Personal Accident Insurance Policy With Bonus Up to 5%*

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IndusInd Personal Accident 360Shield

IndusInd Personal Accident 360Shield (formerly known as Reliance Personal Accident 360Shield) is a comprehensive plan that provides protection against partial disability, permanent total disability, and accidental fatality. It covers hospitalisation, outpatient treatment (OPD), burns, coma and more.

The sum insured options of this personal accident cover range from ₹5 lakh to ₹25 crore, and policy coverage begins from the day of purchase. Moreover, it offers additional benefits such as coverage for daily hospital costs, loss-of-income compensation and transportation expenses.

Plus, with customisation options via add-ons, you can get coverage for physiotherapy after hospitalisation and for medical equipment such as manual wheelchairs, walkers, crutches, and canes. This accidental insurance policy is ideal for anyone working in high-risk jobs, living in areas prone to accidents, parents, frequent domestic and international travellers, and self-employed individuals.

Get our personal accident policy today to protect against life’s unexpected turns.

What Is Personal Accident Insurance?

A personal accident insurance policy offers financial support if the insured suffers an injury, disability, or fatality due to an accident. It covers events such as road accidents, slips, falls, and workplace mishaps. The policy pays a lump sum based on the type of injury or loss.
For example, if an accident causes permanent disability, the policyholder receives a pre-decided amount. This insurance helps manage sudden medical expenses and loss of income. It also provides support to the insured’s family in case of fatality. Unlike life insurance, it specifically covers accidents only.

IndusInd’s 360Shield Personal Accident Cover provides wide protection including accidental fatality, permanent total disability, and partial disability. The policy also covers hospitalisation expenses and offers add-on covers, such as child education benefits.
You can choose your coverage amount and customise the plan. Claims are processed quickly, and payouts help maintain financial stability after an accident.

Health insurance covers hospitalisation for illnesses or injuries, whether accidental or not. Personal accident insurance only covers accidents. Health insurance covers treatment costs, while personal accident insurance pays a lump sum for accidental injuries or severe fatality.

Why Choose Us?

Why 5 Crore+ Policyholders Choose Us?

Accidents can throw you off guard. The IndusInd Personal Accident 360Shield (formerly known as Reliance Personal Accident 360Shield) plan is designed to ensure you get maximum financial support in your hour of need.

Personal Accident 360Shield

100% SI Reinstatement

Get your SI restored for every claim

Loan and EMI Protection

Never miss a loan or EMI payment

9 Add-Ons Available

For extensive protection

24/7 Customer Support

Get support in India and overseas!

Why Do You Need a Personal Accident Insurance Cover in India?

In 2022, data from the Ministry of Road Transport & Highways revealed a grim figure: over 1.68 lakh people lost their lives in road accidents across India. Apart from these fatalities, many others sustained serious injuries, which led to long-term or permanent disabilities.

Plus, a 2024 report on the Economic Burden of Accidents and Injuries in India highlights that treatment at a private hospital costs nearly 5 times more than treatment at government facilities. This makes accident-related medical care financially overwhelming for many households.

These unpredictable events serve as a strong reminder of why it is important to have personal accident insurance. Such a policy can offer a much-needed financial safety net when life takes an unexpected and tragic turn.

A personal accident cover acts as a safety net when life takes an unexpected turn. If an accident results in a loss of life, your family receives a lump sum that can help them cover everyday expenses, manage household costs, and pay off any loans or dues.

If the injury causes temporary disability, the policy can provide a regular income during your recovery period. This helps ease the pressure of lost earnings and ensures your family’s needs continue to be met, whether that is rent, school fees, or grocery bills.

With personal accident insurance in India growing at 3.5% year-on-year, more individuals are recognising its importance. It is a dependable income-protection tool against sudden accidents.

Accidents do not just affect high-risk jobs or travellers. A fall at home, a two-wheeler skid, or an unexpected collision can disrupt your life.

Imagine a self-employed person unable to work for three months due to a leg fracture or a parent needing funds for hospitalisation after a roadside mishap. Given the rising cost of private medical treatment and the financial strain caused by loss of income, even a single accident can destabilise an otherwise secure household.

Without accident insurance, the loss of income and high medical bills can strain any household. In such situations, a personal accident policy offers much-needed financial relief.

IndusInd Personal Accident 360Shield – Core Features & Benefits

Our Personal Accident cover offers the best-in-class features that help you recover from accidental injuries and support your family with financial responsibilities. Here are our key features that make recovering worry-free:

Key Features	Details
Coverage Amount	₹5 lakh - ₹25 crore
Coverage Offered	Coverage from day 1 + worldwide coverage
Policy Tenure	1, 2 or 3 years
Quick Claims	100% digital claims via IndusInd Insurance App + 3-hour cashless claims
Add-on Covers	9 optional covers available
Discounts	Up to 12% for 3-year plans + discounts for online purchases
Worldwide Assistance	Emergency assistance for evacuation or legal support abroad
24/7 Customer Support	Get support anytime for all your queries and doubts

IndusInd Personal Accident 360Shield: Inclusions and Exclusions

What is Covered?

Accidental Death: The sum insured and the cumulative bonus are paid to the family if the insured person dies due to an accident.

Permanent Total Disability: Up to 200% of the base SI and the cumulative bonus for permanent total disability due to an accident.

Permanent Partial Disability: The SI and the cumulative bonus are paid in case of permanent partial disability due to an accident.

Repatriation of Mortal Remains and Funeral Expenses: Payment for transportation of the mortal remains and the funeral expenses.

What is Not Covered?

Pre-Existing Conditions, Mental Disorders & Maternity: We cover costs for all ailments except for those related to treating pre-existing injuries/physical conditions, psychological illnesses and childbirth.

Adventure Sports: We cover adventure sports injuries, but you'll need the add-on to get coverage.

War, Substance Abuse and Self-Harm: You're covered for all accidental injuries except for those due to war or war-like situations, influence of drugs or alcohol or self-harm.

Disclaimer: The inclusions and exclusions are subject to policy terms and conditions. Please refer to the official policy document here.

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Details Needed to Buy IndusInd Personal Accident 360Shield

The IndusInd Personal Accident 360Shield Plan offers unparalleled protection against unforeseen accidents. To get started, provide the necessary details, such as the following:

Parameters	Details
Age Limits	18 and 80 years (Adults) 30 days to 25 years (children)
Coverage Continuity	Lifelong renewals
Policy Type	Individual/Family (non-floater basis)
Policy Tenure	1/2/3 years, depending on your preference
Medical Test	Not required unless specifically requested by us

Types of Personal Accident Insurance Policies

Personal accident insurance comes in various forms, each designed to match different lifestyles, risk profiles, and coverage needs. Options include individual personal accident insurance, a family personal accident cover, or a group personal accident policy through your employer.
These policies vary in terms of customisation, claims control, sum insured, and add-on flexibility. Understanding each option helps you make a wise and informed choice.

Individual Personal Accident Insurance Policy

This standalone cover protects you against accidental fatality, permanent or partial disability, and more. IndusInd Personal Accident 360Shield offers coverage starting from ₹5 lakh to ₹25 crore. It includes optional benefits such as hospital cash, fractures, and trauma care. With zero waiting period and flexible add-ons, it is ideal for professionals and self-employed individuals who prefer personal control over their insurance.

Group Personal Accident Insurance Cover

Employers typically offer a group personal accident policy to cover their workforce. It provides basic protection against accidental fatality or disability but usually comes with lower coverage limits and no personalisation. Coverage usually ends when you leave the organisation. It is wiser to combine it with an individual personal accident insurance plan for long-term financial protection.

Who Should Buy IndusInd Personal Accident 360Shield?

Professionals who travel daily for work face constant road and travel risks. A personal accident policy provides income protection and confidence in the event of an accident, injury, hospitalisation, or permanent disability.

These individuals often lack employer-provided coverage. A personal accident insurance policy protects their income and business continuity if an accident impacts their ability to work or manage day-to-day operations.

Primary caregivers may not earn a salary but still contribute significantly to the household. Accident coverage helps manage recovery costs and support services if they are unable to perform their daily responsibilities.

People in hazardous roles, such as construction workers, delivery personnel, and drivers, face greater risk. A personal accident policy provides essential financial security in the event of on-duty injuries or long-term disability.

Accidents during travel can derail financial plans. Those with EMIs or loans need accident insurance to ensure their liabilities are covered and that their dependents remain protected even in unforeseen situations.

How Much Personal Accident Insurance Cover Do You Need?

Factors That Decide Your Sum Insured and Premium

Age

Younger individuals often receive higher coverage at lower premiums than older individuals.

Annual Income

Your income helps determine the sum insured; ideally, 5X to 10X your annual earnings.

Occupation Type

High-risk jobs like driving, construction, or field work may require and attract higher cover.

City of Residence

Urban residents may face higher risks due to dense traffic and urban lifestyles, which can impact both the sum insured and the premium.

Lifestyle and Travel Habits

Frequent travellers or those engaged in activities like biking or trekking may need broader coverage.

Family Dependants

If you support a family, you may need higher coverage to ensure their financial security after an accident.

Customisation Level

Choosing only the features you need helps control unnecessary premium expenses.

Ideal Sum Insured for Different Life Stages

5 - 10X Your Annual Income

A good rule of thumb is to opt for 5 to 10 times your annual income. Younger individuals or single professionals may choose lower sums. But breadwinners, parents, or people with EMIs should opt for coverage of ₹50 lakh to ₹1 crore. Your stage of life and financial responsibilities should guide your sum insured.

Eligibility, Policy Term & Sum Insured - IndusInd Personal Accident Policy

Parameter	Details
Eligible Age for Proposer	Individuals aged 18 to 80 years
Sum Insured Options	₹5 lakh to ₹25 crore under Personal Accident 360Shield
Cover for Dependent Children	Dependent children aged 30 days to 25 years
Family Members You Can Cover	Spouse, children, parents, in-laws, siblings, grandparents, grandchildren, and adopted dependents
Maximum Members Allowed	Up to 8 members, each with an individual sum insured
Policy Type Options	Individual or family coverage
Maximum Age on Renewal	No age limit, with continuous renewal

Policy Tenure, Renewability and Waiting Periods

Policy Feature	Details
Flexible Policy Tenure	Available on an annual basis with yearly renewal
Policy Tenure Options	Choose a tenure of 1, 2, or 3 years
Renewability	Continuous renewal to retain uninterrupted coverage
Waiting Period	Zero waiting period; coverage starts from day 1
Accident Coverage	Hospitalisation and accident benefits are effective immediately
Renewal Process	Seamless and timely renewal preserves all policy benefits

IndusInd Personal Accident 360Shield Add-Ons

IndusInd Personal Accident Insurance helps cover against accidents like slips, falls, road accidents, and burns that could lead to severe injuries, disablement and even loss of life. And while the base policy offers extensive coverage, our add-on plans allow you to enhance your plan with additional coverage for specific accidents or events. This way, you and your family have a financial safety net in case of an unexpected accident.

Covers for Hospitalisation

For severe accidental injuries that require extensive treatment. With this add-on, you get coverage up to ₹20 lakh (in multiples of ₹5 lakh) for room rent, nursing expenses, ICU charges, medicines, ambulance costs, etc.

OPD Cover for Accidents

With this add-on, get coverage up to ₹1 lakh for doctor’s consultation, diagnostic tests, medicines, vaccination and more if you meet with an accident and require medical attention for minor injuries.

Burns Benefit

With this add-on, you will get coverage of up to ₹50 lakh for covering expenses related to treating severe burns (second and third-degree burns) due to an accident (in multiples of ₹50,000).

Coma Benefit

Get a lump sum payout of 1% of your SI* (max ₹10,000 per week, 104 weeks max) if you are in a coma for more than 96 hours after an accident. For example, if your SI is ₹1 crore, you would get ₹1 lakh per week for 104 weeks.

Reconstructive Surgery

With this add-on, you get up to ₹10 lakh* coverage for any surgery required to restore your physical appearance or function post-accident. E.g., You can file a ₹4 lakh claim for facial reconstructive surgery after an accident.

Trauma Counselling

Get mental support via psychological counselling to help you recover mentally after a major accident. You get covered up to ₹10,000 per session for a maximum of 6 sessions*.

Support for Children's Education

Get financial support via a lump sum payout for your dependent children’s education in case of disability after an accident. We offer up to 15% of your SI, or a maximum of ₹7.5 lakh*.

Loan and EMI protection cover

In case of a major accident causing death or permanent disability, get financial support to pay the principal loan amount and EMI on outstanding house, vehicle, education loan, etc., after an accident.

Worldwide Assistance Services

Get additional support for adventure sports, medical evacuation, legal assistance or help, emergency travel assistance, and more with this add-on, especially when travelling outside of India.

Discounts Under IndusInd Personal Accident 360Shield

My Employer is taking care of my Health Insurance and so I do not need one

10% Multi-Member Discount

Enjoy up to 10%* off on your premium when you include more than one member under the same policy.

My Employer is taking care of my Health Insurance and so I do not need one

10% Employee/Promoter Discount

Enjoy an exclusive 10%* discount for IndusInd Group employees and promoters.

My Employer is taking care of my Health Insurance and so I do not need one

7%–12% Long-Term Policy Discount

Save more by buying a long-term policy and get 7%* off for a 2-year term and 12%* off for a 3-year term.

My Employer is taking care of my Health Insurance and so I do not need one

5% Existing Customer Discount

If you already have another health insurance or our car insurance, you get 5%* off while buying this plan.

My Employer is taking care of my Health Insurance and so I do not need one

5% Online Purchase Discount

Get a flat 5%* discount when you buy our Personal Accident insurance plan online.

Disclaimer: Availability of discounts depends on the policy terms and conditions. Please check your policy document before buying.

Why Choose IndusInd General Insurance for Your Personal Accident Cover?

Trust & Claim Support (Claim Settlement Performance, 24/7 Helpdesk)

IndusInd General Insurance is known for smooth claims and dependable service. The company offers a 24x7 helpline and a fast, transparent claim settlement process. Customers can easily track claims and get support anytime. The focus is on providing help when it is needed the most, quick, clearly, and without long delays.

5 Crore+ Policyholders and Strong Brand Backing

Over 5 crore policyholders* have trusted IndusInd General Insurance (previously Reliance General Insurance) for their protection needs. The company’s strong financial background and decades of experience make it a reliable choice for individuals and families looking for long-term security and confidence.

Digital Journey – Instant Policy Issuance & App

With a fully digital process, you can buy your policy in just a few clicks. From instant policy issuance to easy access through the IndusInd Insurance app, managing your personal accident cover has never been easier. You can renew, update details, and raise claims, all without paperwork or long wait times.

Customer Stories & Reviews

Policyholders praise the smooth purchase journey, quick policy issuance, and prompt claim responses. Many reviews highlight the helpful customer service team and the confidence that comes with 360Shield coverage. Many customers shared how this policy has supported families during critical situations.

How to Buy and Renew Online?

Buy Online

Scroll to the top of this page to buy the Personal Accident 360Shield.

Enter your details, such as name, mobile number and PIN code on the calculator.

Agree to the terms and conditions displayed to proceed.

Click “View Prices,” explore plan options and customise your policy.

Complete payment to get your policy via email instantly.

Renew Online

Go to the top of this page and select "Renewal".

Enter your policy number or mobile number as requested.

To complete verification, click “Send OTP” and continue.

Review and edit your existing policy if needed.

View the updated premium and pay online to renew instantly.

Health insurance starting at just ₹243 per month*!

Protect against Life's unexpected turns!

Safeguard yourself and your loved ones from life's unexpected turns with IndusInd Personal Accident 360Shield!

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How to File a Claim Under IndusInd Personal Accident 360Shield?

Register Your Claim

Inform us about the accident as soon as possible. You can do this by logging on to the IndusInd Insurance app or by visiting our website or calling us on (022) 48903009 (Paid Number).

Share Your Documents

Initiate the claim within 30 days from the date of the accident and submit all the relevant documents within 15 days. For emergency hospitalisation, inform us within 24 hours of admission to the hospital.

Claim Decision & Payout

Once we get your claim-related documents, the claims team will start processing them. After they are verified and approved, we will transfer the amount to your registered bank account.

Things to Check for a Smooth Personal Accident Claim Experience

Experience quick claims with the IndusInd Personal Accident 360Shield Plan, designed to support you when it matters most. Ensure these essential steps are completed to ensure a smooth claim settlement process:

Understand Your Responsibility As the Policyholder

Understand and follow the policy terms and conditions
Pay the policy premiums on time

Notify Us on Time

When an accident or covered event occurs, notify us within 30 days. Inform us within 24 hours of admission for emergency hospitalisation.

Keep All Bills, Reports and FIRs Handy

Save hospital bills, reports, ambulance receipts, and FIR copies to support your claim documents effectively.

Coordinate With Your Family / Nominee

Ensure your family knows about the policy, claim process, and where important documents are stored.

Documents Required for Personal Accident Insurance Claims

Duly filled and signed claim form submitted by the nominee or legal heir.
Original death certificate issued by the competent local authority.
Post-mortem report and FIR or final police report, wherever applicable.
Nominee identity proof or a legal heir certificate if no nomination exists.
Cancelled cheque or bank details of the nominee for claim settlement.

Completed and signed claim form submitted by the insured person.
Medical practitioner’s certificate confirming the nature and extent of disability or injury.
Hospital discharge summary, treatment records, and diagnostic reports.
FIR or police report, if the accident involved a road or serious incident.
Employer certificate or fitness report, where required, to support disability claims.

Completed claim form signed by the insured or claimant.
Hospital admission and discharge summary showing treatment dates.
Original medical bills and receipts for all hospital charges.
Investigation reports (X‑rays, scans, labs) supporting treatment.
Doctor’s prescriptions and treatment papers with diagnosis dates.
FIR or police report, if the hospitalisation resulted from an accident.

Personal Accident Insurance vs Other Insurance Covers

Personal Accident Insurance vs Term Life Insurance

Feature	Personal Accident Insurance	Term Life Insurance
Coverage Type	Accidental fatality and disability only	Fatality due to any cause (accident, illness, etc.)
Disability Benefit	Covered	Not covered
Illness Coverage	Not covered	Fatality due to illness covered
Premium Amount	Lower	Slightly higher as it offers a higher sum insured
Payout Trigger	Accidental injury or fatality	Fatality from any cause during the policy term
Policy Term	Usually 1, 2, 3 years, renewable	Long-term (5 to 40 years)
Claim Payee	Self or nominee (based on event)	Nominee only (unless it is term insurance with return of premium)
Best For	Accident-prone individuals, high-risk jobs	Family’s long-term financial protection
Tax Benefit (u/s 80C/80D)	Yes (Section 80C, if rider with life insurance plan)	Yes (Section 80C)

Personal Accident Insurance vs Health Insurance

Features	Personal Accident Insurance	Health Insurance
Coverage Type	Accidental fatality and disability	Illness, injury, hospitalisation
Cause of Claim	Only accident-related events	Both accident and illness-related medical needs
Payout Mode	Lump sum benefit	Reimbursement or cashless treatment
Hospitalisation Cover	Not mandatory for claim	Mandatory for most claims
Disability Coverage	Yes	No (unless with an add-on)
Premium	Usually lower	Higher, based on age and health status
Tax Benefits	Section 80C (if add-on with a life insurance policy)	Section 80D
Best For	Financial protection against accidents	Managing medical expenses from illness or injury

Personal Accident Insurance vs Critical Illness Insurance

Features	Personal Accident Insurance	Critical Illness Insurance
Coverage Type	Accidental fatality and disability	Specific life-threatening illnesses
Cause of Claim	Accidents only	Listed critical illnesses (e.g., cancer, stroke)
Payout Mode	Lump sum on accidental injury or fatality	Lump sum on diagnosis of covered illness
Hospitalisation Requirement	Not mandatory	Not required for payout
Disability Benefit	Yes	No
Claim Frequency	Multiple claims possible	Usually once per lifetime
Best For	Accident-prone individuals, outdoor workers	Those with a family history or a high-risk lifestyle

Do You Need All of These Covers?

Each of these insurance policies addresses a different risk. Personal accident insurance protects against income loss due to accidental injury or fatality. Term life insurance secures your family’s future in case of fatality from any cause.

Health insurance pays for hospitalisation expenses due to illness or injury. Critical illness insurance offers a lump sum upon diagnosis of serious diseases like cancer or stroke.

Together, they provide complete protection, covering treatment costs, recovery, and long-term financial stability. If you want comprehensive coverage against life’s uncertainties, it is wise to combine all three based on your risk and responsibilities.

Tax Treatment of Personal Accident Insurance Premium in India

Currently, personal accident insurance premiums are not eligible for tax deductions under Section 80C or 80D of the Income Tax Act. Unlike health insurance, which qualifies for deductions, accident-only covers do not generally offer any tax benefit.

Personal accident cover may, however, qualify for tax benefits only when purchased as a rider with a life insurance policy, subject to prevailing tax laws and conditions.

The policy is still important for financial protection, but buyers should know there is no direct tax saving linked to this premium.

Health insurance premiums are eligible for tax deductions under Section 80D; however, personal accident policies are not included in this section. If you buy it as a standalone cover, you cannot claim tax benefits.

The key difference lies in the policy type; health insurance covers illness, while accident insurance focuses only on accident-related risks.

Despite the lack of tax benefits, a personal accident policy is still essential. It offers lump sum payouts in case of accidental fatality or disability, financial help that your health or term policy may not provide.

If you have EMIs, dependents, or work in a risky job, this plan ensures income continuity. It is an investment in security, not just tax savings.

What Customers Love About IndusInd Personal Accident Insurance

Broad Coverage

Offers broad coverage for accidental fatality, disability, and add-ons that suit different lifestyles and real needs.

Value for Money

Delivers great value for money with flexible sum insured options and affordable annual premium choices.

Quick and Easy Buying Process

Buying the policy online is simple, quick, and takes just a few minutes from start to finish.

User-Friendly Mobile App

The IndusInd Insurance app is user-friendly and allows easy access to policy details, renewals, and claims.

Helpful Customer Service

Customer service is responsive and helpful, especially during policy purchase and claim-related support queries.

Reliable Protection

Provides dependable protection for working professionals, families, and frequent travellers across different life stages.

Key Takeaways

The Personal Accident 360Shield policy by IndusInd General Insurance (formerly Reliance General Insurance) keeps you financially covered to meet the treatment costs and compensate for the loss of income in case you meet with an accident. With us, your coverage begins on the first day of policy purchase, with a zero waiting period.

This plan offers a sum insured ranging from ₹5 lakh to ₹25 crore, with ample customisation options through 9 unique add-ons that enhance the type and level of protection you receive. It helps ensure that you are financially covered against high treatment costs and loss of income due to an accident.

This plan is suitable for everyone, including parents, freelancers, corporate professionals, people working hazardous jobs and top executives. Whether it’s recovery, hospital bills or support for medical equipment, the IndusInd Personal Accident 360Shield (formerly Reliance Personal Accident 360Shield) is your shield against life’s unexpected turns.

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IndusInd General Insurance

Aapke Protection ka All-rounder

IndusInd General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

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Frequently Asked Questions (FAQs)

What is the difference between partial and total disability?

Partial disability limits your ability to perform your job in some capacity. For example, this could be hearing loss, loss of a limb, loss of one eye, etc. – Injuries that don’t completely incapacitate you. Total disablement prevents you from doing any type of work. For example, this could be total body paralysis, coma, severe head injury that affects your cognitive abilities, or loss of two or more limbs. Put simply: With partial disablement, you will still be able to seek employment and work in some capacity. Total disability prevents you from seeking any type of work due to the complete physical impairment of your body. Insurance compensation for total disability is generally higher to account for the fact that the person is no longer able to work. At the same time, compensation for partial disability is slightly lower in comparison, since the person can still go back to work once they recover. Under the IndusInd Personal Accident policy, you're covered for both permanent partial and permanent total disability up to ₹25 Crores.

What does personal accident insurance cover?

Personal accident insurance is a type of insurance that provides compensation to you or your family in case you suffer from any injury, disability or loss of life due to an accident. It offers a payout amount (usually the sum insured) in case any of these events cause you to halt work or lead to a loss of life. The kind of disability from an accident could be either partial or total. For example, disablement could be loss of both eyes or one eye, loss of all limbs or any one limb, loss of hearing in one or both ears, etc.

How is personal accident insurance different from health insurance?

IndusInd Personal Accident insurance covers you for accident-related events that lead to hospitalisation. For example, this can be a road accident that leads to emergency hospitalisation. Health insurance covers you for a variety of other medical emergencies, including accident-related ones. For example, these can be your medical bills for when you fall sick and need to visit the hospital.

Will animal attacks, infection and murder be covered under the plan?

Yes, these more uncommon accidents are still covered under the IndusInd Personal Accident plan – Homicidal incidents can be considered as accidents, subject to no possibility of intentional loss of life (self-inflicted injury). Covered animal bites/attacks include snake bites, scorpion bites, and injuries from poisonous animals, reptiles, or insects. Disability arising from an injury-related infection (e.g., gangrene) after treatment is covered.

Can a customer renew their policy after PPD (Permanent Partial Disablement) or PTD (Permanent Total Disablement)?

After a Permanent Total Disablement (PTD) claim, you cannot renew the policy. For Permanent Partial Disablement (PPD), if the PPD claim results in a 50% disability rating, you cannot renew the policy. For reference, when your policy states “Specified Severity” coverage under PPD – 50% and above is considered “Specified Severity”.

If a case is declined for the proposer, can an individual policy be offered to only a non-earning family member?

No, non-earning members cannot take individual policies and can only be covered with an earning member. However, non-earning members are eligible for up to 50% of the earning member’s SI. For example, housewives can be covered if the proposer is an income holder. The housewife will receive 50% of the base salary increase.

Can a customer protect multiple loans from different banks?

Yes, provided the loans are taken within India from banks regulated by the Reserve Bank of India (RBI). The maximum amount payable is limited to the policy’s base sum insured amount or the outstanding principal loan amount, whichever is lower. And the loan payment will be drawn in the name of the financier. In case you already have insurance for that loan, you cannot get the Loan Protector benefit. The Loan Protect option can also only be added at the time of renewal.

What is the maximum amount per month for EMI under the EMI Protector benefit?

The maximum limit is 2%*. For example, if the loan amount is ₹10,00,000, the maximum limit is 2% of ₹10,00,000, which is ₹20,000 per month. The insured will receive either ₹20,000 or the outstanding EMI amount, whichever is lower, for a maximum of 3 months.

What is the process for waiving the renewal premium if I’ve opted for the “Renewal Premium” cover?

The renewal notice will indicate whether a waiver is available. If you've opted for this cover and the waiver is not mentioned, please contact the customer support team.

What if the customer changes their occupation/risk class at the time of claim under the IndusInd Personal Accident 360Shield plan?

The customer should inform us about the change at the nearest renewal. For multi-year policies, the insured should inform us immediately so the adjustment can be made for the remaining period.

Can home visits be considered for Post-Hospitalisation Physiotherapy benefits?

Yes, home visits are allowed. Claims under this benefit are payable on a cashless basis via our network providers. If you’re opting for this service from a non-network hospital, you’ll need to pay a 20% co-pay*.

For the Repatriation of Mortal Remains, which address will be considered by IndusInd General Insurance?

Any address outside the insured’s city of residence will be considered for repatriation. The benefit covers transportation from the place of fatality to the burial or cremation ground, or the insured's residence. The costs for this service are part of the sum insured. In case of multi-member fatality, the lump-sum amount will be settled to the nominee or legal heir.