Oriental Insurance Company Limited
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PERSONAL ACCIDENT INSURANCE
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Brief Description :
We all in our day to day life are exposed to the risks of accidents. Despite all possible precautions accidents do occur. This may result into disablement or loss of limbs or sometimes even death. To cater to this need insurers have devised an insurance cover, known as Personal Accident Insurance. This policy provides compensation in the event of insured sustaining injuries, solely and directly from an accident caused by violent, visible and external means, resulting into death or disablement be it temporary or permanent. There are some additional benefits available without payment of additional premium like Cumulative Bonus, Children Education Fund, Reimbursement of expenses for the carriage of the dead body. There is a discount for family package cover plan.

Now you can buy and renew policies Online. Buy a new Personal Accident Insurance plan, Renew an existing Oriental's Personal Accident Insurance policy or renew PA policies bought from any other general insurance company by registering yourself on our Portal and paying online through your debit card / credit card or Net-banking. To check out various online facilities available, you may login on the Portal.
What is covered under PA Policy

This policy provides compensation in the event of insured sustaining injuries, solely and directly from an accident.

What is not covered under Personal Accident Policy
We at Oriental Insurance believe to gain trust from our customer we should be as transparent as possible. To ensure that you do not face any problem when you make a claim, we would like you to know some of the major exclusions under the policy .

a) Intentional self injury,
b) Suicide or attempted suicide,
c) Death or disablement resulting from child birth and pregnancy;
d) Accident while the insured is under the influence of intoxicating liquor or drugs;
e) War and allied perils.
Cumulative Bonus :
Compensation payable under clauses (a), (b), (c) and (d) of the policy viz,death, loss of limb(s) or sight and Permanent Total Disablement arising out of accidental injuries shall be increased by 5% thereof in respect of each completed claim free year, during which the policy shall have been in force, prior to the occurrence of an accident for which Capital sum becomes payable, but amount of such increase shall not exceed 50% of the Capital sum insured stated in the Schedule herein. This Clause shall not in any way alter the annual character of the Insurance nor the right of the Company to decline to renew or to cancel this Policy as herein after provided. The earned Cumulative Bonus will not be lost if the Policy is renewed within 90 days after its expiry.
This is an information Brochure only. For detailed terms and conditions, please click here or contact nearest office or read complete Personal Accident Policy. Grievance Redressal is through Company's in-house Mechanism or through IRDA or Ombudsman.

Oriental Insurance Company Limited