Reliance Personal Accident 360Shield

A lumpsum benefit is provided in case more than one Insured Person suffers from accidental injuries in the same incident which leads to AD, PTD or PPD

If the Insured Person suffers from AD, PTD or PPD due to an accident a Lumpsum amount is provided to the dependent parents as financial support.

A Lumpsum amount towards the Dependent Childs’ education is provided in case the Insured suffers from AD, PTD or PPD due to an accident

Compensation is provided for unauthorised transactions made with the insured card if it's stolen at the accident location.

Lumpsum compensation is provided to the insured in case they are hospitalised for a minimum of 7 continuous and consecutive days due to Accidental Injury.

If the need arises, this covers expenses for modifying the home or vehicle of the insured due to an accident

Covers the expenses incurred towards restoring bodily function following a major injury due to an accident resulting in PTD, PPD, head injury (as opted) or spine injury (as opted).
E.g. physical, occupational and/or speech therapy are covered.

Covers expenses incurred towards counselling sessions for psychological upliftment due to trauma caused by an Accidental Death to family survivors.

Covers expenses incurred towards rent or purchase of listed medical equipments like wheelchairs, crutches, artificial limbs and more in case of PTD and PPD.

Covers expenses incurred towards reconstructing or restoring the natural functions of the body which were affected due to PTD or PPD or Burns (if opted) or Paralysis as a result of an accident.

Covers expenses incurred for Educational Counselling for children whose parent(s) succumbs to an Accidental Death. This service is available for children between 13 to 25 years and for a maximum of 2 children

A weekly allowance is provided to the insured against an illness or injury caused for a short period of time as a result of an accident, due to which the insured is incapable of performing necessary duties pertaining to employment or occupation.

A fixed daily allowance is paid to the policyholder to cover miscellaneous/day-to-day expenses during the period of hospitalisation caused due to an accident.

Medical expenses incurred during treatments due to an accident that does not require the insured to stay overnight in a hospital are covered.

Incase the insured suffers from an accidental injury caused due to an adventure sport like Bungee Jumping, Scuba Diving, Trekking under the supervision of a trained professional the cost for such accidental expenses is covered.

An increase in base sum insured is provided as a reward to the policyholder in case of a claim-free year.

Any expenses incurred by the insured during hospitalisation due to an accident are covered. Includes inpatient care, day care procedures, diagnostic tests, ambulance charges, etc.

An additional Accidental Hospitalisation Limit is provided to the Insured as an incentive for every claim-free year.

Accidental hospitalisation limit is restored unlimited times in the same policy year in case it is exhausted due to a claim.

A fixed amount is indemnified to the insured's companion towards expenses incurred like transportation, hotel stay etc. in case the insured is hospitalised due to an accident.

Compensation is provided if the insured individual undergoes physiotherapy within 60 days of discharge following an accident-related hospitalisation.

Costs incurred towards the procedure of testing, compatibility check and transfusion of blood in case of an accident is covered.

The cost of importing medicines for the insured person's medical/surgical treatment due to an accident is covered.

If the insured receives medical care at home due to an accident as prescribed by a medical practitioner the costs incurred for arrangements pertaining to the same are covered

Lumpsum amount is paid according to defined limits in case the insured sustains second or third degree burns arising due to an accident.

A fixed amount is paid to the insured in case of Injuries resulting from broken bones or fractures due to an accident.

Compensation is given to the insured if he/she slips into a state of coma during hospitalisation due to an accident.

A lumpsum benefit is provided to the insured in case the insured suffers from a head or spinal injury resulting from an accident & requires neurosurgery.

A fixed amount is paid to the insured in case of a miscarriage resulting from an accident.

Covers the cost of evacuation if the insured is in a critical condition and needs to be shifted from the place of accident to the nearest hospital or from one hospital to another.

In the event of an Accidental Death or Permanent Total Disablement of the Insured Person while traveling outside India, an additional sum insured is granted to the Policyholder or beneficiary as specified in the policy.

If the insured is hospitalised due to an accident, round trip tickets for the companion or family member from India to the place of the Accident up to an amount specified in the Policy Schedule is indemnified in case of AD, PTD or PPD provided that no adult travelling companion is present at the place of accident.

Covers travel and accommodation expenses incurred by both the Insured Person or traveling companion in case the insured faces Accidental death, permanent total disability, permanent partial disability or hospitalisation due to an accidental injury.

Covers expenses for both the insured and their companion for cancelling pre-booked events due to accidental hospitalisation, accidental death, PPD, or PTD.

Covers the costs incurred towards the hotel or booking alternative accommodation for the insured or travelling companion if the insured or travelling companion suffers from AD, PTD, PPD or accidental hospitalisation and is unable to travel back to the city of residence in India.