The maximum accident death benefit under Sambal Card 2.0 is ₹4,00,000 paid to the registered nominee. This is separate from the natural death benefit of ₹2,00,000. The accident must be verified by a police FIR and post-mortem report. The claim must be filed within 1 year of the accident date.

The permanent disability benefit is calculated based on the disability percentage certified by a government hospital medical board. Total permanent disability (100%) gets ₹2,00,000. Partial disability between 50–99% gets ₹1,00,000. Partial disability between 25–49% gets ₹50,000. Disabilities below 25% are not covered under this benefit.

Yes, a police FIR is mandatory for accident death and disability claims. The FIR establishes the nature and cause of the accident. Without an FIR, the claim will not be processed. File the FIR at the nearest police station immediately after the accident — do not delay as this can complicate the claim later.

The claim must be filed within 1 year (12 months) of the accident date. Claims filed after 1 year are generally not accepted. Do not delay filing — start the process as soon as the immediate medical situation is stabilised. The Sambal portal allows online claim submission, or you can file through the nearest CSC centre.

Yes. The funeral assistance of ₹5,000 is separate from the accident death benefit of ₹4,00,000. Both can be claimed simultaneously. The funeral assistance is processed faster (same day or within 24 hours) and can be claimed at the Gram Panchayat or CSC centre. File the accident death benefit claim separately on the Sambal portal.

Accident benefit claims typically take 60–90 days to process after all documents are submitted. The process involves police verification, post-mortem report review (for death claims), and medical board certification (for disability claims). Ensure all documents are complete when filing to avoid delays. If processing exceeds 90 days, file a grievance on the Sambal portal.