Acko General Insurance Limited

Key Terms - Group Domestic Travel Insurance Policy

Terms & Conditions

This is a summary of the key terms under the Group Domestic Travel Product (“Policy”) offered by Acko General Insurance Limited (“Acko”) to ANI Technologies Private Limited (“Ola”) subject to the receipt of premium in full in respect of the Insured Persons and the terms, conditions and exclusions of underlying Policy. The covers available under the Policy can be availed by the registered users on the Ola platform (website or mobile application) by selecting the option of trip insurance to insure their trip while booking the cab (“booked cab”) with Ola.

The insurance cover under the Policy will be applicable only to the trips booked through the Ola platform. The Insurance cover under the Policy starts when customer boards the cab and starts the trip, and lasts till the customers alights from the cab and ends the trip. The customer is covered only when he/she is travelling in the booked cab and the accident occurs while he/she or his/her baggage is present in the booked cab subject to other terms and conditions under the policy.

Key Benefits Definition

Key benefits available under the Policy along with the applicable limits / deductible / Excess for all travellers (Insured Person or passengers) will be specified in the Certificate of Insurance issued at the time of policy purchase.

Insured Person: Person who has booked the Ola cab, purchased insurance, and is travelling in the cab.

Passengers: Person(s) who are travelling in the cab and is insured by someone else who has booked the cab.

Accidental Death Benefit

If an Insured Person suffers an Injury due to an Accident that occurs during the Travel Period and Injury solely and directly results in the Insured Person’s death within 365 days from the date of the Accident, Acko will pay the Sum Insured.

Permanent Total Disability

If an Insured Person suffers an Injury due to an Accident that occurs during the Travel Period and that Injury solely and directly results in the Permanent Total Disability of the Insured Person which is of the nature specified in the table below, within 365 days from the date of the Accident, Acko will pay the Sum Insured:

Nature of Permanent Total Disability
Total and irrecoverable loss of sight in both eyes
Loss by physical separation or total and permanent loss of use of both hands or both feet
Loss by physical separation or total and permanent loss of use of one hand and one foot
Total and irrecoverable loss of sight in one eye and loss of a Limb
Total and irrecoverable loss of hearing in both ears and loss of one Limb/ loss of sight in one eye
Total and irrecoverable loss of hearing in both ears and loss of speech
Total and irrecoverable loss of speech and loss of one Limb/ loss of sight in one eye
Permanent, total and absolute disability (not falling under any one the above) which results in the Insured Person being unable to engage in any employment or occupation or business for remuneration or profit, of any description whatsoever which results in Loss of Independent Living

Permanent Partial Disability

If an Insured Person suffers an Injury due to an Accident that occurs during the Travel Period and that Injury solely and directly results in the Permanent Partial Disability of the Insured Person which is of the nature specified in the table below within 365 days from the date of the Accident, Acko will pay the amount specified in the table below:

Nature of Permanent Partial Disability Percentage of the Sum Insured payable
i. Total and irrecoverable loss of sight in one eye 50%
ii. Loss of one hand or one foot 50%
iii. Loss of all toes - any one foot 10%
iv. Loss of toe great - any one foot 5%
v. Loss of toes other than great, if more than one toe lost, each 2%
vi. Total and irrecoverable loss of hearing in both ears 50%
vii. Total and irrecoverable loss of hearing in one ear 15%
viii. Total and irrecoverable loss of speech 50%
ix. Loss of four fingers and thumb of one hand 40%
x. Loss of four fingers 35%
xi. Loss of thumb- both phalanges 25%
xii. Loss of thumb- one phalanx 10%
xiii. Loss of index finger-three phalanges 10%
xiv. Loss of index finger-two phalanges 8%
xv. Loss of index finger-one phalanx 4%
xvi. Loss of middle/ring/little finger-three phalanges 6%
xvii. Loss of middle/ring/little finger-two phalanges 4%
xviii. Loss of middle/ring/little finger-one phalanx 2%

Accidental Medical Expense Reimbursement

If an Insured Person suffers an Injury due to an Accident that occurs during the Travel Period and that Injury solely and directly requires the Insured Person to be Hospitalized or undergo Day Care Treatment, then Acko will reimburse the costs incurred on Medical Expenses upto limit specified in Certificate of Insurance.

OPD Treatment

If an Insured Person suffers an Injury due to an Accident that occurs during the Travel Period and that Injury solely and directly requires the Insured Person to undergo OPD Treatment for any of the treatments/tests/consultations specified in the Certificate of Insurance or for treatment of fractures, burns or Dental Treatment then Acko will reimburse the costs incurred on Medical Expenses.

Hospital Daily Allowance

If an Insured Person suffers an Injury due to an Accident that occurs during the Travel Period and that Injury solely and directly requires the Insured Person to be Hospitalized then Acko will pay the daily allowance amount specified in the Certificate of Insurance, for each continuous and completed period of 24 hours of Hospitalisation.

Repatriation of Mortal Remains

We will reimburse the expenses incurred for transportation of mortal remains from the place of death to the residence of the Insured Person.

Ambulance Transportation Cover

If the Insured Person suffers an Injury due to an Accident and such Injury requires the Insured Person to be transported to the Hospital by an Ambulance, then We shall reimburse the costs incurred upto the limit specified in the Certificate of Insurance on the transportation of the Insured Person by the Ambulance to the Hospital.

Evacuation (Medical & Catastrophe)

We will reimburse the costs incurred for the air or surface transportation of the Insured Person during the Travel Period (and an attending Medical Practitioner if it is certified in writing as being medically necessary) including costs incurred for medical care during such transportation.

Trip Delay

Acko will pay the amount specified in the Certificate of Insurance if an Insured Person’s journey on a Common Carrier (Ola Cab) is delayed beyond the number of hours specified in the Certificate of Insurance of its scheduled departure or scheduled arrival time, during the Travel Period.

Loss of Baggage and Personal Effects

Acko will reimburse the actual loss upto the limit specified in the Certificate of Insurance incurred in relation to the permanent and total loss of the Insured Person’s luggage and personal possessions during the Travel Period.

Electronic Equipment Cover

Acko will reimburse the actual loss incurred up to the amount specified in the Certificate of Insurance in relation to the permanent and total loss of the Insured Person’s Portable Electronic Equipment due to any Accidental damage, loss or theft during the Travel Period.

Any amount payable under this Cover Benefit shall be adjusted for depreciation as per the percentage specified below:

AGE OF THE EQUIPMENT DEPRECIATION % (ON INVOICE VALUE)
i. Not exceeding 1 year 20%
ii. Exceeding 1 year but not exceeding 2 years 40%
iii. Exceeding 2 years but not exceeding 3 years 50%
iv. Exceeding 3 years but not exceeding 4 years 60%

Home Insurance Cover

We will reimburse any actual loss incurred upto the limit specified in the Certificate of Insurance during the Travel Period towards any theft of personal possessions or property stored within the Insured Person’s usual place of residence that was left vacant for the duration of the Travel Period.

Fire and Allied Perils (Home Building & Contents)

In consideration of the Insured named in the Schedule hereto having paid to us, the full premium mentioned in the said schedule, we, (Subject to the Conditions and Exclusions contained herein or endorsed or otherwise expressed hereon) that if after payment of the premium the Property Insured described in the said Schedule or any part of such Property be destroyed or damaged by any of the perils specified hereunder during the period of insurance named in the said schedule or of any subsequent period in respect of which the Insured shall have paid and the We shall have accepted the premium required for the renewal of the policy, We shall pay to the Insured the value of the Property at the time of the happening of its destruction or the amount of such damage or at its option reinstate or replace such property or any part thereof.

Emergency Hotel Requirement

Acko will reimburse the costs upto the limit specified in the Certificate of Insurance towards the stay of the Insured Person in a hotel due to the Insured Person or any Immediate Relative travelling with the Insured Person suffering Injury in an Accident or Illness or Hospitalization during the Travel Period.

Special Conditions:

General Conditions:

General Exclusions:

We shall not be liable to make any payment for any claim under the Policy in respect of an Insured Person, directly or indirectly for, caused by, arising from or in any way attributable to any of the following, except where provided to the contrary under any Benefit(s) within the Policy:

  1. Suicide or attempted suicide, intentional self-inflicted Injury or acts of self-destruction, whether the Insured Person is medically sane or insane.
  2. Bacterial infections (except pyogenic infection which occurs through a cut or wound due to Accident).
  3. Medical or surgical treatment except as necessary solely and directly as a result of an Accident.
  4. Certification of disability by a Medical Practitioner who shares the same residence as the Insured Person or who is a member of the Insured Person’s family.
  5. Death, disability or illness resulting directly or indirectly, contributed or aggravated or prolonged by childbirth or from pregnancy or a consequence thereof including ectopic pregnancy unless specifically arising due to Accident.
  6. Death, disability or illness caused by participation of the Insured Person in any flying activity, except as a bona fide passenger on a public aircraft, which is operating under a valid license from the relevant authority for the transportation of passengers.
  7. Death, disability or illness or Injury arising from or caused by ionizing radiation or contamination by radioactivity from any nuclear fuel (explosive or hazardous form) or resulting from or from any other cause or event contributing concurrently or in any other sequence to the loss, claim or expense from any nuclear waste from the combustion of nuclear fuel, nuclear, chemical or biological attack.
  8. Any journey where the Insured Person is travelling as a commercial driver, operator or crew member in, or carrying out any testing or repairs on a Common Carrier.
  9. Any intentional illegal or unlawful act or confiscation, detention, destruction by customs or other authorities or any breach of government regulation.
  10. Any failure to take reasonable precautions to avoid a claim under the Policy following a mass media or government issued warning.
  11. Any event arising from or caused due to use, abuse or a consequence or influence of an abuse of any substance, intoxicant, drug, alcohol or hallucinogen.
  12. Any breach of law or participation of the Insured Person in an actual or attempted felony, riot, crime, misdemeanour or civil commotion with criminal intent.
  13. Any act of foreign invasion, act of foreign enemies, hostilities, warlike operations (whether war be declared or not or while performing duties in the armed forces of any country during war or at peace time), and participation of the Insured Person in any naval, military or air-force operation, civil war, public defence, rebellion, revolution, insurrection, military or usurped power.
  14. Engaging in any Hazardous Activities, testing of any kind of Common Carrier, engaging in manual work during a journey, engaging in any offshore work activity, mining, tunnelling or any work involving electrical installation with high tension supply, aerial photography, ammunition, explosives, firearms or flight duty, except as a fare-paying passenger.
  15. Any journey commenced when You are not fit to travel or are travelling against the advice of a Medical Practitioner.
  16. Chemical attack or weapons means the emission, discharge, dispersal, release or escape of any solid, liquid or gaseous chemical compound which, when suitably distributed, is capable of causing any Illness, incapacitating disability or death.
  17. Biological attack or weapons means the emission, discharge, dispersal, release or escape of any pathogenic (disease producing) microorganisms and/or biologically produced toxins (including genetically modified organisms and chemically synthesized toxins) which are capable of causing any Illness, incapacitating disability or death.
  18. Any generally excluded non-medical expenses as provided in Annexure I of underlying Policy.

The following general exclusions as stated in the Policy will not apply to the customers of Ola:

Claim & Documents:

Traveller can file a claim for any of these coverages on Ola App, Ola Website, Acko Mobile App or Acko Website. Alternatively, reach to Ola or Acko at the Contact number provided below for registration of claim:

Acko: 1860 266 2257.

Traveller needs to submit following documents in case of a claim:

Claim Process on the Ola App:

Claim Process on the Acko Website:

Grievance Redressal

For resolution of any query or grievance, the You/Insured Person may call Us at Insurance Helpline Number: 1860 266 2257, or write an e-mail at: grievance@acko.com.

In case the You/Insured Person is not satisfied with the resolution, the You/Insured Person may write to Our Grievance Redressal Officer at the following address:

Grievance Redressal Officer
Acko General Insurance Limited
3rd Floor, F-wing,
Lotus corporate park, Goregaon East,
Mumbai – 400063
grievance@acko.com

In case Your complaint is not fully addressed by Us, You may use the Integrated Grievance Management System (IGMS) for escalating the complaint to IRDAI. Through IGMS, the insured can register the complaint online and track its status. For registration, please visit IRDAI website www.irdai.gov.in.

If the issue still remains unresolved, You/Insured Person may, subject to vested jurisdiction, approach the Insurance Ombudsman for the redressal of grievance.

Please note that. Please note that this is only a basic description of the key terms of the Policy, and the full list of policy conditions and exclusions are available at: http://www.acko.com/download

Once you have opted for cover, you will receive a Certificate of Insurance from Acko which will contain complete details of your cover under the Policy, and the applicable conditions and exclusions.

Acko General Insurance Limited

3rd Floor, F-wing, Lotus Corporate Park, Goregaon East, Mumbai, Maharashtra 400063

IRDAI Reg No: 157 | CIN: U66000MH2016PLC287385 | UIN: ACKTGDP18115V021718

www.acko.com | Insurance Helpline Number: 1860 266 2257 | Mail: olacare@acko.com