What you need to know
All permanent employees are automatically enrolled in group personal accident insurance at no cost to you. This insurance offers different levels of financial protection—anywhere you go, 24/7. Keep in mind this coverage is for you only and does not extend to your dependants.
Accident insurance at a glance
| Sum insured | 4 times your annual base salary |
| Accidental death (AD) | Covered, 100% of sum insured |
| Permanent total disability (PTD) | Covered, 100% of sum insured |
| Permanent partial disability (PPD) | Covered, as per the schedule |
| Temporary total disability (TTD) | 1% of the sum insured, subject to a maximum of INR 5,000 per week or actual weekly salary, whichever is less for 100 weeks |
Other extensions
- Educational grant for children: A welfare fund for dependent children (up to age 25) in case of the death of the employee, up to INR 10,000 per child (restricted to 2 children)
- Repatriation of remains: Covered up to INR 10,000 or actual, whichever is less
- Medical expenses: 40% of the admissible claim amount or 10% of SI, whichever is less