Acko General Insurance Limited Key Terms - Group Personal Accident Product

UrbanClap T&Cs

This is a summary of the key terms under the Group Personal Accident Product (“Policy”) offered by Acko General Insurance Limited (“Acko”) to UrbanClap Technologies India Pvt Ltd ("UrbanClap") 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 only by registered UrbanClap service professionals. The insurance coverage period under this policy is valid as mentioned in the Certificate of Insurance.

Key Benefits

Key benefits available under the Policy for service professionals 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	6,00,000
Medical Expense Reimbursement	70,000
Hospital Daily Allowance	200 per Day of hospitalization (Max. 1,400)	Maximum 7 days of Accidental hospitalization covered
OPD Treatment	10,000	Only provided in case of an Accident
Ambulance Transportation Cover or Emergency Medical Evacuation	2,000	Sum Insured Common with Ambulance Transportation Cover
Funeral Expenses	10,000
Child Education Cover	60,000
Mobility Cover	2,500	Covers only Wheelchair and Crutches
Loan Protector	50,000	For loans from authorized NBFCs and Scheduled Banks
Outstanding Bills Protection Benefit	10,000
Repatriation of Mortal Remains	10,000

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.

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:

1. Any Pre-Existing Disease or any Injury or disability arising out of a Pre-Existing Disease or any complication arising therefrom.
2. Suicide or attempted suicide, intentional self-inflicted Injury or acts of self-destruction, whether the Insured Person is medically sane or insane.
3. Mental Illness including psychiatric conditions, mental disorders, disturbances of consciousness, strokes, fits or convulsions which affect the entire body and pathological disturbances caused by mental reaction to the same.
4. Working in underground mines, tunnelling or explosives, or involving electrical installation with high tension supply, or as jockeys or circus personnel, or engaging in Hazardous Activities.
5. Any change of profession after inception of the Policy which results in the enhancement of Our risk under the Policy, if not accepted and endorsed by Us on the Certificate of Insurance.
6. Bacterial infections (except pyogenic infection which occurs through a cut or wound due to Accident).
7. Medical or surgical treatment except as necessary solely and directly as a result of an Accident.
8. 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.
9. Death or disability directly or indirectly caused by or associated with any venereal disease or sexually transmitted disease.
10. Death or disability directly or indirectly caused due to or associated with human T-call Lymph tropic virus type III (HTLV-III or IITLB-III) or Lymphadinopathy Associated Virus (LAV) and its variants or mutants, Acquired Immune Deficiency Syndrome (AIDS) whether or not arising out of HIV, AIDS related complex syndrome (ARCS) and any injury caused by and/or related to HIV.
11. Death or disability 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. Death or disability arising or resulting from the Insured Person committing any breach of law or participating in an actual or attempted felony, riot, crime, misdemeanour or civil commotion with criminal intent.
13. Death or disability 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.
14. Death or disability caused by participation of the Insured Person in any flying activity, except as a bona fide, fare-paying passenger of a recognized airline on regular routes and on a scheduled timetable.
15. Death or disability arising out of or attributable to 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), participation in any naval, military or air- force operation, civil war, public defence, rebellion, revolution, insurrection, military or usurped power.
16. Death or disability 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.
17. Death or disability caused other than by an Accident.
18. 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.
19. 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.

Claim & Documents:

Customer can file a claim for any of these coverages by informing UrbanClap about the incident. Alternatively, the customer can email Acko on [email protected] or call on the Contact number provided below for registration of claim:

Acko: 1800 266 2256

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.

Grievance Redressal

For resolution of any query or grievance, the You/Insured Person may write an e-mail at: [email protected]

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
36/5, Hustlehub One East, Somasandrapalya,
27th Main Rd, Sector 2, HSR Layout,
Bengaluru, Karnataka 560102
[email protected]

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.irdaindia.org.

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 this list is only indicative, 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.