How To File The Claim
Under Group Personal
Accident Policy?
A group personal accident insurance plan is an employee
welfare policy that protects employees against unanticipated
events such as accidents. This article will provide
straightforward guidance to submitting a claim under the Group
Personal Accident Insurance Policy.
A slip or fall might result in severe fractures or injuries,
interfering with an employee's ability to perform. The chance of
a car accident is growing by the day. As a result, a business
should offer employees group personal accident insurance to
cover the medical costs of accidents.
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Purchasing an employee's accident coverage demonstrates the
employer's genuine concern for the well-being of its personnel. A
group personal accident insurance policy that promotes a
seamless claim settlement procedure is an appropriate employee
protection plan. Here is a quick reference guide to help you
settle a claim under the Group Personal Accident Insurance
Policy.
It would help if you Kept The Following Factors In Consideration
While Filing A Claim:
Types Of Events Covered:
A group personal accident insurance policy covers a variety
of claims. These include allegations originating from an
accident's unintentional death, entire permanent
disability, permanent partial disability, and temporary total
disability.
Furthermore, the insurance covers any road, rail, or air
accident, injury from a fall or slip, or the bursting of a gas
cylinder, snakebite or dog bite, burn injury, and so on. As a
result, before submitting a claim, you should ensure that
the accident is the cause of any such damage.
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However, the policy does not cover any exclusion under it. One
should not file the claim–
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Natural Death
Self-Inflicted Injuries
Intoxication
HIV related injury
Damage from war or terrorism
Injury from adventure sport
Pregnancy complications
Intoxication
Participation in criminal activity
The above is the typical exclusions of a group personal accident
insurance policy.
Claim Intimation:
You should report the occurrence to the insurance as
soon as possible. Typically, the intimation TAT is three
months. However, the insurer must notify within a
week after the incidence. You should report employee
information, employee code and policy number, date,
and cause of a loss to the insurer. Furthermore, timely
claim notification enhances the likelihood of speedy
and smooth claim resolution.
Conclusion:
NGI offers various plans of medical
insurance in multiple things. Our main
motto is medical coverage, cashless
claims, and saving your time and money.
We help to get all of those. We provide
you with the best insurance for you. You
can contact us on +971 4 211 5800.
Source
Contact Us
National General Insurance Co. PJSC (NGI)
Address: PO Box 154,
Levels Ground, 3, 5, 6, NGI House,
Port Saeed Street, Deira Dubai
Dubai – United Arab Emirates
Phone: + 971 4 211 5800
Website: https://ngi.ae/
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