{"uin":"IRDAN113RP0056V01201819","name":"Compulsory Personal Accident Cover","url":"https://indiainsurances.com/policy/bajaj-general-insurance/compulsory-personal-accident-cover-irdan113rp0056v01201819","insurer":{"slug":"bajaj-general-insurance","name":"Bajaj General Insurance Limited","url":"https://indiainsurances.com/insurer/bajaj-general-insurance"},"line":"general","category":"personal-accident","category_name":"Personal accident","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This is a compulsory personal accident cover for the owner-driver under motor insurance policies, covering death and specified permanent disablement in direct connection with the insured vehicle. The aggregate liability is Rs. 15 lakhs during any one period of insurance, and claim intimation must be in writing immediately and within 30 days from the accident.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:49:41.859118+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording defines the policy period by the start and end dates shown in the schedule, but does not state a fixed policy term.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Inform the insurer in writing immediately and in any event within 30 days from the date of the accident. Documents must be submitted within 30 days from intimation; for death claims, nominee/legal heirs must inform immediately and send the post mortem report, if conducted, within 30 days.","display":"Immediately and in any event within 30 days from the accident","note":"Waiver of the 30-day notice/death notice conditions may be considered in extreme hardship if timely notice or filing was not possible.","quote":"Inform Us in writing immediately and in any event within 30 days from the date of the accident and submit all documents to Us within 30 days from the date of intimation. ... In case of the Insured’s death, Nominee/Legal Heirs of Insured claiming on his/her behalf must inform Us in writing immediately and send Us a copy of the post mortem report (if conducted) within 30 days.\n*Note: Waiver of conditions (a) and (d) may be considered in extreme cases of hardship where it is proved to Our satisfaction that under the circumstances in which the Insured was placed, it was not possible for the Insured or any other person claiming on his/her behalf to give notice or file claim within the prescribed time limit.","sources":[{"clause":"6(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/compulsory-personal-accident-cover-irdan113rp0056v01201819/document/3012#c-6-a-2"},{"clause":"6(d)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/compulsory-personal-accident-cover-irdan113rp0056v01201819/document/3012#c-6-d"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Death: Duly Completed Claim Form signed by Nominee/ legal heir of the Insured","Death: Copy of address proof","Death: Attested copy of Death Certificate","Death: Burial Certificate (wherever applicable)","Death: Attested copy of FIR / Panchanama / Inquest Panchanama","Death: Attested copy of Post Mortem Report (only if conducted)","Death: Attested copy of Viscera report if any(Only if Post Mortem is conducted)","Death: NEFT details & cancelled cheque of the Insured","Death: Original Policy copy along with Original Assignment endorsement (if any)","Permanent Total Disability and Permanent Partial Disability: Duly Completed Claim Form signed by Insured","Permanent Total Disability and Permanent Partial Disability: Attested copy of disability certificate","Permanent Total Disability and Permanent Partial Disability: Attested copy of FIR","Permanent Total Disability and Permanent Partial Disability: All X-Ray / Investigation reports and films supporting to disability","Permanent Total Disability and Permanent Partial Disability: NEFT details & cancelled cheque of Insured","Permanent Total Disability and Permanent Partial Disability: Original Policy copy along with Original Assignment endorsement (if any)"],"display":"Listed documents for death, permanent total disability and permanent partial disability claims","note":null,"quote":"List of Claim documents for Death\n• Duly Completed Claim Form signed by Nominee/ legal heir of the Insured.\n• Copy of address proof\n• Attested copy of Death Certificate.\n• Burial Certificate (wherever applicable).\n• Attested copy of FIR / Panchanama / Inquest Panchanama.\n• Attested copy of Post Mortem Report (only if conducted).\n• Attested copy of Viscera report if any(Only if Post Mortem is conducted).\n• NEFT details & cancelled cheque of the Insured.\n• Original Policy copy along with Original Assignment endorsement (if any).\nList of Claim documents for Permanent Total Disability and Permanent Partial Disability\n• Duly Completed Claim Form signed by Insured.\n• Attested copy of disability certificate\n• Attested copy of FIR.\n• All X-Ray / Investigation reports and films supporting to disability.\n• NEFT details & cancelled cheque of Insured.\n• Original Policy copy along with Original Assignment endorsement (if any).","sources":[{"clause":null,"heading":"List of Claim documents for Death","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/compulsory-personal-accident-cover-irdan113rp0056v01201819/document/3012#c-list-of-claim-documents-for-death"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"On receipt of all documents and satisfaction about admissibility, the insurer shall offer settlement within 30 days. Payment is made within 7 days from acceptance of the settlement offer, with delayed payment interest at 2% above the bank rate prevalent at the beginning of the financial year in which the claim is reviewed.","display":"Settlement offer within 30 days of all documents; payment within 7 days of acceptance","note":null,"quote":"On receipt of all the documents and on being satisfied with regard to the admissibility of the claim as per policy terms and conditions, We shall offer within a period of 30 days settlement of the claim to the Insured/ Nominee/ Legal Heirs of Insured. Upon acceptance of an offer of settlement by the Insured/Nominee/Legal Heirs of Insured, the payment of the amount due shall be made within 7 days from the date of acceptance of the offer by the Insured/Nominee/Legal Heirs of Insured. In the cases of delay in the payment, the Company shall be liable to pay interest at a rate which is 2% above the bank rate prevalent at the beginning of the financial year in which the claim is reviewed by it.","sources":[{"clause":null,"heading":"List of Claim documents for Death","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/compulsory-personal-accident-cover-irdan113rp0056v01201819/document/3012#c-list-of-claim-documents-for-death"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["intentional self-injury suicide or attempted suicide physical defect or infirmity","an accident happening whilst such person is under the influence of intoxicating liquor or drugs","any accidental injuries caused, sustained or incurred outside the geographical area","any claim arising out of any contractual liability","any accidental injuries caused sustained or incurred whilst the vehicle insured herein is being used otherwise than in accordance with the ‘Limitations as to Use’","being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause","any accidental injuries whatsoever or any loss or expense whatsoever resulting or arising there from or any consequential loss","ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel","Any accidental injuries directly or indirectly caused by or contributed to by or arising from nuclear weapons material","war, invasion, the act of foreign enemies, hostilities or warlike operations"],"display":"Intentional self-injury/suicide, intoxication, outside geographical area, contractual liability, misuse of vehicle/driver, loss or expense, radiation, nuclear weapons and war","note":null,"quote":"no compensation shall be payable in respect of death or bodily injury directly or indirectly wholly or in part arising or resulting from or traceable to (i) intentional self-injury suicide or attempted suicide physical defect or infirmity or\n(ii) an accident happening whilst such person is under the influence of intoxicating liquor or drugs. ... The Company shall not be liable under this Policy in respect of:\n1. any accidental injuries caused, sustained or incurred outside the geographical area;\n2. any claim arising out of any contractual liability;\n3. any accidental injuries caused sustained or incurred whilst the vehicle insured herein is\na) being used otherwise than in accordance with the ‘Limitations as to Use’ or\nb) being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause. ... (i) Any accidental injuries whatsoever or any loss or expense whatsoever resulting or arising there from or any consequential loss.\n(ii) any liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. ... Any accidental injuries directly or indirectly caused by or contributed to by or arising from nuclear weapons material. ... Any accidental injuries directly or indirectly or proximately or remotely occasioned by contributed to by or traceable to or arising out of or in connection with war, invasion, the act of foreign enemies, hostilities or warlike operations","sources":[{"clause":"A","heading":"COVERAGE","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/compulsory-personal-accident-cover-irdan113rp0056v01201819/document/3012#c-a"},{"clause":"B","heading":"EXCLUSIONS","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/compulsory-personal-accident-cover-irdan113rp0056v01201819/document/3012#c-b"},{"clause":"4","heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/compulsory-personal-accident-cover-irdan113rp0056v01201819/document/3012#c-4"},{"clause":"5","heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/compulsory-personal-accident-cover-irdan113rp0056v01201819/document/3012#c-5"},{"clause":"6","heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/compulsory-personal-accident-cover-irdan113rp0056v01201819/document/3012#c-6"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact the Customer Experience Team through the website, toll-free number, email or by writing to Bajaj General Insurance Ltd. If not satisfied, write to the Grievance Redressal Officer Mr. Jerome Vincent at ggro@bajajgeneral.com, then use the later escalation routes before the Insurance Ombudsman.","display":"Level 1 Customer Experience Team; Level 2 Grievance Redressal Officer","note":null,"quote":"Level 1 In case you have any concern, you may please reach out to our Customer Experience Team through any of the following options:\n• Our Website @ www.bajajgeneralinsurance.com\n• Call us on our Toll free no 1800 209 5858\n• Mail us on careforyou@bajajgeneral.com\n• Write to Bajaj General Insurance Ltd. Bajaj Insurance House, Airport Road, Yerwada Pune- 411006 Level 2 In case you are not satisfied with the response given to you by our team, you may write to our Grievance Redressal Officer Mr. Jerome Vincent at ggro@bajajgeneral.com","sources":[{"clause":"11","heading":"Grievance Redressal Procedure","page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/compulsory-personal-accident-cover-irdan113rp0056v01201819/document/3012#c-11"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["Death","Loss of two limbs or sight of two eyes or one limb and sight of one eye","Loss of one limb or sight of one eye","Permanent total disablement from injuries other than named above"],"display":"Accidental bodily injury/death to the owner-driver connected with the insured vehicle","note":"The injury or death must be sustained by the insured owner-driver in direct connection with the vehicle he/she owns, including while driving, mounting, dismounting or travelling in it as a co-driver, and must result within six calendar months.","quote":"The Company undertakes to pay compensation as per the following scale for bodily injury/ death sustained by the Insured owner-driver of the vehicle, in direct connection with the vehicle he/she owns or whilst driving or mounting into/dismounting from the vehicle he/ she owns or whilst traveling in it as a co-driver, caused by violent accidental external and visible means which independent of any other cause shall within six calendar months of such injury result in:\nNature of Injury | Scale of compensation\ni) Death | 100% of Sum Insured\n(ii) Loss of two limbs or sight of two eyes or one limb and sight of one eye. | 100% of Sum Insured\n(iii) Loss of one limb or sight of one eye | 50% of Sum Insured\n(iv) Permanent total disablement from injuries other than named above. | 100% of Sum Insured","sources":[{"clause":"A","heading":"COVERAGE","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/compulsory-personal-accident-cover-irdan113rp0056v01201819/document/3012#c-a"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"not-stated","value":null,"display":null,"note":"No deductible or excess amount is stated in the wording.","quote":null,"sources":[],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The insured may cancel with seven days’ notice. The insurer retains premium on a pro-rata basis for the period of cover before cancellation and refunds the balance premium, if any; no refund is due if a claim has been made, whether admitted or repudiated.","display":"Pro-rata refund after seven days’ notice; no refund if a claim has been made","note":"For a completed Policy Year, premium is retained in full. Cancellation is allowed only after ensuring the insured vehicle is insured elsewhere at least for Liability Only cover and after surrender of the original Certificate of Insurance.","quote":"Cancellation by Insured The policy may be cancelled at the option of the insured with seven days’ notice of cancellation and the Companywill be entitled to retain premium on pro-rata basis for the period for which the cover has been in existence prior to the cancellation of the policy. The balance premium, if any, will be refundable to the Insured. No refund ofPremium shall be due on cancellation of Policy if a claim has been made by You, whether such Claim was admitted or repudiated.\nNote: For the completed Policy Year premium shall be retained in full. A policy can be cancelled only after ensuring that the insured vehicle is insured elsewhere, at least for Liability Only cover and after surrender of the original Certificate of Insurance for cancellation.","sources":[{"clause":"6(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/compulsory-personal-accident-cover-irdan113rp0056v01201819/document/3012#c-6-b-3"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The wording excludes injuries outside the geographical area, but does not state what the geographical area is.","quote":null,"sources":[],"law":[]},{"key":"accidental_death","label":"Accidental death","section":"Cover","meaning":"What is paid if an accident causes death.","status":"quote-verified","value":"Death caused by violent accidental external and visible means within six calendar months is paid at 100% of Sum Insured, subject to the total liability not exceeding Rs. 15 lakhs during any one period of insurance.","display":"100% of Sum Insured, up to Rs. 15 lakhs during any one period of insurance","note":null,"quote":"The Company undertakes to pay compensation as per the following scale for bodily injury/ death sustained by the Insured owner-driver of the vehicle, in direct connection with the vehicle he/she owns or whilst driving or mounting into/dismounting from the vehicle he/ she owns or whilst traveling in it as a co-driver, caused by violent accidental external and visible means which independent of any other cause shall within six calendar months of such injury result in:\nNature of Injury | Scale of compensation\ni) Death | 100% of Sum Insured ... the total liability of the insurer shall not in the aggregate exceed the sum of Rs. 15 lakhs during any one period of insurance.","sources":[{"clause":"A","heading":"COVERAGE","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/compulsory-personal-accident-cover-irdan113rp0056v01201819/document/3012#c-a"}],"law":[]},{"key":"permanent_total_disability","label":"Permanent total disability","section":"Cover","meaning":"What is paid for permanent total disability.","status":"quote-verified","value":"The policy pays 100% of Sum Insured for loss of two limbs or sight of two eyes or one limb and sight of one eye, and 100% of Sum Insured for permanent total disablement from injuries other than those named. Compensation is payable under only one item for any one occurrence, with aggregate liability capped at Rs. 15 lakhs during any one period of insurance.","display":"100% of Sum Insured for specified total losses or other permanent total disablement","note":null,"quote":"(ii) Loss of two limbs or sight of two eyes or one limb and sight of one eye. | 100% of Sum Insured\n(iii) Loss of one limb or sight of one eye | 50% of Sum Insured\n(iv) Permanent total disablement from injuries other than named above. | 100% of Sum Insured\nProvided always that\n1. compensation shall be payable under only one of the items (i) to (iv) above in respect of the owner-driver arising out of any one occurrence and the total liability of the insurer shall not in the aggregate exceed the sum of Rs. 15 lakhs during any one period of insurance.","sources":[{"clause":"A","heading":"COVERAGE","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/compulsory-personal-accident-cover-irdan113rp0056v01201819/document/3012#c-a"}],"law":[]},{"key":"permanent_partial_disability","label":"Permanent partial disability","section":"Cover","meaning":"The table of payouts for losing a limb, eye, hearing...","status":"quote-verified","value":"The scale pays 100% of Sum Insured for loss of two limbs or sight of two eyes or one limb and sight of one eye, and 50% of Sum Insured for loss of one limb or sight of one eye.","display":"100% for specified two-limb/two-eye losses; 50% for one limb or sight of one eye","note":"No separate hearing-loss payout table is stated.","quote":"(ii) Loss of two limbs or sight of two eyes or one limb and sight of one eye. | 100% of Sum Insured\n(iii) Loss of one limb or sight of one eye | 50% of Sum Insured","sources":[{"clause":"A","heading":"COVERAGE","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/compulsory-personal-accident-cover-irdan113rp0056v01201819/document/3012#c-a"}],"law":[]},{"key":"temporary_total_disability","label":"Temporary total disability","section":"Cover","meaning":"Weekly income paid while you cannot work after an accident.","status":"not-stated","value":null,"display":null,"note":"No weekly temporary total disability benefit is stated in the wording.","quote":null,"sources":[],"law":[]},{"key":"accident_medical","label":"Accident medical expenses","section":"Cover","meaning":"Treatment costs after an accident.","status":"quote-verified","value":"Accident medical expenses are not covered; the exclusions include any loss or expense resulting from accidental injuries.","display":"Not covered","note":null,"quote":"(i) Any accidental injuries whatsoever or any loss or expense whatsoever resulting or arising there from or any consequential loss.","sources":[{"clause":"4","heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/compulsory-personal-accident-cover-irdan113rp0056v01201819/document/3012#c-4"}],"law":[]},{"key":"occupation_classes","label":"Occupation rules","section":"Eligibility","meaning":"Whether your job affects cover or premium.","status":"not-stated","value":null,"display":null,"note":"The wording states owner-driver, registered owner and driving licence conditions, but does not state occupation classes or job-based premium rules.","quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Compulsory Personal Accident Cover Policy Wordings","pages":7,"fetched_at":"2026-10-17 19:36:19+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/commercial-insurance/Policy-Wordings1.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/compulsory-personal-accident-cover-irdan113rp0056v01201819/document/3012"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Bajaj General Insurance official website","url":"https://www.bajajgeneralinsurance.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims","url":"https://www.bajajgeneralinsurance.com/general-insurance-claims.html","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Online grievance form","url":"https://www.bajajgeneralinsurance.com/forms/form-online-grievance.html","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Compulsory Personal Accident Cover (UIN IRDAN113RP0056V01201819), IndiaInsurances, https://indiainsurances.com/policy/bajaj-general-insurance/compulsory-personal-accident-cover-irdan113rp0056v01201819"}