IPPB Aditya Birla GAG (Group Accident Guard) Insurance Policy Fetaures - Postalstudy | Post Office Blog | Materials for | Exams

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IPPB Aditya Birla GAG (Group Accident Guard) Insurance Policy Fetaures

Introducing IPPB (India Post Payments Bank) Aditya Birla Comprehensive Defense Scheme (Group Accident Guard) Insurance Scheme.

In a pioneering move, India Post Department's Shimoga Division has partnered with India Post Payment Bank to bring you the Aditya Birla Comprehensive Defense Scheme, aimed at providing robust accident insurance coverage for individuals aged 18 to 65 years. This initiative underscores their commitment to safeguarding the community against unforeseen accidents.

Key Features of the Scheme:

1. Sum Assured Options:

  • ₹15 Lakh Cover: Annual Premium of only ₹749
  • ₹10 Lakh Cover: Annual Premium of only ₹549

2. Coverage Highlights:

  • Accidental Death Benefit: In the unfortunate event of accidental death, the scheme provides financial compensation to the nominee.
  • Permanent Total Disability: Full sum assured is paid out in case of permanent total disability due to an accident.
  • Permanent Partial Disability: Provides financial support equivalent to 5 times the sum assured for permanent partial disability.
  • Accidental Hospital Cash: Daily cash benefit for hospitalization due to an accident, ensuring financial relief during recovery.
  • Inpatient and Outpatient Costs: Covers medical expenses, including inpatient and outpatient treatment costs, up to ₹60,000 and ₹30,000 respectively.
  • Cremation Assistance: Offers assistance for cremation expenses in the event of accidental death.

Comprehensive Protection for Various Accidents:

The scheme covers a wide range of accidents including road accidents, slips and falls, snake bites, fire accidents, and electric shocks. This comprehensive coverage ensures that policyholders and their families are protected financially from the aftermath of such incidents.

Accessibility and Support:

For more details about the Aditya Birla Comprehensive Defense Scheme, individuals are encouraged to reach out to their local postman or visit the nearest post office. This accessibility ensures that information and enrollment processes are convenient and readily available to all.


The Aditya Birla Comprehensive Defense Scheme by India Post Department Shimoga Division, in collaboration with India Post Payment Bank, stands as a beacon of security and support for the community. With affordable premiums and extensive coverage, this initiative aims to provide peace of mind and financial stability to individuals and families in times of unexpected accidents.

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