RuPay Accidental Insurance Claim For Disability

Which RuPay card he used (PMJDY/Classic/Platinum/Select) ?

2 Important points -

Benefits Of Insurance Will be available only to the Cardholders who have performed minimum one successful financial or non-financial transaction at any Channel both Intra and Inter-bank (ATM/MicroATM/POS/e-com) 45 days prior to incident.

Claim intimation should be made within ninety (90) days from the date of accident. In case where a person is hospitalized (and under a critical condition) and is unable to file claim within 90 days of loss/incident such claim cases will be accepted by The New India Assurance Co. Ltd. for investigation and honoured, if all terms under the policy are met as on date of accident.

Other details -

The New India Assurance Co. Ltd. will continue to be the Insurance partner with NPCI for RuPay Insurance Program 2018-19.

All accidental claims where incident has occurred on or after 1st April, 2018 and upto 31st March, 2019, will come under the purview of the RuPay Insurance Program 2018-19.

Hence, banks need to report all such claims to The New India Assurance Co. Ltd. for intimation and subsequent assessment.

In the event that the date of accident is:

a. within 45 days prior to date Of accident including accident date for Premium/Select Cardholders and

b. within 90 days prior to date of accident including accident date of Non-Premium Cardholders.
from the date of issuance of the RuPay card, the policy would respond in favour of the cardholder even if no transaction has been carried out using the card.

Claim intimation should be made within ninety (90) days from the date of accident. In case where a person is hospitalized (and under a critical condition) and is unable to file claim within 90 days of loss/incident such claim cases will be accepted by The New India Assurance Co. Ltd. for investigation and honoured, if all terms under the policy are met as on date of accident.

Brother, Just watch this video!

You will get whole information like where to contact, form and email.

shraaj wrote:

Brother, Just watch this video!

You will get whole information like where to contact, form and email.

Date of Accident is Sept 2018.

That time The New India Assurance Co. Ltd. was Insurance partner not TATA AIG.

Many thing has changed now like accident Insurance is not available for RuPay Classic cards, 

In 2018, RuPay PMJDY card user used to get 1 lac accidental Insurance but now 2 Lac for new customers.

abhishek012 wrote:

Date of Accident is Sept 2018.

That time The New India Assurance Co. Ltd. was Insurance partner not TATA AIG.

Many thing has changed now like accident Insurance is not available for RuPay Classic cards, 

In 2018, RuPay PMJDY card user used to get 1 lac accidental Insurance but now 2 Lac for new customers.

Then,just Put a Mail to rupay insurance team,they will help him out

shraaj wrote:

Then,just Put a Mail to rupay insurance team,they will help him out

All details already available on NPCI website. 😀

Here, select year and download pdf files - https://www.npci.org.in/what-we-do/rupay/cir...rs

Guys @abhishek012 , @shraaj thanks for your efforts but

I know the process, terms & conditions etc.

As per T&C, one has to file claim within 90 days of accident (or delayed in critical hospitalised cases)

But Though Person A was taking treatment and even stayed in hospital for days for physiotherapy and other treatment but it can’t be categorized as hospitalized and under a critical condition.

And in 90 days time period after accident, if Person A was not sure about the permanent disability and was trying to recover (even doctors told that it may get recovered) then how can he filed the claim at that time ?

So, As I have mentioned in main post, “the query” here is :

Should Person A file the claim now mentioning correct date of
incident ? if yes, what if bank/insurance company makes some excuses
like delayed claim submission etc.?

or

Should Person A file the claim now mentioning date of accident some
days back ? (As his injury is related to nerves and also at the time of
actual accident, there was almost no visible injuries).