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Most Popular Policies of Shriram General Insurance

  • Shriram General Car Insurance Plan
    This comprehensive car insurance policy boasts unique features and offers complete protection against damages to both third party vehicles and policyholders' own cars.
    Key features of Car Insurance Plan
    • Availability of customized coverage
    • No Claim Bonus is available
    • Faster claim-settlement process
    • Easy claim status tracking process
    Buy now
  • Shriram Householders Umbrella Package Policy
    This home package policy offers complete protection to the house of the policyholders from several different perils.
    Key features of Householders Umbrella Package Policy
    • Flexible policy covers
    • Wide coverage that encompasses the entire house
    • Personal accident is covered
    • Coverage available for cash loss
    Buy now
  • Shriram Personal Accident Insurance
    Personal Accident plan offers financial compensation to both individuals and groups in case of disablement and death due to an accident.
    Key features of Personal Accident Insurance policy
    • Security of family is guaranteed
    • Availability of customized plans
    • No requirement of medical test
    • Daily Allowance available for accidental hospitalization
    Buy now
  • Shriram General Two Wheeler Insurance Plan
    This plan covers vehicle repairing expenses along with third party liabilities.
    Key features of Two Wheeler Insurance Plan
    • Availability of customized coverage
    • No Claim Bonus is available
    • Faster claim-settlement process
    • Easy claim status tracking process
    Buy now

Shriram Personal Accident Insurance

Accidents are unsolicited things which can make the lives upside down of both the victim and the family. Planning is however a necessary thing to secure lives of each and every family member. Shriram personal accident insurance is a policy which is designed to provide complete protection to you and your family members in case of an accident incurred. That is because you must live your life even in very tough situation.

Shriram Personal Accident Insurance covers individual persona as well as group of people against both case of death and disablement arising out of bodily injury due to an accident. So to safeguard yourself and your family, this policy or any one similar with it can be baught.

Coverage available under the policy

This policy provides coverage for expenses in various conditions of the insured resulting from an accident.

Situation arising out of accident

Benefits from policy

Physical loss due to an accident while traveling in cruise or aircraft

Amount equivalent to total sum insured is provided

Loss of two limbs or two eyes or one limb and one eye

Total amount of sum insured is given

Loss of one limb or one eye

50% of the total sum insured is covered

Permanent Total Disability resulting from other bodily injuries

Total amount of sum insured is under coverage of policy

In case of permanent Partial Disablement

% of CSI

Deduction

Per Rs.5000 of the medical expenses

Variables in policy

You can access this policy for yourself only as an individual plan or you may go for family plan for the entire family of yours.

  • Personal accident policy for individual

The policy can be purchased for any individual between the age group of 5 years-70 years.

The total sum insured will depend on the basis of income from current occupation of the individual, which cannot be more than 60 months income.

In case of non-earning spouse and dependent children within the age-group of 5 years-25 years, the policy is extendable.

  • Personal accident policy for family

You can get 10% discount on the total premium amount if you will choose personal accident insurance policy for the entire family of yours.

The family plan involves family members including self, spouse & 2 children. Terms & conditions are similar for a group personal accident plan.

Exclusions from policy coverage

Few conditions are excluded from the coverage of this policy. Take a look on them to know in detail.

  • Insured cannot get coverage in case of self-injury or attempt to suicide and insanity.
  • Accident under the influence of intoxicating liquor or drugs is not allowed to get benefitted from policy coverage.
  • Death due to childbirth or related problems is not covered under the policy.
  • In case breach of law is incurred by the insured, situation is not handled by the insurer.
  • If accident occurred in the way of adventure or in respect of adventure sports, insurer is not liable to cover expenses.
  • Harm due to terrorist attack or war like activity is not coverable by this policy.