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Hello! Friends, by the time you read this description, there will be 74 road accidents in India and 18 people will have died due to accidents and 27 people will have been hospitalized. Now, there is life insurance for the one who has died and health insurance for the one who has been hospitalized, but after treatment, if a person is unable to go to work for a long time or ever, then who will pay for his household expenses / children's education / loan EMI etc.? In such a situation, neither the health insurance policy nor the life insurance policy will be of any use to him. To deal with such a situation, every person must have an accident insurance policy. In India, "Reliance General Insurance Company" is the only option whose accident insurance policy has all those covers which stand in front as a big problem after an accident. Any person between the age of 18 and 80 years can easily purchase this insurance policy of Reliance for himself or his family and can get a big insurance cover of 5 lakhs to 25 crores for himself. There are 4 options available in this insurance policy (Shield Pro, Shield Plus, Shield Max & Shield Prime). You can choose any one option as per your requirement. After thoroughly studying this great insurance policy of Reliance General Insurance Company, we have chosen to give all our colleagues an insurance policy of 10 lakh rupees with Shield Max option. This policy of 10 lakh rupees is easily available at an expense of approximately 10/12 rupees per day, which includes the cost of reaching the hospital from the incident spot, the cost of hospitalization and the cost of several weeks or months after returning home from the hospital. Apart from this, even if the insured person is not admitted to the hospital after the accident, the company still pays up to Rs 10,000 for OPD and pays it every time during the policy period. Many such features are making Reliance's accident insurance policy amazing. Let us briefly understand this policy through a table.
| Features | Benefits |
|---|---|
| Age Limit | 18 yrs - 80 yrs |
| Sum Insured | 10,00,000/- |
| Accidental Death | 10,00,000/- |
| Permanent Total Disablement | 20,00,000/- |
| Permanent Partial Disablement | A fixed amount of S.I. is payable according to the loss % of the body |
| Repatriation Of Mortal Remains & Funeral Expenses | A fixed amount of 1% of S.I. (i.e. 10,000/-) is payable |
| Temporary Total Disablement | Allowance of 20,000/- per week up to 104 weeks |
| Daily Hospital Cash Benefit | Daily (500/- to 5000/-) is payable maximum up to 60 days |
| Accidental OPD Limit | Allowance up to 10,000/- is payable on each & every claim |
| Accidental Hospitalization | 2,00,000/- |
| Cumulative Bonus For Accidental Hospitalization | 10% of accidental hospitalization limit |
| Unlimited Reinstatement Of Accidental Hospitalization Limit | Up to 100% of limit, unlimited times |
| Companion Cover | 15,000/- (transportation & hotel stay) |
| Post-Hospitalization Physiotherapy | 2000/- per visit for max. 15 sessions within 60 days |
| Blood Transfusion Expenses | Within accidental hospitalization limit |
| Transportation Of Imported Medicines | Within accidental hospitalization limit |
| Domiciliary Care | Within accidental hospitalization limit |
| Burns | Up to 1,00,000/- is payable |
| Broken Bone / Fracture | Up to 1,00,000/- is payable |
| Coma | Allowance of 10,000/- per week max. 104 weeks |
| Head OR Spine Injury | Allowance of 20,000/- is payable |
| Miscarriage | Up to 1,00,000/- is payable |
| Emergency Evacuation (Air ambulance) | Up to 1,00,000/- is payable |
| Convalescence | Extra hospitalization benefit of 25,000/- after 7 days |
| Modification Of Home & Vehicle | An amount of 1,00,000/- is payable |
| Rehabilitation | An amount of 1,00,000/- is payable |
| Trauma Counselling | Allowance of 5,000/- per session (up to 6 sessions) |
| Medical Equipment | Allowance up to 1,00,000/- is payable |
| Reconstructive Surgery | Up to 2,00,000/- is payable |
Today, in the country, so many people are losing their lives every day due to some accident or the other and a very large number of people are getting admitted to hospitals. Although the loss of a person cannot be compensated, but the financial crisis that falls on the family in the absence or if that person is affected can be reduced. Keeping this in mind, the importance of accident insurance has increased a lot in a person's life today. Accident insurance is the best option to deal with the financial crisis that comes on the person or family affected by accidents, where by paying a small premium, one gets a risk cover of lakhs of rupees and the affected person or family does not need to raise money. So buy the fully featured accident insurance policy from Reliance General Insurance Company and live a worry-free life.