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group personal accident insurance india


Coverage up to 20 lacs at a very attractive premium.
Unique combination of one normal Health insurance policy and super top up policy.
Life Long Renewal
1-year pre-existing waiting period for base policy and 4 years for super top up policy.
No Room Rent cap.
No Increase in premium linked to age after 71 years for base policy and 60 years for super top up policy.
Tax Benefit under Section 80D of IT.
Ethika Insurance Broking
InsurerBajaj Allianz for base and United for super top up
Plan NameSilver Health
RenewalLife Long
Pre-Existing Waiting period12 months for base and 48 months for super top up.
Room Rent CapStandard Room
Co-payment20% of co-payment if hospital is outside the network.
Specified Disease wise limitCataract
Other Restrictions50% of Sum Insured restriction for claims arising from pre-existing diseases only for base policy.
Pre and post hospitalisation3% of admissible hospitalization expenses in only base policy.
Other AdvantagesNo Age wise increase in premium after age 71 years for base and 60 years for super top up. Individual Sum Insured for base policy and floater for super top up.
Waiting Period Applicable30 days waiting period applicable for both the policies.
First year waiting period only for base policy.

4 Year waiting period only for base policy.
Pre-Policy check upYes required.
Cumulative Bonus10% of sum insured only for base policy.
Free Look Period15 days
Grace Period30 days
Section 80D benefitRs.50000 if any one (Self or spouse) is more than 60 years age, other wise 25000.
List of hospitals coveredFor Base Policy: Hospital List
For Top-up – Reimbursement mode.

Get in touch with us

At Ethika, we understand that Insurance Broking is about ensuring the best interest of our customers and establishing trust. Our team has diverse experience and strong expertise which enables us to understand your business needs and your risks well. Our experts are highly innovative and they deploy the latest technology tools to bring Speed, Effectiveness and Utmost Responsiveness to your doorstep.

#88, Above MRF Tyres,
Gachibowli – Miyapur Rd,
Hyderabad. 500032

+ 91 84980 94601


Wework Raheja platinum Building
Sag Baug Road, Off, Andheri – Kurla Rd,
Marol, Andheri East,
Mumbai, Maharashtra 400059

+ 91 22 2640 8431

Ethika Insurance Broking Pvt. Ltd. IRDAI Certificate No: 574, Date of License: 8th Aug 2016, License valid till 7th Aug 2019,
Registered Address: 517, B Block, Vijaya Raghwa Township, Nallagandla Bypass Road, Lingampally. 500019
Principal Officer: Susheel Agarwal, Contact Details of Principal Officer: susheel@ethika.co.in +91 8498094600,
Directors: Susheel Agarwal and Suresh Agarwal, Category of License: Direct (Life and General).

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