Why should I take it?
  • The most important thing about accidents is that, they are Always Unpredictable.Hence, nobody knows when, how and under what circumstances, he may meet with an accident.
  • Despite all our precautionary measures, there is every possibility for any person to face an accident.
  • Moreover, nobody can predict the extent of damage an accident can cause.
  • Hence, we strongly believe that if have a mechanism/system where we get Immediate Attention, then the chances of reducing the damage is very very high.
  • Providing urgent medical attention to any kind of accident is our philosophy.
  • If we do so, we can actually prevent the accident from Turning Fatal
Why should I pay Rs.999/-?
  • When we can cover our motorcycles worth Rs.50,000/- against accidents by spending Rs.1000/- every year, Rs.999/- is too small an amount for our own safety and well being.
  • You actually will be spending as less as Rs.3/- per day for your protection.
  • We need to pay at least Rs.7/- for a cup of coffee or tea, which many of us have many times a day
If I do not meet with an accident, will you refund my money?
  • This premium is towards a cover which can be much much higher than the premium itself.
  • While one pays only Rs999/-, he enjoys a cover of One Lakh any number of times in a year!
  • Hence, I am afraid that our premiums are not refundable as this is a pure insurance cover.
  • Like for example, when we take a vehicle insurance we do not get any refund at the end of the year.
  • For your life, a coverage for the whole year for any number of times you meet with an accident, this amount of 999 is extremely small.
What is OPD cover?
  • When a patient undergoes all/any kind of treatment in a hospital without getting admitted, he qualifies to be an out patient.
  • This can happen whenever, one meets with minor injuries and accidents, where treatment can be taken without getting hospitalized/admitted in a hospital/nursing home.
  • At ARC, we cover upto Rs.10,000/- for an out patient treatment.

Claim Procedure

  • Intimate ARC within 24 Hrs of the incident/accident if it has occurred in
  • Bangalore and 48 hrs if outside Bangalore
  • Register a complaint & ask for a complaint number
  • The PRO (Public Relation Officer) shall pay you a visit at the earliest and guide you about making the claim
  • The medical expense as an out patient has to be borne by the patient and later claimed from ARC
  • The claim has to be made within 30 days of the treatment getting over.
  • Call ARC and intimate the claims department
  • The PRO shall pick up your bills from your doorstep and your claim shall be settled within 20 working days
What is in patient treatment?
  • When a patient has to get admitted in a hospital for receiving any type/kind of medical treatment, he qualifies to be an in-patient.
  • We have cashless treatment facility for our in patients.
  • This means they can get admitted and start the treatment without paying any deposit or advance.
  • Also, while getting discharged, if the expenses are within one Lakh, the patients can get discharged without paying a single rupee to the hospital
  • The hospitalisation should be for a minimum duration of 24 hours to avail the claim

Claim Procedure

  • Intimate ARC within 24 Hrs of the incident/accident if it has occurred in
  • Bangalore and 48 hrs if outside Bangalore
  • Register a complaint & ask for a complaint number
  • Our PRO visits the hospital
  • He facilitates cashless treatment if it is a network hospital of ARC
  • If it is not a network hospital, our PRO guides you for making the claims after the expenses are borne by you
I already have a Mediclaim policy.
  • It is very good to know that you are covered under Mediclaim; however, ARC offers unique feature that no other policy covers.
  • It is wonderful to know that. But however, our features are unparalleled. You will not get these features anywhere else.
How much tax do you charge?
  • As per Government of India regulations, we deduct a service tax of 10.36%.
  • This money goes to the Government and it is mandatory for us to collect.