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Reliance Personal Accident 360Shield is a type of an accidental insurance cover that provides financial compensation if you suffer bodily harm, disablement or even death from dangers like road accidents, adventure sports injuries, etc. What sets this policy apart is the all-round coverage you get, not just for your basic covers like Accidental Death, Permanent Total Disablement and Permanent Partial Disablement but also for accidental hospitalisation, burns, coma, trauma counselling, overseas travel cover in case of accidental death, Permanent Total Disablement and more. This personal accident insurance policy offers 360-degree protection not just in India but around the world too. That's right, we also offer worldwide coverage to protect you anywhere in the world. With Reliance Personal Accident 360Shield, you get a choice of a variety of plans with comprehensive base covers and customisable optional covers. So don’t wait anymore and get your personal accident cover today.
Our personal accident insurance policy has four plans ShieldPro, ShieldPlus, ShieldMax and ShieldPrime with a Sum Insured starting at Rs.5 Lakhs and going up to Rs.25 Crores. Additionally, you have several optional covers that can enhance your protection. Some of these optional covers include Accidental Hospitalisation cover, Accidental OPD cover, compensation for coma, miscarriage and more.Given below are details of both the base covers and optional covers available under the policy.
These are the basic covers you get when you buy our personal accident cover. Your base cover is a combination of Accidental Death + Permanent Total Disablement + Permanent Partial Disablement + Repatriation of Mortal Remains and Funeral Expenses. Check the table below for more details.
Covers any unnatural death resulting solely from an accident. Could be a fall, crash, drowning, machinery-related incident etc.
Provides compensation to the beneficiary if the insured person's body remains remain undiscovered following an accident
A predetermined sum is paid if the insured person's death occurs due to an accident while commuting, boarding or dismounting from a common carrier, such as a public train, bus, a private vehicle, etc.
If the Insured loses or damages an organ or any part of their body permanently due to an accident leading to total disability, e.g., loss of vision or both limbs, making them incapable of working, a lumpsum amount is paid as compensation.
Lumpsum amount is paid in case of Loss of use or function of any part of the body resulting from an accident where the Insured is able to perform tasks partially & not to their full capacity. e.g.: Loss of one ear, Loss of four fingers and thumb of one hand etc.
Transportation of mortal remains of the Insured from the place of death to a cremation or burial ground or to the residence of the Insured Person is covered
These are mandatory covers that are included apart from the base covers. The compulsory covers vary between each plan, i.e. ShieldPro, ShieldPlus, ShieldMax, ShieldPrime. Please refer to the policy wordings, brochure and prospectus to know more.
A lumpsum benefit is provided in case more than one Insured Person suffers from accidental injuries in the same incident which leads to AD, PTD or PPD
If the Insured Person suffers from AD, PTD or PPD due to an accident a Lumpsum amount is provided to the dependent parents as financial support.
A Lumpsum amount towards the Dependent Childs’ education is provided in case the Insured suffers from AD, PTD or PPD due to an accident
Outstanding loan amount is covered against the loans taken by the Insured within India in case of AD, PTD, or PPD due to an accident. Loans include Home Loan, Vehicle Loan, Education Loan (self or dependent child).
In case the insured suffers from TTD or PPD (of specified severity) due to an accident, the outstanding EMIs for one or more loans is covered as specified in the policy schedule.
Covers the loss incurred if the insured person's personal equipment is damaged or lost due to theft following an accident at the location.
Compensation is provided for unauthorised transactions made with the insured card if it's stolen at the accident location.
Lumpsum compensation is provided to the insured in case they are hospitalised for a minimum of 7 continuous and consecutive days due to Accidental Injury.
If the need arises, this covers expenses for modifying the home or vehicle of the insured due to an accident
Covers the expenses incurred towards restoring bodily function following a major injury due to an accident resulting in PTD, PPD, head injury (as opted) or spine injury (as opted).E.g. physical, occupational and/or speech therapy are covered.
Covers expenses incurred towards counselling sessions for psychological upliftment due to trauma caused by an Accidental Death to family survivors.
Covers expenses incurred towards rent or purchase of listed medical equipments like wheelchairs, crutches, artificial limbs and more in case of PTD and PPD.
Covers expenses incurred towards reconstructing or restoring the natural functions of the body which were affected due to PTD or PPD or Burns (if opted) or Paralysis as a result of an accident.
Covers expenses incurred for Educational Counselling for children whose parent(s) succumbs to an Accidental Death. This service is available for children between 13 to 25 years and for a maximum of 2 children
Covers the expenses for the services of a financial expert which can be opted for by the Insured Person’s family member in case the policyholder suffers an Accidental Death
In case of Accidental Death, expenses for lawyers are covered to help the Insured Person’s family members with transfer of change of documents. In case of Permanent Total Disablement, expenses for lawyers are covered to help the Insured Person’s family member get assistance on arranging for a Disability Certificate
In case of Permanent Total Disablement, Permanent Partial Disablement or Burns, all possible and practical assistance is provided to the Insured Person for arranging emergency travel
In case of Permanent Total Disablement, Permanent Partial Disablement, Burns or Coma, the Insured Person can opt to go for a second medical opinion if he or she so desires.
This provides assistance to find a personal driver in case the Insured Person needs a one to be driven around after an accident. However, the driver’s expenses have to be borne by the Insured Person.
These are valuable add-ons that can enhance your personal accident cover. Some optional covers are available in bundles while some covers have individual options that can be selected. Please refer to the policy wordings, brochure and prospectus to know more.
A weekly allowance is provided to the insured against an illness or injury caused for a short period of time as a result of an accident, due to which the insured is incapable of performing necessary duties pertaining to employment or occupation.
A fixed daily allowance is paid to the policyholder to cover miscellaneous/day-to-day expenses during the period of hospitalisation caused due to an accident.
Medical expenses incurred during treatments due to an accident that does not require the insured to stay overnight in a hospital are covered.
Incase the insured suffers from an accidental injury caused due to an adventure sport like Bungee Jumping, Scuba Diving, Trekking under the supervision of a trained professional the cost for such accidental expenses is covered.
An increase in base sum insured is provided as a reward to the policyholder in case of a claim-free year.
Any expenses incurred by the insured during hospitalisation due to an accident are covered. Includes inpatient care, day care procedures, diagnostic tests, ambulance charges, etc.
An additional Accidental Hospitalisation Limit is provided to the Insured as an incentive for every claim-free year.
Accidental hospitalisation limit is restored unlimited times in the same policy year in case it is exhausted due to a claim.
A fixed amount is indemnified to the insured's companion towards expenses incurred like transportation, hotel stay etc. in case the insured is hospitalised due to an accident.
Compensation is provided if the insured individual undergoes physiotherapy within 60 days of discharge following an accident-related hospitalisation.
Costs incurred towards the procedure of testing, compatibility check and transfusion of blood in case of an accident is covered.
The cost of importing medicines for the insured person's medical/surgical treatment due to an accident is covered.
If the insured receives medical care at home due to an accident as prescribed by a medical practitioner the costs incurred for arrangements pertaining to the same are covered
Lumpsum amount is paid according to defined limits in case the insured sustains second or third degree burns arising due to an accident.
A fixed amount is paid to the insured in case of Injuries resulting from broken bones or fractures due to an accident.
Compensation is given to the insured if he/she slips into a state of coma during hospitalisation due to an accident.
A lumpsum benefit is provided to the insured in case the insured suffers from a head or spinal injury resulting from an accident & requires neurosurgery.
A fixed amount is paid to the insured in case of a miscarriage resulting from an accident.
Covers the cost of evacuation if the insured is in a critical condition and needs to be shifted from the place of accident to the nearest hospital or from one hospital to another.
In the event of an Accidental Death or Permanent Total Disablement of the Insured Person while traveling outside India, an additional sum insured is granted to the Policyholder or beneficiary as specified in the policy.
If the insured is hospitalised due to an accident, round trip tickets for the companion or family member from India to the place of the Accident up to an amount specified in the Policy Schedule is indemnified in case of AD, PTD or PPD provided that no adult travelling companion is present at the place of accident.
Covers travel and accommodation expenses incurred by both the Insured Person or traveling companion in case the insured faces Accidental death, permanent total disability, permanent partial disability or hospitalisation due to an accidental injury.
Covers expenses for both the insured and their companion for cancelling pre-booked events due to accidental hospitalisation, accidental death, PPD, or PTD.
Covers the costs incurred towards the hotel or booking alternative accommodation for the insured or travelling companion if the insured or travelling companion suffers from AD, PTD, PPD or accidental hospitalisation and is unable to travel back to the city of residence in India.
Note: For a full understanding of plans, optional and bundle covers, please read the policy wordings, brochure and prospectus.
Having personal accident insurance is a boon in times of unexpected mishaps like accidents and injuries. Not only that, buying Reliance Personal Accident 360Shield has its own set of benefits that will protect you and your loved ones. Given below is a list of reasons to get a personal accident cover from Reliance:
In case of an untoward incident that results in accidental death, or permanent or partial disablement, the personal accident insurance gives a lump sum amount to you or your legal heir. This ensures that you and your family are financially covered even if there's a loss of income or the loss of the life of the sole-earning family member. Compensation is provided even if multiple family members suffer disablement or death. Additionally, dependent parents will be taken care of financially in case you're unable to look after them because of disablement or death.
An accidental death or a disablement can result in loss of income because the sole-earning member of the family is either disabled by an accident or loses his or her life. In such cases, your ability to manage regular expenses and repay loans, etc. will be affected. But with a personal accident cover like Reliance Personal Accident 360Shield, you have the option to cover expenses like home loans, vehicle loans, education loans, etc.
Imagine being in some other part of the world for a family vacation or a work-related trip and you meet with an accident that results in a severe disablement like the loss of your hands or eyes. In that scenario, will you get any financial protection at all from anyone? Yes, with Reliance Personal Accident 360Shield, you get covered globally for such incidents with worldwide coverages. Also, there are optional travel covers you can opt for in our personal accident insurance plan that will boost your protection.
It’s good to have two insurance policies working in tandem to protect you, namely, personal accident insurance and health insurance. With both these plans, you can rest assured that almost all the potential risks like accidental death, disablement, medical emergencies, etc. are covered. And with all the additional benefits that Reliance Personal Accident 360Shield affords, you have a vast protective cover around you at all times.
Given below is a list of all that’s not covered in our personal accident insurance policy:
Note: For a full list of exclusions please read the policy wordings, brochure and prospectus.
Buying a Reliance Personal Accident 360Shield policy online can be easily done by following these simple steps:
Once you’re on the website, head to the Reliance Personal Accident 360Shield page. Enter your details like name, mobile number and pincode.
Select your Sum Insured, plan, base covers and optional covers
Review your policy and proceed to pay using your preferred payment method. Once you’ve paid, you’ll get your personal accident insurance policy copy sent to you immediately.
Inform Reliance General Insurance about the incident, logging on to the Reliance Self-i App or visiting our website or calling us on (022) 48903009 (Paid Number)
Intimate the claim within 30 days from the date of loss and submit all the relevant documents related to your claim within 15 days. The claims team will start processing it immediately
Once your documents are verified and approved, the claims team will reimburse your claim
For more details on the claim process, please read the policy wordings.
Personal accident insurance is a type of insurance that provides compensation to you or your legal heir in case you fall prey to disablement or even death due to an accident. Accidents could be in the form of road accidents, airplane disasters, sailing on the sea, etc.
With Reliance Personal Accident 360Shield you can customise your policy to protect various risks in your life. For example, you can customise the policy to cover hospitalisation or OPD visits due to an accident, cover your overseas travel, get your loans and EMIs paid off for a limited time, take care of your parents if you lose your income due to an accident and more.
Personal accident insurance financially covers you or your family in case the insured is disabled or dies due to an accident. The insured could be you or your dependants. The kind of disability from an accident could either be partial or total. For example, disablement could be loss of both eyes or one eye, loss of all limbs or any one limb, loss of hearing in one or both ears, etc.
Personal Accident insurance covers you for accident-related perils that lead to hospitalisation. Health insurance covers you for a variety of other medical emergencies including accident-related ones.
Any address outside the insured’s city of residence will be considered for Repatriation. The benefit covers transportation from the place of death to the burial or cremation ground, or to the insured's residence.
No, the Loan Protect option can only be added at the time of renewal.
No, non-earning members cannot take individual policies and can only be covered with an earning member.
Yes, provided the loans are taken within India from entities regulated by the RBI. The maximum amount payable is limited to the base SI or the outstanding principal loan amount, whichever is lower.
After PTD, the customer cannot renew the policy. If the PPD claim results in 50% disability, the customer cannot renew the policy.
No, reinstatement is allowed on partial utilisation as well.
Yes, a single private air-conditioned room.
50% and above is considered “Specified Severity.”
Homicidal incidents can be considered as accidents, subject to no possibility of suicide (self-inflicted injury).
Yes, housewives can be covered if the proposer is an income holder. The housewife will get 50% of the base SI.
The payment will be drawn in the name of the financier.
The base covers include Accidental Death (including disappearance and common carrier), Permanent Total Disablement, Permanent Partial Disablement, Repatriation of Mortal Remains, and Funeral Expenses.
Non-earning members are eligible for up to 50% of the earning member’s SI.
No, you cannot get the Loan Protector benefit if you already have insurance for that loan.
For example, if the loan amount is ₹10,00,000, the maximum limit is 2% of ₹10,00,000, which is ₹20,000 per month. The insured will receive either ₹20,000 or the outstanding EMI amount, whichever is lower, for a maximum of 3 months.
Step 1: The renewal notice will indicate the waiver.
Step 2: The claimant should inform the company if the waiver is not mentioned.
Mosquito bites are not covered. Covered animal bites include snake bites, scorpion bites, and injuries from poisonous animals, reptiles, or insects.
Yes, disability arising from an injury-related infection is covered.
Yes, home visits are allowed. Claims under this benefit are payable on a cashless basis from Reliance General Insurance network providers, with a 20% co-pay if services are taken from non-network providers.
Yes if the customer has opted for worldwide cover.
No, this cover is only available in India.
They are part of the Sum Insured.
The insured person’s family member, relative, or friend who accompanies them during hospitalisation.
Yes, they will be eligible for the benefits.
Partial cancellation of a benefit is not possible.
The customer should inform us about the change at the nearest renewal. For multi-year policies, the insured should inform us immediately so the adjustment can be made for the remaining period.
For a TTD claim, proof of gainful income must be provided at the time of the claim. The change in income will not affect the eligibility for the claim. Required documents include:
The higher claim amount will be payable.
No, the coverage will cease in case of an AD or PTD claim.
No, the benefit will not be given.
Yes, the claim cannot be repudiated based on these grounds.
No, it is not required.
The amount will be settled to the nominee or legal heir.
The beneficiary will receive ₹1 Crore.
Disclaimers: 1. The total liability of the Company to make payment toward claims arising from one or more of the insured events described in Accidental Death (AD), Permanent Total Disablement (PTD) and Permanent Partial Disablement (PPD) is limited to the Base Sum Insured + Cumulative Bonus, except as agreed under Permanent Total Disablement (PTD) where an additional 100% of the Sum Insured shall be paid under the claim. 2. In case claims for any one Accident fall under more than one of the following: Accidental Death (AD), Permanent Total Disablement (PTD), Permanent Partial Disablement (PPD) and Temporary Total Disablement (TTD); the higher of the claims shall be payable. 3. Accidental Hospitalisation, Cumulative Bonus for Accidental Hospitalisation and Unlimited Reinstatement of Accidental Hospitalisation Limit shall be opted together. These covers shall not be available separately. 4. Broken Bones/Fracture shall not be available for entry age >=65 years. 5. The insurance coverage for the Insured Person shall cease once the Company accepts a claim under Section Accidental Death (AD) or Permanent Total Disablement (PTD) cover. *T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording carefully before concluding a sale. Details mentioned above are for Reliance Personal Accident 360Shield, UIN: IRDAN103RP0004V02202425.
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