What is an accident?
	Accident means any sudden or unexpected event, which might cause bodily injury or which leads to a physical inability or death.
	Can I include my family in this policy?
	Yes you can include your family. There are various packaged plans, which we have and hence the inclusion of your family will depend on the plan that you will opt for.
	Is there an age limit to buy an accident policy?
	We can insure everyone between the age of 3 months and 70 years.
	What is the tenure of the policy?
	We have a recurring and non- recurring policy In case of a recurring policy the policy gets renewed automatically when the premium payment is due. There are various payment options like the monthly, quarterly, biannually and annual policy wherein the policy gets renewed at the decided intervals. You can make the premium payment through the credit card, postdated cheque or by giving standing instructions should you have an HDFC bank account. Non recurring policy does not get renewed automatically when the payment is due it is an annual policy valid for one year from the date of commencement and payments can be made through a cheque, credit card or by giving standing instructions should you have an HDFC bank account.
	Can I have more than one Insurance cover?
	Yes you can have more than one Insurance cover, these can be provided by the company you work for or be an individual policy however the total sum insured under all policies with us should not exceed Rs 25 Lac.
	How do I make a claim?
	You can make a claim by calling our Toll free number 1800-2-700-700. We will then assist you with the submission of the documents required and the process will be completed within 7 working days, once all the required documents are submitted.
	When does my policy start?
	The commencement of the policy is dependent on the plan and tenure of the policy that you select. The policy commencement can be immediate or can take a maximum of 30 days from the date of receiving the premium payment.
	In how many days will I get the policy?
	The policy will be dispatched to you within 21 working days of receiving your signed proposal form.
	How do I make my premium payments?
	We can provide with a recurring and non-recurring policy In case of a recurring policy the policy gets renewed automatically when the premium payment is due. There are various payment options like the monthly, quarterly, biannually and annual policy wherein the policy gets renewed at the decided intervals. You can make payment through the credit card, postdated cheque or by giving standing instructions should you have an HDFC bank account. Non recurring policy does not get renewed automatically when the payment is due it is an annual policy valid for one year from the date of issuance and payments can be made through a cheque, credit card or by giving standing instructions should you have an HDFC bank account.
	What are the various exclusions in an accident policy?
	To name a few exclusions - War, Nuclear Perils, Pre-existing Condition, AIDS/ HIV, Suicide or Willful or deliberate exposure to danger.
	What is the meaning of dismemberment?
	When there is loss of use of any body part because of bodily injury caused by an accident then it is called dismemberment.
	What do you mean by permanent partial disability?
	Permanent partial disability is when an individual's earning capacity is affected due to bodily injuries caused by an accident however he / she can work at a reduced capacity.
	What is permanent total disability?
	Permanent total disability is when a person cannot engage in an occupation, which will help him earn money for his entire life because of the bodily injuries caused by an accident.
	What is temporary total disablement?
	Temporary total disablement is when a person cannot engage in an occupation entirely for a temporary period because of an accidental injury.
	Do you have a medical policy?
	Yes we do have a Hospital Cash Plan, which pays a fixed daily benefit for each day an insured person is admitted in a Hospital because of an accident. The fixed daily benefit depends on the plan that you have opted for.
	Am I eligible to buy an accident policy?
	The eligibility for an accident policy is dependent on the risk group that you belong to which is based on your profession. Higher the risk in your profession higher the premium.
	What is the premium that I have to pay for a policy of Rs 100000?
	The premiums depend upon various factors like the risk group, benefits and the type of policy you wish to choose and may vary accordingly. There are various packages which are available and the premium amount ranges from Rs 300 to Rs 6000 a year.
	How do I renew my policy?
	Recurring Policy : In case of a recurring policy it gets renewed automatically when the premium payment is due. You have a monthly, quarterly, biannually and annual policy wherein the policy gets renewed at the decided intervals.( whichever applicable) In case of a non recurring policy: We will send you a pre- printed form when the date for renewal is due, which will be signed by you and a cheque of the required amount can then be sent along with that form or you can make payment through your credit card or by giving standing instructions should you have an HDFC bank account.
	Does this accident policy cover me for hospital expenses because of sickness?
	There are various plans available and coverage will depend on the policy you buy
	Can I buy a policy for others in my family?
	Yes you can buy a policy for your family, which are your spouse, dependent children and dependent parents.
	Will my accident policy cover me even if I am out of the country?
	Yes the accident policy will cover you even if you are out of the country. The sum insured will be paid to you in Indian Rupees in case of a claim.
	What are the different cover amounts available for an accident policy?
	There are various plans available in case of an accident policy and the cover amounts vary accordingly.
	Can I increase or decrease the value of my policy during the year?
	Yes you can increase or decrease the value of the policy during the policy period.
	Is there a list of hospitals that I can go in case of an accident policy?
	You can go to any hospital in case of an accident.
	What are the additional premiums that I will have to pay for including my family?
	The additional premium for the family depends on the cover amount and the benefits that are included in the various plans that are available with us.
	How is Hospital Cash Policy Different from Hospitalisation/ Mediclaim Policy?
	Hospital Cash Insurance pays a fixed daily benefit to an insured person for being admitted in an hospital because of an accident. The benefit amount and the number of days for which the payment will be made is based on the cover taken by you. The Amount paid is compensation and is not restricted to actual expenses that one incurs in the Hospital as covered under Hospitalisation Mediclaim Policy.
	Can one claim under both Hospital Cash Policy and Hospitalisation/ Mediclaim Policy?
	Yes. One can claim under both the policies.
	Can I have a monthly payment option?
	Yes you can have a monthly payment option for your policy.