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Home / Life / FAQs

 Child Insurance  Life FAQs

What is the scope of cover under Raj Rajesheshwari Mahila Kalyan insurance ?

Under Raj Rajesheshwari Mahila Kalyan insurance, the cover includes all types of accidents arising at home or at any public place while engaged in any occupation or while travelling by any mode. Death or disablement arising out of or traceable to following would also be treated as accidents for claim:

• Slipping or falling from the mountain terrain 
  
  
• Biting by insects, snakes, wild animals
  
  
• Sterilization or complications arising out of such operations
  
  
• Childbirth and due to other pregnancy/ Delivery related problems or complications
  
  
• Caesarean operations 
  
  
• While undergoing surgical operations like hysterectomy (removal of uterus) 
  
  
• Removal of breast resulting from incurable disease including cancer 
  
  
• Racing on wheels, big game, hunting, mountaineering whilst engaged in winter sports 

Provided death or disablement from accident should result within 12 months from the date of occurrence/ accident.

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What are the benefits available under Raj Rajesheshwari Mahila Kalyan insurance ? 

Under Raj Rajesheshwari Mahila Kalyan insurance, the benefits available are: 

• On permanent total disablement of the married or unmarried woman - Total sum insured is paid 
  
  
• On permanent partial disablement of the married or unmarried woman - 50 percent of the Sum insured is paid 
  
  
• In the event of death of husband of the married woman - Total sum insured is paid to the wife 
  
  
• In the event of death of unmarried woman - The total sum insured is paid to the Nominee 

• On payment of additional premium, additional benefits are available
   
• In case of Temporary Total Disablement arising out of accidents resulting in hospitalisation or resulting in total disability Rs.500 per month will be paid subject to maximum of Rs.1500 
  
  
• A maximum of Rs.2,000/- will be paid towards legal expenses incurred necessarily for legal divorce once in lifetime 
  
  
• A maximum of Rs.2,000/- is paid towards the loss or damage to household goods and personal effects due to fire and other perils 
  
  
• Group discounts and Long Term Discounts are available in this policy

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Who are entitled for Bhagyashree Child Welfare Insurance ? 

Parents of a girl child can opt for this insurance policy on behalf of their girl child provided the age of the girl child is less than 18 years. 

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What are the benefits available under Bhagyashree Child Welfare Insurance ? 

In the event of death of parents of the girl child due to an accident, then the total sum insured (i.e. Rs.25000 maximum) is deposited with the GIC and paid to the girl child for education at regular intervals as follows:

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