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  • Overview
  • Features And Benefits
  • Calculate Premium
  • Types of Personal Accident Insuance
  • Coverages
  • Compare Plan
  • Premium Components
  • Eligibility and Required Documents
  • Buy / Renew
  • Claim Process
  • Terminologies
  • Policy Download
  • FAQs
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Calculate Premium for Shriram Personal Accident Insurance

How to Calculate Shriram Personal Accident Insurance Premium?

Shriram Personal Accident Insurance premium is calculated by a range of factors such as sum insured, type of policy, occupation, annual income, age and policy term

Sum Insured

In the event of accidental death or permanent disability, the maximum amount payable to the insured is determined by the sum insured

Occupation

Premiums for Personal Accident Insurance are determined based on the insured's occupation risk category and occupation

Annual Income

The sum insured for Personal Accident Insurance is typically calculated based on the insured's annual income

Age of the Insured

The Personal Accident Insurance premium is determined by taking the insured's age into consideration. The higher the person’s age, the higher the risk associated with it

Type of Policy

The plan and coverages selected by the insured influence the insurance premium. It is best to research and compare various plans before choosing the suitable one

Policy Term

Extending the coverage period by choosing a longer policy term will result in a higher premium. However, the insured can have enhanced protection throughout their policy term

Frequently Asked Questions

Why should I purchase Shriram Personal Accident Insurance?

Shriram Personal Accident Insurance policy will protect you and your loved ones against unforeseen events.

 It provides:

         • A fixed sum insured at the time of insured losses
         • Financial assistance at the time of demise or disability
         • Covers against emergency hospital expenses

Can I select any add-on riders with Shriram Personal Accident Insurance policy?

Yes, you can select any of the following add-on covers:

• Medical Expense Reimbursement
• Hospital Confinement Allowance
• Accidental Hospitalisation Cover
• Children’s Education Benefits
• Transportation of Mortal Remains

How is the premium for Shriram Personal Accident Insurance policy calculated?

The premium for Personal Accident Insurance is determined by:

        • Sum Insured
        • Occupation
        • Annual Income
        • Age
        • Policy Tenure
        • Type of Policy
        • Optional Add-ons
        • Dependents

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Blogs

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Exploring the Role of AI in Predictive Vehicle Maintenance

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Car issues, such as transmission problems or suspension failures, can be costly to many drivers. They require expensive repairs or even complete replacements of high-end car parts. The only way you can minimise vehicle repair bills is by addressing a car issue before it snowballs into something big and complex. It is exactly what AI predictive vehicle maintenance does. Modern vehicles equipped with AI systems constantly gather data from multiple sensors to predict a component failure or other potential issues before they occur. Machine Learning (ML) algorithms help identify unusual patterns in car performance or components, and send alerts to drivers or authorised parties so that timely maintenance can be conducted. It not only reduces downtime but also makes your vehicle more secure and efficient. In this blog, you’ll explore AI vehicle maintenance in detail so you can upgrade your car maintenance routine.

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Car aerodynamics influences speed, safety, and fuel economy by changing how air flows around a moving car. It employs downforce to keep the automobile stable and safe at high speeds, and it reduces drag to let cars go faster. It also has optimised airflow to reduce energy loss and make better use of fuel. These combined effects make active aerodynamics essential in both everyday and high-performance models. This blog simplifies what aerodynamics means and how it influences your car’s speed, safety, and fuel efficiency.

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