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: |
|
| Policy Period: |
|
| Installment facility: |
|
| Stamp duty: |
|
| Tax Benefit: |
|
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.
- Group Discount: Group policies are entitled to a numerical discount as given below.
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,
- Proposal form/Application form is to be filled.
- Complete and Accurate information should be given by the Proposer.
- 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.
- 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