Oriental Insurance Gramin Personal Accident Policy

Oriental Insurance Gramin Personal Accident Policy Introduction

Oriental Insurance Gramin Personal Accident Policy is a health insurance policy which is one of the two variations of the Personal Accident Policy of the Oriental Insurance. In our day-to-day life we all are exposed to the risks of accidents. This may result into disablement or sight in eyes or loss of limbs or sometimes even death. In such cases, Oriental Insurance Gramin Personal Accident Policy gives you financial support. Oriental Insurance Gramin Personal Accident Policy is applicable to any person between the age group of 10 years to 70 years regardless of his/her occupation, income, etc.

Oriental Insurance Gramin Personal Accident Policy Eligibility conditions

Entry Age:	Minimum: 10 years Minimum: 70 years
Policy Period:	1 year
Installment facility:	For Group policies Installment facility is not allowed.
Stamp duty:	Rs.0.10 per Rs.1000/- Sum Insured.
Tax Benefit:	Not available

 For more information regarding Income Tax Benefits, visit www.taxqueries.in.

Oriental Insurance Gramin Personal Accident Policy Key features

• Oriental Insurance Gramin Personal Accident Policy requires lower sum insured.
• This is an affordable insurance policy for the poorer section of the society.
• The premium in case of Oriental Insurance Gramin Personal Accident policy is around Rs. 5 per annum.
• Discounts: Group Discount and In lieu of Agency Commission are allowed under Oriental Insurance Gramin Personal Accident Policy.
  • Group Discount: Group policies are entitled to a numerical discount as given below.
    

    No. of persons	%age of discount
    101-1000	5
    1001-10000	7.5
    10001-50000	10
    50001-100000	12.5
    100001-200000	15
    200001-500000	20
    500001-1000000	25
    Above 10 lacs	30

  • In lieu of Agency Commission: 15% discount for Group policies only.
  • Note: No other discount such as No claim or low discount is allowed.

Oriental Insurance Gramin Personal Accident Policy Inclusions

Oriental Insurance Gramin Personal Accident Policy provides compensation in the event of disablement or sight in eyes or loss of limbs or death. Sum insured in case of,

• Death due to accident will be around Rs. 10,000/-.
• Total irrecoverable loss of use of two limbs or one eye and one limb due to accident will be around Rs. 10,000/-.
• Total irrecoverable loss of use of one eye or one limb due to accident will be around Rs. 5,000/-.
• Permanent total disablement due to accident will be around Rs. 10,000/-.
• Sterilization risk is covered.
• Claims from racing on wheels, mountaineering whilst engaged in winter sports, big game hunting, skiing or ice-hockey are payable.

Note:  Death or disablement from accident should result within 12 months from date of accident.

Oriental Insurance Gramin Personal Accident Policy Exclusions

Exclusions under Oriental Insurance Gramin Personal Accident Policy are,

• Compensation under more than one of sub clauses given in inclusions in respect of same injury/disablement.
• Payment of compensation in respect of injury/disablement existing on the date of issue of the policy is excluded.
• Death/disablement/injury of the insured from,
  • Intentional self-injury.
  • Suicide or attempted suicide.
  • Abuse of intoxicant substance like drugs and alcohol is excluded.
  • Directly / indirectly caused by insanity.
  • Arising from the insured committing any breach of law with criminal intent.
• Compensation arising out of War, civil war, revolution, invasion, act of foreign enemies, Nuclear energy, radiation, etc.,.
• Death or bodily injury arising out of ionising radiation or contamination by radio activity from any source whatsoever.

For complete information about Exclusions please refer Oriental Insurance Gramin Personal Accident Policy guidelines and Oriental Insurance Gramin Personal Accident Brochure attached below.

Oriental Insurance Gramin Personal Accident Policy Customer Care

Assistance: 

For any grievance or complaint,
please write to – Mr. Masood Wahab,
Chief Manager,
Customer Service Department, Oriental House, A-25/27,
Asaf Ali Road, New Delhi-110002.
Contact details :
For all query, guidance use Toll free number: 1800 11 8485 Or 011- 33208485 (Normal Charges Apply )
Email:
For complaints/grievance related to insurance policy or claims: csd@orientalinsurance.co.in
For complaints/grievance related to online insurance policy: portal.support@orientalinsurance.co.in

Oriental Insurance Gramin Personal Accident Policy Buying procedure

Documents and conditions required to buy Oriental Insurance Gramin Personal Accident Policy are,

1. Proposal form/Application form is to be filled.
2. Complete and Accurate information should be given by the Proposer.
3. The company will not be on risk until the proposal has been accepted by the company and communication of the acceptance has been given to the proposer in writing on receiving full payment of premium.
4. Proposal form along with address proof, photographs (if required by the Oriental Insurance Company) should be submitted to the company.

Oriental Insurance Gramin Personal Accident Policy Claim procedure

• Notice of claim should be given to the Company by Fax, Email with particulars relating to Policy Number, ID Card No., Name, Nature of disease etc.
• Claim form along with the medical certificate has to be submitted.
• In case of death claim, following documents should be submitted.
  • A death certificate
  • Original policy.
  • Post Mortem Report.
  • Legal heir certificate.
  • FIR (First Information Report).
  • Police Panchnama.

Oriental Insurance Gramin Personal Accident Premium Calculator

You can calculate the premium using Oriental Insurance Gramin Personal Accident premium calculator. Personal details, Policy period, Number of members, Age and Sum assured and other details are required to calculate the premium.

Oriental Insurance Gramin Personal Accident Premium Rates

Rate of premium under Oriental Insurance Gramin Personal Accident policy are given in below table.

No. of years	Single gross premium (Rs.)
1	5.00
2	9.00
3	12.75
4	16.00
5	18.75
6	21.00
7	22.75
8	24.00
9	24.75
10	25.00

Oriental Insurance Gramin Personal Accident FAQ’s

Is Oriental Insurance Gramin personal accidental policy available for long-term?

Oriental Insurance Gramin personal accidental policy is maximum for one year only. However, depending upon the requirement of the proposer policy can be offered for a period which could even be lesser than one year.

Are there any territorial restrictions applicable to the policy ?

No, the coverage under this policy is WORLDWIDE however, claims, if any, will be paid in Indian currency only.

Can non-earning individual take Personal Accident Insurance cover ?

A non earning individual can have Oriental Insurance Gramin personal accidental policy.

Oriental Insurance Gramin Personal Accident Forms and Documents

Oriental Insurance Gramin Personal Accident Brochure

Oriental Insurance Gramin Personal Accident Claim Form

Oriental Insurance Gramin Personal Accident Proposal Form

About Oriental Group Mediclaim Policy

About Oriental Janata Personal Accident Policy

About Oriental Nagrik Suraksha Policy

About Oriental Bank Mediclaim Policy

About PNB – Oriental Royal Mediclaim Policy

About Oriental Individual Mediclaim Policy

About Happy family floater policy