View and download policies, proposal forms, detailed wordings, network hospital list etc.
See escalation matrix, send service requests, track progress, get acknowledgements etc.
Intimate claim, fill claim form, share documents, track status, get reminders etc.
Cover accidental death, permanent disability and temporary total disability. It also covers medical expenses linked to accident.
It is possible to have multiple sum assured in the policy. Coverage can vary by grade, designation, profile and salary.
Add-ons are available to cover education expenses for children in case of parent's death.
Claim settlement is faster than Workmen Compensation policies, as there is no need to wait for adjudication by the court/commissioner.
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.
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.
Customers generally ignore the renewal process due to which the claimed filed between the renewal gap are rejected. We prevent this by sending timely renewal reminders.
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.
Policy can be enhanced with some rider plans to cover accidental death benefit, accidental disability benefit. This could be structured as a supplementary plan.
There are no specific exclusions under this policy. But add on covers can be excluded in specific cases like intentional self injury, attempted suicide etc.
We have specialized employee benefits underwriters and tie-ups with international experts.
We work with all insurers to get you the best options- both in terms of price and features.
Cover notes are issued within hours of request. This documentation is sufficient for any contractual requirement.
We manage all aspects of your claim - from preparing documentation to follow-up with the insurer.
We will advice you on risk management best practices.
See all your contracts renewal information in one place. Place service requests on PAM.