PNB Bank RuPay Insurance Program 2023-24 for RuPay Platinum & Higher Variant Cards from Download

The RuPay Insurance Program (2023-24) provides Personal Accident Insurance to RuPay Platinum and Select cardholders (dd.pdf pp. 1, 7).

Here are the key points of the program and its claim process:

• Covered Events: Provides financial protection against Accidental Death and Permanent Total Disability (PTD) (dd.pdf p. 7).
• Platinum Cards: Offers an insurance sum insured of up to ₹2 Lakhs (dd.pdf p. 7).
• Select Cards: Offers an insurance sum insured of up to ₹10 Lakhs (dd.pdf p. 7).
• Global Scope: Covers incidents occurring both within India and internationally (dd.pdf p. 7).

• The 30-Day Rule: Requires at least one successful financial transaction (POS or E-commerce) within 30 days prior to the accident date (dd.pdf p. 7).
• New Card Exception: Validates coverage without the 30-day transaction rule if the accident occurs within 30 days of card issuance (dd.pdf p. 11).
• Multiple Cards: Restricts payouts to only one eligible RuPay card per customer across all banks (dd.pdf pp. 11-12).

• Claim Intimation: Must be reported within 90 days of the accident to TATA AIG via designated emails (dd.pdf p. 1).
• Document Submission: Requires physical hard copies sent via post or courier within 60 days of intimation (dd.pdf p. 2).
• Settlement Window: Settles valid claims within 30 working days from receiving complete documents (dd.pdf p. 2).
• System Closure: Closes the claim automatically on the 90th day if missing documents are not submitted after reminders (dd.pdf p. 2).

• Bank Declaration: Official bank stamp confirming card type, 16-digit card number, and nominee details (dd.pdf p. 5).
• Transaction Log: Certified 30-day bank account statement highlighting the qualifying transaction (dd.pdf pp. 5, 23).
• Death Claims: Certified copies of the Death Certificate, FIR (translated to English/Hindi), and Post Mortem Report (dd.pdf pp. 4-5).
• Disability Claims: Discharge card and medical certificate specifying the precise duration and percentage of disability (dd.pdf p. 5).

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