Personal Accident Insurance Coverage

Individual Personal Accident Standard
Apollo Munich Health Insurance Company Limited will provide the insurance cover Loss of: % of Sum Insured
detailed in the Policy to the Insured Person up to the Sum Insured subject to the Each big toe 5%
terms and conditions of this Policy, Your payment of premium and Your statements Each other toe 2%
in the Proposal, which is incorporated into the Policy and is the basis of it.
Each eye 50%
BENEFITS Hearing in each ear 30%
We will provide the Benefits as detailed below for an event or occurrence Sense of smell 10%
described in any of the Benefits that occurs during the Policy Period. Each Benefit Sense of taste 5%
is subject to its Sum Insured, but Our liability to make payment in respect of any
and all Benefits (including optional Benefits) shall be limited to the Accidental 2) In this Benefit:
Death Sum Insured unless expressly stated to the contrary. a) Loss means:
i) the physical separation of a body part, or
Benefit 1. Accidental Death
ii) the total loss of functional use of a body part or organ provided
1) Accidental Death
this has continued for at least 365 days from the onset of such
If an Insured Person suffers an Accident during the Policy Period and this is disability provided that We are satisfied at the expiry of the 365
the sole and direct cause of his death within 365 days from the date of the days that there is no reasonable medical hope of improvement.
Accident, then We will pay the Sum Insured.
3) If an Insured Person suffers a Loss not mentioned in the table above, then
2) Transportation of Mortal Remains We will assess the degree of disablement with Our medical advisors and
If We have accepted a claim under 1), then We will in addition reimburse the determine the amount of payment to be made.
lower of 2% of the Sum Insured under 1) and the actual amount incurred 4) If a claim in respect of a whole member (any organ, organ system or a limb)
in transporting the mortal remains of the Insured Person from the place of also encompasses some or all of its parts, Our liability to make payment will
the Accident or the Hospital to his residence or Hospital or to a cremation or be limited to the member only and not any of its parts or constituents.
burial ground.
Benefit 4. Temporary Total Disablement
Benefit 2. Permanent Total Disablement If an Insured Person suffers an Accident during the Policy Period which is the sole
1) If an Insured Person suffers an Accident during the Policy Period and within and direct cause of a temporary disability which completely prevents him from
365 days from the date of the Accident this is the sole and direct cause of his performing each and every duty pertaining to his employment or occupation,
permanent total disablement in one of the ways detailed in the table below, then We will pay a weekly benefit, provided that:
then We will pay the percentage of the Sum Insured shown in the table. 1) The temporary total disablement is certified by a Doctor, and
% of Sum Insured 2) Our liability to make payment will be limited to of 1% of the Sum Insured
Loss of 2 Limbs (both hands or both feet or one hand 100% for each week during the period of temporary total disablement for a period
and one foot) not exceeding 100 weeks from the date of the Accident and if the Insured
Loss of a Limb and an eye 100% Person is disabled for a part of a week, then only a proportionate part of the
weekly benefit will be payable, and
Complete and irrecoverable loss of sight of both eyes 100%
3) We will not pay any amount in excess of the Insured Person’s base weekly
Complete and irrecoverable loss of speech & 100% income excluding overtime, bonuses, tips, commissions, or any other
hearing of both ears special compensation.
Loss of a Limb 50% Benefit 5. Emergency Ambulance Charges
Complete and irrecoverable loss of sight of an eye 50% If We have accepted a claim under this Policy and following the Accident it is
2) In this Benefit: necessary to immediately transfer the Insured Person to the nearest Hospital by
a) Limb means a hand at or above the wrist or a foot above the ankle. ambulance offered by a healthcare or an ambulance service provider, then We will
in addition reimburse the actual expenses of the transfer using the shortest route.
b) Loss of Limb means:
Benefit 6. Education Fund
i) the physical separation of a Limb above the wrist or ankle
respectively, or If We have accepted a claim under Benefit 1 or 2, then We will in addition pay
50% of the Sum Insured per Dependent Child up to a maximum of 2 Dependent
ii) the total loss of functional use of a Limb for at least 365 days
Children provided that such Dependent Child is pursuing an educational course
from the date of onset of such disability provided that We
as a full time student in an educational institution.
must be satisfied at the expiry of the 365 days that there is no
reasonable medical hope of improvement. Benefit 7. Family Transportation
Benefit 3. Permanent Partial Disablement If We have accepted a claim under Benefit 1 or 2, then We will in addition
reimburse the actual expenses incurred in transporting one Immediate Family
1) If an Insured Person suffers an Accident during the Policy Period and within
Member to the Hospital where the Insured Person is admitted following an
365 days from the date of the Accident this is the sole and direct cause of his
Accident, provided that such Hospital is located at least 200 kms from the
permanent partial disablement in one of the ways detailed in the table below,
Insured Person’s residence.
then We will pay the percentage of the Sum Insured shown in the table.
Note: In this Benefit, Immediate Family Member means the Insured Person’s
Loss of: % of Sum Insured legal spouse, children, parents, parents-in-law, legal guardian, ward, step child
Each arm at the shoulder joint 70% or adopted child.
Each arm to a point above elbow joint 65% Benefit 8. Accident Medical Expenses
Each arm below elbow joint 60% If We have accepted a claim under Benefits 1-4, then We will in addition
Each hand at the wrist 55% reimburse the Medical Expenses incurred by the Insured Person at a Hospital,
Each thumb 20% provided that Our maximum liability under this Benefit shall be limited to the
Each index finger 10% lowest of:
a) The actual expenses incurred, or
Each other finger 5%
b) 40% of the admitted claim amount under Benefits 1 to 4, or
Each leg above center of the femur 70% c) 10% of the Benefit 1 Sum Insured, or
Each leg up to a point below the femur 65% d) Rs. 50,000
Each leg to a point below the knee 50% Cumulative Bonus
Each leg up to the center of tibia 45% Note: This is only applicable for Benefits 1-3.
Each foot at the ankle. 40% • If no claim has been made under this Policy and the Policy is renewed
1
Please retain your policy wording for current and future use. Any change to the policy wording at the time of renewal, post approval from regulator will be
updated and available on our website www.apollomunichinsurance.com

with Us without any break, We will apply a cumulative bonus to the shall supersede the time periods mentioned at a) & b) above.
next Policy Year by automatically increasing the Sum Insured for the 4) Claims Payment Supporting Documentation & Examination
next Policy Year by 5% of the Sum Insured for this Policy Year. a) We must be provided with any documentation and information We may
• The maximum cumulative bonus shall not exceed 50% of the Sum request to establish the circumstances of the claim, its quantum or
Insured in any Policy Year for benefits under Benefits 1-3. Our liability for it including, in English, Our claim form duly completed
• If a cumulative bonus has been applied and a claim is made, then in and all reports, including but not limited to death certificate, disability
the subsequent Policy Year the cumulative bonus will automatically certificate, medical reports, case histories, investigation reports,
reduce to zero in that following Policy Year. treatment papers and discharge summaries
EXCLUSIONS b) The Insured Person additionally hereby consents to:
We will not make any payment for any claim in respect of any Insured Person i) The disclosure to Us of documentation and information that may
directly or indirectly for, caused by, arising from or in any way attributable to any be held by medical professionals and other insurers.
of the following unless expressly stated to the contrary in this Policy: ii) The Insured Person shall be examined by any medical practitioner
1) Special Exclusions to Benefit 1-4 & 8 We authorise for this purpose when and so often as We may
a) Bacterial infections (except pyogenic infection which occurs through reasonably require.
an Accidental cut or wound). 5) Claims Payment
b) Medical or surgical treatment except as necessary solely and directly a) We shall be under no obligation to make any payment under this
as a result of an Accident. Policy unless We have been provided with the documentation and
c) Hernia. information We have requested to establish the circumstances of the
2) General Exclusion applicable to all Benefits: claim, its quantum or Our liability for it, and unless the Insured Person
has complied with his obligations under this Policy.
a) Any Pre-existing Condition or any complication arising from the same.
b) All payments made shall be subject to an applicable Deductible (if any)
b) Intentional self injury, suicide or attempted suicide, while sane or insane.
for such payment.
c) Any psychiatric or mental disorders.
c) If We accept a claim and become liable to make payment under
d) AIDS (Acquired Immune Deficiency Syndrome) and/or infection with Benefits 2, 3, or 4, (the first claim) and there is a subsequent claim
HIV (Human immunodeficiency virus), venereal disease, sexually under another of these Benefits or Benefit 1 in respect of the same
transmitted disease or illness,
Insured Person and the same Accident within 365 days of the date
e) Any Insured Person’s participation or involvement in naval, military or of the Accident (the second claim), then We will only be liable to pay
air force operation, racing, diving, aviation, scuba diving, parachuting, the difference between the amount payable for the first claim and the
hang-gliding, rock or mountain climbing. amount payable for the second claim.
f) Arising or resulting from the insured person(s) committing any breach
d) We will only make payment to or at Your direction. If an Insured
of law with criminal intent.
Person submits the requisite claim documents and information along
g) The abuse or the consequences of the abuse of intoxicants or with a declaration in a format acceptable to Us of having incurred
hallucinogenic substances such as drugs and alcohol. the expenses, this person will be deemed to be authorised by You
h) War or any act of war, invasion, act of foreign enemy, war like to receive the concerned payment. In the event of the death of an
operations (whether war be declared or not or caused during service Insured Person, We will make payment to the Nominee (as named in
in the armed forces of any country), civil war, public defense, rebellion, the Schedule).
revolution, insurrection, military or usurped acts, chemical, radioactive
or nuclear contamination. e) Payments under this Policy shall only be made in Indian Rupees
irrespective of the location of accident which has given rise to the claim.
i) Pregnancy or childbirth or in consequence thereof.
f) We are not obliged to make payment for any claim or that part of any
j) Congenital internal or external diseases, defects or anomalies or in
consequence thereof. claim that could have been avoided or reduced if the Insured Person
could reasonably have minimised the costs incurred, or that is brought
k) Treatments rendered by a Doctor who shares the same residence as about or contributed to by the Insured Person failing to follow the
an Insured Person or who is a member of an Insured Person’s family.
directions, advice or guidance provided by a Doctor.
l) Any non-allopathic treatment.
6) Fraud
GENERAL CONDITIONS
If any claim is in any manner dishonest or fraudulent, or is supported by any
1) Condition precedent dishonest or fraudulent means or devices, whether by You or any Insured Person
The fulfilment of the terms and conditions of this Policy (including the payment or anyone acting on behalf of You or an Insured Person, then this Policy shall be
of premium by the due dates mentioned in the Schedule) insofar as they relate void and all benefits paid under it shall be forfeited.
to anything to be done or complied with by You or any Insured Person shall be
7) Other Insurance
conditions precedent to Our liability.
a) If at the time when any claim arises under this Policy, there is in
2) Insured Person
existence any other policy effected by or on behalf of any Insured
Only those persons named as an Insured Person in the Schedule shall be Person which covers that claim in whole or in part (or which would
covered under this Policy. Any person may be added during the Policy Period cover any claim made under this Policy if this Policy did not exist) then
as an Insured Person after his application has been accepted by Us, additional We shall not be liable to pay or contribute more than Our rateable
premium has been paid and We have issued an endorsement confirming the proportion of the claim. If that other policy is one issued by Us, then
addition of such person as an Insured Person. Our maximum liability under all policies issued by Us shall cumulatively
We will not cover any person under Age 91 days or above the Age 70 years. not exceed the most payable under one policy.
3) Notification of Claims b) 7)a) shall not apply to claims made under Benefits 1, 2 or 3.
a) We must be informed of any event or occurrence that may give rise to 8) Subrogation
a claim under this Policy within 30 days of it happening. The Company You and/or any Insured Persons shall at Your own expense do or concur in
may accept claims where documents have been provided after a doing or permit to be done all such acts and things that may be necessary or
delayed interval only in special circumstances and for the reasons reasonably required by Us for the purpose of enforcing and/or securing any
beyond the control of the insured. civil or criminal rights and remedies or obtaining relief or indemnity from other
b) For all benefits contingent on Our prior acceptance of a claim under parties to which We are or would become entitled upon Us making payment
Benefits 1-4, We must be informed within 30 days of the event or under this Policy, whether such acts or things shall be or become necessary
occurrence that may give rise to a contingent benefit claim. or required before or after Our payment. Neither You nor any Insured Person
c) If any time period is specifically mentioned in Benefits 1-8, then this shall prejudice these subrogation rights in any manner and shall provide Us

2

with whatever assistance or cooperation is required to enforce such rights. Any Accident or Accidental means a sudden, unforeseen and unexpected event
recovery We make pursuant to this clause shall first be applied to the amounts caused by external, violent and visible means (but does not include any illness
paid or payable by Us under this Policy and our costs and expenses of effecting or disease) which results in physical bodily injury (but does not include mental,
a recovery, whereafter We shall pay any balance remaining to You. nervous or emotional disorders, depression or anxiety).
9) Change of Occupation Age or Aged means completed years as at the Commencement Date.
You will give Us notice of any change in the business or occupation of any Insured Commencement Date means the commencement date of this Policy as
Person within 30 days of such change and We will issue an endorsement to this effect. specified in the Schedule.
If at the time a claim arises under this Policy the Insured Person has changed his Carrier means a civilian or commercial land, air or water conveyance operating
occupation without Us being notified, then Our maximum liability will be limited under a valid licence for transportation of passengers by air, sea, road or rail
to the amount that would have been payable for the premium paid and the new for a fee.
occupation. Deductible means, in respect of each and every claim, the amount stated in the
10) Geography Schedule which will first be paid by each Insured Person or apply for the period
This Policy applies to events or occurrences taking place anywhere in the of time stated in the Schedule.
world unless limited by Us in a particular Benefit or definition or through an Dependent Child or Dependent Children means Your children Aged between
endorsement. 91 days and 21 years at the commencement of the Policy Period if they are
11) Alterations to the Policy unmarried, still financially dependant on You and have not established their own
This Policy constitutes the complete contract of insurance. This Policy cannot independent households.
be changed or varied by any one (including an insurance agent or broker) except Doctor means a person who holds a qualification in medicine from a recognized
Us, and any change We make will be evidenced by a written endorsement institution and is registered by state council, governed by the Medical Council
signed and stamped by Us. of India in which he operates and is practicing within the scope of such license
12) Renewal and will include (but is not limited to) physicians, specialists and surgeons who
satisfy the aforementioned criteria.
This Policy will automatically terminate at the end of the Policy Period. We are under
no obligation to give notice that it is due for renewal, or to renew it, or to renew it on Hospital means any institution in India (including nursing homes) established
the same terms whether as to premium or otherwise. We shall be entitled to call for for medical treatment which:
and receive any information or documentation before agreeing to renew the Policy, Either:
and in renewing We are not bound to renew for all Insured Persons. a) Has been registered and licensed as a hospital with the appropriate
13) Notices local or other authorities competent to register hospitals in the
Any notice, direction or instruction under this Policy shall be in writing and relevant area and is under the constant supervision of a Doctor and
if it is to: is not, except incidentally, a clinic, rest home, or convalescent home
i) Any Insured Person, then it shall be sent to You at Your address for the addicted, detoxification centre, sanatorium, home for the aged,
specified in the Schedule and You shall act for all Insured Persons for mentally disturbed, remodelling clinic or similar institution,
these purposes. b) Or
ii) Us, it shall be delivered to Our address specified in the Schedule. No i. is under the constant supervision of a Doctor, and
insurance agents, brokers or other person or entity is authorised to ii. has fully qualified nursing staff (that hold a certificate issued by
receive any notice, direction or instruction on Our behalf unless We a recognised nursing council) under its employment in constant
have expressly stated to the contrary in writing. attendance, and
14) Dispute Resolution Clause iii. maintains daily records of each of its patients, and
iv. has at least 10 Inpatient beds, and
Any and all disputes or differences under or in relation to this Policy shall be
determined by the Indian Courts and subject to Indian law. v. has a fully equipped and functioning operation theatre.
15) Nomination Hospitalisation or Hospitalised means the Insured Person’s admission into a
Hospital for medically necessary treatment as an inpatient for a continuous period
You can change the nominee to whom such payment is to be made at any time of at least 24 hours following an Accident occurring during the Policy Period.
during the Policy Period, provided that such change shall only be effective when
You have notified Us and We have recorded the change by an endorsement to Insured Person means You and the persons named in the Schedule.
this effect. Medical Expenses means those reasonable and customary medical expenses
16) Termination that an Insured Person has necessarily and actually incurred for medical
treatment in a Hospital during the Policy Period on the advice of a Doctor due
a) You may terminate this Policy at any time by giving Us written notice, to an Accident occurring during the Policy Period, as long as these are no more
and the Policy shall terminate when such written notice is received. than would have been payable if the Insured Person had not been insured and
If no claim has been made under the Policy then We will refund no more than other hospitals or doctors in the same locality would have charged
premium in accordance with the table below: for the same medical treatment.
Length of time Policy in force Refund of premium Outpatient Treatment means medical treatment taken by any Insured Person
up to 1 month 75% in India at an outpatient department of a Hospital, clinic or associated facility,
provided that he is not Hospitalised.
up to 3 months 50%
Parent means Your natural or legally adopted mother and/or father, provided
up to 6 months 25% that they are below 70 years of Age.
exceeding 6 months 0% Policy means Your statements in the proposal form, this policy wording
b) We may terminate this Policy on grounds of misrepresentation, fraud, (including endorsements, if any) and the Schedule (as the same may be
non-disclosure of material facts or non-cooperation by You or any amended from time to time).
Insured Person or anyone acting on Your behalf or on behalf of an Insured Policy Period means the period between the Commencement Date and the
Person upon 30 days notice by sending an endorsement to Your address Expiry Date as specified in the Schedule.
shown in the Schedule, and We shall refund a rateable proportion of the Policy Year means a year following the Commencement Date and its
premium as long as no claim has been made under the Policy. subsequent annual anniversary.
INTERPRETATIONS & DEFINITIONS Pre-existing Condition means any condition, ailment or injury or related
The terms defined below have the meanings ascribed to them wherever they condition(s) for which Insured Person had signs or symptoms, and / or were
appear in this Policy Document and, where appropriate, references to the diagnosed, and / or received medical advice/ treatment, within 36 months prior
singular include references to the plural; references to the male include the to the commencement of the Insured Person first being covered under this Policy.
female and references to any statutory enactment include subsequent changes Spouse means Your legally married spouse as long as she continues to be
to the same: married to You.
3

Sum Insured means, in respect of each Benefit, the sum shown in the Schedule Jurisdiction Office Address
against that Benefit and such sum represents Our maximum liability for each
Insured Person for any and all claims made during the Policy Period under that Madhya Pradesh & Insurance Ombudsman,
Benefit, provided that Our maximum liability for each Insured Person for any and Chhattisgarh Office of the Insurance Ombudsman, Janak Vihar
all claims made during the Policy Period for any and all Benefits shall be limited Complex, 2nd Floor, 6, Malviya Nagar, Opp. Airtel, Near
to the Accidental Death Sum Insured unless expressly stated to the contrary. New Market, BHOPAL(M.P.)-462 023.
Tel.:- 0755-2569201 Fax : 0755-2769203
Terrorism shall mean an act, including, but not limited to, the use of force Email: bimalokpalbhopal@airtelmail.in
or violence and/or the threat thereof, of any person or group(s) of persons,
Orissa Shri B. P. Parija (Ombudsman)
whether acting alone or on behalf of or in connection with any organisation(s)
Insurance Ombudsman, Office of the Insurance
or Government(s), committed for political, religious or ideological purposes or Ombudsman, 62, Forest Park,
reasons including the intention to influence any government and/or to put the BHUBANESHWAR-751 009.
public, or any section of the public, in fear. Tel.:- 0674-2596455 Fax : 0674-2596429
We/Our/Us means the Apollo Munich Health Insurance Company Limited. Email: ioobbsr@dataone.in
You/Your/Policyholder means the person named in the Schedule who has Punjab, Haryana, Shri Manik Sonawane (Ombudsman)
concluded this Policy with Us. Himachal Pradesh, Insurance Ombudsman, Office of the Insurance
Jammu & Kashmir, Ombudsman, S.C.O. No.101-103, 2nd Floor, Batra
Schedule of Benefits UT of Chandigarh Building. Sector 17-D, CHANDIGARH-160 017.
Tel.:- 0172-2706468 Fax : 0172-2708274
Benefit Sum Insured Email: ombchd@yahoo.co.in
Benefit 1. 1) Accidental Death [AD] As specified in the Schedule Tamil Nadu, UT- Insurance Ombudsman,
Benefit 1. 2) Transportation of Mortal 2 % of AD Sum Insured; Pondicherry Town Office of the Insurance Ombudsman,
Remains maximum upto Rs 10,000 and Karaikal (which Fathima Akhtar Court, 4th Floor, 453 (old 312), Anna
are part of UT of Salai, Teynampet, CHENNAI-600 018.
Benefit 2. Permanent Total Disablement 100% of AD Sum Insured Pondicherry) Tel.:- 044-24333668 /5284 Fax : 044-24333664
Benefit 3. Permanent Partial Disablement 100% of AD Sum Insured Email: chennaiinsuranceombudsman@gmail.com
Delhi & Rajasthan Shri Surendra Pal Singh (Ombudsman)
Benefit 4. Temporary Total Disablement*As specified in the Schedule;
Insurance Ombudsman,
maximum upto Rs. 5,00,000 Office of the Insurance Ombudsman, 2/2 A, Universal
Benefit 5. Emergency Ambulance Charges Rs 2,000 Insurance Bldg., Asaf Ali Road, NEW DELHI-110 002.
Tel.:- 011-23239633 Fax : 011-23230858
Benefit 6. Education Fund* 10 % of AD Sum Insured; Email: iobdelraj@rediffmail.com
maximum upto Rs 20,000
Assam, Meghalaya, Shri D.C. Choudhury (Ombudsman)
Benefit 7. Family Transportation 1 % of AD Sum Insured; Manipur, Mizoram, Insurance Ombudsman,
maximum upto Rs 100,000 Arunachal Pradesh, Office of the Insurance Ombudsman, “Jeevan Nivesh”,
Benefit 8. Accident Medical Expenses 10% of AD Sum Insured; Nagaland and 5th Floor, Near Panbazar Overbridge, S.S. Road,
maximum upto Rs 50,000 Tripura GUWAHATI-781 001 (ASSAM).
Tel.:- 0361-2132204/5 Fax : 0361-2732937
*Temporary Total Disablement and Education Fund are available to the earning Email: ombudsmanghy@rediffmail.com
members only. Andhra Pradesh, Office of the Insurance Ombudsman,
Karnataka and 6-2-46, 1st Floor, Moin Court, A.C. Guards, Lakdi-Ka-Pool,
Grievance Redressal Procedure
UT of Yanam - a HYDERABAD-500 004.
If You have a grievance that You wish Us to redress, You may contact Us with the part of the UT of Tel : 040-65504123 Fax: 040-23376599
details of Your grievance through: Pondicherry Email: insombudhyd@gmail.com
· Our website : www.apollomunichinsurance.com Kerala, UT of (a) Shri R. Jyothindranathan (Ombudsman)
· Email : customerservice@apollomunichinsurance.com Lakshadweep, (b) Insurance Ombudsman,
· Telephone : 1800-102-0333 Mahe - a part of UT Office of the Insurance Ombudsman, 2nd Floor, CC
· Fax : +91-124-4584111 of Pondicherry 27/2603, Pulinat Bldg., Opp. Cochin Shipyard, M.G. Road,
ERNAKULAM-682 015.
· Courier : Any of our Branch office or corporate office Tel : 0484-2358759 Fax : 0484-2359336
You may also approach the grievance cell at any of Our branches with the details Email: iokochi@asianetindia.com
of Your grievance during Our working hours from Monday to Friday. West Bengal , Bihar, Ms. Manika Datta (Ombudsman)
If You are not satisfied with Our redressal of Your grievance through one of Jharkhand and Insurance Ombudsman,
the above methods, You may contact Our Head of Customer Service at The UT of Andeman & Office of the Insurance Ombudsman, 4th Floor,
Grievance Cell, Apollo Munich Health Insurance Company Ltd., 10th Nicobar Islands , Hindusthan Bldg. Annexe, 4, C.R.Avenue,
Floor, Building No. 10, Tower - B, DLF Cyber City, DLF City Phase II, Sikkim Kolkatta - 700 072.
Gurgaon, Haryana - 122002 Tel: 033 22124346/(40) Fax: 033 22124341
If You are not satisfied with Our redressal of Your grievance through one of Email: iombsbpa@bsnl.in
the above methods, You may approach the nearest Insurance Ombudsman for Uttar Pradesh and Shri G. B. Pande (Ombudsman)
resolution of Your grievance. The contact details of Ombudsman offices are Uttaranchal Insurance Ombudsman,
mentioned below. Office of the Insurance Ombudsman, Jeevan Bhawan,
Phase-2, 6th Floor, Nawal Kishore Road, Hazaratganj,
Ombudsman Offices LUCKNOW-226 001.
Jurisdiction Office Address Tel : 0522 -2231331 Fax : 0522-2231310
Email: insombudsman@rediffmail.com
Gujarat, UT of Shri P. Ramamoorthy (Ombudsman) Maharashtra , Goa Insurance Ombudsman,
Dadra & Nagar Insurance Ombudsman,
AMHI/PR/H/0012/0003A/102010/P

Office of the Insurance Ombudsman, S.V. Road,
Haveli, Daman and Office of the Insurance Ombudsman, 2nd Floor, Santacruz(W), MUMBAI-400 054.
Diu Ambica House, Nr. C.U. Shah College, Ashram Road, Tel : 022-26106928 Fax : 022-26106052
AHMEDABAD-380 014. Email: ombudsmanmumbai@gmail.com
Tel.:- 079-27546840 Fax : 079-27546142
Email: ins.omb@rediffmail.com IRDA REGULATION NO 5: This policy is subject to regulation 5 of IRDA (Protection
of Policyholder’s Interests) Regulation.

E-mail : customerservice@apollomunichinsurance.com Toll Free 1800-102-0333 www.apollomunichinsurance.com
IPAS/PWV0.04/052012

Personal Accident Insurance Coverage

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