Raheja QBE Personal Accident Policy provides Financial Stability to you and your Family in the case of unexpected accidents which causes bodily injury or death of an insured person. Raheja QBE Individual Personal Accident Insurance does not Stop with Death Benefits it also covers the Other Significance Problems such as Physical Injuries like permanent partial disability, permanent total disability, Temporary Total Disability & Body Burns. Buy a Personal Accident Policy of Raheja QBE and secure your family’s future & enable their basic day-to-day needs even in your absence.
Raheja QBE Personal Accident Policy Review
We can’t expect what will happen to us in Future. The Accidents may happen to anyone any time which are inevitable and unforeseen. The Accident takes Fraction of Seconds to change our future, but it takes away our Savings of Many years and our Loved ones. Sometimes mishap can be Severe. In Such instance, we may not have enough Savings for our Treatment. To Provide Financial Protection for you in Critical Situations Raheja QBE General Insurance Company has introduced Personal Accident Insurance Plan. Buy the Raheja QBE PA Policy to get Financial Assistance in dangerous Situations and to get your Life Back on Track.
The Future of you and your loved ones may disrupt during Unexpected Situations. In this Type of Position, Financial Stability is essential for the Policyholder to get back to your Regular Life. Raheja QBE Personal Accident Insurance Policy provides the Necessary Financial Assistance which helps you to Recover Fastly from Financial Crisis. The sum assured offered by the personal accident policy becomes a major support that saves you from the financial crisis. The amount not only helps you to recover but also helps you to manage your day to day life as well. Raheja QBE’s Personal Accident Policy ensures your protection across the boundaries.
Raheja QBE General Personal Accident Insurance Policy Features & Benefits
- Provides Protection to the Individuals and Dependent Children.
- Based on the type of Injury, the Company provides the Benefits to the Policyholder.
- Also, Includes Personal Accidents, Cover for Burns, Broken Bones.
- You can Buy or Renew your Accident Insurance Policy anytime anywhere through Online.
- The Compensation Benefit is provided to the Insured based on the type of Injury.
- The Ambulance Charges to move the Insured person from accident place to hospital is covered.
- On Payment of additional premium, the Policyholder is covered with extra benefits.
- The Three Options provided by the Raheja QBE General Insurance Co Ltd are
- Accidental Death.
- Accidental Death with Permanent Total Disablement & Permanent Partial Disablement.
- Accidental Death with Permanent Total Disablement, Permanent Partial Disablement & Temporary Total Disablement.
Coverages of Raheja QBE Personal Accident Policy
- Accidental Death: The Nominee receives the entire Sum Assured as Death Benefit if Bodily Injury or visible or violent damage results in Unfortunate Death within 12 months of the occurrence of the accident.
- Permanent Total Disability: The Insured receives the Total Sum Assured on the unfortunate incident which results in the permanent total disability and no hope of improvement in future. The Policyholder unable to attend to his work due to this PTD.
- Ambulance Costs: Ambulance Expenses incurred on the Insured Person to shift from the accident place to the hospital due to Personal Accident are Reimbursed to the Policyholder as per the Policy.
- Loss of Employment: The Policyholder receives the 2% individual sum insured in the event of the accident leading to loss of employment as a result of Permanent Total Disability.
- Education Fund: The Raheja QBE General Insurance Company Ltd provides an education assistance of Rs 5000/- each for the two dependent children in the event of death or permanent total disablement of the Insured.
- The cost of clothing damaged during the Accident and liability for disablement is admitted by the Company.
- The Cost of Transportation for carriage of the dead body to home including funeral charges are covered by the Raheja QBE Company.
- Permanent Partial Disablement: The Insured receives the compensation depending on the nature of the injury and Capital Sum Insured for that in the ‘Table of Benefit’ of the Policy document or as per the medical advice of our Medical Practitioner.
- Temporary Total Disablement: Raheja QBE General Company provides compensation of Rs 5000/- or 1% of Capital Sum Insured whichever is less per week for a maximum period of 104 weeks.
Raheja QBE Personal Accident Policy Exclusions
Accident Insurance Policy of Raheja QBE does not cover any loss caused due to
- Death due to pregnancy or childbirth.
- War and a nuclear group of perils.
- Breach of law with criminal intent.
- Injury/death while participating in adventurous.
- Influence of intoxicating liquor or drugs.
- Adventure Sports.
- Self-injury, suicide, venereal disease or insanity.
- On duty with armed forces.
Addon Covers Offered by Raheja QBE General Personal Accident Plan
Hospital Confinement Allowance: The Policyholder or any of the Insured receives a daily allowance of Rs 500/- per day for a maximum period of 30 days if hospitalized as a result of an accident resulting in the death or disablement, bodily injury.
Medical Expenses Extension: The Raheja QBE Personal Accident Policy covers the medical expenses reasonably and necessarily incurred by you as a result of an accident resulting in the bodily injury, death or disablement.
Raheja QBE Personal Accident Policy Buying Process
Raheja QBE Individual Personal Accident Plan can be bought through online at the official website www.rahejaqbe.com by entering Insured Member Details, Personal Details. You can also Buy the Raheja QBE Personal Accident Insurance Policy by visiting the Nearest Raheja QBE Branch Office or, from the Raheja QBE General Insurance Company Agent. But Online buying Process is flexible & easy compared to offline Buying Process. You need to follow the below Steps to buy the Raheja QBE Accident Insurance Policy Online
Steps to buy Raheja QBE Personal Accident Insurance Policy
- Visit the Official website www.rahejaqbe.com
- Click on “Personal Accident Insurance” link available on the top of Homepage.
- Check the Raheja QBE Policy Details and Click on Buy Now.
- Calculate the Premium Amount by entering your Personal Details and Contact Details.
- Also, Enter the Necessary information like Sum Insured.
- After Entering all the related Details Click on Calculate Premium.
- The Premium Amount you need to Pay for buying Personal Accident Insurance Policy will display on the Screen.
- Check Premium and Proceed to Pay.
- Pay Premium through Online using Debit Card/ Credit Card/ Net Banking.
- On Successful Completion of Payment Policy will be issued Instantly.
Claim Process of Raheja QBE Accident Insurance Policy
- In case of any Claim, the Insured should follow the below steps to Lodge a Claim
- First Call to the Raheja QBE Toll-free Number 1-800-102- 7723, in case of any event leading to a claim under the policy.
- The Company Claims Service Representative will guide the Policyholder on the claim procedures and documents required to Lodge a Claim.
- Complete the Claim Form with all the necessary Details relevant to the nature of loss.
- Attach the required documents based on the claim type along with your duly filled Claim form and Submit it to the Policy Issuing Office Directly or through the Agent.
The Documents required in Raheja QBE Personal Accident Claim Process are
- Claim Form.
- Police FIR.
- Death Certificate.
- Post-mortem Report or Coroner’s Report.
- Succession certificate or notarized affidavit certifying legal heir status – For payment to the beneficiary.
- Where payment to the beneficiary is through a notarized affidavit, a letter of indemnity is required.
- Personal Accident Insurance Claim form.
- Police FIR, if the accident is reported to Police.
- Disability certificate from reputed surgeon or Municipal Hospital – For Permanent Disability Claims.
- Medical papers, Pathology reports, X-ray reports, as applicable.
- Attending Physician’s statement.
- Sick leave certificate from Employer – For Temporary Total Disability Claims.
Raheja QBE Personal Accident Policy Renewal Process
You can Renew the Raheja QBE Personal Accident Insurance Policy through online at the official website by following the below simple steps. You can also renew your Accident Insurance policy by visiting the Raheja QBE Branch Office. But Online Renewal Process is the easy, simple and Flexible process.
- Visit the official website www.rahejaqbe.com
- Click on Personal Accident Policy -> Instant Renewal.
- Enter the Policy Number and Click on Go.
- Then the page will redirect to Online Renewal Page.
- In that page, you can see the Premium Amount you need to Pay to renew your Policy.
- Check the Premium and Pay through online Using Credit Card/Net Banking/Debit Card.
Raheja QBE Personal Accident Policy Premium Calculator
Premium Amount is the Minimum Amount that you need to Pay to buy/Renew your Personal Accident Insurance Policy. The Insured can calculate the Minimum Premium that you need to pay to take the Policy By Using the Raheja QBE Personal Accident Insurance Premium Calculator. The Amount of Premium Paid will Depend on the Plan and covers you have opted for. The Policyholder need to enter the below Information to buy Raheja QBE Personal Accident Policy.
- Personal Details.
- Plan Details.
- Contact Details.
- Nominee Details.
FAQs on Raheja QBE Personal Accident Policy?
Q1. What are the options covered under the Raheja QBE Accident Personal Plan?
Ans: The Policyholder is provided with the Sum Assured in the case of sudden accidents. The Insured is covered for
- Accidental Death.
- Accidental Death, Permanent Total Disablement, Permanent Partial Disablement & Temporary Total Disablement.
- Accidental Death, Permanent Total Disablement & Permanent Partial Disablement.
Q2. Can the dependent Children be included in this Policy?
Ans: Yes, the Insured can include the Dependent Children in the Raheja QBE Personal Accident Policy.