Document Detail
संदर्भसं.आईआरडीए
Ref No: IRDA/CIR/MISC/031/02/2021
परिपत्र
सभीसाधारणबीमाकर्ता(स्टैण्ड एलोनस्वास्थ्यबीमाकर्ताओंऔर विशेषीकृतबीमाकर्ताओंके सिवाय)
ALL GENERAL INSURERS (Other thanStand Alone Health Insurers and Specialised Insurers)
विषय
Re: Product Structure for Insurance of Remotely Piloted AircraftSystem (RPAS) / Drones
वर्तमानमें केवल कुछसाधारणबीमाकर्ता,विमानन बीमाके अंतर्गतवर्तमानउत्पादों केमाध्यम सेआरपीएएस/ड्रोनों केलिए बीमा कवरपेश कर रहेहैं। ड्रोनोंकी अनोखीविशेषताओं कोध्यान रखतेहुए, जो किउन्हें अन्यविमानों सेअलग करते हैंऔर विभिन्नउद्देश्योंसे ड्रोनों केइस्तेमाल मेंअभूतपूर्वविकास कोध्यान मेंरखते हुए,ड्रोन केमालिकों औरपरिचालकों कीआवश्यकताओंके अनुकूलवर्तमान बीमाउपलब्धता मेंवृद्धि करनेकी आवश्यकताहै।
Currently, only afew general insurers in the Indian Market are offering insurance cover forRPAS/Drones through existing products under Aviation Insurance. Considering theunique characteristics of Drones that differentiate them from other aircraftsand taking into account the phenomenal growth in the usage of Drones formultiple purposes, there is a need to augment the current insuranceavailability customized to the requirement of drone owners and operators.
2. ड्रोनों केलिए साधारणबीमाकर्ताओंद्वारा मूलभूतबीमा कवरउपलब्ध करानेके उपरोक्त उद्देश्यके अनुरूप औरउभरतीप्रौद्योगिकीआवश्यकताओंके लिए बीमाकवरेज केविकास में लचीलेपनऔर नवोन्मेषको सुविधाजनकबनाने के लिएनिम्नलिखितउत्पादसंरचनाउपलब्ध करायीगयी है।
In line with theabove objective of making basic insurance covers available by the generalinsurers for Drones and to facilitate flexibility and innovation in thedevelopment of insurance coverage for evolving technology requirements, thefollowing product construct is provided.
क
a.
प्राधिकृतपरिचालक की ओरसे किसीदुर्घटना या ड्रोनपरिचालन मेंत्रुटि केकारण शारीरिकचोट या मृत्युयासंपत्ति कोनुकसान सेहोने वालेतृतीय पक्ष दीवानीदावों के लिएक्षतियों का भुगतानकरने (
Indemnify theinsured against its legal liability (including Defence Costs) to pay Damages,for third party civil claims arising out of bodily injury or death or propertydamage, by an accident or a handling error on part of the authorized operator.Currently, TP Liability cover should be offered in line with Aircraft/ AviationLiability. The change, if any, in Government of India rules/guidelines inrespect of TP Liability cover for Drones from time to time may be adhered to.
ख
b.
बीमाकृतआरपीएएस कीमरम्मत/
Indemnify theinsured in respect of repair/replacement of the insured RPAS. RPAS means anUnmanned Aircraft System including payload, ground handling tools and/orequipment on Hull Agreed Value basis.
ग
c.
ड्रोनोंके परिचालन केदौरान यादुर्घटना के कारणभारत में कहींभी बीमाकृत
Indemnify theInsured/ Authorised operator for bodily Injury sustained by the Insured/Authorised Operator anywhere in India while operating drones and arising out ofan Accident.
घ
d.
बीमाकृत
Indemnify theInsured/ Authorised operator for the medical expenses who has been hospitalizedbecause of a Bodily Injury arising out of flight of the covered Drone.
ङ
e.
i. वैकल्पिककिराया
ii.
iii.
iv.
v. रात्रिउडान समर्थन /
vi.
vii.
viii.
Liability for damage to UASthat insured does not own
ix.
3. प्राधिकरणने अन्य बातोंके साथ-साथ उत्पादसंरचना के लिएसुझाव देनेहेतु एक कार्यसमूह का गठनकिया है। समूहने एक मॉडल उत्पादविकसित कियाहै जिसकीशब्दावली अनुलग्न
The Authority hadconstituted a working group to suggest, inter alia, product construct. Thegroup has developed a model product, the wordings of which are given inthe Annexure. All general insurers are encouraged to file thisproduct as per the procedure required under the extant Product FillingGuidelines. Alternatively, the insurers may design and develop their ownproduct keeping in view the minimum coverage as specified in the given PolicyWording. The filling of the said product/s may be carried out at the earliestto respond to the new and quickly growing market.
4. ऐसे उत्पादमें तृतीयपक्ष बीमा कवर कीअनिवार्य रूपसे पेशकश होनीचाहिए क्योंकिवह देयताजो ड्रो
Any such productshould necessarily offer third party insurance covering the liability that mayarise on account of any mishap involving drones and causing death or bodilyinjury to any person or damage to property.
हस्ताक्षरित/ sd.-
(यज्ञप्रियाभरत / Yegnapriya Bharath)
मुख्यमहाप्रबंधक(गैर-जीवन) /
संलग्नक/ Enclo:
नमूनाउत्पाद शब्दावली/ Specimen product wordings