LPG Insurance Policy

Features of the Public Liability Policy for Oil Industries

1. Premium amounts cannot be adjusted or taken from customers.
2. In the case of a claim, the amount is transferred to the Oil Company, who then remits the amount to the claimant.

1. Claims can be made on account of:
   1. Legal liability.
   2. Personal accident coverage to Third Parties and damage sustained at the registered premises of the customer.
   3. Extent of liability for claims and the total compensation allowed for claimant's costs and expenses incurred:
   4. Per event: Rs.50 lakh.
   5. Per person: Rs.10 lakh.
   6. Per year: Rs.100 crore.
   7. Personal accident insurance: Rs.5 lakh per person, per event, in case of demise.
2. Medical expenses covered up to Rs.15 lakh per event. Should be noted that the cap is Rs.1 lakh per person.
   1. Immediate relief of Rs.25,000 per person, per event.
   2. Property damage cover of up to Rs.1 lakh per event.

How to File an LPG Gas Insurance Claim

Aggrieved customers can follow this simple process to file a claim against their LPG Gas company and receive their due coverage amount:

1. If there is any issue faced during installation the customer must immediately contact the Gas company through the agent performing the installation, at the time of installation itself.
2. If there is any issue faced while using the cylinder, or it is noted that the cylinder itself is expired/defective, a complaint must be raised in person or online through the LPG company's website.
3. Once a complaint has been registered, the LPG company will intimate its area office to investigate the same.
4. If the damage is found to have been caused by the company' LPG cylinder, the area office/distributor will intimate the local office, who will then officially register a claim with the insurance company.
5. Applications, grievances, claims from the customer should not be sent to the insurance company directly. The LPG company will forward all claims to the insurer and take care of the benefit payout.
6. When filing a claim, the customers must submit these original documents, as applicable depending on the nature of the claim:
   1. Death certificate(s).
   2. Post mortem report(s).
   3. Coroner's report(s).
   4. Inquest report(s).
   5. Medical bills.
   6. Doctor's prescriptions.
   7. Discharge card.
7. Insurance company will send a surveyor to the premises where the event took place in order to assess the damages and loss.

Bharat Gas LPG Insurance

Bharatgas has an official page on its website that informs customers about their rights and limitations of coverage.

Indane Gas LPG Insurance Policy

Indane has a page on its official website that informs customers about their rights, procedures to be followed, and the limits on coverage

It is to be noted that claim rejection is high in these cases as oil companies scramble to protect their own interests and their public image perception in terms of safety. If anyone you know has suffered because of LPG related incidents, do not hesitate to approach lawyers or the company itself to demand your claim.