PNB Bank RuPay Insurance Program FY 2025-26 for RuPay Platinum & Higher Variant Cards from Download

The RuPay Insurance Program for FY 2025-26 extends personal accident insurance coverage for RuPay Platinum and Select cards from March 31, 2025, to March 31, 2026 (RuPayInsur… p. 1). For this fiscal year, The New India Assurance Company Ltd serves as the primary insurance partner (RuPayInsur… p. 1).

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

• Covered Events: Provides financial benefits for Accidental Death and Permanent Total Disability (PTD) resulting from non-intentional, accidental injuries (RuPayInsur… p. 7).
• Platinum Plan: Provides a capital sum insured of up to ₹2 Lakhs (RuPayInsur… pp. 7, 12).
• Select Plan: Provides an extended capital sum insured of up to ₹10 Lakhs (RuPayInsur… pp. 7, 12).
• Global Scope: Features worldwide coverage across all territories with claim settlements paid in Indian Rupees (RuPayInsur… pp. 8, 13).
• Card Limit Restriction: Payouts are restricted to only one eligible RuPay card per customer across all banks (RuPayInsur… pp. 11, 16).

• The 30-Day Rule: The cardholder must complete at least one successful card-induced transaction within 30 days prior to the date of the accident (including the accident date) (RuPayInsur… pp. 7, 12).
• Eligible Channels: Limited to domestic or international financial transactions at physical POS terminals (contact or contactless), E-commerce online platforms, or any RuPay Credit Card linked UPI transactions (RuPayInsur… pp. 7, 12).
• Exclusions: ATM cash withdrawals or transactions do NOT qualify under the insurance usage criteria (RuPayInsur… pp. 7, 13).
• New Card Clause: Validates coverage without the 30-day history if the incident occurs within 30 days of initial card issuance (RuPayInsur… pp. 11, 16).

• Claim Intimation: Incidents must be intimated via email to rupay@newindia.co.in within 90 days of the accident (RuPayInsur… p. 2).
• Document Mailing Deadline: Complete hard-copy document sets must be physically submitted within 60 days from the intimation date (RuPayInsur… p. 3). Scanned images are not accepted (RuPayInsur… p. 3).
• Physical Address: Sent to Non Suit Claim Hub 140001, The New India Assurance Co. Ltd, 2nd Floor, Jeevan Seva Building, Santacruz (W), Mumbai – 400054 (RuPayInsur… p. 2).
• Settlement Window: Eligible claims are settled via NEFT within 30 working days from receiving the complete document set (RuPayInsur… pp. 3-4).

• Bank Declaration: Official Annexure D on bank letterhead confirming the 16-digit card number and matching 30-day transaction log (RuPayInsur… pp. 8, 21).
• Accidental Death Claims: Completed claim form (Annexure C), certified Death Certificate, FIR/Police report (with notarized English/Hindi translation), Post Mortem report, and Nominee CKYC/banking details (RuPayInsur… pp. 4-5).
• Disability Claims: Claim form, medical disability certificate from a competent authority, discharge card detailing case history, and a photograph of the disabled organ (RuPayInsur… p. 5).

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