Want us to call you? click here
Helping to provide accident insurance and hospitalisation cover at an affordable cost

This Policy is available to persons between the age of 18 and 60 years who are Members (in groups) of Micro Finance Institutions, Non Government Organisations, Government Sponsored Organisations and such affinity groups / institutions in rural and social sector. Members of their family too can be insured in the following manner:

	Under Section I – Only the Spouse (not exceeding 60 years of age)
	Under Section II – Spouse (not exceeding 60 years of age), Dependent Children (between the age of 3 months and 18 years) and Dependent Parents (not exceeding 60 years of age).

Family Floater option is available wherein, one single policy provides provide accident insurance and hospitalisation cover of entire family.

Typical Benefits of the Parivar Suraksha Bima Policy:

Accidental Death:	Covers the insured in case of loss of life in an accident.
Permanent Disablement:	Pays a benefit if the insured is permanently disabled in an accident.
Hospitalisation expenses:	Pays a reimbursement for medical expenses incurred if the insured or a member of insured family requires hospitalisation as an in-patient arising out of accidental bodily injury sustained or illness/diseases contracted.

Optional Benefits
Dependent Child Education Benefit:	Pays a benefit per dependent child below the age of 21 years (upto a maximum of two dependent children) by way of an education grant on accidental death or permanent total disablement of the Insured Member.
Dependent Girl Child Wedding Benefit:	Pays a benefit for marriage of only one dependent girl child below the age of 21 years on accidental death or permanent total disablement of the Insured Member.

In association with Healing Field Foundation, an NGO, we have innovated this product to adapt to ‘Diagnostic Related Group (DRG) Model’ for health insurance. Within this we cover 43 listed common illnesses and conditions requiring hospitalisation (including pregnancy) and is governed by (DRG) Mode’. DRG Model is an internationally accepted concept. Here a customized survey of an interested group is done to determine the demographic profile, hospital expenditure, hospital utilisation, disease profile, savings and credit profiles, etc. Then a disease profile list is drawn up and the diagnosis is broken down into different aspects like rational diagnostic and treatment procedures, number of nursing man hours required, consultants time etc and costs computed. A comprehensive network with hospitals in that particular area is established after a comprehensive rating, wherein the insured can avail treatment. The stakeholders, insurer, NGO partner and the hospital together work out a customised process, map and goals, for the success of the scheme.

Kindly contact us for more information. The premium payable on the policy would be dependent on the benefits purchased.
Please note that all benefits are subject to a maximum amount as stated in the policy. These will be clearly noted in any quotation released or any policy issued.

Claims Process
Claims shall be assessed and paid on the basis of the relevant documents submitted to the Company. For claims under Accidental Death or Permanent Disablement cover the documentation required would differ from those required for claiming Reimbursement of Hospital Expenses.
On the occurrence of any event due to which a claim may arise under this policy, prompt notice must be given to the Company.

Insurance is the subject matter of solicitation.
This content is descriptive only. Actual coverage is subject to the language of the policies as issued.