United India Insurance - Personal Accident Policy
United India Insurance Company is Government owned, public sector company, which was formed by merging 22 companies. The company has a presence in more than 200 cities and offers a large number of unique plans which may not available with other companies. UIIC is one of the first company to cater to rural masses and implement programs to create awareness of insurance products.
Toll Free line: 1800-209-1415
E-mail: grievance@uiic.co.in
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 of United India Insurance - Personal Accident Policy
Educational Fund: In the event of the death or permanent total disablement (PTD) of the Insured Person due to an accident as defined in the Policy, the Company shall pay the education fund for the dependent Children
Carriage of Dead Body: The policy also covers expenses incurred for carriage of dead body from place of accident to the residence
Accident Medical Expenses: Hospitalization expenses due to Accident resulting in claim for Death / Disablement
Cumulative Bonus - In the event there is no claim, the sum insured will be increased by 5% for each completed year, subject to max of 50% of C.S.I.
Eligibility Criteria for United India Insurance - Personal Accident Policy
| Category | Details | ||||
|---|---|---|---|---|---|
| Age Group | Min Entry Age: 5 Years Max Entry Age: 70 Years | ||||
| Renewal Age | Life Long Renewal | ||||
| Sum Insured | Maximum 72 months Gross Pay. | ||||
| Policy Tenure | 1 Year | ||||
| Family Definition | Individual & Family (Self, Spouse, Dependent Children, Dependant Parents) | ||||
Product Benefits of United India Insurance - Personal Accident Policy
| Benefits | Description | ||||||
|---|---|---|---|---|---|---|---|
| Death | 100 % of the Sum Insured | ||||||
| Permanent Total Disablement | 100 % of the Sum Insured | ||||||
| Loss of two limbs/ Two eyes or one limb and one eye | 100 % of the Sum Insured | ||||||
| Loss of one limb or one eye | 50 % of the Sum Insured | ||||||
| Permanent Partial Disablement | As per the limits specified in the table | ||||||
| Temporary Total Disablement | 1 % of SI; maximum Rs. 3000 per week for a maximum period of 100 weeks | ||||||
| Cumulative Bonus | In the event there is no claim, the sum insured will be increased by 5% for each completed year, subject to max of 50% of C.S.I. | ||||||
| Education Fund | For 1 dependent child - 10% of SI; Up to Rs. 5000 For more than 1 dependent child - 10% of SI; Up to Rs. 10000 |
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| Carriage of Dead Body | 2% of SI or Rs. 2500 whichever is less | ||||||
Add-ons for United India Insurance - Personal Accident Policy
| Add-ons | Details | ||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Medical Expenses | On payment of extra premium medical expenses incurred will be covered. | 25% of Claim or 10% of Sum Insured | |||||||||||||
Additional discounts for United India Insurance - Personal Accident Policy
Not Available
Exclusion in United India Insurance - Personal Accident Policy
- Suicide attempt there at VD criminal breach of law accidental death/injury under influence of liquor/drugs
- Pregnancy related claim
- War and nuclear perils
- Payment of compensation in respect of death, injury or disablement of insured: from intentional self-injury, suicide or attempted suicide
- whilst under the influence of intoxicating liquor or drugs
- whilst engaging in aviation or Ballooning, whilst mounting / dismounting from or traveling in any Balloon or aircraft other than as a passenger (fare-paying or otherwise) in any duly Licenced Standard type of aircraft anywhere in the world
- directly or indirectly caused by venereal disease or insanity
- arising or resulting from the insured committing any breach of the law with criminal intent, etc.
Claim Process for United India Insurance - Personal Accident 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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