{"uin":"SBIPAIP12002V011112","name":"Individual Personal Accident Insurance Policy","url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112","insurer":{"slug":"sbi-general-insurance","name":"SBI General Insurance Company Limited","url":"https://indiainsurances.com/insurer/sbi-general-insurance"},"line":"health","category":"personal-accident","category_name":"Personal accident","irdai_type":null,"kind":"product","status":"active","approved_on":"2013-06-20","withdrawn_on":null,"summary":"This is a benefit-based individual personal accident policy with Accidental Death mandatory and PTD, PPD and TTD available as optional benefit tables. It normally runs for one year, has a 30-day free-look period and offers optional hospital confinement allowance and ambulance cover.","analysis":{"state":"machine","analysed_at":"2026-10-19 21:50:59.704365+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":"quote-verified","value":["Table A – Accidental death","Table B - Accidental death + Permanent Total Disability (PTD)","Table C – Accidental death + Permanent Total Disability (PTD) + Permanent Partial Disability (PPD)","Table D – Accidental death + Permanent Total Disability (PTD)+ Permanent Partial Disability (PPD) + Temporary Total Disability (TTD)"],"display":"Table A – Accidental death; Table B - Accidental death + Permanent Total Disability (PTD); Table C – Accidental death + Permanent Total Disability (PTD) + Permanent Partial Disability (PPD); Table D – Accidental death + Permanent Total Disability (PTD)+ Permanent Partial Disability (PPD) + Temporary Total Disability (TTD)","note":"The document calls these coverage options or tables of benefits.","quote":"Insured may opt for any of the following table of beneĤts as coverage option. ... Table A – | Accidental death\nTable B - | Accidental death + Permanent Total Disability (PTD)\nTable C – | Accidental death + Permanent Total Disability (PTD) + Permanent Partial Disability (PPD)\nTable D – | Accidental death + Permanent Total Disability (PTD)+ Permanent Partial Disability (PPD) + Temporary Total Disability (TTD)","sources":[{"clause":null,"heading":"Scope of Cover","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14970#c-scope-of-cover"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"Period of Insurance will normally be one year; short period policies may also be considered.","display":"Normally one year; short period policies may also be considered","note":null,"quote":"Period of Insurance will normally be one year, however short period policies may also be considered as per the following table.","sources":[{"clause":null,"heading":"Period of insurance","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14970#c-period-of-insurance"}],"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":"Written notice with all particulars must be given immediately. For death, loss of sight or amputation of limbs, notice must be given immediately and in any case not later than 30 days, unless reasonable cause for delay is shown.","display":"Immediately; for death, loss of sight or amputation, not later than 30 days","note":null,"quote":"Upon happening of any event which may give rise to a claim under this policy, written notice with all particulars must be given by insured/nominee to the Company immediately. In case of death, written notice must be given immediately, unless reasonable cause is shown for such delay and in any case, within 30 days after death. In the event of loss of sight or amputation of limbs, written notice thereof must also be given immediately but not later than 30 days after such loss of sight or amputation.","sources":[{"clause":"13(iv)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14974#c-13-iv"}],"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":["Claim form duly signed","Policy copy","Claim Intimation","FIR / MLC Copy /Spot Panchnama / Inquest Panchnama","Death CertiĤcate","Post Mortem Report (If conducted)","Final Police Report","AĦdavit from the legal heirs of the deceased (in case nomination has not been Ĥled by deceased)","Investigation reports","Medical certiĤcate","Disability CertiĤcate","Photograph of the injured with reĥecting disablement","Discharge card","Education ID card","Doctor certiĤcate for person’s residential accommodation and/or vehicle","Receipt of ambulance usage"],"display":"Claim form, policy copy, claim intimation, police/medical/legal and benefit-specific documents as applicable","note":"The wording says the requirement of these indicative documents depends on the nature of claim.","quote":"a) Claim form duly signed ... b) Policy copy ... c) Claim Intimation ... d) FIR / MLC Copy /Spot Panchnama / Inquest Panchnama ... e) Death CertiĤcate ... f) Post Mortem Report (If conducted) ... g) Final Police Report ... h) AĦdavit from the legal heirs of the deceased (in case nomination has not been Ĥled by deceased) ... i) Investigation reports ... j) Medical certiĤcate ... k) Disability CertiĤcate ... l) Photograph of the injured with reĥecting disablement ... m) Discharge card ... n) Education ID card ... o) Doctor certiĤcate for person’s residential accommodation and/or vehicle ... p) Receipt of ambulance usage","sources":[{"clause":"13(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14974#c-13-a"},{"clause":"13(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14974#c-13-b"},{"clause":"13(c)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14974#c-13-c"},{"clause":"13(d)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14974#c-13-d"},{"clause":"13(e)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14974#c-13-e"},{"clause":"13(f)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14974#c-13-f"},{"clause":"13(g)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14974#c-13-g"},{"clause":"13(h)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14974#c-13-h"},{"clause":"13(i)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14974#c-13-i-2"},{"clause":"13(j)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14974#c-13-j"},{"clause":"13(k)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14974#c-13-k"},{"clause":"13(l)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14974#c-13-l"},{"clause":"13(m)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14974#c-13-m"},{"clause":"13(n)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14974#c-13-n"},{"clause":"13(o)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14974#c-13-o"},{"clause":"13(p)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14974#c-13-p"}],"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":"Upon acceptance of an offer of settlement by the insured, payment of the amount due shall be made within 7 days from the date of acceptance; delay attracts interest at 2% above the bank rate.","display":"Within 7 days from acceptance of the settlement offer","note":null,"quote":"Upon acceptance of an oģer of settlement by the insured, the payment of the amount due shall be made within 7 days from the date of acceptance of the oģer by the insured. In the cases of delay in the payment, the insurer shall be liable to pay interest at a rate which is 2% above the bank rate","sources":[{"clause":"13(p)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14974#c-13-p"}],"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":["Accident resulting from Suicide, attempted suicide (whether sane or insane) or intentionally self-inĥicted injury, mental or nervous disorder.","Accident arising out of and in the course of employment in any branch of the Military or Armed Forces of any country, whether in peace or War.","Accident while being under the inĥuence or abuse of drugs, alcohol, or other intoxicants or hallucinogens unless properly prescribed by a physician and taken as prescribed","Participation in an actual or attempted felony, riot, crime, misdemeanour, or civil commotion","Accident during air travel except as a fare paying passenger on a recognized airline or charter aircraft","Accident while operating or learning to operate any aircraft or ship, or performing duties as a member of the crew on any aircraft or ship.","Any accident/loss arising out of War, civil war, invasion, insurrection, revolution, act of foreign enemy, hostilities (whether War be declared or not), rebellion, mutiny, use of military power or usurpation of government or military power;","Any injury caused by, contributed to, by or arising from nuclear ionising radiation or contamination by radioactivity","The dispersal or application of pathogenic or poisonous biological or chemical materials","Participation in winter sports, skydiving/parachuting, hand gliding, bungee jumping, scuba diving, ballooning, mountain climbing","Any loss resulting directly or indirectly, contributed or aggravated or prolonged by childbirth or from pregnancy,","Committing breach of law with criminal intent.","Loss caused directly or indirectly, wholly or partly by infections (except pyogenic infections which shall occur through an Accidental cut or wound) or any other kind of Disease;"],"display":"Suicide/self-inflicted injury, armed forces employment, intoxication, crime/riot, non-passenger air travel, war, nuclear, chemical/biological materials, hazardous sports, pregnancy/childbirth, criminal breach of law and infections/disease are excluded","note":null,"quote":"Accident resulting from Suicide, attempted suicide (whether sane or insane) or intentionally self-inĥicted injury, mental or nervous disorder. ... Accident arising out of and in the course of employment in any branch of the Military or Armed Forces of any country, whether in peace or War. ... Accident while being under the inĥuence or abuse of drugs, alcohol, or other intoxicants or hallucinogens unless properly prescribed by a physician and taken as prescribed ... Participation in an actual or attempted felony, riot, crime, misdemeanour, or civil commotion ... Accident during air travel except as a fare paying passenger on a recognized airline or charter aircraft ... Accident while operating or learning to operate any aircraft or ship, or performing duties as a member of the crew on any aircraft or ship. ... Any accident/loss arising out of War, civil war, invasion, insurrection, revolution, act of foreign enemy, hostilities (whether War be declared or not), rebellion, mutiny, use of military power or usurpation of government or military power; ... Any injury caused by, contributed to, by or arising from nuclear ionising radiation or contamination by radioactivity ... The dispersal or application of pathogenic or poisonous biological or chemical materials; ... Participation in winter sports, skydiving/parachuting, hand gliding, bungee jumping, scuba diving, ballooning, mountain climbing ... Any loss resulting directly or indirectly, contributed or aggravated or prolonged by childbirth or from pregnancy, ... Committing breach of law with criminal intent. ... Loss caused directly or indirectly, wholly or partly by infections (except pyogenic infections which shall occur through an Accidental cut or wound) or any other kind of Disease;","sources":[{"clause":null,"heading":"The Company shall not be liable under this policy for -","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14974#c-the-company-shall-not-be-liable-under-this-polic"},{"clause":"4","heading":null,"page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14974#c-4-2"},{"clause":"5","heading":"Accident during air travel except as a fare paying passenger on a","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14974#c-5-2"},{"clause":"6","heading":"Accident while operating or learning to operate any aircraft or","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14974#c-6-2"},{"clause":"7","heading":null,"page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14974#c-7-2"},{"clause":"8","heading":"Any injury caused by, contributed to, by or arising from nuclear","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14974#c-8-2"},{"clause":"9","heading":"The dispersal or application of pathogenic or poisonous","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14974#c-9-2"},{"clause":"10","heading":"Participation in winter sports, skydiving/parachuting, hand","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14974#c-10-2"},{"clause":"11","heading":"Any loss resulting directly or indirectly, contributed or","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14974#c-11-2"},{"clause":"12","heading":null,"page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14974#c-12-2"},{"clause":"13","heading":"Loss caused directly or indirectly, wholly or partly by infections","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14974#c-13-2"}],"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":"The policy route is Bima Bharosa, alternatively Head – Customer Care, and then the Grievance Redressal Officer if still not satisfied or no response is received within 5 Business days; after that the matter may be escalated to the Insurance Ombudsman.","display":"Bima Bharosa or Head – Customer Care first; then Grievance Redressal Officer; then Insurance Ombudsman","note":null,"quote":"If You have a grievance about any matter relating to the Policy, or Our decision on any matter, or the claim, You can address Your grievance as follows: ... Stage 1: Bima Bharosa ... Stage 2: Head – Customer Care Alternatively, if you wish to register your grievances directly with us, you may write to the Head – Customer Care. ... Stage 3: Grievance Redressal OĦcer (GRO) In case, you are still not satisĤed with the decision/ resolution communicated by the above oĦcer or have not received any response within 5 Business days, you may escalate the matter to the Grievance Redressal OĦcer (GRO)","sources":[{"clause":"17","heading":"Redressal of Grievance","page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14974#c-17-2"},{"clause":null,"heading":"Stage 1: Bima Bharosa","page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14974#c-stage-1-bima-bharosa"}],"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":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"quote-verified","value":"Minimum Sum Insured is `1,00,000/- and Maximum SI is `1,00,00,000/- for Accidental Death Benefit / Permanent Total Disability, subject to income limits. Dependent children, dependant parents, parents in law and non working spouse are limited to 20% of the primary insured's SI or `10,00,000/-, whichever is less.","display":"`1,00,000/- to `1,00,00,000/-; dependants up to 20% of primary insured SI or `10,00,000/- whichever is less","note":"Proof of income is required for Accidental Death sum insured exceeding `25, 00,000/-.","quote":"Sum Insured for Accidental Death BeneĤt / Permanent Total Disability is limited to 120 times Monthly Gross income or 10 times the annual gross earnings from gainful employment/occupation. – Maximum SI is `1,00,00,000/-. Minimum Sum Insured is `1,00,000/-. ... SI to Dependent Children, dependant parents, parents in law and non working spouse is limited to 20 % of SI of the primary Insured or `10,00,000/- whichever is less.","sources":[{"clause":null,"heading":"Fixing of sum Insured","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14970#c-fixing-of-sum-insured"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"not-applicable","value":null,"display":null,"note":"This is a personal accident benefit policy for accidental injury/death; the CIS states waiting period is not applicable.","quote":null,"sources":[],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"not-applicable","value":null,"display":null,"note":"This is a personal accident benefit policy and does not cover pre-existing disease waiting-period claims.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"not-applicable","value":null,"display":null,"note":"This is a personal accident benefit policy; there is no specific illness/procedure waiting period for the accident benefits.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"not-applicable","value":null,"display":null,"note":"Specific illness waiting-period lists do not apply to this personal accident benefit policy.","quote":null,"sources":[],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"not-stated","value":null,"display":null,"note":"The wording mentions moratorium period only in the grace-period definition, but does not state a moratorium duration or rule.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"not-stated","value":null,"display":null,"note":"The policy states ordinary renewability, but does not state lifelong renewal without a maximum renewal age.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","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 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"No loading applies on renewals based on individual claims experience.","display":"No loading on renewals based on individual claims experience","note":null,"quote":"No loading shall apply on Renewals based on individual Claims experience.","sources":[{"clause":"13(p)(vi)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14974#c-13-p-vi"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","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 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"quote-verified","value":["Accident resulting from Suicide, attempted suicide (whether sane or insane) or intentionally self-inĥicted injury, mental or nervous disorder.","Accident arising out of and in the course of employment in any branch of the Military or Armed Forces of any country, whether in peace or War.","Accident while being under the inĥuence or abuse of drugs, alcohol, or other intoxicants or hallucinogens unless properly prescribed by a physician and taken as prescribed","Participation in an actual or attempted felony, riot, crime, misdemeanour, or civil commotion","Accident during air travel except as a fare paying passenger on a recognized airline or charter aircraft","Accident while operating or learning to operate any aircraft or ship, or performing duties as a member of the crew on any aircraft or ship.","Any accident/loss arising out of War, civil war, invasion, insurrection, revolution, act of foreign enemy, hostilities (whether War be declared or not), rebellion, mutiny, use of military power or usurpation of government or military power;","Any injury caused by, contributed to, by or arising from nuclear ionising radiation or contamination by radioactivity","The dispersal or application of pathogenic or poisonous biological or chemical materials","Congenital anomalies or any complications or conditions arising there from","Participation in winter sports, skydiving/parachuting, hand gliding, bungee jumping, scuba diving, ballooning, mountain climbing","Any loss resulting directly or indirectly, contributed or aggravated or prolonged by childbirth or from pregnancy,","Committing breach of law with criminal intent.","Loss caused directly or indirectly, wholly or partly by infections (except pyogenic infections which shall occur through an Accidental cut or wound) or any other kind of Disease;"],"display":"General accident exclusions including suicide/self-inflicted injury, armed forces employment, intoxication, crime/riot, non-passenger air travel, war, nuclear, chemical/biological materials, congenital anomalies, hazardous sports, pregnancy/childbirth, criminal breach of law and infections/disease","note":"The policy wording does not print standard IRDAI exclusion codes Excl04 to Excl18 for these exclusions.","quote":"Accident resulting from Suicide, attempted suicide (whether sane or insane) or intentionally self-inĥicted injury, mental or nervous disorder. ... Accident arising out of and in the course of employment in any branch of the Military or Armed Forces of any country, whether in peace or War. ... Accident while being under the inĥuence or abuse of drugs, alcohol, or other intoxicants or hallucinogens unless properly prescribed by a physician and taken as prescribed ... Participation in an actual or attempted felony, riot, crime, misdemeanour, or civil commotion ... Accident during air travel except as a fare paying passenger on a recognized airline or charter aircraft ... Accident while operating or learning to operate any aircraft or ship, or performing duties as a member of the crew on any aircraft or ship. ... Any accident/loss arising out of War, civil war, invasion, insurrection, revolution, act of foreign enemy, hostilities (whether War be declared or not), rebellion, mutiny, use of military power or usurpation of government or military power; ... Any injury caused by, contributed to, by or arising from nuclear ionising radiation or contamination by radioactivity ... The dispersal or application of pathogenic or poisonous biological or chemical materials; ... Congenital anomalies or any complications or conditions arising there from ... Participation in winter sports, skydiving/parachuting, hand gliding, bungee jumping, scuba diving, ballooning, mountain climbing ... Any loss resulting directly or indirectly, contributed or aggravated or prolonged by childbirth or from pregnancy, ... Committing breach of law with criminal intent. ... Loss caused directly or indirectly, wholly or partly by infections (except pyogenic infections which shall occur through an Accidental cut or wound) or any other kind of Disease;","sources":[{"clause":null,"heading":"The Company shall not be liable under this policy for -","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14974#c-the-company-shall-not-be-liable-under-this-polic"},{"clause":"4","heading":null,"page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14974#c-4-2"},{"clause":"5","heading":"Accident during air travel except as a fare paying passenger on a","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14974#c-5-2"},{"clause":"6","heading":"Accident while operating or learning to operate any aircraft or","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14974#c-6-2"},{"clause":"7","heading":null,"page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14974#c-7-2"},{"clause":"8","heading":"Any injury caused by, contributed to, by or arising from nuclear","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14974#c-8-2"},{"clause":"9","heading":"The dispersal or application of pathogenic or poisonous","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14974#c-9-2"},{"clause":"10","heading":"Participation in winter sports, skydiving/parachuting, hand","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14974#c-10-2"},{"clause":"11","heading":"Any loss resulting directly or indirectly, contributed or","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14974#c-11-2"},{"clause":"12","heading":null,"page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14974#c-12-2"},{"clause":"13","heading":"Loss caused directly or indirectly, wholly or partly by infections","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14974#c-13-2"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 base accident cover territory is not stated. The add-on wording separately limits hospital confinement to injury or accident within the Republic of India and ambulance transit within India only.","quote":null,"sources":[],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Applies to new individual health insurance policies except those with tenure of less than a year.","quote":"Every Policyholder of new individual health insurance policies except those with tenure of less than a year, shall be provided a free look period of 30 days beginning from the date of receipt of Policy document, whether received electronically or otherwise, to review the terms and conditions of such Policy.","sources":[{"clause":"13(i)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14974#c-13-i"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","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 20(1), 20(2)","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":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-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, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"The grace-period definition also says fifteen days where premium payment mode is monthly and thirty days in all other cases.","quote":"At the end of the Policy Period, the Policy shall terminate and can be renewed within the Grace Period of 30 days to maintain continuity of beneĤts without Break in Policy.","sources":[{"clause":"13(p)(v)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14974#c-13-p-v"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.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.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Adults can enter from 18 years up to 65 years. Children can enter from 3 months up to 23 years, subject to parents concurrently covered.","display":"Adults: 18 to 65 years; children: 3 months to 23 years","note":null,"quote":"Any person having minimum age of 18 years and up to the age of 65 years. ... Children Minimum Age at Entry: 3 months and maximum up to 23 years subject to parents concurrently covered with us.","sources":[{"clause":null,"heading":"Who can take this policy","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14970#c-who-can-take-this-policy"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"not-stated","value":null,"display":null,"note":"The documents refer to annual premium and grace-period rules, but do not state the available premium payment modes.","quote":null,"sources":[],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"quote-verified","value":["Permanent Total Disablement","Permanent Partial Disablement","Temporary Total Disablement","Hospital Confinement Allowance","Ambulance Cover"],"display":"PTD, PPD and TTD benefit tables are optional; add-ons are Hospital Confinement Allowance and Ambulance Cover","note":"Accidental Death is mandatory.","quote":"Accidental Death cover is a compulsory cover; Permanent Total Disablement, Permanent Partial Disablement and Temporary Total Disablement are Optional covers available to the proposer. ... Following are covered as add on up to the limits specified\nin policy schedule, if you have paid the additional premium for these covers\n1. Hospital Confinement Allowance.\n2. Ambulance Cover.","sources":[{"clause":null,"heading":"Scope of Cover","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14970#c-scope-of-cover"},{"clause":null,"heading":"Following are covered as add on up to the limits specified","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14961#c-following-are-covered-as-add-on-up-to-the-limits"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"Coverage is not available during the Grace Period.","display":"Coverage is not available during the Grace Period","note":"The grace-period definition separately says insurers shall offer coverage during the grace period if premium is paid in instalments during the policy period.","quote":"Coverage is not available during the Grace Period.","sources":[{"clause":"13(p)(v)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14974#c-13-p-v"}],"law":[]},{"key":"accidental_death","label":"Accidental death","section":"Cover","meaning":"What is paid if an accident causes death.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"permanent_total_disability","label":"Permanent total disability","section":"Cover","meaning":"What is paid for permanent total disability.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"permanent_partial_disability","label":"Permanent partial disability","section":"Cover","meaning":"The table of payouts for losing a limb, eye, hearing...","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"temporary_total_disability","label":"Temporary total disability","section":"Cover","meaning":"Weekly income paid while you cannot work after an accident.","status":"quote-verified","value":"If Table D is covered and an accident solely causes temporary disability preventing the insured from performing every duty of employment or occupation, a weekly benefit of 1% of SI or ` 10000, whichever is lower, is payable after a one-week deductible for up to 104 weeks.","display":"1% of S.I or ` 10000 per week, whichever is lower; one-week deductible; up to 104 weeks","note":"TTD is available under Table D if reflected in the policy schedule.","quote":"If the Insured Person is covered for this beneĤt as reĥected in the schedule of the policy and suģers an Accident during the Policy Period which is the sole and direct cause of a temporary disability which completely prevents him from performing each and every duty pertaining to his employment or occupation, then We will pay a weekly beneĤt ... Temporary Total disablement beneĤt at the rate per week | 1% of S.I or ` 10000 whichever is lower. | One week\n1. The beneĤt can be payable up to a maximum period of 104 weeks from the date of the Accident","sources":[{"clause":null,"heading":"Table D BeneĤt: Accidental death + Permanent Total Disability","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14974#c-table-d-beneht-accidental-death-permanent-total"},{"clause":"9","heading":"The dispersal or application of pathogenic or poisonous","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14974#c-9-2"}],"law":[]},{"key":"accident_medical","label":"Accident medical expenses","section":"Cover","meaning":"Treatment costs after an accident.","status":"quote-verified","value":"The base benefit tables are not stated as reimbursing accident treatment costs. Optional add-ons provide a hospital confinement daily benefit for injury or accident within India and ambulance reimbursement up to 10% of AD sum insured subject to `1,00,000/- per policy period.","display":"Optional hospital confinement daily benefit and ambulance reimbursement up to 10% of AD SI, maximum `1,00,000/-","note":"These are add-on covers in lieu of extra premium; the hospital confinement allowance is a daily benefit, not reimbursement of hospital bills.","quote":"the company will pay a Daily BeneĤt ................ for each Day You are admitted in a Hospital due to Injury or Accident that occurs within the Republic of India . ... The total beneĤts provided for any One Period of ConĤnement are subject to the In-Hospital maximum for 15 days for the entire policy period. ... the company will reimburse up to 10% AD sum insured subject to maximum of `1,00,000/- per policy period towards expenses incurred for availing an Ambulance Service","sources":[{"clause":null,"heading":"ADDITONAL COVERS – INDIVIDUAL PERSONAL ACCIDENT INSURANCE 1. HOSPITAL CONFINEMENT ALLOWANCE","page":8,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14974#c-additonal-covers-individual-personal-accident-in"},{"clause":"17(d)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14974#c-17-d"}],"law":[]},{"key":"occupation_classes","label":"Occupation rules","section":"Eligibility","meaning":"Whether your job affects cover or premium.","status":"quote-verified","value":"Premium depends on occupation. Risk Category I covers occupations mostly involving non-hazardous office or desk work; Category II covers hazardous work like geologists and gym instructors; Category III covers extremely hazardous work like jockeys and lathe machine workers.","display":"Occupation affects premium: Risk Category I, II and III","note":null,"quote":"The rate of premium shall depend upon the Occupation of the Insured ... Risk Category -\ni) Category I – Occupations which involve mostly oĦce or desk work, which is non hazarduous.\nii) Category II – Occupations which involve hazarduous work like geologists, gym instructors etc.\niii) Category III - Occupations which involve extremely hazarduous work like jockeys, lathe machine workers.","sources":[{"clause":null,"heading":"Fixing of sum Insured","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14970#c-fixing-of-sum-insured"}],"law":[]}],"documents":[{"kind":"wording","label":"Individual Personal Accident Insurance Policy Policy Wordings","pages":8,"fetched_at":"2026-10-17 19:59:45+00","source_url":"https://content.sbigeneral.in/uploads/Individual_Personal_Accident_PW_KEN_d5591033a4.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14974"},{"kind":"wording","label":"Individual Personal Accident (IRDAI copy)","pages":15,"fetched_at":"2026-10-20 02:21:53+00","source_url":"https://irdai.gov.in/documents/37343/931203/Individual+Personal+Accident_2013-2014.pdf/b1ba12b8-4c4b-d8f7-1da4-20c7bce40c0b?version=1.1&t=1668329433656&download=true","url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/28117"},{"kind":"prospectus","label":"Individual Personal Accident Insurance Policy Prospectus","pages":5,"fetched_at":"2026-10-17 19:59:43+00","source_url":"https://content.sbigeneral.in/uploads/Individual_Personal_Accident_Prospectus_daa63427e7.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14970"},{"kind":"cis","label":"Individual Personal Accident Insurance Policy CIS","pages":5,"fetched_at":"2026-10-17 19:59:25+00","source_url":"https://content.sbigeneral.in/uploads/Individual_Personal_Accident_Policy_CIS_d187a38a1b.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14961"},{"kind":"brochure","label":"Individual Personal Accident Insurance Policy Brochure","pages":10,"fetched_at":"2026-10-17 19:58:06+00","source_url":"https://content.sbigeneral.in/uploads/6f08fc85cd83461c9b92dd60362490ad.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112/document/14935"}],"versions":[{"uin":"IRDA/NL-HLT/SBIGI/P-P/V.I/46/13-14","version":null,"approved_on":null},{"uin":"SBIPAIP12002V011112","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"SBI General Insurance official website","url":"https://www.sbigeneral.in/","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":"Health claims","url":"https://www.sbigeneral.in/claim/health","note":null},{"purpose":"claim","kind":"insurer","name":"Home claims","url":"https://www.sbigeneral.in/claim/home","note":null},{"purpose":"claim","kind":"insurer","name":"Motor claims","url":"https://www.sbigeneral.in/claim/motor","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":"Grievance redressal","url":"https://www.sbigeneral.in/grievance-redressal","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."},{"purpose":"renew","kind":"insurer","name":"Policy renewal","url":"https://www.sbigeneral.in/policy-renewal","note":null}],"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":"Individual Personal Accident Insurance Policy (UIN SBIPAIP12002V011112), IndiaInsurances, https://indiainsurances.com/policy/sbi-general-insurance/individual-personal-accident-insurance-policy-sbipaip12002v011112"}