Group Accident

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Product Advantage

Comprehensive Cover
Cover accidental death, permanent disability and temporary total disability. It also covers medical expenses linked to accident.
Graded Cover
It is possible to have multiple sum assured in the policy. Coverage can vary by grade, designation, profile and salary.
Education Grant For Dependents
Add-ons are available to cover education expenses for children in case of parent's death.
Fast Claim Settlement
Claim settlement is faster than Workmen Compensation policies, as there is no need to wait for adjudication by the court/commissioner.

Why Claims Get Rejected?

Specific Exclusions

There are specific exclusions such as adventure sports, driving under the influence of alcohol, and maternity related complications. Often, these are not disclosed or understood by the insured.

Incorrect Occupation Classification

Under a group accident insurance policy, it is important to disclose exact nature of work. Since the risk varies considerably based on a person’s occupation, claims are rejected if information is found to be false at the time of claim.

Non-Timely Renewal

If your insurance is not renewed on time then claims filed after the renewal date are denied. We ensure renewal in time by sending reminders and following up.

Why SecureNow

Product Knowledge

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Quick Turnaround

Proposal forms and medical tests are quickly turned around. We follow up with insurers to make sure the insurance is issued fast.

Strong Claim Support

We manage all aspects of your claim - from preparing documentation to follow-up with the insurer.

Value Added

We support you if you need to get medical tests done or would like access to our wellness programmes.

Policy Administration
System (PAM)

See all your insurances and renewal information in one place. Place service requests on PAM.

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Mediclaim Rating

A comprehensive, fact-based rating of all the individual health insurance products in the market. This is the benchmark for comparing health insurance.


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Life is uncertain. As per Global Status Report on Road Safety 2013, one person dies every 4 minutes due to a road accident in India. Personal accident insurance policy becomes relevant when such accidents take place.
The premium amount is determined by the occupation of people. Professional mountaineers, pilots, miners have to pay higher premium rate than people with low risk jobs such as bankers, professors, IT professionals.
When making a claim you will be required to produce complete personal information (name, age, gender, address, ID proof) along with death certificate, FIR report, post-mortem report, medical bills and medical certificate.
The typical cover offered by companies is 3 to 5 time’s annual salary. The higher the insurance the more security for the employee.
Premiums of Group Personal Accident are treated as expense deductible from the profit and loss of a company.
The risks covered are different. Health insurance covers medical treatment costs, particularly hospitalization. Personal accident covers accidental death and dismemberment. That’s why you need a separate personal accident insurance policy.

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