-
100% SI Payout*
-
No Medical Check-Ups
-
Worldwide 24/7 Coverage
Group Personal Accident
Accidents can happen anytime, anywhere. A sudden fall, a road accident or an unexpected injury can cause not only physical pain but also create significant financial challenges for your employees’ families.
Consider a situation where your employee, the family's main earning member, gets seriously injured and cannot work for months. Medical bills pile up, daily expenses continue, and their family's financial stability is affected. Children's education, loan payments and household costs, everything becomes a burden. This is where IndusInd Group Personal Accident Insurance (formerly Reliance Group Personal Accident Insurance) Policy steps in to help.
It is a comprehensive safety net designed for you to protect your employees and their families. When an accident happens, this insurance provides immediate financial support. This coverage helps your employees’ loved ones be financially secure after a serious accident, temporary incapacity or other unforeseen event. It provides reliable safety that helps families stay financially stable during the hardest times in life.
Why Choose IndusInd Group Personal Accident Insurance?
IndusInd General Insurance (formerly Reliance General Insurance) brings decades of trust and reliability to protect your employees. With comprehensive coverage, quick claim settlements and flexible policy options, we understand what you and your workforce truly need for complete accident protection.
Comprehensive Global Coverage
Protects all accident-related injuries
Affordable Premiums
Group rates make insurance cost-effective
Quick Claim Settlement
Fast processing ensures timely support
Flexible Policy Options
Customise coverage to suit your needs
What is Group Personal Accident Insurance?
Group Personal Accident Insurance is a special insurance policy that you purchase to protect all your employees together. It covers injuries, disabilities, or loss of life caused by sudden accidents – not illnesses or diseases.
When an accident happens, this policy pays money directly to the injured person or their family. The amount depends on the type of injury that occurred. For example, in the case of accidental loss of life, the family receives the full insured amount. If someone loses a limb or their eyesight, they get compensation based on the policy terms.
You purchase this insurance because it shows you care about your workers' safety and well-being. It helps your employees feel secure knowing their families will be financially protected.
Who Should Buy Group Personal Accident Insurance?
Large Companies
If you have many employees, you should buy this policy to protect your entire workforce. It shows you value your employees’ safety and well-being. Group insurance is more affordable than individual policies, which makes it cost-effective for your business while providing comprehensive coverage to all staff members.
Manufacturing Businesses
If your employees work with heavy machinery, at construction sites, or in hazardous environments, you need this coverage since these jobs have higher accident risks compared to office work. The policy provides financial security to your workers and their families, helping you fulfill your duty of care responsibilities.
Transport Companies
If your employees drive vehicles, handle cargo, or travel frequently for work, you should invest in this insurance. Your drivers, delivery staff, and field workers face road accident risks daily. This policy ensures they and their families receive immediate financial support if something unfortunate happens during work hours.
Educational Institutions
If you run a school, college or university, you can protect your teaching and non-teaching staff with group accident insurance. Your teachers, lab assistants, maintenance staff and administrators all benefit from this coverage. It creates a secure working environment and demonstrates your institution's commitment to employee welfare and protection.
Corporate Offices
Even if you run an office-based company, you should consider this insurance, as accidents can happen anywhere, anytime. Your employees commuting to work, travelling for meetings or working from different locations remain covered. The worldwide coverage from our plan ensures protection beyond your office premises, including during business trips and personal time.
Hospitality Sector
If you run a hotel, restaurant, retail stores or service business, you employ many workers in customer-facing roles daily. These employees move around constantly, handle equipment and sometimes work irregular hours. Group personal accident insurance provides them with financial protection, improving employee satisfaction and helping you retain good talent.
Benefits and Features of IndusInd Group Personal Accident Insurance
Eligibility Criteria of Group Personal Accident Insurance
Age Requirements
The policy covers individuals between five years and seventy years of age. Both your young employees and senior staff members can be included under the group policy. There's no upper age limit restriction for existing insured members continuing their coverage. Children of your employees aged five years and above can also be covered under the policy.
Group Size
This insurance is designed for groups of people, not individuals. You can buy this insurance policy for your employees, or if you run an institution, you can purchase it for your members. If you run a Society, club, association or organisation, you can also apply for group coverage. Minimum group size requirements may vary based on the insurance company's terms and conditions.
Employment Status
All your employees working full-time with your organisation are eligible for this insurance coverage. Your part-time employees, contractual staff and temporary workers can also be included if you choose. The policy can cover workers across all departments, locations and job roles within your organisation without discrimination.
Health Conditions
No medical examination is required to enroll in this group personal accident insurance policy. Pre-existing health conditions and diseases are not relevant for this coverage, as it only covers accidents. However, any disability or injury must be solely caused by accidents, not by existing illnesses or medical conditions.
Occupation Types
The policy covers your employees across all types of occupations and job roles within your organisation. Your office workers, field staff, factory workers, drivers and managers all qualify for coverage. You can choose between on-duty coverage, off-duty coverage, or complete twenty-four-hour protection based on your requirements and budget.
Geographical Location
Your employees working anywhere in India are eligible for this group insurance policy without any location restrictions. The coverage extends worldwide, protecting your employees during business trips, international assignments and personal travel abroad. There are no separate eligibility criteria based on the city, state or region where your employees are located.
How to Buy Group Personal Accident Insurance?
Scroll Up
Enter your contact details on the form on top and wait for a callback.
Enter Details
Fill out the proposal form with your company and employee details.
Review and Pay
Submit the form, review the premium quote and pay online as directed.
Get Policy
A copy of your policy will be emailed to you. Download and save it.
Inclusions and Exclusions of IndusInd Group Personal Accident Insurance
What is Covered?
Accidental Death: Full sum insured paid to your employee’s family if they lose their life due to any covered accident.
Permanent Total Disability: Complete payout when the accident causes total loss of two limbs, both eyes, or one of each.
Permanent Partial Disability: Specific percentages paid for losing fingers, toes, one limb, one eye, or hearing based on severity.
Temporary Total Disability: Weekly compensation of a specified amount when an employee cannot work temporarily due to accidental injuries caused.
Medical Expenses: Hospital bills, doctor fees, medicines and surgery costs are covered up to specified limits after accidents occur.
Education Grant: Financial support for your employee’s children's education in case of their loss of life or permanent disability.
Exclusions
Self-Inflicted Injuries: Any injury caused intentionally by the employee, suicide attempts, or self-harm is not covered under policy terms.
Intoxication Related: Accidents that happen while the employee is high on alcohol, drugs, or any other intoxicating substances are excluded completely.
War Risks: Injuries from war, invasion, rebellion, nuclear weapons, radioactive contamination, or similar events are not covered at all.
Pregnancy Complications: Disabilities or injuries resulting from pregnancy, childbirth, or related medical conditions are not included in coverage.
Disclaimer: For a detailed list of coverage information, read your policy documents.
One policy = Total team protection
Your team’s safety starts with one call
How to File an IndusInd Group Personal Accident Insurance Claim?
Cashless
Immediate Notification: Your employee should contact IndusInd General Insurance within 24 hours of the accident by phone or email.
Network Hospital: They should go to any of our network hospitals for their medical treatment and care.
Show Policy: They should present their employee ID, policy number and identity proof at the hospital admission desk for the verification process.
Hospital Coordination: The hospital directly contacts us for approval and sends all required treatment documents electronically.
Treatment Begins: Once approved, their treatment starts immediately without them paying hospital bills from their pocket.
Reimbursement
Notify Insurer: Your employee should inform IndusInd General Insurance about the accident within twenty-four hours through our helpline or email address.
Get Treatment: They should visit any hospital of their choice and complete their treatment. Keep all bills, prescriptions and reports safe.
Collect Documents: They should gather the claim form, medical bills, discharge summary, FIR copy and other necessary documents as per the list.
Submit Application: They should send all documents to us via email, by post or by visiting our nearest branch office.
Receive Payment: The claim money is electronically paid to their bank account after verification and confirmation.
Disclaimer: For precise claim-related information, please refer to our policy documents or get in touch with our customer helpline.
Documents Required to File a Group Personal Accident Policy
Basic Documents
Claim Form
Your employee should complete the form with all the correct information and sign it. Get it from your company's HR or download it from the insurance website.
Policy Copy
A photocopy of their insurance policy paper that has their name and policy number on it.
Identity Proof
They should provide an Aadhar card, PAN card, passport or driving license to verify the insured person's identity.
FIR Copy
First Information Report from the nearest police station after the accident, and submit a certified copy.
Medical Expenses
Hospital Bills
Original bills and receipts showing room charges, doctor fees, surgery costs and other expenses.
Consultation Receipts
All receipts for doctor visits, specialist consultations and follow-up appointments.
Medicine Bills
Original pharmacy bills with doctor's prescriptions for medicines purchased during treatment.
Test Reports
All diagnostic test bills, including blood tests, X-rays, CT scans, MRI, and ultrasound.
Admission Papers
Hospital admission form, discharge summary and papers documenting your hospital stay duration.
Temporary Disability
Disability Certificate
A medical certificate mentioning the exact period your employee cannot work due to accident injuries.
Progress Reports
Regular medical reports during recovery, showing how their injury is healing over time.
Employer Certificate
Your HR department letter confirming the employee was absent from work during disability period.
Salary Proof
Payslips or bank statements showing recurring income and loss.
Disability Claims
Disability Certificate
Medical certificate from an authorised doctor stating the type and percentage of permanent or temporary disability.
Medical Reports
Diagnostic test results, X-rays, MRI scans and blood tests related to accident injury.
Treatment Details
Doctor's prescriptions, treatment plans, surgery notes and medical advice given during treatment.
Discharge Summary
Hospital discharge card showing diagnosis, treatment, medicines prescribed and final medical condition.
Death Claims
Death Certificate
Original certificate from the municipal corporation, gram panchayat or hospital stating cause and date.
Post-Mortem Report
If conducted, submit the examination report from the hospital or forensic department detailing the cause.
Police Report
Final investigation report confirming accident details, circumstances and findings after completing the inquiry.
Legal Documents
Legal heir certificate or succession certificate proving who the rightful claimants are.
Nominee Proof
Nominee's Aadhar card, PAN card and address proof for verification and payment processing.
Disclaimer: For precise claim-related information on document submission, please refer to our policy documents or get in touch with our customer helpline.
IndusInd General Insurance
Aapke Protection ka All-rounder
Download our IndusInd General Insurance App now!
