Here’s How Uber Riders Can Claim Insurance For Accidents, Medical Bills

Global ride-hailing major Uber has now rolled out a new feature for its India customers with passenger insurance at no extra cost over and above the ride fare. Uber India has partnered with insurance companies Bharti AXA and TATA AIG.

Bharti AXA’s chief distribution officer Saurav Jaiswal said the company will secure Uber riders against any accident/mishap during the duration of the ride. “This is an addition to our ‘satchet’ised insurance solutions to provide coverage to customers as per their needs,” he added.

To claim the insurance, the riders will have to go to the ‘Past Trips’ section in the app and give feedback on the respective ride. Later, the claimant will then have to navigate to ‘Menu’ option and select ‘Help’, and go to ‘Trip and Fare Review’. Under the section, passengers can select ‘I was involved in an accident’ option.

Uber said its support team will reach out to the rider right away and guide them regarding the insurance process, after coordinating with the insurance partners.

In case of accidental death or accidental disability —permanent or partial— the passengers can claim insurance coverage of INR 5 Lakh. Accidental hospitalisation will prove coverage of up to INR 2 Lakh including OPD benefit maximum up to INR 50K.

However, there are certain terms and conditions applied:

• Uber is the master policyholder of a group insurance policy, which covers UberX trips issued by Bharti AXA and the UberMOTO and UberAUTO trips insurance policies are issued by Tata-AIG.
• Bharti AXA and TATA-AIG will be responsible for the payment of claims to the Riders. Uber does not hold any responsibility for making payment of claims.
• Neither Uber nor any of its affiliates are engaged in the business of provision, sale or distribution of any insurance products.

“At Uber, the safety of all our riders is at the heart of our business and their wellbeing will always be our top priority,” said Pavan Vaish, head of central operations for India and South Asia.

Uber’s Indian rival Ola had also launched a customer trip insurance, last year in April. The insurance covered missed flight due to driver’s cancellations or uncontrollable delays and medical expenses. For outstation trips, the insurance covered baggage loss and financial emergencies as well.

However, the passengers have to opt for this insurance by paying a premium of INR 1 for daily rides, INR 10 for Ola Rentals and INR 15 for Ola Outstation rides.

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