Insurance for Students and Staff

KIOT is associated with leading insurance companies for the benefit of students, faculty and supporting staff and the college pays premium for the same.

Special features of the Insurance Policy

  • It covers accidents due to two wheeler, lorry, bus, van, train and Air traffic.
  • All natural calamities like Tsunami, Earthquake, Tremors, Floods, Volcanic eruptions are also covered.
  • There is no limit on number of accidents in a year.


  • Hospitalization covers for Rs. 40,000/- due to accident (applicable for both students and staff)
  • Educational grant up to Rs. 2,00,000/- in case of accidental death of the earning parent / guardian of the students.
  • Accidental death covers for Rs. 50,000/ (Applicable for both students and staff)

Treatment for Injuries

Treatment can be taken for injuries in any of the network or non-network Hospitals of the insurance company in India. The college ID card and a letter from the college is sufficient to get admission in the hospital for the treatment. For the treatment taken in non-network hospitals, reimbursement can be made.

How to Claim?

The following documents are to be submitted to Insurance Company through college office to claim:

(a) For Accidental Medical Expenses

  • Claim form duly signed
  • Policy copy
  • Claim notification
  • Discharge summary
  • Hospitalization Reports, Bills
  • Medicines bills with Dr’s Prescription
  • Hospital payment receipt
  • Lab reports, if any

(b) For Fatal Accidents

  • Claim form duly signed
  • Policy copy
  • Hospitalization Reports, Bills
  • I.R
  • Post Mortem Report
  • Death Certificate
  • Legal Heir Certificate
  • And other relevant documents.

Settlement Period

Normally six to nine months, if all documents are proper.