Pathao Safety

If any riders or customers get into an accident while taking a ride through the Pathao User Application and meet the criteria of Pathao policy, then they shall be entitled to such insurance coverage. Both Users and drivers are eligible for insurance claims from starting of the ride to completion of the ride. Every Pathao ride is insurance covered except for offline rides.

Criteria for insurance claim are as follows:

1. Genuine Date of Birth
2. Valid Driving License and Valid Bluebook
3. Genuine User Name
4. Ride should be “ONLINE”
5. Safety Coverage is covered only when ride is “STARTED” and until when it “ENDS”
6. The vehicle used must be the one registered onto Pathao

1. For Two-wheeler Bike Service Users (Each Rider and Customer)

Mode of payment/reimbursement:

1. Reimbursement of medical expenses is to be made through account payee cheque to the insured victim.

2. One Time payment through payee cheque is to be made to the nominee of the insured deceased victim, in case of accidental death.

Term and Conditions shall be applied as per Safety Coverage Policy.

Note: Each customer and rider will have the sum assured of 10 lakhs (For Section 1.1 or, 1.2) & up to 1 lakh (For Section 1.3 or, 1.4).

2. For Four-wheeler Car Service Users (Each Captain and customer)

Mode of payment/reimbursement:

1. Reimbursement of medical expenses is to be made through account payee cheque to the insured victim.

2. One Time payment through payee cheque is to be made to the nominee of the insured deceased victim, in case of accidental death.

Term and Conditions shall be applied as per Safety Coverage Policy.

Note: Each Captain and customer will have the sum assured of 5 lakhs (For Section 2.1 or, 2.2) & up to 1 lakh (For Section 2.3 or, 2.4).

3. For Two-wheeler Food Service User (Each Foodman)

Mode of payment/reimbursement:

1. Reimbursement of medical expenses is to be made through account payee cheque to the insured victim.

2. One Time payment through payee cheque is to be made to the nominee of the insured deceased victim, in case of accidental death.

Term and Conditions shall be applied as per Safety Coverage Policy.

Note: Each Foodman will have the sum assured of 5 lakhs (For Section 3.1 or, 3.2) & up to 1 lakh (For Section 3.3 or, 3.4).

I. Claim form duly filled along with doctor’s signature and hospital’s stamp which you can collect from Pathao Office.

II. Police Report/ Milapatra, from concerned authority, related to the Accident/Incident.

III. Other documents as per the below cases:

A. In case of Hospitalization due to Accident:

A proper doctor/ orthopedics’ letter mentioning the reason(s) of Hospitalization along with all supporting medical reports such as X-ray, City scan, MRI or similar relevant documents (if any). The Original/Photocopy document of the Doctor’s prescription/ advice for hospitalization and discharge summary from the Hospital is also necessary along with the Original medical VAT/PAN bills. (Copy of original bill shall not be entertained)

B. In case of Permanent and Total Disability due to Accident:

A proper doctor/ orthopedics’ certificate mentioning the reason(s) of Permanent and Total Disability along with all supporting medical reports such as X-ray, City scan, MRI or similar relevant documents (if any), Original/Photocopy certificate relating to disability from VDC or Municipality. The original/photocopy of the Doctor’s prescription/ advice for hospitalization and discharge summary from the Hospital is also necessary along with the Original medical VAT/PAN bills.

C. In case of Accidental death:

Photocopy of Death Certificate from the Municipal Body, Death Certificate from the concerned authority of the Hospital along with the Autopsy/Post-mortem report, Letter from concerned CDO relating to death and compensation, Police Certificate related to death and Spot Investigation Report (Ghatnasthal Laas Jach Muchulka), (photocopy of Citizenship and Relationship certificate of the deceased and Nominee / Beneficiary along with the photocopy of License and blue book copy).

Yes, there are deadlines for submitting a claim document depending on the claim type.