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What is an accident?
Can I include my family in this policy?
I am having Mediclaim policy with other insurance company; do I need to buy accident policy?
What is the meaning of dismemberment?
What do you mean by permanent partial disability?
What is permanent total disability?
What is temporary total disablement?
If the death occurs naturally, will my dependants get the reimbursement on behalf of me?
What are the benefits under accident policy?
What are the various exclusions in an accident policy?
Will my accident policy cover me even if I am out of the country?
What is the reimbursement under hospital cash allowance?
Am I covered for accidents arising of sports?
How do you define hazardous sports and activities?
If I am hijacked on a plane and die as a result, am I covered?
I am a pilot / glider / balloonist / parachutist - am I covered if I die from an accident?
What are the documents required to process a claim?
What is the process of intimating a claim?
What do you mean by the term “MLC Copy”?

Claim Process

For Personal Accident

The indicative list of documents required for each type of loss is mentioned below:

Weekly Benefit Claims

  • Claim Form

  • Attending Doctors Report

  • Original Disability Certificate from the Doctor, if any

  • Fitness Certificate from the Doctor

  • Investigation / Lab Reports (X-Rays reports with films & other reports etc)

  • Original Admission / Discharge Card, if hospitalised

  • Employers Leave Certificate with grade / designation

Death Claims

  • Claim Form

  • Attending Doctors Report

  • Original Death Certificate

  • Original / attested Post Mortem / Coroners Report

  • Attested copy of FIR / Panchnama

  • Police Inquest report, where applicable

Dismemberment / Disablement Claims

  • Claim Form

  • Attending Doctors Report

  • Original Disability Certificate from the Doctor, if any

  • Investigation / Lab Reports (X-Rays reports with films & other reports etc)

  • Original Admission / Discharge Card, if hospitalised

  • Police Inquest report, where applicable

  • In case of PTD claims – Disability Certificate from Govt. Registered Medical Practioners.

Child Education Support Claims

  • Certificate issued by the respective educational institute under which the child is taking the education clearly eliciting his name, his father & mother name, his age, nature of education he is taking, and expected time frame when the said education would be completed.

  • Other documents would be same as mentioned under Death OR Dismemberment / Disablement Claims.

Accidental Medical Expenses Claims

  • Original Hospital Discharge Card

  • Original Final Hospital Bill along with break-up

  • Cash-memos for the medicines along with supporting prescriptions.

  • Investigation Bills and payment receipts for same.

  • Other documents would be same as mentioned under Weekly Benefit OR Death OR Dismemberment / Disablement Claims (As per the applicable case).

Life Support Benefit claims

  • Documents would be same as mentioned under Dismemberment / Disablement Claims

Hospital Cash Allowance Claims

  • Original Hospital Discharge Card along with the documents same as mentioned under Weekly Benefit OR Death OR Dismemberment / Disablement Claims (As per the applicable case).

Loan Protector Claims

  • Documents pertaining to the loan availed from the financial institution clearly eliciting the EMI per month, balance no of months the EMI is applicable and the balance amount under the loan. (The said documents should be duly authorized by the respective financial institution from which the client has availed the loan).

  • Other documents would be same as mentioned under Death OR Dismemberment / Disablement Claims (As per the applicable case).

Repatriation Benefit and Funeral Expense Claims

  • Original Cash-memos for the expenses incurred for preparing your (insured person) body for burial or cremation and transportation of your (insured) body to your (insured’s) city of residence

  • Document eliciting the normal place of residence of the deceased covered under the policy issued. E.g.: Certified copy of electricity bill, telephone bill, etc.

  • Other documents would be same as mentioned under Death claim.

Adaptation Allowance Claims

  • Original Cash-memos for the expenses incurred by the insured / client to modify his vehicle OR make some changes in his house as necessitated by a Permanent Total Disability which resulted from an accident covered under this Policy along with the payment receipts.

  • Certificate issued by the attending doctor certifying the necessity to modify his vehicle OR make some changes in his house as necessitated by a Permanent Total Disability which resulted from an accident covered under this Policy.

  • Other documents would be same as mentioned under Death OR Dismemberment / Disablement Claims (As per the applicable case).

Family Transportation Allowance Claims

  • Document eliciting the normal place of residence address of the deceased covered under the policy issued. E.g.: Certified copy of electricity bill, telephone bill, etc.

  • Certificate issued by the attending doctor certifying the personal attendance to the insured / claimant / patient by an immediate family member due to an accident covered under this policy.

  • Original Bills for the expenses incurred by the immediate family member for transportation by the most direct route by a licensed common carrier to the place of confinement of the Insured Person along with the payment receipts.

  • Other documents would be same as mentioned under Death OR Dismemberment / Disablement Claims (As per the applicable case).


The list given is indicative in nature. Further additional documents may be called for depending on the nature of the claim.