Coverage	Sum Insured (INR)	Additional Conditions
Accidental Death Benefit or Permanent Total Disability and/or Permanent Partial Disability	5,00,000
Temporary Total Disability	INR 16,666.67 per month of disability for a maximum upto INR 2,00,000	The first benefit will be payable only if the total disability period exceeds 30 days. The subsequent benefit after the first benefit under the cover will be paid at the end of each month if the disability exceeds 1 month from the last paid benefit under this cover.
Accidental Medical Expense Reimbursement	30,000	Minimum Hospitalization of 24 hours
OPD Treatment	1,500	Deductible on each claim: INR 500
Funeral Expenses	5,000
Child Education Cover	20,000	Provided for one year
Electronic Equipment Cover	2,000	Covers only damage to Mobile Phone due to an Accident and such accident has resulted in the hospitalisation of the insured (loss or theft to mobile phone are excluded and Electronic Equipment other than Mobile Phones are not covered).
Loss of Baggage and Personal Effects	500	Covers only damage to Helmet due to an Accident and such hospitalisation has resulted in the hospitalisation of the insured.
Mobility Cover	2,500	Covers Wheelchair Only
Loan Protector	1,00,000	For loans from authorized NBFCs and Scheduled Banks

2. General Conditions:

We should be given immediate written notice of any event that may give rise to a claim under the Policy, in accordance with the claims procedure under the Policy;
All claims made under the Policy will be subject to the applicable deductible, any sub-limits and the availability of the Sum Insured.
The Policy does not cover any contractual and consequential liability, except as covered in the Policy or the Certificate of Insurance issued to the customer.

3. General Exclusions

Acko shall not be liable to make any payment for any claim under the Policy in respect of an Insured Person, directly or indirectly for, caused by, arising from or in any way attributable to any of the following, except where provided to the contrary under any Benefit(s) within the Policy:

Suicide or attempted suicide, intentional self-inflicted Injury or acts of self-destruction, whether the Insured Person is medically sane or insane.
Bacterial infections (except pyogenic infection which occurs through a cut or wound due to Accident).
Medical or surgical treatment except as necessary solely and directly as a result of an Accident.
Certification of disability by a Medical Practitioner who shares the same residence as the Insured Person or who is a member of the Insured Person’s family.
Death, disability or illness directly or indirectly caused by or associated with any venereal disease or sexually transmitted disease.
Death, disability or illness resulting directly or indirectly, contributed or aggravated or prolonged by childbirth or from pregnancy or a consequence thereof including ectopic pregnancy unless specifically arising due to Accident.
Death, disability or illness caused by participation of the Insured Person in any flying activity, except as a bona fide passenger on a public aircraft, which is operating under a valid license from the relevant authority for the transportation of passengers.
Death, disability or illness or Injury arising from or caused by ionizing radiation or contamination by radioactivity from any nuclear fuel (explosive or hazardous form) or resulting from or from any other cause or event contributing concurrently or in any other sequence to the loss, claim or expense from any nuclear waste from the combustion of nuclear fuel, nuclear, chemical or biological attack.
Any change of profession after inception of the Policy which results in the enhancement of Our risk under the Policy, if not accepted and endorsed by Us on the Certificate of Insurance.
Any journey where the Insured Person is travelling as a commercial driver, operator or crew member in, or carrying out any testing or repairs on a Common Carrier.
Any intentional illegal or unlawful act or confiscation, detention, destruction by customs or other authorities or any breach of government regulation.
Any failure to take reasonable precautions to avoid a claim under the Policy following a mass media or government issued warning.
Any event arising from or caused due to use, abuse or a consequence or influence of an abuse of any substance, intoxicant, drug, alcohol or hallucinogen.
Any journey commenced to obtain medical care, treatment or advice of any kind whether is the sole purpose of customers journey or not.
Any breach of law or participation of the Insured Person in an actual or attempted felony, riot, crime, misdemeanour or civil commotion with criminal intent.
Any act of foreign invasion, act of foreign enemies, hostilities, warlike operations (whether war be declared or not or while performing duties in the armed forces of any country during war or at peace time), and participation of the Insured Person in any naval, military or air-force operation, civil war, public defence, rebellion, revolution, insurrection, military or usurped power.
Engaging in any Hazardous Activities, testing of any kind of Common Carrier, engaging in manual work during a journey, engaging in any offshore work activity, mining, tunnelling or any work involving electrical installation with high tension supply, aerial photography, ammunition, explosives, firearms or flight duty, except as a fare-paying passenger.
Any journey commenced when You are not fit to travel or are travelling against the advice of a Medical Practitioner.
Chemical attack or weapons means the emission, discharge, dispersal, release or escape of any solid, liquid or gaseous chemical compound which, when suitably distributed, is capable of causing any Illness, incapacitating disability or death.
Biological attack or weapons means the emission, discharge, dispersal, release or escape of any pathogenic (disease producing) microorganisms and/or biologically produced toxins (including genetically modified organisms and chemically synthesized toxins) which are capable of causing any Illness, incapacitating disability or death.
Any generally excluded non-medical expenses as provided in Annexure I of the underlying Policy.

4. Claim & Documents:

The Rapido Captain can file a claim for any of these coverages on the Acko Website. Alternatively, he/she can reach Acko at the Contact number(s)/ Email id provided below for registration of claim:

Acko: 1800 266 2256 and Email id: rapidocare@acko.com

The Insured needs to submit following documents in case of a claim:

Hospital bills, prescriptions and discharge summary in case of medical treatments.
Respective certificates & reports in case of death or disability.
Any other documentation that Acko may require upon intimation of claim.
For payment we will require a cheque/ cancelled cheque from the claimant.

Claims process for Rapido Captains on Acko Website:

Go to www.acko.com and Login with your mobile number registered on Rapido and enter the OTP you receive.
Under the ‘Claims’ section, select ‘Rapido Captain Insurance’ which opens your ‘My Account’ page
Select the trip for which you want to claim insurance, which will take you to the policy detail page. Click on Initiate Claim to claim.
Select the type of claim, follow the next few steps, and your claim will be registered with Acko.

5. Benefit Definition

Accidental Death Benefit:

If an Insured Person suffers an Injury due to an Accident that occurs during the Travel Period and Injury solely and directly results in the Insured Person’s death within 365 days from the date of the Accident, Acko will pay the Sum Insured.

Permanent Total Disability:

If an Insured Person suffers an Injury due to an Accident that occurs during the Travel Period and that Injury solely and directly results in the Permanent Total Disability of the Insured Person which is of the nature specified in the table below, within 365 days from the date of the Accident, Acko will pay the Sum Insured:

Nature of Permanent Total Disability
Total and irrecoverable loss of sight in both eyes
Loss by physical separation or total and permanent loss of use of both hands or both feet
Loss by physical separation or total and permanent loss of use of one hand and one foot
Total and irrecoverable loss of sight in one eye and loss of a Limb
Total and irrecoverable loss of hearing in both ears and loss of one Limb/ loss of sight in one eye
Total and irrecoverable loss of hearing in both ears and loss of speech
Total and irrecoverable loss of speech and loss of one Limb/ loss of sight in one eye
Permanent, total and absolute disability (not falling under any one the above) which results in the Insured Person being unable to engage in any employment or occupation or business for remuneration or profit, of any description whatsoever which results in Loss of Independent Living

Permanent Partial Disability:

If an Insured Person suffers an Injury due to an Accident that occurs during the Travel Period and that Injury solely and directly results in the Permanent Partial Disability of the Insured Person which is of the nature specified in the table below within 365 days from the date of the Accident, Acko will pay the amount specified in the table below:

Nature of Permanent Partial Disability	Percentage of the Sum Insured payable
i. Total and irrecoverable loss of sight in one eye	50%
ii. Loss of one hand or one foot	50%
iii. Loss of all toes - any one foot	10%
iv. Loss of toe great - any one foot	5%
v. Loss of toes other than great, if more than one toe lost, each	2%
vi. Total and irrecoverable loss of hearing in both ears	50%
vii. Total and irrecoverable loss of hearing in one ear	15%
viii. Total and irrecoverable loss of speech	50%
ix. Loss of four fingers and thumb of one hand	40%
x. Loss of four fingers	35%
xi. Loss of thumb- both phalanges	25%
xii. Loss of thumb- one phalanx	10%
xiii. Loss of index finger-three phalanges	10%
xiv. Loss of index finger-two phalanges	8%
xv. Loss of index finger-one phalanx	4%
xvi. Loss of middle/ring/little finger-three phalanges	6%
xvii. Loss of middle/ring/little finger-two phalanges	4%
xviii. Loss of middle/ring/little finger-one phalanx	2%

Temporary Total Disability:

If an Insured Person suffers an Injury due to an Accident that occurs during the Travel Period and that Injury solely and directly results in the disability of the Insured Person which prevents the Insured Person from engaging in any employment or occupation on a temporary basis, then Acko will pay the amount specified in the Certificate of Insurance at the frequency specified in the Certificate of Insurance for the duration that the Temporary Total Disability continues.

Accidental Medical Expense Reimbursement:

If an Insured Person suffers an Injury due to an Accident that occurs during the Travel Period and that Injury solely and directly requires the Insured Person to be Hospitalized or undergo Day Care Treatment, then Acko will reimburse the costs incurred on Medical Expenses upto limit specified in Certificate of Insurance.

OPD treatment:

If an Insured Person suffers an Injury due to an Accident that occurs during the Travel Period and that Injury solely and directly requires the Insured Person to undergo OPD Treatment for any of the treatments/tests/consultations specified in the Certificate of Insurance or for treatment of fractures, burns or Dental Treatment then Acko will reimburse the costs incurred on Medical Expenses.

Funeral Expenses:

Acko will pay the amount specified in the Certificate of Insurance towards expenses on the funeral, cremation/ or burial and transportation of the body to the place of the funeral ceremony for the Insured Person.

Child Education Cover:

Acko will pay the amount specified in the Certificate of Insurance at the frequency specified in the Certificate of Insurance in respect of each surviving Dependent Child, irrespective of whether the child is an Insured Person under this Policy.

Electronic Equipment Cover:

Acko will reimburse the actual loss incurred up to the amount specified in the Certificate of Insurance in relation to the permanent and total loss of the Insured Person’s Mobile Phone Equipment due to any Accidental damage, loss or theft during the Travel Period.

Loss of Baggage and Personal Effects:

Acko will reimburse the actual loss upto the limit specified in the Certificate of Insurance incurred in relation to the permanent and total loss of the Insured Person’s Helmet during the Travel Period.

Mobility Cover:

Acko will reimburse the expenses incurred on the purchase of Wheelchair as support item for the Insured Person to resume normal living following the Injury sustained in the Accident during the Travel Period.

Loan Protector:

If an Insured Person suffers an Injury due to an Accident that occurs during the Coverage Period, Acko will pay an amount equal to the Insured Person’s outstanding principal amount of Loan, subject to this amount not exceeding the amount specified in the Certificate of Insurance.

6. Grievance Redressal

For resolution of any query or grievance, insured may write an e- mail at gro@acko.com. In case the insured is not satisfied with the response of the office, insured may contact the Grievance Officer of the Company at the following address:

Grievance Redressal Officer
Acko General Insurance Limited
36/5, Hustlehub One East, Somasandrapalya,
27th Main Rd, Sector 2, HSR Layout,
Bengaluru, Karnataka 560102.

In the event of unsatisfactory response from the Grievance Officer, he/she may, register a complaint in the Integrated Grievance Management System (IGMS) of the IRDAI.

Where the grievance is not resolved, the insured may, subject to vested jurisdiction, approach the Insurance Ombudsman for the redressal of grievance.

Please note that this is only a basic description of the key terms of the Policy and the full list of policy conditions and exclusions are available at: http://www.acko.com/download

Once you have opted for cover, you will receive a Certificate of Insurance from Acko which will contain complete details of your cover under the Policy, and the applicable conditions and exclusions.