Personal Accident Cover

The Group Personal Accident Cover Policy will be issued by Insurer Religare Health Insurance Company Limited, in the name of “Clout Mobitech Private Limited” for insuring registered members as per policy terms and conditions. Edelweiss Insurance Brokers Limited is acting as a General Insurance Brokers in placement of policy.

Scope of the Policy

  • The scope of the policy shall extend on a worldwide basis, and therefore the cause of action may arise in India or elsewhere in the world.
  • Every individual is covered up to the sum insured of INR 100,000.
  • Coverage - The coverage will start after 6 months from the Ex-factory date automatically. Policy will be annual start for 1 year duration from Invoice start date / mobile activation date or 6 months from the Ex-factory date whichever is earlier. Policy remains valid for 1 year from the date of activation and invoice date of the mobile phone.
  • This Insurance is not applicable for the individuals buying Second hand Mobile phone.
  • Maximum liability of insurance company for any one individual will be Rs 100,000 even if the person has higher number of mobile phones issued in his/her name.

Who is covered?

  • Any individual between the age group of 18-65 years.
  • Person who has purchased the phone (Recognized through Phone IMEI)and has activated the phone using his own phone number [issued under his name or immediate family member (Parents, siblings or children)]

What is covered?

A. Accidental Death : Accident means a sudden, unforeseen and involuntary event caused by external and visible and violent means. Compensation is paid to the nominee (Legal Heirs) of the insured in case there is an injury resulting in the loss of life of the Insured.

B.   Permanent Total Disablement  : If the Injury suffered by the Insured Member solely and directly results in any of the following Insured Events within twelve calendar months of the occurrence of the Injury.

Sr. No. Insured Events

E2.1    Total and irrecoverable loss of sight of both eyes, or of the actual loss by physical. separation of two entire hands or two entire feet, or one entire hand and one entire foot, or of the total and irrecoverable loss of sight of one eye and loss by physical separation of one entire hand or one entire foot

E2.2    Total and irrecoverable loss of

(a) use of two hands or two feet, or

(b) one hand and one foot, or

(c) sight of one eye and use of one hand or one foot

E2.3    Total and irrecoverable loss of sight of one eye, or of the actual loss by physical separation of one entire hand or one entire foot

E2.4    Total and irrecoverable loss of use of a hand or a foot without physical separation

E3    Paraplegia or Quadriplegia or Hemiplegia

Note: For the purpose of the above Insured Events, physical separation of a hand or foot shall mean separation of the hand at or above the wrist and of the foot at or above the ankle. (ii) For the purpose of this Benefit only:

  1. Hemiplegia means complete and irrecoverable paralysis of the arm, leg, and trunk on the same side of the body;
  2. Paraplegia means complete and irrecoverable paralysis of the whole of the lower half of the body (below waist) including both the legs;
  3. Quadriplegia means complete and irrecoverable paralysis of all four limbs.

What is not covered?

Death of the insured in the events listed below is not covered under the scope of this policy.

  • Natural Death
  • Suicide, suicide attempt, or self Inflicted Injury, sexually transmitted condition, mental disorder,anxiety, stress or depression.
  • Being under influence of drugs, alcohol or other intoxication or hallucinogens.
  • Participation in actual or attempted felony, riot, crime misdemeanor or civil Commotion
  • Violation of any law of land with criminal intent
  • Death resulting from pregnancy or child birth
  • Participation in any kind of motor speed contest
  • While engaged in aviation, or whilst mounting or dismounting from or travelling in any aircraft (Exclusion not applicable to fare paying passenger)
  • Underground Mining and contractor specializing in tunneling
  • Naval military or air force personnel
  • Ionizing radiation, nuclear risk or Radioactivity
  • Mosquito Bite
  • Hazardous occupation/activities are not covered under the scope of the policy as per standard terms of Policy.

Personal Accident Cover

Claim Procedure

Upon the happening of any event, giving rise or likely to give rise to a claim under this policy; the claimant should take following necessary actions:

The Claim has to be intimated to Edelweiss Insurance Brokers Ltd., by the nominee of the insured within 7 days of the death of the insured. The contact Details are mentioned below:

Contact No.: 022 - 6713 3791

E Mail ID:

Additionally, the information on Claim will also be available to the Customer by calling directly at the toll free number of Religare Health Insurance - 1800-200-4488

Claim Documents:

In the event of death mandatory documents are to be sent to Edelweiss Insurance Brokers Ltd.

  1. Handsets Invoice
  2. Insured member detail with Register Mobile number
  3. Identification proof
  4. Claim Form
  5. F.I.R. and Panchnama
  6. Death certificate
  7. Any other document

The claim documents should reach Edelweiss Insurance Brokers Ltd. within 30 days from the date of intimation ,failing to which the insurance company shall not be liable to pay the claim.


  • The Scanned copy of the claim documents are to be sent to Edelweiss Insurance Brokers Ltd. on
  • The Original Documents are to be sent to Edelweiss Insurance Brokers Ltd. Office address:

Vasant Mahadik
M/s. Edelweiss Insurance Brokers Ltd.
Address: Unit No.1201/1202, 12th Floor, 'C' Wing, Godrej Coliseum, Everard Nagar, Chunabhatti, Mumbai - 400022.

Claim Settlement:

Following Nominee Details would be required at the time of Claim payment

  • Payee name of the nominee
  • Account details for Electronic funds transfer (EFT mandate form and cancelled cheque)
  • AML documents (PAN card/Photo ID, Address proof, Relationship proof and 2 colour photographs) of the Nominee/Legal heir.
  • Legal Heir certificate.


In case the claimant is aggrieved in any way, the claimant may contact Vasant M Mahadik during normal business hours or can mail their queries on Mail Id’ provided below.

Escalation Matrix:

Escalation Level Contact Person name Email ID Contact Number
Level 1 Vasant M. Mahadik 7400039415
Level 2 M. P. Dhanadhan 9819866293
Level 3 Dr. Laxmikant Yadav 7506361576