Group Accident Insurance

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Group Personal Accident Insurance Advantage

  • Accidental Death
  • Permanent Total Disability
  • Permanent Partial Disability
  • Temporary Total Disability

How to ensure claims are paid?

Occupancy/Nature of work

Since the risk varies considerably based on a person’s occupation, claims are rejected if information is found to be false at the time of claim. Insured should share the designation and work profile of the employee at the time of policy inception.

Cashless facility

Group personal accidental claim will be settle on reimbursement basis but now days few insurers start giving cashless facility for Group personal accidental policy as well with extra premium .

Claim Intimation

It is important to timely intimate the claim to the insurer. In case of death or involvement of third party, intimation to local authorities is also necessary. For example: FIR , Death report.


● There are specific exclusions such as
● Adventure sports
● Driving under the influence of alcohol
● Maternity related complications.
● Underground mining workers
● Naval, Military or Air Force Personnel
● Nuclear Risks
● Automatic passenger cover for Airlines, Crew of Aircraft

Why Policy Nivesh

We are not selling anything online rather just educate customer about the product features , coverages, exclusions , claim settlement and all other things where customer get confused while buying any insurance/loans etc. If customer is satisfied with our product details than may ask for competitive quotes from various insurers.

Asked Questions

Life is uncertain. As per Global Status Report on Road Safety 2013, one person dies every 4 minutes due to a road accident in India. Personal accident insurance policy becomes relevant when such accidents take place.
The premium amount is determined by the occupation of people. Professional mountaineers, pilots, miners have to pay higher premium rate than people with low risk jobs such as bankers, professors, IT professionals.
When making a claim you will be required to produce complete personal information (name, age, gender, address, ID proof) along with death certificate, FIR report, post-mortem report, medical bills and medical certificate.
The typical cover offered by companies is 3 to 5 time’s annual salary. The higher the insurance the more security for the employee.
Premiums of Group Personal Accident are treated as expense deductible from the profit and loss of a company.
The risks covered are different. Health insurance covers medical treatment costs, particularly hospitalization. Personal accident covers accidental death and dismemberment. That’s why you need a separate personal accident insurance policy.

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