Frequently Asked Questions

  • General
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GPA offers cover for

  • Accidental Death
  • Permanent total disability
  • Permanent partial disability
  • Accident hospitalisation

Accident means a sudden, unforeseen and involuntary event caused by external, visible and violent means. At PayNearby, we are offering the product of Care Health Insurance Company (formerly known as Religare Health Insurance).

All registered and new customers of PNB are eligible to be enrolled under this insurance plan.

The sum insured limits depends on the covers

  • Accidental Death – 10 lacs
  • Permanent total disability – covered up to 10 lacs
  • Permanent partial disability – covered up to 10 lacs
  • Accident hospitalisation – covered up to 1 lac

Individuals from 18 to 65 years of age are eligible to opt for this plan.

 

Policy cover will be available for 1 year from mid-night of the day of purchase of the policy. For example, if Mr. X buys a policy on 12th November, 2020 at 11 am then he will receive policy copy instantly but the cover will start from 13th of November, 2020.

Documents required are – Depending upon the type of claim, duly filled and signed claim form, discharge summary, copy of medico legal certificate, policy copy, disability certificate, death certificate, post mortem report (in case of death), copy of legal heir certificate.

No, Tax benefit is not applicable for the policy.

The customer can view list of network hospital via link shared at PayNearby’s retailer portal or by directly visiting the Care Health Insurance Company’s website.

The law in the country makes it compulsory to insure your two wheeler. The compulsory nature of the law protects you against third party liability. Insurance protects this asset and helps you in coping with the financial loss caused by accidents, damage or theft. Another reason is that while driving, you are responsible for the safety of:

  • Your passengers
  • Your fellow drivers
  • Other people’s property
  • Pedestrians
  • Yourself

For every bike out there, we have two types of coverages you choose from:

Third Party Liability: Provides protection against the claims of another party who has incurred loss and damage to life/property caused by the insured vehicle

Standard Package Policy (Comprehensive Policy): This one is like the big family umbrella. Includes third-party damage as well as theft & damage caused to your own vehicle due to accident, natural disasters, fire, etc.

The IDV of two wheelers is to be fixed based on the manufacturer’s listed selling

price of the brand and model, as the vehicle proposed for insurance at the commencement of insurance /renewal and adjusted for depreciation.  The schedule of depreciation for arriving at IDV is as below:

Age of the Vehicle % of Depreciation for fixing IDV
Not exceeding 6 months 5 %
Exceeding 6 months but not exceeding 1 year 15 %
Exceeding 1 year but not exceeding 2 years 20 %
Exceeding 2 years but not exceeding 3 years 30 %
Exceeding 3 years but not exceeding 4 years 40 %
Exceeding 4 years but not exceeding 5 years 50 %

If you sell your bike to another person, the insurance can be transferred in the name of the buyer. The buyer (transferee) has to apply for transfer of Insurance with us, within 14 days from the date of transfer of the vehicle in his name. If you want to substitute another two wheelers of you in this policy, the policy will not be transferred to the buyer. The buyer (transferee) has to buy a fresh insurance.

No Claim Bonus (NCB) is a discount on premium of the own damage (OD) portion of your vehicle when you renew your policy, provided you have not made any claim during the last policy period of one year. The NCB can be accumulated up to a maximum limit of 50% on own damage premium for two wheelers. You can transfer the full benefits of NCB, even when you shift your two wheeler insurance to any other insurer from current Insurance company.

Yes, in case you are changing from current insurance company to any other insurance company and have accrued some NCB from them, you can get the same transferred in case your two wheeler is insured within 90 days of your renewal due date.

Yes, there will be a 30 days waiting period except for accidental hospitalization.

Hospital cash insurance is a benefit plan where you get a fixed lump sum amount for each day of hospitalization. The amount paid is irrespective of your actual hospital bill. You can use this amount for medicines, diagnostics tests any other expenses which customer may incur.

All existing customers of PayNearby and the new ones (by registering themselves on our platform) are eligible to get the benefit of the plan.

Health insurance covers majority of medical expenses but there could be other non-payables expenses or incidental expenses such as ambulance expenses, attendant charges etc. that could burn a hole in your pocket. The lump sum paid out from this plan can be used for all such expenses.

Mediclaim is an indemnity health insurance product which is a reimbursement of expenses while Hospicash is a defined benefit product paying for each day of hospitalization irrespective of the actual bills.

 

Particulars Details
Cover Type Individual
Type of Plan GFB – Group Hospicash
Frequency of payment Annual in advance
Policy Period 1 Year
Age Group 18 – 60  Years
Daily cash benefit Rs.1500 per day or Rs.2000 per day
Premium Rs.885 per year Or Rs.1180 per year respectively
Limit per policy year 30 days
Deductible 1 day per hospitalization
Waiting Period 30 days
1 Year waiting period (Specified illness) Not Applicable
Pre-existing diseases waiting period Not Applicable

There is a 1-day deductible per hospitalization.

Mr. Anand opted for Rs.1500 per day & got hospitalised for Dengue fever for 5 days in the second month after taking the policy. Mr. Anand will receive Rs.1500 X 4 days

(5 days – 1-day deductible) = Rs.6000/-

 

 

Mr. Anand is again hospitalised for fever the next month for 5 more days.

Mr. Anand will receive Rs.1500 X 4 days

(5 days – 1-day deductible) = Rs.6000/-

1 day deductible will be applicable for every hospitalization.

This plan provides Daily cash benefit options which are payable on each day of hospitalization.

Yes, 30 days. Which means you will be able to claim until the number of days opted as the policy year limit.  In a year maximum claim cannot be for more than 30 days.

Multiple claims for medically necessary treatment of same illness or injury will be covered up to a maximum of 30-days per policy year.

Critical pre-existing conditions are not covered as part of the policy. The insured will need to agree to the below mentioned declaration displayed on the app/portal at the time of policy registration.

“I hereby declare that I perform all my routine activities independently and that I have never suffered from, am not currently suffering from any of the mentioned critical illnesses namely Cancer, Major Organ disease / transplant, Stroke /Paralysis, Nervous disorders, HIV, etc.”

You can purchase the policy for yourself only.

The minimum entry age is 18 years and the maximum entry age is 60 years.

No. You cannot cover all members of your family in one policy as each policy will cover only one person. Each family member can buy a separate policy if they are within the age group of 18 to 60 years.

Your policy is valid for 1 year. You can renew your policy at the end of policy term.

 

Life-Long renewability is available provided the policy is purchased within the age group of 18-60 years.

Hospitalization at all allopathic hospitals and government approved non-allopathic hospitals are approved for coverage.

No. Policy will not cover suicide cases.

No. Hospitalisation for pregnancy is not covered under the policy.

All diagnostic procedures are excluded from coverage. Angioplasty is covered if hospitalisation is for more than 24 hours.

Organ transplant will be covered only if the procedure is compliant under Human Organs Act, 1994 (amended).

Hospitalization for life support is not covered if such treatment will not result in recovery or restoration of the previous state of health.

No. Hospitalization is not covered for AIDS/HIV or any Sexually Transmitted Diseases.

No, you cannot request for enhancement of sum insured.

Customer has to raise request with Aditya Birla Health Insurance Co. Ltd.  Customer can call on 1800 270 7000 or write at care.healthinsurance@adityabirlacaptial.com .

The below documents needs to be submitted within 30 days from the date of hospitalization or within 30 days from the date of discharge

  • Duly filled claim form
  • Certificate of Insurance
  • Copy of Discharge Summary detailing the period and reason for admission plus the line of treatment
  • Copy of the final bill or payment receipt
  • KYC documents – Photo ID, Address and Age proof
  • In case of Accident Cases – Certificate from the doctor stating Details of Accident/trauma & Whether the patient was under the influence of alcohol or any intoxicating substance during incident / accident.
  • Any other documents which the Insurer will ask in case the submitted claim has to be further investigated

To do so, customer has to raise request with Aditya Birla Health Insurance Co. Ltd.  Customer can call on 1800 270 7000 or write at care.healthinsurance@adityabirlacaptial.com .

This cover shall cover you for the Hospitalization costs incurred in case you are tested positive for Corona Virus Disease. (COVID-19).

The benefits that can be availed under this policy are as follows:

 

Feature Coverage Details
Pre | Post hospitalization days 30 Days | 60 Days
Room rent Restriction No restriction
ICU Limit No restriction
Road Ambulance 1% of the SI
Second Medical Opinion Covered

 

This policy has individual Sum Insured options up to INR 3 Lakhs which means that each individual policy can have a maximum Sum Insured of INR 3 Lakhs.

Individuals in the age group of 1859 years can purchase standalone policies provided he/she is not ineligible as per the terms and exclusions of the cover.

Yes.  Coverage   for  Quarantine  in  a  hospital  shall  be  payable  only  if  it  is  later  diagnosed  that insured person was suffering from COVID-19 during the Quarantine.

Yes. One can purchase multiple policies for this cover with a maximum Sum Insured of INR 3,00,000 per policy. However, trigger of the 2nd/3rd  Policy will only happen post exhaustion of the Sum Insured of the previous policies.

Yes. You will be eligible provided you not have travelled to the countries listed in the “Travel Advisory on Home Isolation/Quarantine and restricted travel” issued by Ministry of Health & FW, Government of India as applicable on date of policy purchase, since 60 days prior to the policy inception date and any time after the policy inception date.

Travel advisories can be found here: https://www.mohfw.gov.in

No. Any treatment taken outside India will not be covered under this Policy.

Yes. An initial waiting period of 15 days shall be applicable for anyone who has bought this policy.

Other Major Exclusions are as follows:

  • Hospitalisation expenses not in lieu of treatment for Coronavirus disease (COVID-19) will not be covered.
  • Insured members already treated for or quarantined for Coronavirus disease (COVID-19) before the policy issuance will not be
  • Insured Member(s) is/are not suffering from fever or suffering /suffered from diabetes, hypertension, disease related to heart/lungs/kidney/liver, cancer, stroke or any condition that needs ongoing medication or the insured members(s) is/are due for any medical treatment, at the time of buying this policy
  • Home hospitalisation (Domiciliary hospitalisation) expenses will not be
  • Hospitalisation expenses for patients only under investigation with inconclusive medical report

will not be covered.

Test report for Coronavirus disease (COVID-19) conducted from centres other than ICMR Authorized test Centre in India from National Institute of Virology, Pune will not be considered. Link of Authorised Test Centres mentioned below: https://icmr.nic.in/sites/default/files/upload_documents/Testing_sites_for_COVID19.pdf

IndiaFirst Life POS Insurance Khata Plan is a pure protection plan which returns percentage of your premium basis the age and policy term chosen, if you survive the policy term.

IndiaFirst Life POS Insurance Khata Plan is a non-linked, non-participating, micro life insurance plan. The plan is designed to offer financial protection in the form of a life cover for the family along with pre-defined returns, (excluding applicable taxes) in case the life assured survives till the end of the policy term.

The plan is designed to provide financial protection to your family. Pay through single premium and get life cover for 5 or 10 years as per your choice.

Your nominee will receive the chosen sum assured at inception of your policy which could be either 5 or 10 times of single premium. If you have multiple POS Insurance Khata policies, the total sum assured payable will be combined sum assured of all policies.

At maturity of each policy, we will refund you percentage of premium (which will be more than or atleast equal the premium amount), basis your age and policy term chosen, while purchase of policy.

The plan only refunds percentage of your premium and does not have any additional bonus payable in the policy. Bonus is not applicable in this plan as this is a Term plan with Return of Premium on maturity on survival of life assured.

Tax benefits are available on premiums paid and benefits receivable as per prevailing Income Tax Laws. These are subject to change from time to time as per the Government Tax laws. Please consult your tax consultant before purchase of the policy.

There are no riders in this plan.

You can buy IndiaFirst Life POS INSURANCE KHATA Plan under single premium only.

There is no option of joint life in the plan.

The policy term is fixed at 5 years or 10 years under the plan. You can choose either of the two options as per your need.

The minimum maturity age is 23 years and maximum 50 years under the plan.

The plan offers life insurance cover with premium as low as Rs.1000.

Maximum premium is Rs. 10,000 under the plan irrespective of the policy term chosen for one policy. The insured can buy policies further up to the limit of sum assured being 5,00,000.

You need to pay premium one time as single premium only. There is no monthly, quarterly or half – yearly mode.

Yes, the policy will be issued instantly post verification of KYC and other documents uploaded while buying the policy. IndiaFirst Life Insurance reserves the right to cancel the policy within 2 working days in case of any mismatch in data. Any death claims within this period of 2 working days will not be accepted if the policy is rejected due to any discrepancy.

Once you have paid the premium and uploaded the relevant document, the link to download the policy document will be received by you provided there is no mismatch in data. Also summary of the Khata details will be received from IndiaFirst Life Insurance in 2 working days.

There is no commitment to pay any future premium however you can buy multiple single premium policies and plan them in such a way that they give you regular income through refund of premium on maturity for each policy.

Yes, you can buy this plan for your family members provided they are between 18 years and 45 years age for the 5 year plan and between 18 years and 40 years for the 10 year plan.

There is no discontinuance in the plan as this is single premium plan,

Since it’s a single premium, the policy does not lapse. Your risk cover for that policy remains constant till the date of maturity.

Policyholder can surrender the policy any time during the policy term The benefit payable on surrender is higher of guaranteed surrender value (GSV) or special surrender value (SSV).

Yes, change of nominee is allowed anytime throughout the policy term.

  • It is a simple to understand, easy to purchase product which gives you the opportunity to plan your savings with an exclusive Insurance Khata
  • Get complete protection for your loved ones with a death benefit in case of an unfortunate event or receive percentage of premium(s) back basis the age and policy term chosen at the end of the term
  • Invest surplus income, even as low as INR 1000 to ensure the security of your loved ones
  • Be rest assured, as you know the exact amount of benefits right at the inception
  • Pay single premium and get a cover that is 5/10 times of your single premium for a term of 5/10 years respectively.
  • Add to your exclusive Insurance Khata by investing multiple times to increase your cover as per your capacity”.

ReGuard plan includes any electrical/mechanical breakdown/ defects to the electrical/ electronic/mechanical parts of the device, as covered under the Brand Manufacturer’s Warranty. E.g. your device keeps auto rebooting.

ScreenGuard includes any accidental breakage/damage of the screen for a period from the date of purchase of the device.

DoubleGuard plan means complete protection for device in terms of damage and malfunction to handset. Instead of selling two different plans for Cracked screen and Extended Warranty, TechGuard has understood the pain point of Retailers/Dealers at the store level. Hence Introducing One -Stop-Solution for all the value added plans that can save both your’s and customer’s time. It covers the below:

  • 12M Cracked Screen which covers only accidental breakage/damage of the screen for a period from the date of purchase of the device for a period of 12 months
  • 6M Extended Warranty which covers any mechanical / manufacturing defects as covered under the brand warranty after the expiry of brand warranty for a period of 6 months.

This plan is applicable on purchase of New devices (Date of purchase of the new device should be the current date) and up to 11 months Old Device (from the purchase date of the device) depending on the plan opted.

No, there is no depreciation on this plan.

Customer will receive an email and SMS post plan purchase with a link to download the e-certificate.

Repair/replacement costs up to the cost of the new screen will be covered.

Repairs of all device brands will be done from a Brand Service Center wherever possible (depending on brand and city) or from a TechGuard Authorized Repair Centre (ARC) and in accordance with the terms and conditions of the brand only.

The extended warranty plan is applicable after the manufacturer’s warranty of the registered device ends. In case the customer’s device had to be replaced by TechGuard when the cracked screen plan was active, the extended warranty plan would continue with the device.

For a ScreenGuard and DoubleGuard Program, the customer cannot raise a repair request for the first 15 days from the date of sale.

Cracked Screen: (Applicable for DoubleGuard and ScreenGuard)

  •  Any form of physical loss, untraceability or theft of the Mobile Device, or any form of consequential or incidental loss suffered by you arising from the Mobile Device
  • Any Breakage other than cracked screen
  • Cost that you incurred by yourself to repair the Mobile Device with a third party

Extended Warranty: (Applicable for DoubleGuard and ReGuard)

  •  Any physical damage or regular wear and tear or gradual deterioration which affects performance
  • Non-operating and cosmetic damage to the Mobile Device, such as damage to paintwork, Mobile Device finish, dents or scratches
  • Cost that you incurred by yourself to repair the Mobile Device with a third party

A customer can easily register his repair request from the comfort of his home or office. All they need to do is log on to our chatbot at https://bit.ly/miatg and register their request in any of the 11 languages.

In case the customer finds it difficult to register their request via the chatbot, they can connect with TechGuard customer care team at 1800-103-6024 and they would gladly guide them with their registration.

Ideally the customer should register the repair request as soon as the device is damaged or malfunctioning as any delay might aggravate the damage or malfunction and make it worse.

But TechGuard understands that sometimes it might get difficult for the customer to register the request immediately and TechGuard provides no more than 7 days for them to register their request.

With the help of our multi-lingual chatbot, it is very easy for a customer to register their repair request on their own.

In case the customer visits the store to seek help from the store staff, the store staff can guide the customer to use the chatbot to register.

In case the customer finds it difficult to register their request via the chatbot, the store staff needs to guide them to our toll-free number where our customer care team would help them out.

Do note that a repair request filed by anyone other than the customer is liable to not be processed further.

  1. Cracked Screen plan: The customer needs to pay the service fee ONLY for a repair request registered for a damaged screen. The customer needs to pay a service fee of 5% for new devices once the repair request has been verified to process. Service fee charged at the time of repair request for old devices will reduce to 5% from 15% if the customer takes up the diagnostic test within 10 days of purchase of the contract (applicable for ScreenGuard or Double Guard)

 

Extended Warranty plan: No service fee is to be paid for a repair request registered for any device malfunction.

To make the payment process easier and hassle free for the customer, TechGuard has provided both online and offline methods to make the payment.

Online: The customer can log on to our chatbot Mia and click on ‘Complete request formalities’. They can click on ‘Pay Now’ to make the payment via one of the options below: Credit card, Debit card, UPI, Wallet and NetBanking.

Offline: The customer can visit the nearest HDFC bank and pay the cash to our Account number and upload the stamped deposit slip through our chatbot to process their request further.

All the customer needs to do is complete the registration process and leave everything else to TechGuard!

When the registration formalities are completed, TechGuard can pick the device any day 365 days a year at the customer’s comfort and get it repaired from our brand authorized service centre.

Once repaired, the device would be dispatched back to the customer’s address.

All the customer needs to submit is the invoice copy of the device registered.

The process is completely paperless, and all the customer needs to do is visit our chatbot Mia and upload the document there.

The customer can log into the chatbot and click ‘Complete Request Formalities’ to upload the documents.

Notify or submit a claim in the following way:

  • By calling Toll Free 18001230004 OR
  • By sending an E Mail to mycare@dhflinsurance.com OR
  • Through Customer Portal on website dhflinsurance.com OR
  • Using Mobile App OR
  • Directly walk into branch

While notifying the claim, following information should be provided:

  • Name of insured
  • Insured contact numbers
  • Policy number
  • Date and time of loss
  • Location of loss
  • Nature and approximate extent of loss

Place and contact details of the person at the loss location

toll free no. 18001230004 or

Mail at mycare@dhflinsurance.com

Digit understand the pain that can come with damaging your bike! They do not want to worsen it, which is why they have come up with an easy & quick claims process.

 Give them a call at 1800-258-5956/1800-103-4448 & tell them about the incident. They will send a self-inspection link on your mobile number, click the pictures of the damage & upload.

Once claim is approved, they will either give you advance cash for your repair so that you can repair it at your preferred garage, or you can choose from Digit’s Cashless Network Garages.

 

  1. What are the details need to be kept handy while registering the claim?
  • Policy Number
  • Vehicle Registration Number & Chassis / Engine number
  • Caller details / relation with insured / Cont. no. of the insured
  • Date / Time & Place of the incident/ accident
  • Detail description of the incident/ accident
  • Loss type whether Own damage/Theft/TP/TPPD/PA Claim
  • Whether any injury involved into this accident
  • If the incident been reported to police, then GD / Case No or FIR No
  • Driver Name (As per the details mentioned in the driving license) & DL No. need to be provided
  • Current Vehicle Location & if yet not placed with any garage then enquire about garage preference. The Call Centre will then provide with a unique number as Claim No. which will be used for all future correspondence

 

  1. Where do I get the Claim Form and Detail List of Cash Less Garages of Bharti AXA?

Refer our website to download the Claim Form and also get the Policy Wordings. Please visit to our website (www.bharti-axagi.co.in ) for our tied-up garages.

 

  1. What shall I do after claim intimation?

Place the vehicle in any of our cashless tie-up garage or at authorized garage of your own choice (here cl payment would get reimbursed to the insured).

 

                                              Claim Registration Links
Claim Registration Link
https://www.bharti-axagi.co.in/register-baxa-claim
Claim Tracking Link
https://www.bharti-axagi.co.in/track-your-claim

 

 

 

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