Insurance scheme for domestic cooking gas (LPG) users cover Rs.40 Lacs for loss of life and injuries due to an accident with an LPG cylinder. All registered LPG consumers are covered under an insurance policy taken by the PSU Oil Companies.
However, due to NIL awareness levels, no claims are lodged against Domestic LPG explosions.
According to IOC Ltd Citizen Charter, the IOC distributor will offer assistance to the consumer in completing the formalities of insurance claims arising out of the accident.
http://www.iocl.com/download/Citizen_Charter_IOCL_Final_Ver_6_01_04_13.pdf
HPCL website states all registered HP GAS consumers (having valid SV) are insured against outcome of an accident at their registered premises due to LPG. Details are available with all the distributors and Customer Service Cell In addition, HPCL has also taken a Public Liability Insurance Policy.
http://www.hindustanpetroleum.com/documents/pdf/HPCL_Citizens_Charter.pdf
Valid SV stands for Valid Subscription Voucher.
The following are few simple tips:
01) Check with your LPG distributor on the requisites for a valid insurance claim.
02)Use only Original accessories which are ISI approved.
03)Request your dealer to do the maintenance check every year.
04)Preserve the maintenance check receipt.
05)In case of death due to explosion of gas cylinder, the victim’s family has to appeal in the court demanding compensation.
06)Insurance agents said it is very easy to get the claim — informs cops and gas agency, wait for survey by insurance officials and soon you will get the claim amount.
We Indian citizens have to create awareness amongst ourselves. No gas company or insurance company will create awareness. The main challenge in claiming the insurance amount is that the evidence has to be preserved till the survey by insurance officials. In majority of the households, the scene of accident is immediately cleaned up, so that the routine life can go on.
