LPG Gas Cylinder Insurance Explained in Hindi | By Ishan




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LPG Gas Cylinder Insurance Explained in Hindi | By Ishan

As per the media reports, LPG Consumers can claim insurance coverage of up to Rs 40 Lakh, in case of any accidents. This is partly true. LPG accident victims are covered for death and accident, but the insurance coverage is not Rs 40 Lakh, as reported. Also, the oil marketing companies do not take any special insurance policy or coverage for individual LPG consumers.

Both, the LPG companies (oil companies) and the LPG Distributors (Gas agencies) take Third Party Liability Insurance. No premium is collected from the LPG customer. The LPG accident victims can claim insurance from the company and also from his/her local Gas Agency (distributor).

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).

I did a little bit of research and found the copy of ‘Public Liability Policy’ taken by Indian Oil (Indane Gas), Bharat Petroleum (Bharat Gas) and Hindustan Petroleum (HP Gas) companies. These companies have taken the insurance policy from United Insurance Company Ltd.,

Below are the insurance coverage details;

Personal Accident cover – Rs 5 Lakh Per Person Per Event.
Medical Expenses Max cover – Rs 15 Lakh Per Event.
Property Damage cover – Rs 1 Lakh Per Event

Procedure to be followed by the LPG customers..

*In case of the unfortunate event of an accident, the LPG customer must immediately inform the distributor in writing. The distributor then informs the concerned oil company and the insurance company about the same.

*Customers are not required to apply to Insurance Company or to contact them directly

*Customers are required to submit to the Oil Company the originals of Death Certificate(s) and Post-Mortem report(s) /Coroners report/Inquest report, as applicable, in case of deaths.

*Customers are required to submit, Original Medical Bills, Doctors’ Prescriptions in original supporting the purchase of the medicines, Discharge Card in original and any other documents related to the hospitalization in case of injuries.

*In case of property damage at customers’ registered premises, the Insurance Co. appoints their Surveyor to assess the loss.
Your local distributor has to assist you in completing the formalities of an insurance claim.

*To ensure that your claim is not rejected, you should use ISI-mark accessories (such as lighter and gas pipe). You should also ask your gas dealer to carry out maintenance checks at regular intervals.

Every year hundreds of LPG cylinder related accidents are reported. Oil marketing companies and Distributors pay crores of rupees as Insurance premiums. But due to lack of awareness about the LPG insurance policy, not many insurance claims happen.

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