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Group Personal Accident
Policy Certificate Number: COI2312301107325744180816
RGICL Policy Reference ID: 130492329149264454
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Reliance General Insurance Company Limited.
(A company incorporated under Indian Companies Act, 1956 and licensed by Insurance Regulatory and Development Authority of
India (IRDAI) vide Regd.No.103)
Master Policy No. : 920292229140000330 UIN : RELPAGP01001V010001 CIN : U66603MH2000PLC128300 GSTIN : 06AABCR6747B1ZK
Group Manager: PhonePe Private Limited, Intermediary: PhonePe Insurance Broking Services Private Ltd. (IRDA/DB 822/20) |
A quick look at your
Certificate of Insurance
On receipt of full premium, Policy number COI2312301107325744180816, RGICL Policy Reference ID 130492329149264454,
has been issued on 30/12/2023 at Mumbai, by Reliance General Insurance Company Limited to the below mentioned Insured
as specified in the Policy.
The policy is issued to the customers of Phonepe Pvt Ltd, which bears the Master Policy No.920292229140000330 by an
authorised signatory of Reliance General Insurance Company Limited, and offers the benefits mentioned under the policy - not
exceeding the sum insured. Conditions and exclusions as per the filed policy wordings.
Valid in Number of members
India 1
Policy Certificate Number Risk start date Risk end date
COI2312301107325744180816 30/01/2024 28/01/2025
RGICL Policy Reference ID
130492329149264454
Who's covered
Saiprakash Adepu
26 year(s)
Insured Relationship with
SELF Sum Insured Rs.1,00,000
Proposer
Date of Birth 17-Sep-1997 Nominee Legal Heir
Email [email protected]
Premium
Net Premium Rs. 41.53
SGST (9%) Rs. 0.00
CGST (9%) Rs. 0.00
IGST (18%) Rs. 7.48
Gross Premium Rs. 49.00
Comprehensive coverage details
An extensive list of all benefits and their cover value in your policy
Accidental Death
Sum Insured: Rs.1,00,000
In case of injury occurred within twelve calendar months of the accident be
the sole and direct cause of death of of Insured Person, the capital sum insured stated in the
Policy schedule hereto, applicable to such Insured Person
The accident needs to have occurred during the policy period.
Permanent Total Disablement
Sum Insured: Rs.1,00,000
If such injury shall within twelve calendar months of its occurrence be the
sole and direct cause of the total and irrecoverable loss of:
Sight of both eyes, or of the actual loss by physical separation of two entire hands or two entire feet, or of one entire hand and one entire
foot, or of such loss of sight of one eye and such loss of one entire hand or one entire foot, the Capital Sum Insured stated in the Schedule
hereto applicable to such Insured Person.
Use of two hands or two feet, or of one hand and one foot, or of such loss of sight of one eye and such loss of use of one hand or one foot,
the Capital Sum Insured stated in the Schedule hereto, applicable to such Insured Person
The accident needs to have occurred during the policy period.
Special Conditions
This policy will be valid only to registered customers / members of PhonePe
The policy will be issued on self only basis and as per the name captured in the official ID of the customer at phonepe application. No
endorsements related to name will be allowed.
The Policy will not cover Insured / Insured Person who is less than 18 years and more than 65 years of age (as on completed Birthday).
Warranted that the policy risk start date shall commence post 30 days from premium payment date.
In case of Claim payment under Accidental Death (AD) or Permanent Total Disabilities (PTD) there will be no further claim accepted
either for AD or PTD.
The Company's total liability for an Individual in aggregate shall not exceed Individual Sum Insured issued in a single policy irrespective
of no. of Covers/Certificates issued. Given such scenario the first policy will be taken into consideration and all other policies would be
void-ab-initio and premium will be forfeited by Insurance company.
The policy is only applicable to earning individuals and Individual sum insured cannot be more than 100 times of the monthly gainful
income or sum insured specified whichever is less, subject to condition that no customer is involved in any hazardous activity.
At the time of claims settlement ITR/BoA/c's (books of accounts) will be verified, if the actual income is less than the income declared at
the time of purchase of policy, claims will be settled at substandard basis as per current income.
Claim proceeds shall be given to the Insured/nominee/family/legal heir of the deceased person as the case may be.
At the time of claim if there are any wrong declarations related to occupation/Income/Existing diseases/any other material information
the company reserves the right to reject the claim basis wrongful/mis declaration.
Once policy is issued, endorsement will be allowed basis risk evaluation.
The premium refund/cancellation of policy will be as per refund grid mentioned in the policy wording.
In the event of any incorrect representation, the liability shall be upon the Policyholder.
Important Notes and Major Exclusions
Liability to make payment for any claim under this policy with respect to an Insured Person, is subject to the following
Payment of benefits shall not be available in respect of death, injury or disablement directly or indirectly arising out of or contributed to
by or traceable to any disability existing on the date of issue of the policy
Intentional self-injury, suicide or attempted suicide or whilst under the influence of intoxicating liquor or drugs.
Professional sports team in respect of specific benefit for inability to perform
Venereal disease or insanity
Servicing-on duty with any armed forces
Terrorism, War, war-like situation, invasion or in consequence thereof or nuclear risk
Payment of compensation in respect of death, permanent total disablement of Insured person arising or resulting from the Insured
Person committing any breach of law with criminal intent
Crew of aircraft and ship naval, military, airforce personnel, policemen, firemen, Armed forces, fishermen are excluded from scope of
this policy
Animal bite/Insect/Snake bite is not covered
Employers' liability, occupational disease.
Perils of the sea are excluded from the scope of the policy.
Any loss sustained while performing or participating in any of the following occupations or events shall not be covered - Working in
mines, explosives, electrical installations on high tension electric lines, racing, circus personnel, skiing, mountaineering, hunting,
gliding, river rafting, winter sports, ice hockey, polo and occupations related to Risk category 3 people are out of scope of the policy
The above list of exclusions is not exhaustive. Kindly refer to the policy wordings for exclusions and Terms/Conditions.
Assistance
For claims, endorsements/modifications and cancellations, reach out to Reliance General Insurance Company Limited through
any of the following channels
National Toll Free Number
For 24*7 assistance,reach the insurer at
18003009
Email address
For emails,reach the insurer at
[email protected]
Postal Address
To contact insurer by postal mail,reach at
Reliance General Insurance, No. 1-89/3/B/40, to 42/ks/301, 3rd floor, Krishe Block, Krishe, Sapphire, Madhapur,
Hyderabad - 500001
For and On behalf of
Reliance General Insurance Co. Ltd
Authorized Signatory
Consolidated Stamp duty Paid vide Letter of Authorisation "NO.Enf-1/LOA/CSD/06/2023/4851/23(Validity Period Dt.29/11/2023 to Dt.01/11/2024)Date 30
Nov 2023" at General Stamp Office, Mumbai. ** Not Applicable for the State of Jammu & Kashmir
Customer Declaration
I, on behalf of all the insured [as stated by me], understand that this policy has been issued, purely based on the
information vis-à-vis declaration, as provided by me to PhonePe Insurance Broking Services Private Limited. I, further
understand that the policy shall not be valid from its inception [void ab initio], if any of such information provided by me,
stands incorrect. I fully understand that this policy shall not cover any pre-existing medical condition(s)/injury(ies)/illness(es)
/deformity(ies), complication(s) and likewise, arising from them, whether declared or undeclared.
I'm in good health with no history of disability(permanent or temporary)/trauma/stroke or any pre existing disease/disability
which can impact the underwriting decision of the policy, i also hereby confirm that i am not insured under any other
individual/Group Personal Accident insurance with any other insurance company where the total sum insured is exceeding
100 times of the monthly income. In case the same is found at the time of claims I authorise company to settle the claims
on proportionate basis.
This is an electronically generated document and does not require a signature.
Intermediary: PhonePe Insurance Broking Services Private Ltd. (IRDA/DB 822/20), IMD Code - 21BRG666, Phone - 022-68727888
