Do you know that as an LPG consumer,
you can claim insurance coverage? Are you aware of your LPG Insurance Policy?
LPG consumers are protected for accidental deaths and injuries in case the gas
cylinders burst.
This third party liability policy
(public liability policy) provides personal accident cover, reimburses medical
expenses and covers property damage at authorized customer’s registered
premises. The sum assured given to the accident victims is based on per
event (accident) and per person (victim).
Public Liability Insurance Policies for accidents involving LPG
Indane distributors are obliged to
obtain Insurance policy to cover any losses including Third Party Insurance
towards accidents involving LPG. In addition, PSU Oil Marketing Companies (M/s
HPCL, M/s BPCL and M/s IOCL) also take a comprehensive ‘Public Liability Policy
for Oil Industries’. The above insurance policies taken by Indane LPG
Distributors/ PSU Oil Marketing Companies are Public Liability Policies and are
not in the name of any individual LPG customer.
The expenditure towards payment of
premium for the above Insurance policies is incurred by Indane
distributors/OMCs on their own and is not separately recovered from the
customer.
‘Public Liability Policy for Oil Industries’
Limit of liability :
Personal Accident cover to third
parties and LPG customers and property damage at authorized customers’
registered premises:
(a) Personal Accident : Rs.6,00,000
per person per event in case of death
(b) Medical expenses : Max Rs.2,00,000 per person (Limited to Rs 30,00,000/-
per event)
(c ) Property damage : Max. Rs. 200,000/- per event at authorized customers’
registered premises.
(d) Per year in aggregate: Rs. 10 Crore
Claim Procedure
Any accident involving consumer’s LPG
installation should be forthwith intimated to the Corporation’s distributor
from whom the consumer received supply.
Indane distributor / Area Office,
after preliminary inquiry will in turn notify the local office of the concerned
Insurance Company for further action towards processing the claim as per terms
of the Insurance policy.
Consumers are not required to apply
to Insurance Company or to contact them directly.
Consumer is required to submit to the
Oil Company the relevant documents viz. in case of death - originals of Death
Certificate(s) and Post Mortem report(s) /Coroners report/Inquest report, as
applicable; in case of injuries - Doctors' Prescriptions in original supporting
the purchase of medicines, original Medical Bills, Discharge Card in original
and any other documents related to hospitalization.
Property loss - the Insurance Company
appoints their Surveyor to assess the loss.
Note: Claims
are settled based upon merit of each case. The concerned Insurance Company
takes decision regarding settlement of the claim as per the provisions of
Insurance Policy.
As the policy cover is taken by the
distributor/OMCs, Insurance Companies remit the claim amount to the concerned
distributor/Oil Company who in turn remits the same to the claimant /
beneficiary.
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