Reliance Personal Accident Insurance

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Reliance Personal Accident Policy is one of the key security measures to undertake for providing financial security in case of an accident. It ensures that your family does not suffer in event of an accident by providing compensation for accidental death or disablement.

Key Highlights

  • Maximum coverage with minimal paper work.
  • Wide choice from Plan Variants.
  • Simple and easy Claim process.
  • Provides compensation to the family in case of accidental death and disablement.

What is covered?

Table What Is Covered? Compensation Payable
1 Death 100% of Capital Sum Insured (CSI)
2 Permanent Total Disablement Loss of Two limbs / Two eyes or one limb
and one eye Loss or one limb or one eye
100% of CSI
100% of CSI
50% of CSI
3 Permanent Partial Disablement Varies from 1% to 75% of CSI as per policy

Accidental Death

  1. Accidental Injury being the sole and direct cause, resulting in Death or Disability within 12 months of the accident, the compensation under the policy.
  2. In case of Death, Nominee will be paid the capital sum insured incase of accidental death.

Disability benefit

a) Permanent Total Disablement: A condition resulting into any one of the following due to an accident within 12 months of the date accident.
  • Total incapacity to perform any employment or occupation of any nature (without any loss of limbs) — (100%)
  • Loss of sight of both eyes or actual loss of two entire hands or feet, or one foot and one hand -(100%)
  • Loss of sight of one eye, or one hand or one foot by physical separation (50% of Sum Insured is payable)
  • Loss of Use of one hand or leg without physical separation (50% of Sum Insured is Payable)

b) Permanent Partial Disablement: In case of a partial disability due to an accident, a specified percentage of the sum insured will be paid. To know the specific percentage of the sum assured that will be paid please go through the below table:

Type of loss % of Capital (in Sum Insured)
Loss of toes-all 20%
Loss of toes great-both 5%
Loss of toes great-one Phalanx 2%
Loss of toes other than great if 1%
Loss of hearing-both ears 75%
Loss of hearing-one ear 30%
Loss of four fingers and thumb of one hand 40%
Loss of four fingers 35%
Loss of thumb-both phalanges 25%
Loss of thumb-one phalanges 10%
Loss of index fingers-anyone or three phalanges 6%
Loss of ring finger - anyone or three phalanges 5%
Loss of middle finger - anyone or three phalanges 4%
Loss of metacarpals-first or second (additional) or 3rd, 4th or 5th (additional) 3%
Any other permanent partial disablement % as assessed by Panel Doctor

Value Added Benefits

Transportation of dead body
  • Two per cent of the capital insured will be paid for transportation for accidental death happening outside of the residence. ( Subject to maximum of Rs 2,500)
Education Grant
  • 10 per cent of the sum insured, will be paid for one dependent child below the age of 25 years. (Subject to maximum of Rs 5,000)
  • 10 per cent of the sum insured, will be paid for two dependent children below the age of 25 years. (Subject to maximum of Rs 10,000)

What are the Exclusions Applicable to Personal Accident Insurance?

Death, injury or disablement of insured person caused due to following events is commonly excluded from the cover:
  • Compensation under more than one clause for same period of disability.
  • Any payment after admission of a claim for 50% / 100% of Capital Sum Insured.
  • Any claim in the same period of insurance exceeding the Capital Sum Insured.
  • Suicide, attempted suicide, self injuries, HIV / AIDs / VD, breach of law, influence of liquor / drugs.
  • War and nuclear perils.
  • Riots, Crimes, Misdemeanors and Felonie


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