Rupay India Debit Card
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Eligibility criteria:
The claim under Personal Accident Insurance shall be payable only if the card holder has carried out at least one transaction i.e. at a Merchant Establishment/ATM /ecommerce /Micro ATM/Business Correspondent of the bank at locations, within 90 days for RuPay Classic card prior to the date of accident including accident date. The Personal Accident Insurance (Death and Permanent Total Disability) would be an Open policy for any kind of accident leading to death or disability.
Yes, as an exception in such cases the cover is still valid and claim can be intimated
Accident or Accidental means a sudden, unforeseen and involuntary event caused by external and visible means.
Now you can protect yourself with Personal Accident Insurance against accidental injuries. The policy provides the benefits to you, for Accidental Death and Permanent Disability.
No. Personal accident policy covers Death occurring due to accidents or accidental injuries.
Sum Insured of Rs. 2 lakh for Kotak RuPay Debit Card holders.
Personal Accident Insurance is open to everyone from the age of 18 years to 65 years. Age near birth shall be considered.It may be noted that age below 18 and beyond 65 year will not be eligible.
Yes. The accident policy will cover you even if you are out of the country. Claim will be paid in Indian rupees as per the sum insured on submission of required documentation. There is no negative list of countries.
The beneficiary could be any member of your family or legal heir or nominee or as per competent court order.
In case of multiple beneficiaries the claim is settled in the name of heir against which we have received legal heir certificate.
Please fill the entire documents as per the checklist and submit the same to the nearest Kotak Mahindra Bank branch.
Accidental Death Claim Forms:-
The claims will be settled in 10 working days from the date of receiving the complete documents set by insurance company and assessment of entitlement.
Yes. It will be an additional cover over the existing insurance.
Yes. It will be an additional cover over the existing insurance.
The exclusions under the policy are as follows:
The Insurance policy is applicable for the compensation of only one eligible Kotak RuPay Debit Card per customer.
Permanent Total Disablement means disablement, as the result of followings:
This policy pays for any permanent disability due to an accident.
Sum Insured of Rs. 2 lakh for Kotak RuPay Debit Card holders.
Please refer the below table:
The Disablement |
Compensation Expressed as a Percentage of Total Sum Insured |
Permanent Total Disablement |
100% |
Permanent and incurable insanity |
100% |
Permanent Total Loss of two Limbs |
100% |
Permanent Total Loss of Sight in both eyes |
100% |
Permanent Total Loss of Sight of one eye and one Limb |
100% |
Permanent Total Loss of Speech |
100% |
Complete removal of the lower jaw |
100% |
Permanent Total Loss of Mastication |
100% |
Permanent Total Loss of the central nervous system or the thorax and all abdominal organs resulting in the complete inability to engage in any job and the inability to carry out Daily Activities essential to life without full time assistance |
100% |
Permanent Total Loss of Hearing in both ears |
75% |
Permanent Total Loss of one Limb |
50% |
Permanent Total Loss of Sight of one eye |
50% |
Permanent Total Loss of Hearing in one ear |
15% |
Permanent Total Loss of the lens in one eye |
25% |
Permanent Total Loss of use of four fingers and thumb of either hand |
40% |
Permanent Total Loss of use of four fingers of either hand |
20% |
Permanent Total Loss of use of one thumb of either hand: |
20% |
Permanent Total Loss of one finger of either hand: |
5% |
Permanent Total Loss of use of toes: |
15% |
Established non-union of fractured leg or kneecap |
10% |
Shortening of leg by at least 5cms |
7.50% |
Ankylosis of the elbow, hip or knee |
20% |
The claim under Accidental Death and / or Permanent Disablement shall be payable only if:
Permanent Disability Claim Forms:-
The claims will be settled within 10 working days of complete documentation received by insurance company and establishment of entitlement.
Please fill the entire documents as per the checklist and submit the same to the nearest Kotak Mahindra Bank branch.
Please intimate about the claim within 20 days of the date of accident
The claim documents needs to be submitted within 50 days from the date of accident as the documents should reach the insurance company within 60 days of the date of accident.
Yes. It will be an additional cover over the existing insurance.
No. Cashless facility is not available for Personal accident policy.
Exclusions are situations or conditions where in the insurance company is not liable to pay the benefits to insured person in the event of accident.
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By clicking on the hyper-link, you will be leaving www.kotak.com and entering website operated by other parties. Kotak Mahindra Bank does not control or endorse such websites, and bears no responsibility for them.
By clicking on the hyper-link, you will be leaving www.kotak.com and entering website operated by other parties. Kotak Mahindra Bank does not control or endorse such websites, and bears no responsibility for them.
By clicking on the hyper-link, you will be leaving www.kotak.com and entering website operated by other parties. Kotak Mahindra Bank does not control or endorse such websites, and bears no responsibility for them.
By clicking on the hyper-link, you will be leaving www.kotak.com and entering website operated by other parties. Kotak Mahindra Bank does not control or endorse such websites, and bears no responsibility for them.