Insurance Products

Accidental & Medical

A lump sum if an accident causes death or disablement — and reimbursement when illness or injury puts you in hospital.

Sanima GIC Accidental & Medical brings two protections together: accident cover that pays a lump sum for death or disablement, and medical cover that reimburses hospital treatment — and home treatment when hospitalisation isn't possible.

Choose Your Cover

Pick the level of cover you need

LUMP SUMS
Accidental Cover
Accidental death and disablement benefits, plus surgical, funeral and estate-handling expenses.
REIMBURSEMENT
Medical Cover
Hospital treatment for illness or injury — and home treatment when hospitalisation isn't possible.

Included

What you get

100% of the sum insured for accidental death or permanent total disablement (Accidental)
50% for loss of one limb or one eye; partial disablement as per the policy's benefit table (Accidental)
A monthly income while you recover from temporary disablement — 5% of the sum insured or Rs 20,000 per month, whichever is less (Accidental)
Surgical treatment expenses up to Rs 1 lakh (Accidental)
Hospital treatment reimbursed for illness or injury; home treatment for a named list of major conditions, or when no hospital bed is available (Medical)
Your sum insured grows by 5% at every claim-free renewal, up to the limit in your schedule (Medical)

Coverage Details

What's protected, and what isn't

Accidental death and permanent total or partial disablement
Temporary disablement income benefit
Surgical, funeral and estate-handling expenses
Hospital treatment for illness or injury after the first 30 days
Home (domiciliary) treatment for a named list of major conditions, or when a hospital bed isn't available

Before You Buy

Good to know

Cover starts only after the premium is paid.
Tell us within 7 days of hospitalisation or home treatment, and claim within 15 days of discharge. If you genuinely could not meet these, your claim is not automatically void.
Keep all original bills and medical certificates.
Treatment must be at a recognised hospital; home treatment needs our approval except in the named situations.
If you hold other insurance, we pay the balance beyond it.
Accident-section claims under Rs 2,500 are not admissible.

Claims

Claim in 4 steps

1
Notifywithin 7 days of hospitalisation or home treatment; fatal accidents also reported to police.
2
Treatat a recognised hospital; home treatment per the named list with our approval.
3
Documentoriginal bills and certificates; submit the claim within 15 days of discharge.
4
Settlebenefits paid per the schedule to you or your nominees.

Questions

Frequently asked questions

No — the medical part reimburses hospital treatment for illness or injury. Check-ups, dental, cosmetic care and rest cures are not covered.

Illness in the 30 days before the policy starts is not covered — unless you were continuously insured with us for the previous 12 months.

Yes — when hospitalisation isn't possible, no bed is available, or your doctor requires it, for a named list of major conditions such as kidney dialysis, open-heart surgery and malignancy. The full list is in your policy wording.

Yes — 5% is added at each claim-free renewal, up to the limit in your schedule.

Not unless declared and accepted — racing, mountaineering, diving, paragliding and similar are excluded.

Full terms, limits and rate tables live here — not on this page.