Kshema Group Personal Accident Policy
A Kshema product
- 100% payout in case of accidental death
- Covers permanent and temporary disablement
- Weekly benefit for temporary total disablement
Choose Your Plan
Base cover: Death only
Optional covers:
1. Permanent Total Disablement
2. Permanent Partial Disablement
3. Temporary Total Disablement
Why Choose Kshema Group Personal Accident Policy?
Defined Fixed Benefit Options
Start with the base cover for accidental death and add upto three optional disability covers to protect the insured group.
• Base cover: Death only
• Choose up to three optional covers:
i. Permanent Total Disablement
ii. Permanent Partial Disablement
iii. Temporary Total Disablement
Weekly Payout for Temporary Disablement
Receive 1% of the Sum Insured (maximum up to INR 5000 per week) as specified in the Policy Schedule or Certificate of Insurance in case of temporary total disablement due to the accident.
Covers Post-Policy Incidents
Benefits are payable even if death or disablement occurs after the policy period, provided the accident occurred during the policy period and the event takes place within 12 months from the date of accident.
Protect the insured group from
Temporary Total Disablement
Permanent Partial Disablement
Permanent Total Disablement
Important Notes
- Death or disablement must occur within 12 months of the accident for the claim to be valid.
- Weekly benefits under Temporary Total Disablement are subject to policy limits, duration caps and medical certification as specified in the policy terms.
Frequently Asked Questions
Kshema Personal Accident Policy (Group) provides financial protection to members against accidental death, permanent total disability, permanent partial disability, and temporary total disability arising out of an accident.
The benefit amount is paid as a lump sum or periodic benefit, as applicable, in accordance with the policy terms and conditions.
Kshema Personal Accident Policy (Group) covers accidental death arising out of an accident.
a. Permanent Total Disability
b. Permanent Partial Disability
c. Temporary Total Disability
Minimum is 1 Day
Maximum is 5 Years
Age Group at Entry for Adults – 18 years to 70 years Age Group at Entry for Children – 91 days to 25 years
Minimum Sum Insured: Rs 5000
Maximum Sum Insured: Rs 1 cr in multiples of 1000
- We may cancel the policy only in cases of misrepresentation, non-disclosure of material facts, or fraud, by giving 15 days’ written notice, and no premium refund will be payable in such cases.
- You may cancel the policy at any time during the policy term by giving 7 days’ written notice without assigning any reason, and premium will be refunded for the unexpired period on a pro-rata basis,provided no claim has been made.
- For instalment-based premiums, refunds will be on a pro-rata basis, and for Annual or Multi-Year policies paid in full, full refund will be made where risk has not started and pro-rata refund where risk has started, after deducting multi-year discounts and medical examination expenses.
Cash, Cheque, UPI, Wallets, Credit Cards, Debit Cards, Net Banking
Insured Employee only or with any number of combinations among the below family members Spouse, Parents, Parents in laws, Dependent Children
If something happens, you must promptly inform us by calling our 24-hour Customer Care on 1800 572 3013 or you can email us on healthclaims@kshema.co, customer.support@kshema.co supply all required information and documentation and adhere to the claims process detailed in your policy documents.
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- Coverage for personal accidents and hospital cash benefits.
- Premiums calculated based on individual preferences and optional covers.
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