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Unlock features, exclusively available
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Comprehensive Policy for accidental coverages
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Customizable add-ons for personalized product fit
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Worldwide cover for the policy
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Comprehensive Policy for accidental coverages
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Customizable add-ons for personalized product fit
-
Worldwide cover for the policy
Accident Suraksha
Accidents can happen when you least expect it, and a serious injury or accidental death could have devastating financial consequences for you and your family.Read More
The value of human life and sufferings cannot be measured with money, but with a view to provide some relief to you or members of your family in the event of an unfortunate accident, Personal accident insurance can help protect your financial security until you get back on your feet and return to work.Read Less
FEATURES
Purchase an Accident Suraksha policy without undergoing any health check-ups
The minimum sum insured that can be offered is ₹ 50000
Worldwide cover for the policy
PLAN OPTIONS/VARIANTS
- Accidental Death
- Permanent Total Disability
- Permanent Partial Disability
- Temporary Total Disability
- Inbuilt cover for Repatriation Benefit and Funeral Expenses
- Child Education Support
- Accidental Hospitalisation
- Broken Bones
- Loan Protector
- Adaptation Allowance
- Life Support Benefit
- Air Ambulance Cover
- Adventure Sports Benefit
- Family Transportation Allowance
- Road Ambulance Cover
- Chauffeur Plan Benefit
- Hospital Cash Allowance
- Accidental Medical expenses
Base Plan
Add-ons
Downloads
Eligibility
Eligibility
- Adults: 18 years to 70 years with renewability up to 70 years.
- Children: 3 years to 25 years can be covered as dependents.
Documentation
For transaction on net banking – no documentation
For transaction on Mobile App– no documentation
For paper based transactions
- Health Insurance Proposal form
- KYC Documents :ID Proof & address proof(PAN & Aadhar)
Exclusions
- Permanent exclusions
- Prior to the Inception of the Policy: Any existing disablement prior to the inception of the policy.
- Suicide: Suicide ,attempted suicide is not covered.
- Military or Armed Forces: Serving in military, armed forces.
- Influence of Intoxicants: Under the influence of drugs, alcohol & other intoxicants
- Event of Riots or War: Participation in felony, riots, war etc.
- Exposure to Radioactive Materials: Exposure to nuclear, radioactive materials.
- Loses Due to Pregnancy: Loss due to child birth or pregnancy
Claims
Generali Central, we will do everything to make your claim as simple and convenient as possible. And here are few reasons why:
- We have an in-house claim settlement process team that processes your claims within 30 working days from the time we receive your claim intimation form along with the required documentation. Find out more about how to make a claim or check out our claim process.
- In-house team of professionals who can give specialised advice
Disclaimer
For complete details of Policy coverage, terms, conditions and exclusions, please refer the policy wordings. Click here to view Policy Wordings. Accident Suraksha, GCIPAIP18040V021718.
FREQUENTLY ASKED QUESTIONS
I already have Life Insurance, why do I need a separate Personal Accident cover?
You have taken a considered decision of taking a Life Insurance policy which is indeed wonderful however protection offered by Personal Accident policy is far wider in terms of coverage e.g. In personal accident policy you may opt for Weekly compensation for Accidental Temporary Disability and Accidental hospitalisation covers.
What is the ideal Sum for which I should insure under Personal Accident?
This depends on your risk perception and cover under Personal Accident policy is made available based on your current income. Accidental death cover is given up to 144 x (times) your Monthly Income (as per Risk class under which you are assessed). For eg - A salaried person is eligible for a sum insured upto a maximum of 144 times of his monthly Income (as appearing in Form 16 / Salary Slip / IT Acknowledgment) and a Self Employed Person is eligible for a sum insured up to a maximum of 144 times of his monthly income (as appearing in IT Acknowledgment /Audited P & L). A person working in underground mines is eligible for a sum insured up to a maximum of 144 times of his monthly income(as appearing in Form 16 / Salary Slip / IT Acknowledgment).
Can I select amongst the different coverage options available or do I get fixed combination of covers?
At Generali Central, we offer flexibility to our valued customers to select the optimum coverage as per the risk class and income.
I am a Dentist and my husband is a Builder, do we pay the same premium for Personal Accident cover?
Both you and your husband can take Personal Accident policy as per your current income and choice of covers; however rate of premium will be different for you and your husband as it depends on Risk classification. You (Dentist) and similar other professional like teachers, bankers, architects, lawyers, accountants etc are classified under risk Class 1 and pay lower premium than risk Class 2 professional like Sales executives, Builders, Contractors and people engaged in similar professions.
Is it necessary to inform the insurance company if there is a change in my job profile / occupation after taking the policy?
Yes this must be informed to the insurance company in writing within 30 days of the change by filling a fresh Proposal form. If not disclosed within the said period , then the insurance will cease as far as the Insured Person is concerned from the date of change of Occupation.
