Do you know that as an LPG (Liquefied Petroleum Gas) consumer, you can claim insurance coverage? Are you aware of your LPG Insurance Policy? LPG consumers are protected for accidental deaths and injuries in case the gas cylinders burst.
Some newspapers have carried articles on this topic (as below), and of late these reports are being widely circulated on Social media platforms (Facebook, Whatsapp etc.,).
As per the above media reports, LPG Consumers can claim insurance coverage of up to Rs 40 Lakh, in case of any accidents. This is partly true. LPG accident victims are covered for death and accident, but the insurance coverage is not Rs 40 Lakh, as reported. Also, the oil marketing companies do not take any special insurance policy or coverage for individual LPG consumers.
Both, the LPG companies (oil companies) and the LPG Distributors (Gas agencies) take Third Party Liability Insurance. No premium is collected from the LPG customer. The LPG accident victims can claim insurance from the company and also from his/her local Gas Agency (distributor).
This third party liability policy (public liability policy) provides personal accident cover, reimburses medical expenses and covers property damage at authorized customer’s registered premises. The sum assured given to the accident victims is based on per event (accident) and per person (victim).
I did a little bit of research and found the copy of ‘Public Liability Policy’ taken by Indian Oil (Indane Gas), Bharat Petroleum (Bharat Gas) and Hindustan Petroleum (HP Gas) companies. These companies have taken the insurance policy from United Insurance Company Ltd.,
Below are the insurance coverage details;
Click on the below image to download the Public Liability Insurance Policy. (Information on ‘Claim procedure’ is also available)
The maximum ‘limit of liability‘ is as follows;
In addition to the above insurance, the LPG distributors also have third party liability insurance to cover losses, in the event of an LPG accident . I have tried to get the ‘third party insurance cover’ details from my distributor, but without much success. You may also try to get the details from your respective cooking gas distributor. If you are able to source some information, do share the details.
How to claim the insurance in case of an accident?
Procedure to be followed by the LPG customers..
Every year hundreds of LPG cylinder related accidents are reported. Oil marketing companies and Distributors pay crores of rupees as Insurance premiums. But due to lack of awareness about the LPG insurance policy, not many insurance claims happen.
Actually, Gas Agencies are supposed to display information about the LPG insurance policy on their notice boards. They should inform customers about the insurance cover. But no such measures are being taken.
So, share this information with your friends. Spread the word.
(References : mylpg.in & hindustanpetroleum.com)
This post was last modified on July 10, 2023 6:34 pm
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Sir i need my gas cylender make insur how make tell me
Dear Khayum ..There is no need to apply for any separate insurance for this, if you take LPG connection then automatically you are eligible for this insurance. No need to pay any insurance premium too.
really a goood news as iam not aware of this insurance before seeing this post. every lpg customer should know it.
sir kitne ka bima distibuter dwara milega , hame manthly kitna premium dena hoga
Dear anil ..The coverage amount is Rs 40 Lakh and there is no need for you to pay any premium.
ok thanks sir so much
Dear sir,
Pls Suggest Me...
Recently I got Fire Accident in My Home Due to Gas, Luckily We are Safe. But I Have Lost All My Property inside Of My Home So, Pls Let Me Know Is there any Insurgence for my Fire Accident. It Would be helpful for me.
Thank you Very Much
Dear RAZAK..Did you file FIR in the nearest police station? Kindly visit your LPG distributor office, inform them about the accident and submit the claim forms.
Thank you Very Much
sir..
hi,
My elder bother's house complete damaged due fire on dated 03/09/2016 ( suspected due to gas cylinder vrust/ electric shurtcurit) at 1.30 AM approximately.
Can he is eligible for calming the insurance.
Kindly suggest
Dear Umesh..If the accident is due to cylinder burst then you can contact your LPG distributor and submit the claim form. Also, do inform about the accident to Police.
HI , my father passed away due to fire accident due to gas ... how to proceed further . accident due to gas leak by mistake... will it cover the insurance . Your response will be helpful
thanks,
bala
Dear Bala.. Kindly contact your LPG gas distributor immediately and inform about this accident.
Kindly go through the points given in the above article under 'How to claim the insurance in case of an accident?'
sir, how to get for cylinder in kolkata. i damber subba Iam service in kmc kolkata. Iam staying rented in pannasari (behala) the owner of house not rent ed receipt .because my document all kalimpong add. I went to needed for cylinder.
Dear sreekanth,
U r doing a great work, providing awarness itself a good work.
I just wanted to ask your opinion about income tax,
As you know people are paying many taxes like service tax, sales tax , exercise tax and many kind of taxes,
They are paying lots of money on the name of tax. And more important income tax if a person gets 10 lacs of earning he almost pays near about 3 lacs with the name of income tax,.....
What you think paying income tax to the govt. Is right or wrong
Dear Rajesh,
It's a law, we have to abide to it, whether we like it or not.
Govt needs money to serve public and build economy and income tax collections are one of the primary sources of income to the Govt.
Sir mere father ka khana banate samay 29/6/2016 ko gas leakage ki wajah aag lag gaya unko aims me admit karaya gaya waha par 1/7/2016. Ko unki death ho gai mujhe insurance claim karne k liye kya karna chahiye plz sir detail me bataye...
Dear aditya ..You need to inform about the accident to your LPG distributor. The distributor then informs the concerned oil company and the insurance company about the same. You are required to submit to the Oil Company the originals of Death Certificate(s) and Post-Mortem report(s) /Coroners report/Inquest report, as applicable, in case of deaths.
Sir jab hamne distributer se contact kiya to o mnaa kr rhe h ki aisa koi insurance nhi h sir plz help me
Dear aditya ..I believe that they are mis-leading you.
Dear aditya,
Lodge an fir, to the name of distributer for misleading and providing wrong information,
There after he will guide you for the same,
There are many ways to get ur work done just think about it, which one is best and easy for you
Sir, my friend has applied for lpg fire accident death claim .The distributor had rejected the application by saying that he was surprised to hear the death caused due to lpg leakage accident and the accident happened at June 2014 the application was filed in February 2016 he simply rejected why you have not applied for nearly 18 months. in the application it is mentioned that the delay is due to awareness and nothing else thanks that . since he is uneducatedtthough the occurrence was informed to the dealer immediately but he don't know about the. claim procedures . what is the next step he has to take ? Whether to apply to the higher office or to file in consumer forum or in civil court of law ? Then your title says up to rs 40 lakh can be got but in the box news it is mentioned as rs 5 lakh for death rs 1 lakh for medical treatment and rs 1 lakh for property damages and at the same time it is mentioned in the same time mentioned in the United India insurance company policy as rs 10 lakh for death and rs 50 lakh for event which is correct , it is confusing please explain it clearly . Thankyou .