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Reliance Personal Accident


This policy can be bought online and aims to cover against accidental death and disability.

Suited for

This policy can be bought as an individual policy. Policyholder may also include his spouse and up to two children.

What does it do?

This is a standalone personal accident policy which pays a lump sum amount in the event of accidental death or disablement. For an individual policy, the insurer will pay entire of sum assured to the family members in case of unfortunate demise; whereas, the disability benefit varies depending on nature of disablement.
If bought as a family cover, policy will cover spouse for up to 50 per cent of sum insured (if not earning) and entire sum insured if spouse is earning. Children are covered for up to 25 per cent of the basic sum insured. This policy also pays an education fund for continuation of deceased's children’s education. Apart from the above benefits, policyholder can also get a cover for medical expenses incurred due to an accident by paying additional premium.


It provides financial assistance for continuation of deceased policyholder's children’s education.
This policy can be bought online as well.

Our View

This is a standalone individual personal accident cover and can be bought if you wish to get an additional cover against accidental uncertainties. It offers a wide accidental coverage.

Entry Age (years) 
Coverage TypeIndividual/ Family on an individual basis
Sum Insured (Rs) 
Maximum10 lakh
Minimum5 lakh
Policy Term (years)1
No Claim Bonus5% no claim bonus for every claim free renewal till it reaches 50% of initial sum insured
Grace Period for Policy Renewal30 days
Policy TerminationEither of the parties may terminate this policy by giving a prior notice. The insurer would pay proportionate premiums if no claim has been made.
Customer Service 
AddressReliance General Insurance Company Ltd., Regd Office: Reliance Centre, 19, Walchand Hirachand Marg, Ballard Estate, Mumbai 400001
Mail to[email protected]
Call to1800 3002 8282(toll free) ; 022 3989 8282(charges apply)
SMSType 'protect' and send it to 55454
Network HospitalsHttp://www.reliancegeneral.co.in/insurance/cashless-hospitals.aspx
Additions to the Plan
Scope Of Cover
Death benefit100% of sum insured is payable
Permanent total disability100% in case of loss of two limbs; 100% of sum insured in case of loss of two eyes or one limb and 50% in case of loss of one limb or one eye
Permanent Partial DisabilityVaries from 1% to 75% of CSI as per policy
Temporary Total Disabilitypays 1% of sum insured per week as per policy conditions
Additional benefit
Medical expenses(requires extra premium)reimburses actual accidental medical expenses upto 40% of compensation paid of 20% of basic sum insured whichever is lower
Education fundpays an amount equal to 10% of capital sum insured upto Rs 5000 per child for maximum two children upon death of insured member
Transportation of dead body pays upto Rs 2500 for carrying dead body to residence
Exclusions and Waiting Period
General ExclusionsPregnancy related claims will not be entertainedWar and nuclear perils related claims
Annual Premium* per Rs 1000 Sum Insured
Risk Class**
Death + PTD0.70.91.3
Death + PTD + PDD11.251.75
Death + PTD + PPD + TTD1.523
*Premiums rates chargeable to persons between age of 5 years to 70 years. For persons beyond 70 years of age, a small additional premium is charged. Premium rates are exclusive of service tax
** Risk Class depends on the occupation that the prospect is involved into. Different risk classes include the following:
Risk Class I: Persons engaged in administrative, managerial and similar functions like Bankers, Teacher etc.
Risk Class II: Builders, Contractors & engineers engaged in superintending functions only, paid drivers of light motor vehicle, cash carrying employees, garage & motor mechanic, machine operators and persons engaged in occupations of similar hazards.
Risk Class III: Persons engaged in hazardous occupations like working in underground mines, explosives, magazines, electrical installation with high tension supply and those engaged in occupations/ activities of similar hazard