You can claim in a GPA policy against accidental death, permanent and partial disability, temporary disability, and accidental medical expenses depending on the coverage in your policy. However, there are chances that your accidental claim, though legitimate, is rejected by the insurer. Below is the list of policy exclusions or the reasons why your claim is likely to receive rejection in GPA (the list of exclusions varies from insurer to insurer and hence you need to refer to your policy document for a complete list of exclusions) :
- Any pre-existing illness or injury
- Self-inflicted injury/ Suicide attempt
- Accidents due to intoxication/alcohol or drug abuse
- Participation in dangerous sports
- Injuries as a result of criminal or disorderly behavior
- War or civil unrest
- Personnel on duty with military, police, or paramilitary organizations until explicitly specified in the policy
- Snakebite and Animal-bite until explicitly specified in the policy
So, any of the above reasons could lead to the rejection of a claim in GPA.
Thus, it is important to read coverage, exclusions, add-on cover, and terms of personal accident policy while buying a policy. Low-cost premiums should not be the criteria to choose an accidental policy. You need to check the risk coverage and sub-limits associated with a policy as well.