Personal Accident Insurance

This insurance covers the insured against accidental death, temporary & total permanent disabilities. In case of Death or Injury as a result of an accident due to risk defined in policy, coverage limit in the plan that he/she chose will directly be paid to the beneficiaries (Spouse or Blood Relatives) of the insured if the insured dies or to the insured in case of non-death incident.

Personal accident insurance policy is designed to cover accidental death, permanent total disability due to an accident & temporary total disability due to an accident. Although global cover is usually available, such policy are not meant to cover typical medical expenses.

Whereas, Travel insurance covers risks related to the traveller’s mishaps such as emergency medical expense, loss of passport, lost baggage, delayed flight, travel assistance and the like. Some insurer also include or allow an extension to cover personal accident up to a certain limit.

Yes, medical expenses resulting from accidental injury are usually covered.

Claims are processed and settled by insurance company once all the documents are submitted and approved. Comet has also made insurance claims process easy and less time consuming for it’s customers. As soon as you become aware of the incident that could be valid claim, take the following immediate action;
Claims Process

• Notify your insurer immediately by means specified on the policy. You can also notify Comet by any of the following ways;
  • Call our 24/7 Customer Service Centre on 0334-26638-21
  • Chat with our Customer Service Centre
  • Register claim on Claims Support section
  • Send us an email on customerservice@cometinsure.com
• Our Customer Service Centre assists in completion of claim form and required documents.
• We get your claim settled by insurer.

Claim Advice

• Do not admit liability in case third party is involved.
• Wherever possible do not expense without insurer’s written approval.
• Obtain police or any relevant authorities’ report, if involved.
• Maintain records of all invoices.

Following are the standard exclusions under personal accident policy;

• Intentional Self Injury, suicide or attempted suicide whether felonious or not.
• War, Terrorism, Sabotage and nuclear exclusion.
• The insured being under the influence of, or being affected by Intoxicants or in a pregnancy/ natal related condition.
• The insured engaging or taking part in naval, military, air force and law enforcement service or operations.