Group Accident
Insurance

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Product Advantage

Comprehensive Cover
Covers accidental death, permanent disability and temporary total disability. It also covers medical expenses linked to accident.

Graded Sum Assured
It is possible to have varying sum assureds for different companies. Coverage can vary by grade, designation, profile, salary and marital status.

Education Grant For Children
Add-ons are available to cover education expenses for children in case of parent's death.

Fixed Benefit Payout
Benefit amount for disability payable as lumpsum, not linked to actual expenses incurred for treatment. Amount payable over and above Group Health Insurance claim.

How to ensure claims are paid?

Understand the 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.

Exact Disclosure of Occupancy

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. Insured should share the designation and work profile of the employee at the time of policy inception.

Timely Intimation

It is important to timely intimate the claim to the insurer. In case of death or involvement of third party, intimation to local authorities is also necessary. For example: FIR.

Claim Documentation

Provide the completed claim form, insurance policy correspondence with separation form. In case of death of member, death certificate and post mortem reports are required.

Add-on Covers

Policy can be enhanced with some rider plans to cover accidental death benefit, accidental disability benefit. This could be structured as a supplementary plan.

Exclusions

There are no specific exclusions under group gratuity insurance policy. But add on covers can be excluded in specific cases like intentional self injury, attempted suicide etc.

Why SecureNow

Deep
Product Knowledge

We have specialized health underwriters who can give specific recommendations to you.

Cost-effective
Insurance

We work with all insurers to get you the best options- both in terms of price and features.

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
Services

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.

Notify

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PROPOSAL FORMS

CLAIM FORMS

POLICY WORDINGS

NETWORK HOSPITAL LIST


PROPOSAL FOR GROUP PERSONAL ACCIDENT POLICY	OPTION 1: COMPREHENSIVE ADD-ONS WITH FIXED MEDICAL EXPENSES	OPTION 2: COMPREHENSIVE ADD-ONS WITH VARIABLE MEDICAL EXPENSES	OPTION 3: LIMITED ADD-ONS
TOTAL PREMIUM (RS. EXCLUDING TAXES)	₹ per annum	₹ per annum	₹ per annum

Sum Insured per employee
Total Sum Insured
Accidental Death
Permanent Total Disability
Partial Permanent Disability
Temporary Total Disability
Weekly benefit - Actual weekly salary or upto
Medical Expenses
Repatriation of Remains
Children education fund
Family Transportation Allowance
Terrorism
House / Vehicle Modification Allowance
Exclusions
Death or Disablement Due to Pregnancy
Nuclear Energy & Radiation Related
War
Suicide
Accident Resulting Due To Adventure Sports
Accident Resulting From Any Breach of Law
Conditions
Claim Intimation Time	Within 1 month	Within 1 month	Within 1 month
ClaimSubmission Time	Within 3 month	Within 3 month	Within 3 month
Addition/Deletion of Lives	Pro-Rata Basis	Pro-Rata Basis	Pro-Rata Basis
Note : These are indicative prices. Insurance is the subject matter of solicitation.

Group Accident
Insurance

Product Advantage