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Best Post Office Scheme 2025 | Post Office 520 & 320 Insurance Plan Details
Original: Best Post Office Scheme 2025 | Post Office 520& 320 Insurance Plan Details |
Takeaway
Post Office's 320/520 rupee accident insurance is a cheap safety net giving 5-10 lakh cover for those who can't access term insurance.
Summary
- Post Office Group Accident Insurance Policy (with Tata AIA, launched Oct 2022) — only Aadhaar and mobile number needed; eligible 18-65 years.
- Basic Plan: 320 rupees/year premium gives 5 lakh sum insured (website shows 10 lakh but brochure and customer care confirm 5 lakh).
- Covers accidental death, permanent disability, partial disability, and accidental dismemberment with up to 100% sum insured payout.
- Additional benefits: 50,000 emergency medical/dental expenses, 5,000 ambulance, 10,000 family travel (if 150km+), 50,000 one-time coma benefit (after 96 hours).
- Premium plan offers higher cover — ideal for daily wage workers, delivery boys, risky jobs who can't get term insurance.
insurancepost-officeaccident-cover
Original description
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