What is Group Personal Accident Insurance?
The group total protect insurance policy offers coverage to individuals if an accident becomes fatal or leads to disablement. The groups covered under such a plan include employees or members of registered organisations or firms. Employers or group heads can purchase plans to cover their employees or opt for the family floater policies to cover the group member’s spouse, dependent children, and dependent parents and parents-in-law.
Who should buy Group Total Protect Insurance?
Firms, business owners and other organisations can purchase group total protect insurance to provide coverage for members and their loved ones. These plans promote a sense of unity and provide financial security to dependents in their time of need.
Features of Group Total Protect Insurance
Accidental Death Benefit
The policyholder’s beneficiary gets a fixed benefit in case the insured passes away
Permanent Disability
You receive a fixed benefit in case of partial or total permanent disability as per terms and condition of the policy
Temporary total Disability
You will get a defined benefit in case of temporary total disability
Customisable plans
Choose between four base policies and over 30 optional covers to create a unique policy for your needs.
Flexible tenure
Get coverage for just one hour up to 365 days. In case of loan-linked/credit-linked policies, the tenure would be up to five years.
Family floater plans
Get policies that cover the group member, their spouse, dependent children, and dependent parents or parents-in-law.
Why buy Zuno Group Total Protect policy ?
Zuno Group Total Protect Insurance provides coverage in case of fatal accidents or those that lead to disablement to a group of individuals and their dependents. With Zuno, group members enjoy seamless paperwork and quick claims.
Zuno Group Total Protect policy – Eligibility and other important points
Age Limits
Group members must be 18 to enjoy the benefits of the policy which can be renewed for life. Under the family floater variant, children get coverage from birth up to the age of 25 while dependent siblings can also enjoy coverage up to 25.
Sum Insured
Opt for a sum insured as required between INR 25,000 and INR 50,00,00,000.
Policy Tenure
Get policy coverage for 1 hour or for up to 365 days. For loan-linked/credit-linked policies, the term extends to 5 years.
Zuno Group Total Protect Insurance optional covers
Critical Illness
Option to get cover for upto 25 critical illnesses
Last rite expenses
Get up to INR 5,000 per insured individual per policy year to help with the cost of last rites such as cremation or burial.
Child enhancement benefit
Doubles your basic SI in case of claims due to death or disability of the insured.
Loss of employment benefit
Get up to INR 50,000 per month in case of job loss.
What does Zuno Group Total Protect Insurance policy cover?
Hospitalisation expenses in case of accidents
Hospitalisation and accidental death benefit
Permanent total disability
Permanent partial disability
Temporary total disability
Instalment premium payment options
Zuno Group Total Protect Policy What is not covered ?*
Medical or surgical treatment unless necessary after an accident
Treatment at facilities that are not hospitals
Elective surgery or any surgery that is not recommended by a doctor
Suicide or attempted suicide
*PLEASE REFER TO POLICY WORDING FOR COMPLETE INFORMATION
Why buy from us?
Zuno – with you every step of the way
Timely assistance
Get in touch with us 24x7 on our toll-free number 1800 12000.
Paperless process
Go green and paper-free with our 100% online policy issuance.
Hassle-free claim settlements
Zuno settles claims as quickly as possible with minimal paperwork.
We Won’t Play The Claim Game
Call us on 1800 12000 or 022 423 12000 or e-mail us at support@hizuno.com to let us know the details of your travel insurance policy claim.
We’ll work on your claim and either transfer the money to you if you’ve already made a payment or directly pay the hospital if you’ve gone cashless.
Of course, if you still need us to answer any queries, contact us at support@hizuno.com, and we’ll reply soon.
Making sense of common insurance jargon
Accident
An accident is a sudden, unforeseen and involuntary event caused by external visible and violent means.
Permanent Total Disablement
The bodily injury that totally, irrecoverably and absolutely prevents you from engaging in any kind of occupation.
Temporary Total Disablement
The bodily injury that prevents you from engaging in your occupation for a period not exceeding 104 weeks since the date of injury to the time you are fit enough to resume your occupation as certified by a Medical Professional.
Permanent Partial Disability
The bodily injury that results in total, irrevocable, absolute and continuous loss of or impairment of a body part or sensory organ specified under the Table of Benefits of the policy document.
Other important points of Zuno Group Total Protect Insurance
You have option to customise your policy. We have 30+ optional covers available.
The family includes self, spouse, dependent children and dependent parents/parents-in-law and siblings or any such other persons having insurable interest, who are specifically mentioned in the schedule to this policy.
Group Total Protect Policy FAQ's
Who manages claims for Zuno Group Total Protect policy?
Our in-house claims team handles the claims process for Zuno Group Total Protect Policy. For more information, please call us on Toll free - 1800 12000 / Paid landline - 022 423 12000 or email us at support@hizuno.com to let us know the details of your claim.
Do you have any flexible payment option available for Group Total Protect policy?
Yes, we do have instalment premium payment option available for all three mentioned insurance policies.