per visit (max 15 sessions of up to 1.5 hours each) Within Accidental Hospitalisation Limit - A 20% co-pay is applied for non-network claims.
Blood Transfusion expensesTooltip-Icon

Costs incurred towards the procedure of testing, compatibility check and transfusion of blood in case of an accident is covered.

Up to ₹1 Lakh; within Accidental Hospitalisation Limit.
Transportation of Imported MedicinesTooltip-Icon

The cost of importing medicines for the insured person's medical/surgical treatment due to an accident is covered.

Up to ₹20,000; within Accidental Hospitalisation Limit.
Domiciliary CareTooltip-Icon

If the insured receives medical care at home due to an accident as prescribed by a medical practitioner the costs incurred for arrangements pertaining to the same are covered

Up to ₹2 Lakhs; Sub-limit of maximum 15 days for ICU at Home; Sub-limit of ₹50,000 for Doctor's Home Visits + Nursing Care at Home Within Accidental Hospitalisation Limit.
To be availed within 6 months of Accident. Network Only
Enhanced Covers

Lumpsum amount is paid according to defined limits in case the insured sustains second or third degree burns arising due to an accident.

Up to ₹50 Lakhs in multiples of 50 thousand; Payable as per the grid.
Broken Bones/FractureTooltip-Icon

A fixed amount is paid to the insured in case of Injuries resulting from broken bones or fractures due to an accident.

Options up to ₹10 Lakhs in multiples of 50 thousand; Payable as per the percentage of broken bone grid.

Compensation is given to the insured if he/she slips into a state of coma during hospitalisation due to an accident.

Compensation for every completed week (7 days) till the time the Insured is in a coma state due to an accident, (payable up to a maximum of 104 weeks)
1% of Sum Insured, maximum ₹10,000 per week
Head or Spine InjuryTooltip-Icon

A lumpsum benefit is provided to the insured in case the insured suffers from a head or spinal injury resulting from an accident & requires neurosurgery.

Lumpsum benefit of up to 2% of the Sum Insured, maximum up to ₹1 Lakh

A fixed amount is paid to the insured in case of a miscarriage resulting from an accident.

Lumpsum benefit ₹1 Lakh
Emergency Evacuation (Air Ambulance)Tooltip-Icon

Covers the cost of evacuation if the insured is in a critical condition and needs to be shifted from the place of accident to the nearest hospital or from one hospital to another.

  • If Sum Insured is < ₹25 Lakhs then cover is ₹1 Lakh
  • If Sum Insured is < ₹1 Crore then cover is ₹5 Lakhs
  • If Sum Insured is >= ₹1 Crore then the cover will be at actuals
Travel Covers (Bundle)
Enhanced Overseas Travel CoverTooltip-Icon

In the event of an Accidental Death or Permanent Total Disablement of the Insured Person while traveling outside India, an additional sum insured is granted to the Policyholder or beneficiary as specified in the policy.

Additional 50% of the Base Sum Insured
Compassionate visitTooltip-Icon

If the insured is hospitalised due to an accident, round trip tickets for the companion or family member from India to the place of the Accident up to an amount specified in the Policy Schedule is indemnified in case of AD, PTD or PPD provided that no adult travelling companion is present at the place of accident.

Up to ₹1 Lakh
Trip CancellationTooltip-Icon

Covers travel and accommodation expenses incurred by both the Insured Person or traveling companion in case the insured faces Accidental death, permanent total disability, permanent partial disability or hospitalisation due to an accidental injury.

Up to ₹25,000
Event CancellationTooltip-Icon

Covers expenses for both the insured and their companion for cancelling pre-booked events due to accidental hospitalisation, accidental death, PPD, or PTD.

Up to ₹25,000
Extended Hotel StayTooltip-Icon

Covers the costs incurred towards the hotel or booking alternative accommodation for the insured or travelling companion if the insured or travelling companion suffers from AD, PTD, PPD or accidental hospitalisation and is unable to travel back to the city of residence in India.

Up to ₹25,000

Note: For a full understanding of plans, optional and bundle covers, please read the policy wordings, brochure and prospectus.


Details Criteria
Age Entry Age: Adult - 18 years to 80 years. No Exit Age
Dependent children: 30 days to 25 years of age
Policy Type Individual/Family (Non-Floater basis)
Policy Period Option 1 year/2 years/3 years only

Benefits of Buying
Personal Accident Insurance from Reliance

Having personal accident insurance is a boon in times of unexpected mishaps like accidents and injuries. Not only that, buying Reliance Personal Accident 360Shield has its own set of benefits that will protect you and your loved ones. Given below is a list of reasons to get a personal accident cover from Reliance:

Financial Protection

Financial Protection

In case of an untoward incident that results in accidental death, or permanent or partial disablement, the personal accident insurance gives a lump sum amount to you or your legal heir. This ensures that you and your family are financially covered even if there's a loss of income or the loss of the life of the sole-earning family member. Compensation is provided even if multiple family members suffer disablement or death. Additionally, dependent parents will be taken care of financially in case you're unable to look after them because of disablement or death.

Income Replacement

Income Replacement

An accidental death or a disablement can result in loss of income because the sole-earning member of the family is either disabled by an accident or loses his or her life. In such cases, your ability to manage regular expenses and repay loans, etc. will be affected. But with a personal accident cover like Reliance Personal Accident 360Shield, you have the option to cover expenses like home loans, vehicle loans, education loans, etc.

International Coverage

International Coverage

Imagine being in some other part of the world for a family vacation or a work-related trip and you meet with an accident that results in a severe disablement like the loss of your hands or eyes. In that scenario, will you get any financial protection at all from anyone? Yes, with Reliance Personal Accident 360Shield, you get covered globally for such incidents with worldwide coverages. Also, there are optional travel covers you can opt for in our personal accident insurance plan that will boost your protection.

Complementary Coverage

Complementary Coverage

It’s good to have two insurance policies working in tandem to protect you, namely, personal accident insurance and health insurance. With both these plans, you can rest assured that almost all the potential risks like accidental death, disablement, medical emergencies, etc. are covered. And with all the additional benefits that Reliance Personal Accident 360Shield affords, you have a vast protective cover around you at all times.

What Does
Reliance Personal Accident 360Shield Not Cover?

Given below is a list of all that’s not covered in our personal accident insurance policy:

  • Any pre-existing injury or physical condition
  • Any claim for death or disablement due to war-like occurrences, invasion, civil war, rebellion, etc.
  • Any claim arising out of self-harm, suicide or attempts of suicide
  • A breach of law with criminal intent
  • Any claim arising out of hernia, viral or bacterial infections (except for pyogenic infection resulting from an accidental cut or wound)
  • Persons serving in any branch of military, navy, air force and paramilitary forces except during peacetime
  • Air travel in unauthorised airplanes, airports, air routes, etc.
  • Persons involved in mining, tunnelling, oil rigs, ship crew services, etc.
  • Claims arising out of participation in hazardous adventure sports like rock climbing, rafting, horse racing, scuba diving, etc. (unless the Adventure Sports cover is opted for)
  • Claims arising out of radiation due to nuclear fuel, nuclear weapons material, etc.
  • Any persons suffering loss due to wilfully participating in illegal acts
  • Any persons travelling to countries against the recommendation of the relevant Indian authority of that of the country of travel

Note: For a full list of exclusions please read the policy wordings, brochure and prospectus.

How to Buy
Personal Accident Insurance Online?

Buying a Reliance Personal Accident 360Shield policy online can be easily done by following these simple steps:

Step 1

Once you’re on the website, head to the Reliance Personal Accident 360Shield page. Enter your details like name, mobile number and pincode.

Step 2

Select your Sum Insured, plan, base covers and optional covers

Step 3

Review your policy and proceed to pay using your preferred payment method. Once you’ve paid, you’ll get your personal accident insurance policy copy sent to you immediately.

Claim Process for
Reliance Personal Accident 360Shield

Step 1: Register Claim

Inform Reliance General Insurance about the incident, logging on to the Reliance Self-i App or visiting our website or calling us on (022) 48903009 (Paid Number)

Step 2: Claim Process

Intimate the claim within 30 days from the date of loss and submit all the relevant documents related to your claim within 15 days. The claims team will start processing it immediately

Step 3: Claim Approval

Once your documents are verified and approved, the claims team will reimburse your claim

For more details on the claim process, please read the policy wordings.

Personal Accident 360Shield

  • Personal accident insurance is a type of insurance that provides compensation to you or your legal heir in case you fall prey to disablement or even death due to an accident. Accidents could be in the form of road accidents, airplane disasters, sailing on the sea, etc.

  • With Reliance Personal Accident 360Shield you can customise your policy to protect various risks in your life. For example, you can customise the policy to cover hospitalisation or OPD visits due to an accident, cover your overseas travel, get your loans and EMIs paid off for a limited time, take care of your parents if you lose your income due to an accident and more.

  • Personal accident insurance financially covers you or your family in case the insured is disabled or dies due to an accident. The insured could be you or your dependants. The kind of disability from an accident could either be partial or total. For example, disablement could be loss of both eyes or one eye, loss of all limbs or any one limb, loss of hearing in one or both ears, etc.

  • Personal Accident insurance covers you for accident-related perils that lead to hospitalisation. Health insurance covers you for a variety of other medical emergencies including accident-related ones.

1. The total liability of the Company to make payment toward claims arising from one or more of the insured events described in Accidental Death (AD), Permanent Total Disablement (PTD) and Permanent Partial Disablement (PPD) is limited to the Base Sum Insured + Cumulative Bonus, except as agreed under Permanent Total Disablement (PTD) where an additional 100% of the Sum Insured shall be paid under the claim. 2. In case claims for any one Accident fall under more than one of the following: Accidental Death (AD), Permanent Total Disablement (PTD), Permanent Partial Disablement (PPD) and Temporary Total Disablement (TTD); the higher of the claims shall be payable. 3. Accidental Hospitalisation, Cumulative Bonus for Accidental Hospitalisation and Unlimited Reinstatement of Accidental Hospitalisation Limit shall be opted together. These covers shall not be available separately. 4. Broken Bones/Fracture shall not be available for entry age >=65 years. 5. The insurance coverage for the Insured Person shall cease once the Company accepts a claim under Section Accidental Death (AD) or Permanent Total Disablement (PTD) cover. *T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording carefully before concluding a sale. Details mentioned above are for Reliance Personal Accident 360Shield, UIN: IRDAN103RP0004V02202425.

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