Eligibility Conditions for Claiming DSP Account Linked Insurance Benefit for Defence Personnelp
- Accounts of serving pers and Agniveers must have been converted into Defense Salary Account as mentioned and it must be ensured that salary ‘is being credited in the account. Upon retirement of the serving pers, the account must be converted into pensioner or veteran account,
- Casualty must be accidental in nature. Suicide and natural deaths are not eligible for insurance benefits.
- Injury/accident should not he under the influence of any alcohol or drugs.
- Injury should not be se[f-sustained..
- Accident should not have been as a result of any breach of law with a criminal intent
- Eligibility conditions differ for every bank and as per terms and conditions
- Signed in the MoU. All MoU are placed on Army Webpage under DG (MF&FS) for ready reference.
Process to claim DSP Account Linked Insurance Benefit
Following procedure must be followed for early approval on submission of PAI claim: –
- Nearest branch of the bank with which individual is/was holding the account, must be intimated by the unit/ fmn about the casualty within 30 days in ease of disability and at the earliest in case of death.
- Requisite forms must be collected from the concerned bank and submitted after duly filling up.
- Acknowledgement wrt intimation of cos as well as receipt of submission of documents must be collected from the bank.
(d) Submission of disability certificate must be ensured within a stipulated time as delay of more than 12 months in submission of the same may result in lapse/repudiation of claim.
Documents Required for Check Lists
Some of the common mistakes observed regarding PAP claims, result in rejection or no benefits upon casualty, are as under: –
- Post Mortem Report and FIR not mentioning death as ‘Accidental’.
- Account has not been updated to DSP account of the concerned bank
- Delay in 5ubmission of documents within a stipulated timeframe.
- Accounts opened with banks not having valid MoUl with Indian Army.
- Documents submitted with bank do not have contact details (phone & email ID) of concerned indl NoK & unit pers.
- Intimation wrt disability must be given to bank & insurance company within 30 days of accident.
- Claims submitted for natural death/ suicide not eligible.
- Salary Is being credited to an account in which DSP account code has not been mentioned.
- C of I not bringing out the exact cause of death attributing it to an accident. (k) PM & FIR not corroborating cause of death as ‘Accidental’. (l) Death caused due to natural/ medical reasons rather than accident
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