Insurance scheme for XTRAPOWER FLEET CARD PROGRAM with effect from 06.03.2025
Insurance Service Provider:United India Insurance Co. Ltd.
Insurance Scheme:
Insurance features of XTRAPOWER FLEET CARD include following:
For Fleet customers with Vehicle Nos. embossed on the individual cards.
Eligibility for insurance coverage: All cards on which a Fuel purchase transaction for at least Rs 50000/- is recorded in XTRAPOWER in the last 90 days prior to the mishap. Insurance Coverage is applicable for Driver and Helper/ one person other than Driver.
XTRAPOWER Fleet customers with Generic cards:
Eligibility for insurance coverage: The list of vehicles enrolled for the Generic Card customer is mapped to the Customer ID.A customer IDhaving Generic cards in which Fuel purchase transaction for at least Rs 5.0 lacs through one or more Generic cards is recorded in XTRAPOWER in the last 90 days prior to the date of mishap shall be considered to be an active entity. Any vehicle enrolled under Customer IDs meeting the above conditions shall be eligible for Insurance. Insurance Coverage is applicable for Driver and Helper.
Total permanent disability is due to total & irrecoverable loss of sight of both eyes or of the actual loss by physical separation of two entire hands or two entire feet or one of entire hand and entire foot or of such loss of sight of one eye and such loss of entire hand or one entire foot. Total permanent disability also means disabling the insured from engaging in, being occupied with or giving attention to any employment of any description whatsoever, the capital sum insured is 100%.
iii. Partial Permanent Disability(PPD) is due to total & irrecoverable loss of sight of one eye or of the actual loss by physical separation of one entire hand or one entire foot. caused due to accident : 50% capital sum insured for Driver & Helper / one person other than driver .
b. Medical Insurance : Insurance coverage of Rs.50000/- per card (maximum) during the every one year policy period towards medical expenses incurred towards recovery from injury caused due to road accident involving the enrolled vehicle. Under this section, the claim would be admissible subject to a maximum sum insured of Rs.50000/- for the beneficiaries i.e. Driver or cleaner cum helper for every one year policy period. Driver and Helper / one person other than driver on duty would be covered for the accident involving the vehicle only against which the card is enrolled.
SUM INSURED FOR INSURANCE COVERAGE for Driver and Helper / one person other than driver of Vehicle
| Sr No | Particulars | Unit | Coverage in Rs. |
| DRIVER | |||
| 1 | On death in Accident | Rs Lacs | 5.0 |
| 2 | On Permanent Total Disability | Rs Lacs | 5.0 |
| 3 | On Permanent Partial Disability | Rs Lacs | 2.5 |
| 4 | Accidental Medical Extension* | Rs Lacs | 0.5 |
| 5 | Education Grant** | Rs | 20,000 |
| 6 | Carriage of Dead Body | Rs | 2,500 |
| HELPER /One person other than driver | |||
| 7 | On death in Accident | Rs Lacs | 5.0 |
| 8 | On Permanent Total Disability | Rs Lacs | 5.0 |
| 9 | On Permanent Partial Disability | Rs Lacs | 2.5 |
| 10 | Accidental Medical Extension* | Rs Lacs | 0.5 |
| 11 | Education Grant** | Rs | 20,000 |
| 12 | Carriage of Dead Body | Rs | 2,500 |
* Accidental Medical Extension (In the event of Death, Permanent Total Disability and Permanent Partial Disability arising due to accident) –- Medical extension up to 10% of Sum Insured or 50% of claim amount or actual whichever is less.
** Education Grant (In the event of Death, Permanent Total Disability arising due to accident) –- one time Per child Rs 20000/- for maximum of two children upto age of 25 years.
1) Basic documents required to make claim-
Fatal accident Claims
The following documents need to be scrutinized.
iii) Coroner’s report
Medical Extension Claims:
Following document(s) is to be submitted:
1) Duly completed claim form.
2) Report of attending Doctor forming part of Claim Form.
3) Medical Investigation Reports.
4) Reports essential for confirmation of the injury
5) Medical bill corresponding to doctor’s prescription where medical extension is granted.
6) Leave Certificate from the Employer.
7) Investigation Report from Panel Doctor in case of grievous injuries or prolonged treatment..
8) Physical Examination from Panel Doctor.
9) Indoor Patient Report or Hospital Discharge Summary.
10) Police report wherever necessary for confirmation of the incident
11)Certificate of proof of age of dependent child in case the claim is under education grant provision
2) Format to be filled after accident- Claim form
3) Contact person mobile no and email id-
Contact Person (L1): Abhishek Singh/ 8142960470/ abhhisheksingh@uiic.co.in
Escalation (L2): Ms. Vinita Francis/ 9971557052/ vinitafrancis@uiic.co.in