ADVISORY : PERSONAL ACCIDENT INSURANCE COVER TO SBIDSP

ACCOUNT HOLDER
1.
As part of MoU with Indian Army, all Defence Salary Package(DSP) Accounts holders
have been provided benefits of free Personal Accident Insurance (PAI) Death cover by SBI.
2.
The agencies involved for providing PAI Cover on behalf of SBI in last three years is as
given below:-

3.

(d)

From 04 Jan 12 to 03 Jan 13.

United India Insurance Company Ltd

(e)

From 04 Jan 13 to 03 Jan 14.

New India Assurance

(f)

From 04 Jan 13 to 03 Jan 14

Reliance General Insurance Company Ltd

(RGICL)

Insurance cover for DSP Account holders under the new policy of PAI is as under:Variant
(Card Holder)
Silver
Gold / Diamond
Platinum

4.

PAI
(Rs in Lakhs)
3
5
10

Purchase Protection
Cover (in Rs)
Rs. 5,000/Rs. 5,000/Rs. 5,000/-

Applicable to
JCO/OR
Offrupto Col
Brig & Above

The Free PAI cover and Purchase protection cover will be governed by the following:(a)

The PAI (Death) Cover will be available only for death due to an accident.

(b)
The PAI (Death) Cover will be available ONLY to Salary Package Accounts where
at least two months salary is credited to the account preceding the date of the incident.
(c)
The policy will be for existing as well as new Salary Package Account holders and
on ATM card issued to Salary Package Account holders.
(d)
Insurance cover will be available to all the Salary Package Account holders from
the date of opening/conversion of accounts under Salary Package and valid ATM
cardholders of the Salary Package Accounts from the date of the delivery of the card.
(e)

Only Primary Account Holders of Salary Package accounts are covered.

(f)
In case of multiple accounts related to a single CIF, ONLY ONE account where
salary is credited will be taken into consideration.
(g)
Pensioners of DSP as well as joint account holders are not included under this
policy
(h)

Death due to Terrorist action is included.

(j)

The Claimant on Death of the primary Salary Account holder shall be:
(i)
The nominee, registered with the bank for the SB account held in single
name.
(ii)
In case of accounts having more than one name, the surviving account
holder/s would be the claimant(s)/beneficiaries for the purpose of insurance claim.

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5.
Intimation of Incident.
In the event of death of the Salary Account holder, intimation
as per Annexure 3 of Appx attached is to be given by Claimant to RGICLwithin 90 Days of the
incident.
(a)

The intimation is to be sent on the following address:Reliance General Insurance Co. Ltd.,
4-1-327 to 337,
4th Floor, Sagar Plaza, Abids Road,
Hyderabad 500 001
Andhra Pradesh
Email :rcarehealth@rcap.co.in
Toll free Number: 1800 3009
Fax: 18000 3010 3001

(b)
Intimation can be by tele, email or fax. The following details are to be provided
when giving information:(i)

Name of the deceased salary packaged account number.

(ii)

SBIsalary package account number.

(iii)

Date of accident.

(iv)

Cause of accident.

(v)

Place of accident.

6.
Submission of Claim.
The claim to be submitted as per Annexure 4 of the Appx
attached within 90 Days after the date of intimation of incident alongwithdocus as mentioned
below (Also ref Para 5 of Annexure 2 to appxatt):(a)

Attested copy of Death Certificate.

(b)

Attested copy of police report and F.I.R.

(c)

Attested copy of Post Mortem Report.

(d)

Cert by the Home Branch of the Salary Package Account as per Annexure 5

(e)
Cancelled cheque leaf of claimants Bank account/ Photo copy of the first page of
the Bank Pass Book containing the name of account holder, Bank account number, IFS
code
(f)
NEFT form containing details of claimants Account Number (i.e. Bank, Branch,
Account No, MICR Code No, and IFSC No) as per Annexure 6 certified by claimants
Bank, for the purpose of payment in respect of settlement of claim.

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(g)
PAN card copy of the Claimant. If PAN card copy is not available, then form 60
may be submitted.
(h)
Other suitable document to prove legal heirship in case claimant is not a
nominee/joint account holder as per Banks record
(j)

For Armed forces, Defence authority report in case FIR is not available.

(k)
Additional requirement: Viscera Report / chemical analysis report in case where
post mortem report shows the cause of death due to poisoning or alcohol or any
substance abuse.
7.

The contact details for submission of claim are as given above in para5.

8.
The other conditions and guidelines in detail are given in SBI letter NO PB/C&17U/2008
dated 27 Jan 2014. (Copy enclosed as Appx) The claimant in also suggested to approach
dealing SBI branch maintaining the DSP Account of indl for necessary guidance.
9.
It has been viewed that claimants are still forwarding their claims to older agencies,
thereby missing on crucial period of intimation. This is leading to non admissibility of the
claim amount and causing financial loss to the grieved NOK. It is therefore requested to
disseminate the above mentioned information to all formations and units under command at the
earliest so that necessary action can be taken accordingly in case of any untoward incident.

Annexure 2
PERSONAL ACCIDENT INSURANCE DEATH COVER (PAI) AND PURCHASE
PROTECTION COVER (PP): CLAIM PROCESS

Policy
Number:

Personal Accident Insurance (Death)

1111 3429 1400 0034

Purchase Protection

1111 3429 1100 0028

A) FOR ACCIDENTAL DEATH CLAIMS

1.
The claim process consists of 2 stages :
a) Intimation of death
b) Submitting the claim forms
2. In the event of death of the Salary Package account holder, an Intimation as
per Annexure 3 is to be given by the claimant to RGICL within 90 days of the
death of the customer. The intimation of death of Salary Package Account
holder can be sent to the following address:
Reliance General Insurance Co. Ltd.,
4-1-327 to 337,
4th Floor, Sagar Plaza, Abids Road,
Hyderabad 500 001
Andhra Pradesh
Email : rcarehealth@rcap.co.in
3.

The intimation can also be given through the following channels:

a) Call RGICL call centre on Toll Free Number 1800 3009
b) Fax complete claim intimation form (Annexure 3) to 1800 3010 3001.
c) Email complete claim intimation form (Annexure 3) to
rcarehealth@rcap.co.in
(The following details are to be provided to on toll free number
a) Name of the deceased salary package account holder
b) SBI salary package account number
c) Date of death
d) Date of accident
e) Cause of accident
f) Place of accident

4. Immediately on registering the claim, a reference number would be advised to

the claimants by RGICL.
5. The claimant shall submit the claim as per Annexure 4 to the address
mentioned under para 2 above, within 90 days after intimation of death with
the following documents:
a) Attested copy of Death Certificate
b) Attested copy of police report and F.I.R.
c) Attested copy of Post Mortem Report.

d) Certificate by the Home Branch of the Salary Package Account as per

Annexure 5
e) Cancelled cheque leaf of claimants Bank account/ Photo copy of the first
page of the Bank Pass Book containing the name of account holder, Bank
account number, IFS code
f) NEFT form containing details of claimants Account Number (i.e. Bank,
Branch, Account No, MICR Code No, and IFSC No) as per Annexure 6
certified by claimants Bank, for the purpose of payment in respect of
settlement of claim.
g) PAN card copy of the Claimant. If PAN card copy is not available, then
form 60 may be submitted.
h) Other suitable document to prove legal heirship in case claimant is not a
nominee/joint account holder as per Banks record
i) For Armed forces, Defence authority report in case FIR is not available.
j) Additional requirement: Viscera Report / chemical analysis report in case
where post mortem report shows the cause of death due to poisoning or
alcohol or any substance abuse.
6. Claimant will submit claim with relevant documents mentioned under Para 5
above directly to RGICL. The claimant must mention the system
generated Claim Number/ Salary Account Number while sending the
physical documents. The claim number or account number can be used for
any further follow up with the RGICL claim department.
7. However in exceptional cases, if the claim application is received by the
branch having the Salary Account, it will be forwarded to RGICL for
processing at their end and a copy of the same will be endorsed to the
claimant to enable him/ her to pursue subsequently with RGICL.
8. The total period for intimation and claim submission is 180 days maximum
i.e. period for intimation + claim = 90 + 90 = 180 maximum
9.

RGICL will settle claims independently without the involvement of the Bank.
The Bank will not be a party to any dispute between the claimant and RGICL.
10. Subsequent correspondence shall be between the claimant and RGICL.
11. All claims shall be entertained by RGICL where accident has occurred within
the period of policy and death has occurred:
a) within the period of policy or
b) after the expiry of policy
B) FOR PURCHASE PROTECTION COVER CLAIMS
1. The claimant has to intimate RGICL on discovery of theft or burglary (within a
maximum of 10 days by calling RGICL call centre on Toll free No. 1800 3009.
2. Following information to be provided while intimating the claim :
a) Name of the Insured (Salary Package Account Holder)
b) Address
c) SBI Salary Package account no

d)
e)
f)
g)
h)

ATM Card No
Date of loss
Details of items lost
Place of loss
Contact number and email address of salary account holder

3. The unique claim number generated by the system and advised on the toll free
number should be provided as reference number on all further
correspondence/ communication with RGICL.
4. The claimant should submit the following documents for claims:
i.
ii.
iii.
iv.

Claim Form as per Annexure 8 duly filled and signed by the claimant
Attested copy of F.I.R.
Original Cash Memo
Charge slip indicating purchase of stolen goods was made through ATM
Card
v. Original cancelled cheque of bank account on the name of the claimant
or NEFT form (Annexure 9) of claimant.

5. The claimant should submit the claim together with documents mentioned
under para B(4) above to the following address :
Reliance General Insurance Company Limited,
210, Sai Infotech, R B Mehta Marg
Patel Chowk, Ghatkopar (East)
Mumbai 400 077
6. The purchase protection will be available up to 60 days from the date of
purchase excluding perishable items if purchase takes place within the policy
period.
7. Bank will not be a party to any dispute between the card holder and RGICL.
Such claims will be settled on production of the bill of purchases made using
Debit Card and the declaration by the card holder.
C) Forms: forms/ certificates and respective Annexures are:
Cover

PAI

PP

Forms/Certificate
PAI Claim Intimation Form
PAI Claim Form
Branch Managers Certificate
NEFT Form for the Claimant
(for internal use)
PP Claim Form
NEFT Form for the Claimant

Annexure No.
Annexure 3
Annexure 4
Annexure 5
Annexure 6
Annexure 7
Annexure 8
Annexure 9

D) Settlement by Insurance Company.

1. Claimants will submit claims either directly to RGICL or through Branch of the
Bank concerned.
2. On receipt of the claim, RGICL will send an acknowledgement to the
claimant/sender.
3. RGICL will, on receipt of complete set of documents, process the claim. Any
requirement/deficiencies in the documents submitted, shall be sought by
RGICL within 10 working days of receipt of the claim.
4. All the documents being in order, RGICL will settle the claim within 15 working
days from the date of receipt.
5. All the correspondence related to claim will be directly taken up by RGICL
with the claimant. Branch can be a facilitator.
6. All the settlement/ disputes will be between the claimant and RGICL and the
Bank will not be a party to such disputes and shall have no liability
whatsoever in respect thereof.
7. RGICL will settle claims independently and the claim settlement will be
entirely the responsibility of RGICL. Bank will not be a party and have no
liability towards any claim/dispute between the claimant and RGICL.
8. In case of any delay RGICL shall pay interest as per IRDA Norms.
9. Status of the claims in process can be sought from any one of the following
channels by quoting the system claim number obtained after lodging of claim :
Sl.
No
1.

Channel

Details
Toll free No. 1800 3009

2.

RGICLs call
centre
Message

3.

Email

4.

Website

Claimstatus<space><claim number> to RGICL Toll

free No. 09266334477
Claim reference No to rcarehealth@rcap.co.in
www.reliancegeneral.co.in/insurance/index.aspx
Navigation: Under Claim Junction tab>write claim
number>click -Track Now

10. Grievance in Claim settlement: If the claimant has a grievance that he/she
wants the Insurer to address, he/she may contact the insurer with the details
of his grievance though:
Sl.
No
1.
2.
3.

Channel

Details

Email
Telephone
Letter

services.rgicl@rcap.co.in/
1800 3009
Address:
Reliance General Insurance Co. Ltd.,
4-1-327 to 337,
4th Floor, Sagar Plaza, Abids Road,
Hyderabad 500 001
Andhra Pradesh

11. The Claim escalation matrix for PAI (Death) and PP claims are as under:
CLAIM
PAI
(Death)

PP

Level
st

1
2nd
3rd
4th

Name

Email ID

Mobile No.

Yaksharaaj Vengala
Akula Ventateshwara Rao
Akansha Chaudhary
Mahesh Yelapure
Anupam Shukla

yakshraaj.vengala@rcap.co.in
venkateswara.akula@rcap.co.in
akansha.chaudhary@rcap.co.in
mahesh.yelapure@rcap.co.in
Anupam.shukla@rcap.co.in

7569043462
7569073785
9390579521
7569046184
9022942449

12. The details of Insurance ombudsman are also available on IRDA website:
www.irda.gov.in, and on website of General Insurance Council:
www.generalinsurancecouncil.org.in and RGICLs website.