The RuPay Insurance Program for FY 2024-25 extends the Personal Accident Insurance coverage for RuPay PMJDY (Pradhan Mantri Jan Dhan Yojana) cardholders from 1st April 2024 up to 31st March 2025 (RuPay Insu… p. 1). The New India Assurance Company Ltd continues as the insurance partner (RuPay Insu… p. 1).

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

• Covered Events: Provides financial benefits to the cardholder or nominee for Accidental Death and Permanent Total Disability (PTD) (RuPay Insu… pp. 5, 7).
• Old PMJDY Cards: Accounts opened up to August 28, 2018, qualify for a sum insured of ₹1 Lakh (RuPay Insu… p. 7).
• New PMJDY Cards: Accounts opened after August 28, 2018, qualify for an enhanced sum insured of ₹2 Lakhs (RuPay Insu… p. 7).
• Global Boundary: Features worldwide coverage with claim compensation paid in Indian Rupees (RuPay Insu… p. 8).
• Age Qualification: Open to all cardholders above 5 years of age (RuPay Insu… p. 7).

• The 90-Day Window: Cardholders must perform at least one successful financial or non-financial transaction within 90 days prior to the date of the accident (including the accident date) (RuPay Insu… p. 7).
• Eligible Channels: Valid across intra-bank and inter-bank channels including ATMs, Micro ATMs, POS terminals, E-commerce, or bank Business Correspondents (RuPay Insu… p. 7).
• New Card Exception: Payout remains valid if the accident occurs within 90 days of card issuance before a qualifying usage window can be established (RuPay Insu… p. 11).

• Claim Intimation: Incidents must be intimated via email to rupay@newindia.co.in within 90 days from the date of the accident (RuPay Insu… p. 2).
• Document Mailing Deadline: Complete hard-copy document sets must be submitted by post/courier within 60 days from the intimation date (RuPay Insu… p. 3).
• Physical Address: Sent to Mr. Satish Palav, The New India Assurance Co. Ltd., Borivali (W), Mumbai – 400092 (RuPay Insu… p. 2). Scanned copies are not accepted (RuPay Insu… p. 3).
• Ten-Day Settlement: Eligible claims are settled within 10 working days from receiving the complete set of required documents (RuPay Insu… p. 3).

• Bank Declaration: Official Annexure D on bank letterhead with a signature/seal verifying the 16-digit card number and matching 90-day account statement (RuPay Insu… pp. 5, 21).
• Accidental Death Claims: Completed claim form, original/certified Death Certificate, FIR/Police report, Post Mortem report, and Nominee details (RuPay Insu… pp. 5, 8).
• Disability Claims: Discharge card and medical certificate confirming the precise duration and percentage of disability certified by a treating physician (RuPay Insu… pp. 6, 14).

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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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