the insurer's Students Accident Welfare Policy is a GROUP Personal Accident insurance issued to educational institutions — schools, colleges, and universities — covering ALL enrolled students automatically. 24×7 worldwide protection for accidental death and permanent disablement. No individual student forms needed. The institution buys once; every student is protected.
the insurer Personal Accident· Group Policy· Educational Institutions· All Students Covered
the insurer's Students Accident Welfare Policy (SAWP) is a GROUP Personal Accident insurance issued to educational institutions — covering ALL enrolled students automatically against accidental death and permanent disablement, 24×7 worldwide.
Once an institution enrolls under SAWP, ALL registered students must be covered — the institution cannot selectively cover some students and exclude others. This universal enrollment rule ensures genuine welfare protection regardless of a student's family income, health status, or background.
Additions allowed: New students joining mid-year can be added by paying additional pro-rata premium.
No deletions allowed: Once enrolled, a student cannot be removed from coverage during the policy year.
Policy issued in the institution's name. Students covered as a group — no individual policy documents issued to students.
Group PolicyEvery enrolled student is covered automatically. No medical check-up, no individual forms, no income proof required.
All StudentsCovers students round the clock — during school, after school, on weekends, in transit, and at home. Not school-hours only.
Always OnAs low as ₹10–₹25 per student per year. Institutions protect hundreds of students for a fraction of individual policy costs.
AffordableBenefit paid directly to the student's parent or guardian as recorded in the institution's enrollment register.
Family ProtectedGovernment of India backed insurer. Trusted for student welfare schemes across India's schools, colleges, and universities.
PSU InsurerWhat SAWP Covers — 5 Accident Benefits
SAWP pays a lump sum benefit — directly to the student's parent or guardian — on death or permanent disability caused by an accident. Only ONE benefit is payable per accident (the highest applicable).
Death caused by bodily injury from external, violent, visible means within 12 months of the accident.
Total and irrecoverable loss of both hands/feet, both eyes, or one limb and one eye.
Total loss of sight of one eye, or physical separation/loss of one hand or one foot.
General PTD from the accident — permanently preventing the student from normal activities.
Specified body part loss or disability — percentage of Sum Insured per the insurer's PPD assessment schedule. Typically up to ₹500 per accident on standard ₹10,000 SI products.
This is a critical distinction: SAWP covers the student 24 hours a day, anywhere in India (and in some versions, worldwide). A student is covered while:
The most common question from school administrators: "Are sports injuries at school events covered?"
Each student has their own Sum Insured under the group policy. The claim is settled per student — not from a shared group pool. Typical SI options available:
Contact 022 4302 0000 for the insurer SAWP's current exact SI schedule and corresponding premium rates.
The Unique Mechanics of SAWP
SAWP has unique mechanics unlike any individual PA policy. Understanding these rules is essential for institution administrators responsible for the policy.
The school or college is the named policyholder. Individual students are covered under the group policy but do not hold separate policy documents. The institution is responsible for claim intimation and co-ordination with the insurer.
Every enrolled student must be covered — no exceptions. The institution cannot selectively cover some students and exclude others. This ensures universal welfare protection for every child regardless of family income.
New students joining after policy inception can be added by paying additional pro-rata premium. However, NO deletions are allowed — once a student is on the roll, they stay covered for the policy year. TC students (transferred) may follow special rules — confirm with the insurer.
The benefit is paid to the student's parent or guardian as recorded in the institution's enrollment register — not to the student (who may be a minor). Institutions must maintain accurate, current guardian records for smooth claims.
SAWP is an annual policy — renewed each academic year. The institution re-enrolls all students (with updated roll numbers and counts) and pays the fresh premium at the start of each policy year.
When an accident occurs, the INSTITUTION is responsible for notifying the insurer (not the parent directly). The institution then co-ordinates the claim submission with the parent/guardian and the insurer's claims office.
Institution notifies the insurer in writing immediately on learning of any accident to a student. Call 022 4302 0000 for immediate claim guidance.
Institution obtains the insurer's claim form and provides it to the student's parent/guardian along with the group policy number and details.
For death: Official death certificate + post-mortem report + FIR (if applicable).
For disability: Medical certificate from treating doctor certifying injury, cause, and % disability.
Institution provides a certificate confirming the student was enrolled and covered under SAWP on the date of accident. Includes enrollment details from school register.
Complete document set submitted to the insurer: Claim form + medical cert + death/disability cert + school enrollment confirmation + guardian's ID proof.
the insurer assesses the claim and settles to the parent/guardian within 30 days of receiving complete documents (IRDAI mandate).
Death certificate· FIR / police report· Post-mortem report· Legal heirship certificate· Guardian's ID proof· School enrollment confirmation· Completed the insurer claim form
Medical certificate from doctor· Disability assessment report· Hospital treatment records· FIR (if accident-related)· Guardian's ID proof· School enrollment confirmation· Completed the insurer claim form
Who SAWP Is Designed For
Any registered educational institution in India can purchase the insurer's Students Accident Welfare Policy. Here are the eight primary institution types that use SAWP.
State-mandated student welfare schemes. SAWP funded from education budgets — free for families.
Duty of care to students. SAWP added to annual fees at ₹10–₹25/student.
Arts, Commerce, Science colleges covering undergraduate students aged 18–22.
Professional colleges with lab, practical, and fieldwork accident risks.
All enrolled students across departments and affiliated colleges covered under one group policy.
Residential institutions — students in care 24 hours a day need round-the-clock cover.
Large student enrollments. SAWP provides affordable group accident cover for coaching students.
Hands-on training institutions where machinery and practical work increase accident risk.
| Student | Rahul, 14 yrs, Class 9 |
| Institution | Govt. High School, Karnataka |
| SAWP SI | ₹1,00,000/student |
| Event | Dies in road accident cycling to school |
| Benefit | 100% SI = ₹1,00,000 to parents |
| School cost | ~₹15/student/year (500 students = ₹7,500) |
| Student | Priya, 19 yrs, B.Com Year 2 |
| Institution | Private Arts College, Maharashtra |
| SAWP SI | ₹50,000/student |
| Event | Fractures leg at college sports meet — PPD |
| Benefit | PPD ~25% = ₹12,500 to guardian |
| Note | College sports = COVERED (not hazardous) |
| Student | Vikram, 22 yrs, MBA Student |
| Institution | State University, Tamil Nadu |
| SAWP SI | ₹1,00,000 (₹10/student scheme) |
| Event | Falls from hostel staircase — loses sight of one eye |
| Benefit | 50% SI = ₹50,000 to guardian |
| Uni cost | 5,000 × ₹10 = ₹50,000/year for all students |
SAWP vs Other Student Insurance Options
SAWP is a group accident policy for institutions — different in nature from health insurance, individual PA, or JPA. Here's how they compare and why they're complementary, not alternatives.
| Parameter | SAWP — Student Welfare Policy | Student Health / Mediclaim | Individual PA (Child) | JPA (Janata PA) |
|---|---|---|---|---|
| Who buys it | Institution (school/college) | Individual parent/student | Parent (for child) | Individual (age 10–70) |
| Who is covered | ALL enrolled students (group) | Individual enrolled | One child only | One person per policy |
| Covers accidents | ✔ Death + Disability | ✔ Medical expenses | ✔ Death + all PA benefits | ✔ Death + PTD + PPD |
| Covers illness | ✘ Accident only | ✔ Illness + accident | ✘ Accident only | ✘ Accident only |
| Hospitalisation reimbursement | ✘ Lump sum only | ✔ Bill reimbursement | Optional add-on | ✘ No |
| Lump sum on accident | ✔ Yes — to parent | ✘ No lump sum | ✔ Yes | ✔ Yes |
| Premium per student | ~₹10–₹25/student/year | ₹500–₹5,000+/year | ₹200–₹1,000+/year | ₹60/year (₹1L cover) |
| No. of students/persons | Entire institution (100s–1000s) | One at a time | One child | One person |
| Application per student | ✔ Not needed | ✘ Required individually | ✘ Required per child | ✘ Individual application |
| Best for | Institutions: universally protect all students | Comprehensive medical cover | High-SI individual child PA | Low-cost individual PA |
YES — parents can buy an individual PA policy (or JPA, or SSB) for their child IN ADDITION to the institution's SAWP. There is no restriction on holding multiple PA policies. Multiple policies multiply the total accident protection. At claim time, each policy is assessed independently. SAWP's lump sum from the institution + individual PA claim = combined family protection.
What SAWP Does NOT Cover
SAWP covers ACCIDENTS only — events caused by external, violent, visible means. Death or disability due to illness or disease is NOT covered. Standard the insurer PA exclusions apply.
SAWP is an ACCIDENT policy — death or disability from any illness, fever, infection, or disease is NOT covered. SAWP covers only accidents by external, violent, visible means.
Intentional self-harm, suicide, or attempted suicide is excluded. Must be an unintentional accident caused by external means.
Death or disability while under the influence of intoxicating liquor, drugs, or narcotics at the time of the accident is excluded.
Racing on wheels, mountaineering, winter sports, skiing, ice hockey, bungee jumping — professional or competitive hazardous activities. School sports are COVERED.
Death or disability arising directly or indirectly from insanity or mental disorder.
Injuries arising from the student's own breach of law with criminal intent.
War, civil war, nuclear radiation, or radioactive contamination — standard across all the insurer PA products.
Any disability that existed before the policy inception date. SAWP covers accident-caused disability, not pre-existing conditions.
Death or disability caused by venereal disease or illness attributable to HIV/AIDS — standard PA exclusion.
Any injury or death arising from or related to pregnancy or childbirth — standard PA exclusion where applicable.
Questions About SAWP
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Fill in your institution's details below. Our the insurer-empanelled specialists will contact you within one working day with the complete SAWP premium schedule, current SI options, and a customised quote for your student count.
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