Royal Sundaram Personal Accident Policy offers Financial Security to you and your Family in case of death or bodily injury of an insured person due to Unexpected Accidents. Royal Sundaram Individual Personal Accident Policy Does not Stop with Death Benefits it also covers the Other Consequences such as permanent total disability, permanent partial disability & Temporary Total Disability. Buy a Personal Accident Policy of Royal Sundaram and get Protection in Critical Situations of your Life.
Royal Sundaram Individual Personal Accident Policy Review
We don’t know what will happen to us in Future. Accidents can happen to anyone at anytime. It Only takes Fraction of Seconds to Change our Future, but it takes away the Savings of Many years. Sometimes Accidents can be Severe. In Such cases, we may not have enough Savings for our Treatment. To Provide Financial Protection in Critical Situations Royal Sundaram General Insurance Company has introduced Individual Personal Accident Plan. Buy a Royal Sundaram Personal Accident Insurance Policy to get Financial Assistance and to get your Life Back on Track.
During Unexpected Situations your future plans and your loved ones Future may disrupt. In this Type of Situations, Financial Stability is essential to get back to our Regular Life. Royal Sundaram Personal Accident Policy, provides the Necessary Financial Assistance and will help you to Recover Fastly from Financial Crisis. The sum assured offered by the accident insurance policy becomes a major support and can save 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.
Who can take Royal Sundaram Personal Accident Policy?
- Any Indian Resident Aged between 18-65 years can take this Policy.
- You can also ensure your dependent children Aged between 5 years to 21 years.
- You can get a Discount of 10% on Total Premium on buying the Policy through Online for 3 or more Family Members.
Key Features & Benefits of Royal Sundaram Individual Personal Accident Insurance Policy
- No Medical Test is required to take this Policy.
- You will get Policy Instantly without any delays.
- It Offers 24X7 Services & Worldwide Coverage.
- You have the Facility to Chat Online for any Information regarding your Policy.
- Provides Easy, ISO certified Claim Process.
- You can avail upto Rs. 10 Lakhs Cover without any income proof.
- A Single Policy covers the Entire Family.
- It Offers Instant Coverage within 5 minutes.
- The Customers can avail the Personal Accident Cover for 1 year.
- You can Renew your Accident Insurance Policy at any Time anywhere with InstaRenew.
Royal Sundaram Personal Accident Policy Coverages
Royal Sundaram Personal Accident Insurance Policy Protects the Insured against below cases
- Accidental Death: The Entire Sum Assured is Payable as Death Benefit to the Insured Person’s Nominee in the event of Unfortunate Death.
- Permanent Total Disability: the entire Sum Insured will be paid to the Insured person in the Unfortunate event of the Permanent total disability of the Insured person.
- Permanent Partial Disablement: A certain percentage of the Sum Insured is payable to the Insured person in the unfortunate event of the Permanent partial disability of the Insured person.
- Temporary Total Disablement: It Provides a Weekly Income Benefit for accidents resulting in Temporary Disablement (home confinement) up to 104 weeks.
- Accident Hospitalisation: It covers the Hospitalisation Expenses arisen due to Accident resulting in the claim for Death/ Disablement. (Applicable only if proposer has opted for Sum Insured of Rs. 20 lakhs and above).
- Education Grant: You will get Special Free Benefit of Rs. 10000/-(@ Rs. 5000 per child) as Education Grant.
- Transportation of Mortal Remains: In the event of Unfortunate Accidental Death, The Company will pay a sum of up to Rs. 5000 towards transportation of the mortal remains to the Nominee.
Royal Sundaram Individual Personal Accident Policy Exclusions
Accident Insurance Policy of Royal Sundaram does not cover the any loss caused due to
- Any Accident resulting from attempted suicide (whether sane or insane) or mental /nervous disorder, intentionally self-inflicted injury.
- Accidents caused under the influence or abuse of alcohol, drugs, or other intoxicants.
- Any Accident / loss arising out of war, invasion, civil war, insurrection, the act of foreign enemy, rebellion, mutiny, hostilities (whether War is declared or not), use of military power or usurpation of government or military power.
- Participation in an actual or attempted riot, felony, crime, civil commotion, or misdemeanour.
- Accidents occurred during Air Travel except as a fare paying passenger on a recognised airline or charter aircraft.
- Any injury arising from nuclear ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel.
- Accidents due to Participation in skydiving/parachuting, winter sports, hand gliding, scuba diving, bungee jumping, ballooning, mountain climbing, all forms of skiing, hunting or equestrian activities, Under Water Activity, etc.
- Any loss caused due to childbirth or from pregnancy, Committing breach of law with criminal intent.
- Loss caused due to wholly or partly by infections or any other kind of Disease.
Addons offered by Royal Sundaram Accident Insurance Policy
- You can avail Discount up to 10% on insuring 3 or more family members.
- The benefit under Death and Permanent Total Disablement coverage will be increased by 5%, up to a maximum of 25% if the Policy is renewed without any breaks in a Claim-free year.
- This Policy can be Opted for Dependent Children and Spouse also.
Buying Process of Royal Sundaram Personal Accident Policy
Royal Sundaram Personal Accident Policy can be bought through online at the official website www.royalsundaram.in by entering Member Details, Personal Details. You can also Buy the Royal Sundaram Individual Personal Accident Insurance Policy from the Nearest Royal Sundaram Branch Office or, from the Agent of Royal Sundaram Insurance Company. But Online buying Process is easy & Flexible compared to offline Buying Process. You need to follow the below Steps to buy the Royal Sundaram Accident Insurance Policy Online
- Visit the Official website www.royalsundaram.in
- Click on “Personal Accident Insurance” link available on top of the Homepage.
- Then you will be redirected to Online buying Page.
- In that Page Enter your Personal details (name, age, etc) and click on Proceed to continue.
- This Process will create a User Name and Password and the Same will be sent to your Mail.
- Now Enter the personal Details of persons you wish to insure and plan you wish to avail, etc.
- You need to enter the Nominee Details Also in this Step.
- After entering the Personal Details and Nominee Details click on Calculate Premium to continue.
- Now the Premium Amount you need to pay for your Plan displays on the Screen.
- Click on Continue, then you will redirect to Contact Details page.
- Furnish you Address, phone and mobile number in this page.
- Now you will redirect to Summary Page.
- Check the Policy Details and click on Proceed to buy the Policy.
- You will get Policy Instantly after paying the Premium.
Royal Sundaram Individual Personal Accident Policy Claim Process
The Policyholder / Nominee can apply for the Claim in the case of Death or Disability Occurred due to the Sudden Accident of the Policyholder within the Policy Term. You can apply your Claim through online at the official website or through alternate channels such as at Branch Office, through Helpline Number, Mail Id. On receiving the Claim request The Company will send you the Claim Form within 2 working Days. You can also Download the Claim Form directly from the Official website. The Documents required in Royal Sundaram Personal Accident Claim Process are
Documents for Disability Claim
Permanent Total or Partial Disablement
You need to Submit the Duly Filled Claim Form with the below Documents
- Accident Report.
- FIR/MLC Copy.
- Disability Certificate issued by attending physician.
- News Paper cuttings if any and any other relevant records.
- English Translation of vernacular documents.
- Latest IT return to show Proof of annual income.
- Hospital Records.
- Any other document as may be required by the Company.
Temporary Total Disablement
You need submit all above Certificates along with the
- Leave Certificate issued by employer
- Salary Certificate.
Documents for Death Claim
You need to Submit the Duly Filled Claim Form with the below Documents
- Original Death Certificate.
- Post Mortem Report.
- Accident report.
- FIR/MLC copy.
- Hospital records.
- Inquest report.
- News Paper cuttings if any and any other relevant records.
- English Translation of vernacular documents.
- Chemical Analysis Report if available.
- Succession Order/legal documents/ legal heir certificate to establish the identification of legal heir in the absence of nomination under the policy.
- Latest IT return to show Proof of annual income.
- Any other document as may be required by the Company.
Accident Hospitalisation Claim
- Original Hospital Bills.
- Discharge summary.
- Advance and final receipts (All receipts shall be numbered,signed and stamped).
- Prescriptions for medicines.
- Cash memos/bills for medicines purchased from outside.
- Diagnostic Test Reports, X-Ray, Scan, ECG and other films (including doctor’s advice demanding such tests).
Royal Sundaram Personal Accident Policy Online Renewal
You can Renew the Royal Sundaram Personal Accident Insurance through online at the official website by following the below simple steps. You can also renew your Accident Insurance policy by visiting the Royal Sundaram Branch Office. But Online Renewal Process is the Flexible and easy process.
- Visit the official website www.royalsundaram.in
- On Top of the Home Page, you can find Inta Renew Option on the right side of the page.
- Enter your Policy Number, Expiry Date and click on Renew Now.
- Then you 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 Net Banking/Credit Card/Debit Card.
Royal Sundaram Personal Accident Policy Premium Calculator
Premium is the Minimum Amount that you need to Pay to buy/Renew your Personal Accident Insurance Policy. You can calculate the Minimum Premium that you need to pay to take the Policy By Using the Royal Sundaram Personal Accident Insurance Premium Calculator. The Amount of Premium Paid will Depend on your Plan and covers you have opted for. You need to enter the below Information to buy Royal Sundaram Individual Personal Accident Policy.
- Personal Details.
- Nominee Details.
- Contact Details.
- Plan Details.
For More Details of Royal Sundaram Personal Accident Policy please refer Official Brochure