Claim Process for Personal Accident Policy
Posted by Deepak Mendiratta on 28 December 2020 01:24 PM
This write up highlights the process for filing a claim under Personal Accidental Insurance
Your coverage can be either under a group personal accident policy or an individual personal accident policy 

This article is for those who have had an accident and are looking at filing a claim to recover as damages under a personal accidental coverage. 

Attached herewith is the claim form & documents checklist for your reference. Please send all the claim documents as explained in the checklist. 
In case of Total Temporary Disability and Medical Expenses under Group Personal Accident policy cover claim (where ever Medex is available under the GPA Insurance Policy) the following documents are needed -
  1. Claim form
  2. Fitness Certificate from the Doctor, Investigation (X-rays / CT Scans / MRI's & Lab Reports etc.)
  3. Original bills and receipt of the hospital
  4. Employers Leave Certificate, Latest Salary Certificate with Grade / Designation, Employment Record (Date of Joining)
  5. For Accidental Death and Dismemberment claims, please note the documents that are required. 
Death Claims
  1. Claim form 
  2. Original Death Certificate
  3. Original/ Attested copy of Post Mortem, FIR, Panchanama, Police Inquest report. 
Dismemberment/ Disablement Claims
  1. Claim form
  2. Original Disability Certificate from the Doctor along with investigation/ Lab reports (x-ray etc) Admission/ discharge card, if hospitalised
  3. FIR, Police Inquest report, where applicable
This list is not exhaustive and the insurer may seek further documentation based on a particular case. We will be happy to help in case you need any more information

In case, you need any clarification, please feel free to write us
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