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| XTRA Features |
| INSURANCE SCHEME - XTRAPOWER FLEET CARD PROGRAM |
| Click to download : Personal Accident Lost Card Insurance Medical Insurance |
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| BACKGROUND |
- Insurance scheme for XTRAPOWER FLEET CARD PROGRAM has been modified which will remain effective till 5th Apr '09 (23:59Hrs).
- Insurance Service Provider : The Oriental Insurance Co.Ltd.
- As an added feature you can avail MEDICAL INSURANCE under our fleet card program.
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| INSURANCE SCHEME |
- Insurance features of XTRAPOWER FLEET CARD include following : (Sum insured for Fleet Owner, Driver, Co-Driver and Helper-cum-cleaner)
- Personal Accident Insurance
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Death (100% sum insured for all - (a) Owner : Rs.1,00,000/- per card, max upto Rs.20,00,000/-, (b) Driver : 50,000/-, (c) Co-Driver : 25,000/-, (d) Helper-cum-cleaner : Rs.25,000/-)
- Total Permanent Disability(TPD) (100% sum insured) (TPD is defined as per IRDA guideline) - (a) Owner : Rs.1,00,000/- per card, max upto Rs.20,00,000/-, (b) Driver : 50,000/-, (c) Co-Driver : 25,000/-, (d) Helper-cum-cleaner : Rs.25,000/-)
- Partial Permanent Disability(PPD) (PPD is defined as per IRDA guideline) - (a) Owner : Sum insured multiplied by the percentage of PPD as certified by the Doctor (e.g. Rs.1,00,000/- per card upto max 20 cards (e.g.Rs.20,00,000/-) x % of PPD), (b) Driver : Sum insured multiplied by the percentage of PPD as certified by the Doctor (e.g. Rs.50,000/- x % of PPD), (c) Co-Driver : Sum insured multiplied by the percentage of PPD as certified by the Doctor (e.g. Rs.25,000/- x % of PPD), (d) Helper-cum-cleaner : Sum insured multiplied by the percentage of PPD as certified by the Doctor (e.g. Rs.25,000/- x % of PPD).
- Lost Card Liability Insurance (Maximum upto Rs.16,000/- per card subjected to misuse of the card within 24 hours from lodging the loss complain with XTRAPOWER 24 HOUR CUSTOMER HELPLINE)
- Medical Insurance* (Rs.10,000/- per card) : (a) Owner : Rs.2500/- per card subjected to maximum of Rs.50,000/-, (b) Driver : Rs.2500/-, (c) Co-Driver : Rs.2500/- and (d) Helper-cum-cleaner : Rs.2500/-. *(Minimum claim under medical insurance MUST be over Rs.500/-)
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| CLAIM ENTITLEMENT |
- Only ACTIVE CARDS as on date of accident would be entitled for availing insurance benefits.
- Cards with sales transaction of Rs.10000/-in last 365 days would be treated as Active Card.
- Prevailing IRDA guidelines would be applicable for all insurance claims.
- Insurance claims under XTRAPOWER FLEET CARD PROGRAM are admissible for vehicular road accident only.
- While claims are admissible for Driver, Co-driver and Helper-cum-cleaner towards card enrolled against respective vehicle involved in the accident, the same for Owner would be admissible for other accidents as well.
- Claimant must send the claim to M/s. Oriental Insurance for claim settlement.
- Above Insurance benefits are offered to the members of XTRAPOWER FLEET CARD PROGRAM at FREE of cost.
- For further details of this insurance scheme you may refer Frequently Asked Question (FAQ).
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| CLAIM SETTLEMENT |
- Claim must be submitted along with mandatory documents as described in FAQ.
- Insurance claim MUST be reported immediately to the following office of the underwriter through written communication/Fax/email. IndianOil / Insurance company won't be liable for any claims not intimated to the Insurance Company within 75 days of incidence.
- Claim should be submitted to :
The Divisional Manager
The Oriental Insurance Company Limited
Mumbai City Divisional Office No.16
Magnet House, 4th Floor
Narottam Morarjee Marg
Ballard Estate,
Mumbai - 400001
Ph : 022-22619241/5154,
Fax : 022-22619243
Email : mcdo16111700@orientalinsurance.co.in
- Claimant must apply on the separate claim form for respective section of insurance coverage e.g. PERSONAL ACCIDENT INSURANCE (includes Death, TPD & PPD), LOST CARD LIABILITY INSURANCE and MEDICAL INSURANCE.
- Copies of the claim forms are available with our fleet managers. Alternatively you can download the same.
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