Personal Accident Shield

Accident Shield Insurance



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Feel secure with a personal accident insurance cover

Get covered for
up to Rs. 20 lakh
Premium starting from less than
Rs. 5 per day

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Royal Sundaram’s Accident Shield offers Personal Accident Insurance cover to support you and your family during some unforeseen events such as death and permanent total disablement. As a cardholder, you can avail this cover for yourself, spouse, children and parents, falling in the age bracket of 18 to 70 years.

  • No-claim bonus : Get no-claim bonus of 5% increase in SI for every claim free year subject to a maximum of 25%
  • Recovery benefit : Fixed amount of monthly benefit of up to Rs. 20,000 is payable as compensation for every month up to 12 months for Permanent Total Disablement arising out of accident
  • No medical examination needed before application
  • This policy has been designed by Royal Sundaram General Insurance Co. Limited

Premium charges

    At inception, you may review the terms and if you find the same not acceptable, opt out of the policy within 15 days from the date of receipt of policy documents. If you have not made any claim, you will be refunded the premium amount paid less proportionate premium for the period you were under cover and stamp duty charges.

  • Events: Sum insured (Rs. 20 lakh)
  • Accidental death: 100% of Sum insured
  • Permanent Total Disability (Loss of two eyes / limbs): 100% of Sum Insured
  • Loss of one eye or one limb: 50% of Sum insured
  • Monthly recovery: Rs. 10,000/15,000/20,000 (as per chosen plan)
  • The below rates are inclusive of 14% service Tax, 0.5% Swachh Bharat Cess and 0.5% Krishi kalyan Cess.

    Benefit (Unique offer)

    Plan Name Plan 1 Plan 2 Plan 3
    Sum Insured (INR) 10,00,000 15,00,000 20,00,000
    Premium (Self Only) 990 1,356 1,773
    Premium (Self + Spouse) 1,981 2,712 3,543

Accident Shield - Special Conditions

SBI Cards and Payment Services Private Limited (SBICPSL) will not be liable or responsible for any actions, losses, damages, claims, costs, charges and expenses, which the SBI Cardholder may suffer, sustain, or incur by way of this offer or which may arise out of use of any services availed by the SBI Card holder under this offer. All queries, claims or disputes arising out of any account whatsoever shall be taken up by the SBI Cardholder directly and solely with Royal Sundaram.

Payment of insurance premium for the Accident Shield shall be exclusively charged to the cardholder’s SBI Credit Card.

This policy provides for lifelong renewal and you can remit the renewal premium on or before expiry date of the policy. You are also given a 30 day grace period to remit renewal premium and maintain continuity of coverage. However, during this grace period no coverage shall be provided.

To avail the automatic renewal facility, please send a written request to Royal Sundaram General Insurance Co. Limted., 60 days before the expiry of your policy.

Cover will not be paid if injury, disablement, or death is a result of:

  • Intentional self-injury, suicide, or attempted suicide
  • While under the influence of liquor or drugs
  • While engaging in aviation or ballooning, while mounting onto or dismounting from or traveling in any balloon or aircraft other than as a fare paying passenger or otherwise in any duly licensed standard type of aircraft licensed to carry passengers anywhere in the world
  • Directly or indirectly caused by pregnancy, childbirth, venereal diseases, AIDS, or insanity
  • Arising or resulting from the insured person committing any breach of law with criminal intent
  • While engaged in defined hazardous occupations and hazardous sports
  • War and allied perils or nuclear weapon material and consequence thereof
  • Sickness, pre-existing disease or disability
  • Nuclear, chemical or biological terrorism

Persons working in the following professions are excluded from the preview of the cover :

Aircraft pilots and crew, Armed Forces personnel, artistes engaged in hazardous performances, aerial crop sprayer, gambling bookmaker, demolition contractor, explosives users, seagoing fisherman, Jockey, marine salvager, miner and other occupations underground, off-shore oil or gas rig worker, full time policeman, pop musicians, professional sports person, roofing contractors and all construction, maintenance and repair workers at heights in excess of 50ft or 15m, saw miller, scaffolder, scrap metal merchant, armed security guard, steeplejack, stevedore, structural steelworker, tower crane operator, tree feller, ship crew, travel agency business, air coupon and ticket business.

Please refer to your policy documents for detailed list of exclusion.

For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

Insurance is a subject matter of solicitation.

SBI Card is the Corporate Agent of Royal Sundaram General Insurance Co. Limited vide IRDAI Registration code CA0075

Royal Sundaram General Insurance Co. Limited IRDAI Registration No.102

Product UIN No: IRDA/NL-HLT/RSAI/P-P/V.I/192/13-14

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