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A policy equipped to give you and your family all the possible financial support in case of personal accident

Payment of compensation due to death or disablement arising out of

  • Suicide, attempted suicide etc.

  • Pregnancy and/or childbirth

  • War and nuclear perils

key attractions

Comprehensive Benefits

Reimbursement of Medical expenses, Hassle free Documentation, Worldwide coverage

Education fund for children

This Policy also pays for education fund of two children in case of death of the policyholder

5% increase in sum insured*

Applicable for each completed claim free year of insurance subject to max of 50%

Policy Details

  • Min. Entry Age: 18 years

  • Policy Tenure : 1 year

  • Premium: Your health insurance premium is calculated on following parameters

    • Cover opted( Individual)

    • Sum Insured Selected

    • Age of senior most member


  • Accidental Death - 100 per cent of the sum insured on accidental death of the insured person

  • Permanent Total Disability-

    • 100 per cent payment of sum insured on permanent total disablement

    • 100 per cent payment of sum insured in the event of loss of two limbs/ two eyes or one limb and one eye

    • 50 per cent payment of sum insured in the event of loss of one limb or one eye

  • Permanent Partial Disability - Specified percentage of the sum insured will be paid in case of permanent partial disability

  • Medical Expenses Extension

    • Cover medical expenses on the payment of extra premium.

    • Get benefit up to 40 per cent of the compensation paid in settlement of a valid claim under the policy or 20 per cent of the relevant sum insured or actuals, whichever is less.

Seamless Claim Process:

  • Step 1: Intimate the claim details on toll free no 1800-3009

  • Step 2: Submit all the original documents and bills to RCare

  • Step 3: Complete set of documents received at RCare

  • Step 4: RCare adjudicates the case as approval/repudiate or seeks additional details

  • Step 5: If Claim is approved, payment will be made by NEFT

Key Exclusions

  • Compensation under more than one clause for same period of disability

  • Any claim in the same period of insurance exceeding the capital sum insured

  • HIV / AIDS / or death due to any disease

  • Natural death

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Documents Required

  • Commission Disclosure
  • Personal Accident Insurance - Leaflet
  • Personal Accident Insurance - Standard Disclaimer