LPG related accidents can occur any time, any slight carelessness can result in death or severe injuries besides loss of property. And hence while many may not be aware all LPG consumers registered with OMCs are covered for such fatal accidents.
State oil marketers that engage in the marketing and distribution of LPG including Indian Oil Corporation, Hindustan Petroleum Corporation and Bharat Petroleum Corporation Ltd (BPCL) as well as dealers opt for an LPG gas insurance policy i.e. a type of group insurance cover.
The comprehensive Insurance Policy is bought under 'Public Liability Policy for Oil Industries' to provide speedy relief to the affected persons in case of LPG related accidents.
When does the cover under ‘Public Liability insurance’ for LPG gas accident becomes due?
Insurance for gas cylinder blast victims extended under the ambit of Public liability insurance opted by the OMCs comes into play when the losses arise out of accidents where LPG is the primary cause of fire and not for cases where the primary cause of fire is other sources/ reason wherein LPG cylinders gets engulfed and subsequently burst.
Extent of coverage provided to LPG gas victims due to its blast
In accordance with the Ministry of Petroleum & Natural Gas press release dated July 24, 2019, the policy provides for the following:
(i) Personal accident cover of Rs 6,00,000/- per person in case of death.
(ii) Covers medical expenses of Rs 30 lakh per event with a maximum of Rs 2,00,000 per person.
(iii) In case of property damage, it covers maximum of Rs 2,00,000 per event at authorised
customer's registered premises.
How To File Claim For Any Loss Due To LPG Accident?
In the event of an LPG blast you need to first communicate the incident to your dealer or distributor in writing, who then does the correspondence work with the OMC and the insurer. At this stage, the OMC after due verification assist the customer in completing the claim formality in respect of the accident and due claims are processed to the next of kin or customer involved.