Frequently Asked Questions and Answers on Pravasandhra Bharosa Bima

 APNRT members & NRTs who are employed in abroad and the students studying in abroad are eligible to join the Pravasandhra Bharosa Bima scheme.

  Yes. They can approach APNRT SOCIETY 24/7 Helpline Number (+91 863 2340678) and they can provide all the details required for Pravasandhra Bharosa Bima scheme.

 Policy coverage will start from the date of bond issue, and the Policy Bond will be issued within 15 working days from the Enrolment/ Registration date.

 APNRT Coordinators/ APNRT Society 24/7 Helpline Number (+91 863 2340678) and they will provide all the details required for Pravasandhra Bharosa Bima Scheme.

For Employees

 All salaried employees engaged by employers in both ECR and Non ECR countries are covered by this scheme.

 3 years for employees and there after it is renewable for 3 years.

 Yes. Employees aged between 18 to 60 years are eligible to join the scheme.

  • Passport Copy (Front & Back Pages)
  • Visa Copy
  • Civil ID/ Work Permit Card/ Offer letter of Employer or University (Not Mandatory)
If Death

 No. It is only applicable to Accidental death cases.

 An amount of Rs.10 lakhs will be paid to the Nominee in case of Accidental death.

 The following documents are to be submitted in accidental death cases:

  • Completed claim form (Self attested claim form from Nominee)
  • Passport copy (Front & Back Pages)
  • Death certificate issued by competent Local authority/ Indian Embassy
  • Post-mortem certificate
  • Police Verification Final Report
  • Visa Copy
  • Address Proof of Andhra Pradesh

 Yes, there is provision for getting back the dead body along with one attendant to the nearest Airport in India and One-way economy class air ticket will be reimbursed for the attendant.

 The following documents are to be presented in case of repatriation claims

  • Duly completed claim form from Insured Person
  • Passport copy (Front & Back Pages)
  • Visa Copy
  • Airlines tickets along with medical advices for the need of accompanying person
  • Certificate from the competent medical authority confirming that the insured person contracted major ailments during the period of employment contract.
  • Documentary proof confirming that service contract of the insured person is terminated on account of the insured perils only.
  • Address Proof of Andhra Pradesh
If Total Permanent Disability

 An amount of Rs. 10 lakhs will be paid to the Nominee in case of Total Permanent disability caused due to accident.

 Duly Completed claim form from Nominee.

 Passport copy (Front & Back Pages).

 Visa Copy.

 Certificate issued by the competent authority confirming the Total Permanent disability along with the medical reports are to be submitted.

 Address Proof of Andhra Pradesh.

 Yes, there is provision to bring back the person with Total Permanent disability along with one attendant to the nearest Airport in India and One-way economy class air ticket will be reimbursed for the attendant.

 Economy class Airfare for the Total Permanent disability person and one attendant to the nearest airport to his/her native place will be paid.

  The following documents are to be presented in case of repatriation claims:

  • Duly completed claim form from Nominee
  • Passport copy (Front & Back Pages)
  • Visa Copy
  • Airlines tickets along with medical advices for the accompanying person
  • Certificate from the competent medical authority confirming that the insured person contracted the major ailment(s) during the period of employment contract.
  • Documentary proof conforming that service contract of the insured person is terminated on account of the insured perils only.
  • Address Proof of Andhra Pradesh
Maternity Benefits

 Yes, the insured members will be paid up to Rs.35,000/- in case of normal delivery and up to Rs.50,000/- in case of caesarean operation.

 There are no restrictions. at the time of delivery can apply from India or Abroad.

If Injured

 For accidental injuries/illness an amount of up to 1 lakh will be paid to the insured person towards medical expenses.

 The documents to be submitted in case of hospitalization claims are:

  • Duly completed claim form from Insured person
  • Passport copy
  • Visa Copy
  • Hospital discharge summary along with bills/cash memo prescription, investigation report etc.
  • Address Proof of Andhra Pradesh
Family Benefits

 The insured wife and two children will be paid Rs.50,000/- per annum towards hospitalization expenses till policy in force.

If Legal Assistance

 Yes, an amount of up to Rs.45,000/- will be paid to the insured person towards legal expenses in connection with any litigation related to his/her employment.

 The following documents are to be submitted in case of claims of litigation in relation to the employee’s employment:

  • Duly completed claim form from Insured Person
  • Passport copy (Front & Back Pages)
  • Advocate’s bill along with the required documents
  • Embassy certificate
  • Visa Copy
  • Contract Letter
  • Address Proof of Andhra Pradesh
For Students

 Yes. Students aged between 18 to 60 years are eligible to Enroll the scheme.

  • Passport Copy (Front & Back Pages)
  • Visa Copy
  • The residence address proof (India and Abroad)
  • Proof of NRI status
  • Present Academic year details to be provided
  • Address Proof of Andhra Pradesh
If Injured

 For accidental injuries/ illness an amount of up to Rs. 1 lakh will be paid to the insured person.

  • Duly completed claim form from Insured Person
  • Passport copy (Front & Back Pages)
  • Visa Copy
  • Hospital discharge summary along with bills/cash memo prescription, investigation report etc.
  • Address Proof of Andhra Pradesh
If Death

 No. It is applicable only to Accidental death cases.

 An amount of Rs.10 lakhs will be paid to the Nominee in case of Accidental death.

 The following documents are to be submitted in accidental death cases:

  • Duly completed claim form (Self attested claim form from Nominee)
  • Passport copy (Front & Back Pages)
  • Death certificate issued by competent Local authority/ Indian Embassy
  • Post-mortem certificate
  • Police Verification final Report
  • Visa Copy
  • Address Proof of Andhra Pradesh

 Yes, there is provision to bring back the dead body along with one attendant to the nearest Airport in India and One-way economy class air ticket will be reimbursed to the attendant.

 The following documents are to be presented in case of repatriation claims:

  • Duly completed claim form from Insured Person
  • Passport copy (Front & Back Pages)
  • Visa Copy
  • Airlines tickets along with medical advices for the need of accompanying person
  • Certificate from the competent medical authority confirming that the insured person contracted major ailments during the period of employment contract.
  • Documentary proof confirming that service contract of the insured person is terminated on account of the insured perils only.
  • Address Proof of Andhra Pradesh
If Total Permanent Disability

 An amount of Rs. 10 lakhs will be paid to the Nominee in case of Total Permanent disability caused due to accident.

 Duly completed claim form from Nominee.

 Passport copy (Front & Back Pages).

 Visa Copy.

 Certificate issued by the competent authority confirming the Total Permanent disability along with the medical reports are to be submitted.

 Address Proof of Andhra Pradesh.

 Yes, there is provision for bring back the person with Total Permanent disability along with one attendant to the nearest Airport in India and One-way economy class air ticket will be reimbursed to the attendant.

 Economy class airfare for the Total Permanent disability person and one attendant to the nearest airport in India to his/her native place will be paid.

 The following documents are to be presented in case of repatriation claims:

  • Duly completed claim form from Nominee
  • Passport copy (Front & Back Pages)
  • Visa Copy
  • Airlines tickets along with medical advices for the accompanying person
  • Certificate from the competent medical authority confirming that the insured person contracted the major ailment(s) during the period of employment contract.
  • Documentary proof conforming that service contract of the insured person is terminated on account of the insured perils only.
  • Address Proof of Andhra Pradesh