Personal Accident Insurance worth 1 Lakh

₹85

Personal Accident Insurance:
Get covered against accidental death and disability with personal accident insurance. Purchase the best plan at BeatOapp and save your medical expenses.

Accidental Death Benefit:
1.In case of accidental death 100% Sum Assured is paid
Or
1. Regular monthly Income equal to 1% of PAC Sum Insured payable for 10 years,

2.Part of Benefit amount as lump sum immediately on Accidental Death and regular monthly income @ 1% of balance benefit amount (i.e.,100% of PAC Sum Insured as reduced by part lump sum already paid) for 10 years depending upon the payout option chosen.

The choice of benefit payout as lumpsum or income or combination thereof can be exercised on or before the claim is made.

Accidental Total Permanent Disability(ATPD):
On the Total Permanent Disability of the Life Assured due to an Accident i.e. Accidental Total Permanent Disability (ATPD) during the coverage period. Regular monthly income equal to 1% of the PAC Sum Insured shall be payable for a period of 10 years

Accidental Partial Permanent Disability(APPD):
1. On Partial Permanent Disability 10%-75% of Personal Accident Sum Assured is Payable. 2. Regular monthly Income equal to 1% of Benefit amount payable for 10 years, or Part of Benefit amount as lump sum and a regular monthly income @ 1% of balance benefit amount (i.e.100% of APPD claim entitlement as reduced by part lump sum already paid) for 10 years depending upon the payout option chosen.

Other benefits conditions:
If ATPD occurs after APPD, then 1% of the remaining amount (100% of PAC Sum Insured – APPD Claims paid) shall be paid as a regular monthly income for 10 years

In case Accidental Death happens after APPD, then the remaining amount (100% of PAC Sum Insured – APPD Claims paid) shall be paid as a lump sum to the Nominee

Sr.No

Accidental Permanent Disability

Benefit as a% of Personal Accident Cover Sum Assured

1

Permanent Total Loss of Hearing in both ears

75%

2

Permanent Total Loss of use of one limb (hand/foot) other than by physical separation, or

50%

3

Permanent Total Loss of seight of One eye

4

Permanent Total Loss of use of four fingers and thumb of either  hand

40%

5

Permanent Total Loss of hearing in one ear

25%

6

Permanent Total Loss of the lens in one eye

7

Permanent Total Loss of use of four fingers of either  hand

20%

8

Permanent Total Loss of use of one thumb of either  hand

9

Ankylosis of the elbow,hip or Knee

10

Permanent Total Loss of Use of all toes

15%

11

Permanent Total Loss of Use of one finger of either hand, or

10%

12

Established non-union of Fractured leg or kneecap

 

Personal Accident Cover will be offered to the customers of Health Arx Ltd.  

What are the Minimum and Maximum entry age for the Group Health Shield Plan?
Minimum Entry Age- 18 Years| Maximum Entry Age- 60 Years

What are the Waiting and Survival periods within the Group Health Shield?
There is no waiting and survival period

Whether the claim is acceptable within the waiting period?
No claim is acceptable within the waiting period.

Will free look-in period be available in case the customer wants to cancel the policy?
Yes, the free look-in of 15 days will be available to the member from the date of receipt of COI.

I already have mediclaim and HDFC Life Group Health Shield Personal Accident Cover. Where can I apply for a claim if i get diagnosed with cancer?
You can raise the claims under both Mediclaim and HDFC Life Group Health Shield Personal Accident Cover.

Where do I have to submit the claim?
All the Claims documents along with claim form needs to submitted to HDFC Life at

     Health Claims Department,
     HDFC Standard Life Insurance Company Limited,
     11th Floor, Lodha Excelus,   
     Apollo Mills Compound. N. M Joshi Road,
     Mahalaxmi, Mumbai 400011, Maharashtra.
    Or You can send the soft copy at healthclaims@hdfclife.com from the registered email-id.

Whom Should I contact for Policy servicing and Claims related queries?

For Claims- healthclaims@hdfclife.com.

For Servicing- grouphealth@hdfclife.com.

What are the TATs for the claim settlement?
Maximum within 30 days from the last necessary documents received.

Feedback:

Contact us at our Registered Address: A-1, Ground Floor, Lane No.2, Kehar Singh Estate, Saidulajab, New Delhi-110030

Email: contact@beatoapp.com or Call  +91-78630 23286.