Any eligible individual regardless of age (usually 18–65 for adults), can apply.

It typically covers:

• Accidental death or dismemberment
• Permanent total disability
• Medical expenses due to an accident
• Burial Benefit due to an accident
• Optional riders such as hospitalization due to accident, emergency medical evacuation / repatriation.

Yes, it is covered, 24/ and anywhere in the world provided the policy is active or member is still enrolled. However, hazardous activities or extreme sports may require additional coverage or exclusions, so it’s important to check the policy terms.

Common exclusions include:

• Suicide or self-inflicted injuries
• Injuries from illegal activities
• Caused by Pre-existing medical conditions
• extreme sports such as scuba diving, mountaineering, winter sports, etc.

1. What should I do immediately after an accident?

Notify us as soon as possible. Seek medical attention immediately if needed and keep all medical reports, bills, and receipts. Document the circumstances of the accident with written notes or photos, if possible.

2. How do I file a claim?

You can file a personal accident claim through our claims hotline, email, online portal, or your insurance agent. Please provide your policy number and details of the accident.

3. What are the claim requirements?

To process your claim, please prepare and submit the following:

• Completed claim form
• Policy number
• Date, time, and details of the accident
• Medical reports, hospital records, and treatment bills
• Proof of loss of income (if applicable)
• Police or accident report (if required)
• Any other documents requested by the insurer