National Hero Accident Suraksha Policy
National Insurance is a state owned insurance company in India. It is one of the oldest Insurance Company functioning in India and offers widest range of Insurance products. Besides India, the company also operates in Nepal.
Toll Free line: 1800-200-7710/1800-120-1430
National Hero Accident Suraksha Policy
This policy offers compensation in case of death or bodily injury to the insured person, directly and solely as a result of an accident, by external, visible and violent means.
Unique Features - National Hero Accident Suraksha Policy
Permanent Total: It provides for payment of compensation for bodily injury caused by accidental, violent, external and visible means resulting in Permanent Total Disablement resulting from an accident.
Outpatient Treatment: The Company shall reimburse the insured the expenses incurred for outpatient treatment, subject to maximum of INR 5,000 per policy period, within the limit of SI.
Domiciliary Hospitalisation: The Company shall reimburse the insured the medical expenses incurred under domiciliary hospitalisation, subject to 20% of SI within the limit of SI
Expenses for Transportation of Dead Body: In the event of death of the insured due to an accident outside his/her residence, the Company shall pay expenses incurred for transportation of dead body to the place of residence
Education Fund: In the event of AD or PTD, the company shall pay a lump sum compensation towards childs education.
Ambulance Charges: Charges paid for transportation to the hospital by an ambulance will be paid.
Eligibility Criteria - National Hero Accident Suraksha Policy
| Category | Details | |||||
|---|---|---|---|---|---|---|
| Age Group | Min Entry Age: 18 Years Max Entry Age: 65 Years | |||||
| Renewal Age | Life Long Renewal | |||||
| Policy Tenure | 1 Year | |||||
| Family Definition | Individual and Family- Self, Spouse and Dependent Children | |||||
Product Benefits - National Hero Accident Suraksha Policy
| Plan I | Plan II | Plan III | Plan IV | Plan V | |||||
|---|---|---|---|---|---|---|---|---|---|
| Section I - Personal Accident | |||||||||
| Capital Sum Insured (CSI) | Rs. 150000 | Rs. 200000 | Rs. 250000 | Rs. 300000 | Rs. 400000 | ||||
| Death | 100% of CSI | 100% of CSI | 100% of CSI | 100% of CSI | 100% of CSI | ||||
| Loss by Physical Separation or Loss of Use of 2 limbs or 2 eyes or 1 limb and 1 eye | 100% of CSI | 100% of CSI | 100% of CSI | 100% of CSI | 100% of CSI | ||||
| Loss by Physical Separation or Loss of Use of 1 limb or 1 eye |
50% of CSI | 50% of CSI | 50% of CSI | 50% of CSI | 50% of CSI | ||||
| Permanent Total Disablement | 100% of CSI | 100% of CSI | 100% of CSI | 100% of CSI | 100% of CSI | ||||
| Permanent Partial Disablement | Percentage of the CSI depending on the disability | ||||||||
| Temporary Total Disablement | NA | NA | 1% of CSI per week, up to 100 weeks | 1% of CSI per week, up to 100 weeks | 1% of CSI per week, up to 100 weeks | ||||
| Section II - Accidental Medical Expense | |||||||||
| Sum Insured (SI) over and above CSI | Rs. 100000 | Rs. 100000 | Rs. 100000 | Rs. 100000 | Rs. 100000 | ||||
| Inpatient Treatment | Up to Sum Insured | ||||||||
| Domiciliary Hospitalisation | Maximum 20% of Sum Insured | ||||||||
| Outpatient Treatment | Maximum Rs. 5000 | ||||||||
| Ambulance Charges | Maximum Rs. 1000 per policy period. | ||||||||
| Section III - Additional Benefit | Over and above C.S.I. and S.I. | ||||||||
| Expenses for Transportation of Dead Body |
Maximum Rs. 1000/- | ||||||||
| Education Fund | • One dependent child (Upto 25yrs) - 10% of the CSI subject to a maximum Rs. 5000 • More than one dependent child (Upto 25yrs) - 10% of the CSI subject to a maximum Rs. 10000 |
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Add-ons - National Hero Accident Suraksha Policy
Not Available
Additional Discounts - National Hero Accident Suraksha Policy
Not Available
Exclusion - National Hero Accident Suraksha Policy
Accidental Bodily Injury that you meet with or arises out of:
- Intentional acts
- Injuries from Civil or Foreign Wars
- Accidents resulting due to Alcohol/Drug influence
- Accidents while riding a two-wheeler of more than 150 cc
- AIDS / HIV
- Injuries during active involvement in violent public disorder /labour disturbance
- Injured on duty with military/police force or a paramilitary organization
- Injuries resulting from participation in unsafe sports, etc.
Claim Process - National Hero Accident Suraksha Policy
In case you would like to know about the Claim Process or would like to register a Claim please click the link below
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