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Acko General Insurance Limited Key Terms - Group Domestic Travel Product |
Rapido Passenger Terms & Conditions
This is a summary of the key terms under the Group Domestic Travel Insurance Policy (“Policy”) offered by Acko General Insurance Limited (“Acko”) to Roppen Transportation Services Private Limited (“Rapido”) 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 user/customers on the Rapido platform (mobile application) by selecting the option of travel insurance to insure their travel personal accident under the Policy.
The insurance cover under the Policy will be applicable only to the trips booked through the Rapido platform. The Insurance cover under the Policy starts when customer boards the bike driven by a Rapido driver and lasts till the customers alights from the bike and ends the Rapido’s trip. The maximum period of coverage is 24 hours for all trips.
1. Key Benefits
Key benefits available under the Policy for Rapido Passengers as specified in the Certificate of Insurance:
| Coverage | Sum Insured (INR) | Additional Conditions |
|---|---|---|
| Accidental Death Benefit or Permanent Total Disability and/or Permanent Partial Disability | 5,00,000 | |
| Temporary Total Disability | INR 16,666.67 per month of disability for a maximum upto INR 2,00,000 | The first benefit will be payable only if the total disability period exceeds 30 days. The subsequent benefit after the first benefit under the cover will be paid at the end of each month if the disability exceeds 1 month from the last paid benefit under this cover. |
| Accidental Medical Expense Reimbursement | 1,00,000 | Minimum Hospitalization of 24 hours |
| OPD Treatment | 3,000 | Deductible: INR 500 on each claim |
| Funeral Expenses | 5,000 | |
| Loan Protector | 1,00,000 | For loans from authorized NBFCs and Scheduled Banks |
2. General Conditions:
- We should be given immediate written notice of any event that may give rise to a claim under the Policy, in accordance with the claims procedure under the Policy;
- All claims made under the Policy will be subject to the applicable deductible, any sub-limits and the availability of the Sum Insured.
- The Policy does not cover any contractual and consequential liability, except as covered in the Policy or the Certificate of Insurance issued to the customer.
3. General Exclusions:
Acko 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:
- Suicide or attempted suicide, intentional self-inflicted Injury or acts of self-destruction, whether the Insured Person is medically sane or insane.
- Bacterial infections (except pyogenic infection which occurs through a cut or wound due to Accident).
- Medical or surgical treatment except as necessary solely and directly as a result of an Accident.
- 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.
- Death, disability or illness directly or indirectly caused by or associated with any venereal disease or sexually transmitted disease.
- 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.
- 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.
- 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.
- 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.
- Any intentional illegal or unlawful act or confiscation, detention, destruction by customs or other authorities or any breach of government regulation.
- Any failure to take reasonable precautions to avoid a claim under the Policy following a mass media or government issued warning.
- 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.
- 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.
- 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.
- 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.
- Any journey commenced when You are not fit to travel or are travelling against the advice of a Medical Practitioner.
- 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.
- 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.
- Any generally excluded non-medical expenses as provided in Annexure I of the underlying policy.
The following general exclusions as stated in the Policy will not apply to Rapido Customers:
- Any change of profession after inception of the Policy which results in the enhancement of the risk under the Policy, if not accepted and endorsed by Acko on the insurance certificate or insurance.
- Any journey commenced to obtain medical care, treatment or advice of any kind whether is the sole purpose of customers journey or not.
4. Claim & Documents:
The Rapido Customer can file a claim for any of these coverages on the Acko Website. Alternatively, he/she can reach Acko at the Contact number(s)/Email Id provided below for registration of claim:
Acko: 1800 266 2256 and Email id: [email protected]
The Insured needs to submit following documents in case of a claim:
- Hospital bills, prescriptions and discharge summary in case of medical treatments.
- Respective certificates & reports in case of death or disability.
- Any other documentation that Acko may require upon intimation of claim.
- For payment we will require a cheque/ cancelled cheque from the claimant.
Claims process for Rapido Customer on Acko Website:
- Go to www.acko.com and Login with your mobile number registered on Rapido and enter the OTP you receive.
- Under the ‘Claims’ section, select ‘Rapido Passenger Claims’ which opens your ‘My Account’ page
- Select the trip for which you want to claim insurance, which will take you to the policy detail page. Click on Initiate Claim to claim.
- Select the type of claim, follow the next few steps, and your claim will be registered with Acko.
5. Definitions
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% |
Temporary 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 disability of the Insured Person which prevents the Insured Person from engaging in any employment or occupation on a temporary basis, then Acko will pay the amount specified in the Certificate of Insurance at the frequency specified in the Certificate of Insurance for the duration that the Temporary Total Disability continues.
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.
Funeral Expenses:
Acko will pay the amount specified in the Certificate of Insurance towards expenses on the funeral, cremation/ or burial and transportation of the body to the place of the funeral ceremony for the Insured Person.
Loan Protector:
If an Insured Person suffers an Injury due to an Accident that occurs during the Coverage Period, Acko will pay an amount equal to the Insured Person’s outstanding principal amount of Loan, subject to this amount not exceeding the amount specified in the Certificate of Insurance.
6. Grievance Redressal
For resolution of any query or grievance, insured may write an e- mail at [email protected]. In case the insured is not satisfied with the response of the office, insured may contact the Grievance Officer of the Company at the following address:
Grievance Redressal Officer
Acko General Insurance Limited
36/5, Hustlehub One East, Somasandrapalya,
27th Main Rd, Sector 2, HSR Layout,
Bengaluru, Karnataka 560102.
In the event of unsatisfactory response from the Grievance Officer, he/she may, register a complaint in the Integrated Grievance Management System (IGMS) of the IRDAI.
Where the grievance is not resolved, the insured may, subject to vested jurisdiction, approach the Insurance Ombudsman for the redressal of grievance.
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
36/5, Hustlehub One East, Somasandrapalya, 27th Main Rd, Sector 2, HSR Layout, Karnataka 560102
IRDAI Reg No: 157 | CIN: U66000MH2016PLC287385 | UIN: ACKTGDP18115V021718
www.acko.com | Insurance Helpline Number: 1800 266 2256 | Mail: [email protected]