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Health Insurance 492 views June 2, 2021
Raheja QBE Individual Personal Accident Insurance Policy provides you financial protection against accidental injuries. Under this policy, you’ll get coverage against the following eventualities due to accident –
Read this page below and know about the Raheja QBE Individual Personal Accident Insurance Policy coverage in detail.
Table of Contents
You’ll get coverage for the following under this policy:
Accidental Death: The insurer will pay an amount equal to the sum insured if you die during the policy term due to an accident.
Permanent Total Disablement: You’ll receive an amount equal to the sum insured if an accidental injury results in total and irrecoverable loss of –
Permanent Partial Disablement: In case you suffer from Permanent Partial Disablement due to an accidental injury, a percentage of the sum insured as specified in the policy document shall be payable to you
Temporary Total Disablement: If accidental injury results in Temporary Total Disablement, the insurer will pay 1% of the sum insured or INR 5,000, whichever is less per week, for up to 104 weeks.
In addition to the above-mentioned benefits, you’ll also get compensation in respect of the following:
If you haven’t filed any claims under this policy, the insurer will increase the amount payable towards ambulance charges, mortal remains and funeral expenses, educational assistance, permanent total disablement and reimbursement of reasonable medical expenses by 5%. However, the cumulative bonus over all periods of insurance shall not exceed 25% of the sum insured.
Note: The accumulated cumulative bonus shall not be lost if the policy is renewed within the grace period of 30 days.
You can extend the policy coverage by adding the following optional covers:
A free look period of fifteen days applies from the date of receipt of the policy to review its terms and conditions. If you have any objection to the policy terms and conditions, you can return the same stating the reason for it. You’ll be entitled to a refund of the paid premium less medical examination expenses and stamp duty charges, provided you haven’t claimed under this policy. Whereas if the risk has already commenced and the option of return of the policy is exercised by you, a deduction towards the proportionate risk premium for the period on the cover will be made. If only a part of the insurance coverage has commenced, such proportionate premium commensurates with the insurance coverage during the free look period.