The RuPay Insurance Program for FY 2024-25 extends the personal accident insurance coverage for RuPay Platinum and Select cards from 1st April 2024 up to 31st March 2025 (RuPay Insu… p. 1). TATA AIG General Insurance Company Ltd continues as the primary insurance partner (RuPay Insu… p. 1).

Here are the key updates and points from the latest guidelines:

• Covered Incidents: Offers financial protection for Accidental Death and Permanent Total Disability (PTD) (RuPay Insu… p. 7).
• Platinum Plan: Provides a capital sum insured of up to ₹2 Lakhs (RuPay Insu… p. 7).
• Select Plan: Provides an extended capital sum insured of up to ₹10 Lakhs (RuPay Insu… p. 7).
• Global Boundary: Valid worldwide across all non-restricted territories, paid entirely in Indian Rupees (RuPay Insu… p. 8).

• The 30-Day Rule: The cardholder must complete at least one successful transaction within 30 days prior to the date of the accident (including the accident date) (RuPay Insu… p. 7).
• Eligible Channels: Limited strictly to physical card usage at POS terminals or card-detailed E-commerce online transactions (RuPay Insu… p. 7).
• Exclusions: UPI transactions and ATM cash withdrawals are NOT covered and do not qualify you for the insurance benefit (RuPay Insu… p. 7).
• New Card Clause: Validates claims without the 30-day transaction history if an incident occurs within 30 days of initial card issuance (RuPay Insu… p. 12).

• Intimation Deadline: The incident must be reported via phone (18002667780) or email (general.claims@tataaig.com) within 90 days of occurrence (RuPay Insu… p. 2).
• Scan Uploads: Unlike previous rules requiring physical documents first, scanned copies can now be uploaded online directly to the TATA AIG Servicing Portal once the claim is registered (RuPay Insu… p. 2).
• Fast-Tracked Paperwork: All requested supporting documents must be digitally or physically submitted within 30 days from the intimation date (RuPay Insu… pp. 3, 9).
• Reopening Proved Claims: Claims closed due to missed documentation deadlines can be actively reopened upon providing the full set of papers later (RuPay Insu… p. 3).

• Bank Declaration: Official Annexure D on bank letterhead confirming the 16-digit card number and matching 30-day account statement log (RuPay Insu… pp. 5, 24).
• Accidental Death: Completed claim form, Death Certificate, official FIR copy (translated into English/Hindi), and Post Mortem report (RuPay Insu… pp. 4-5).
• Disability Claims: Disability certificate from a competent medical authority, hospitalization history, and a photograph of the disabled body organ (RuPay Insu… p. 5).

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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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