Feeling worried about unexpected accidents or health scares without breaking the bank? The Post Office Insurance Scheme 399 (often called the Post 399 or 399 Post Office Scheme) is here to help! This ultra-affordable plan, offered through India Post Payment Bank (IPPB) in partnership with Tata AIG, is making waves. Forget complex jargon – let’s break down everything you need in simple terms.
Why This ₹399 Plan is a Game-Changer
Imagine getting solid insurance coverage for less than the cost of a family pizza night! That’s the Post Office 399 Insurance Plan. It’s designed for everyone – students, homemakers, farmers, small traders – not just government employees.
Key Perks You Get:
- Accident Cover: Up to ₹10 Lakh for accidental death or permanent disability.
- Health Support: ₹50,000 coverage for hospitalization due to accidents.
- Total Peace of Mind: All this for just ₹399 per year. Yes, yearly!
No hefty premiums, no confusing terms. Just straightforward protection.
Breaking Down the 399 Postal Insurance Details
Let’s get into the nitty-gritty of the Post Office Insurance Scheme 399 Plan Details:
| Feature | What You Get | Notes |
|---|---|---|
| Annual Cost | ₹399 only | Pay once, cover lasts 1 year |
| Accident Cover | ₹10 Lakh (death/permanent disability) | Valid 24/7, anywhere in India |
| Hospital Cash | ₹50,000 (for accident-related stays) | ₹2,500/day for up to 20 days |
| Who Can Join? | 18-70 years | No medical tests! |
This table sums up why the IPPb Insurance Scheme 399 Plan is so popular.
Who’s Eligible & What Paperwork You’ll Need
Almost any Indian resident aged 18-70 can grab this safety net. You’ll need:
- Aadhaar Card
- Basic KYC details
- Mobile number (linked to Aadhaar)
No medical checks! Your existing health doesn’t matter – a rare win in insurance.
How to Grab Your ₹399 Safety Net (Online in 5 Mins!)
Gone are the days of post office queues! Apply for your Post Office Accident Insurance 399 Plan Online easily:
- Visit the IPPB Website/App: Head to the official India Post Payment Bank site or download their app.
- Find the Insurance Section: Look for “IPPb 399 Insurance Online Apply” or “Post Office Accident Guard Policy Scheme Apply Online“.
- Fill Your Details: Enter name, age, Aadhaar, and nominee info.
- Pay securely: Use UPI, card, or net banking for the ₹399 premium.
- Get Confirmed: Your policy PDF (Post Office 399 Insurance Plan PDF Download) arrives via email/SMS instantly!
Prefer offline? Walk into any India Post or IPPB branch with your documents. Staff will guide you.
Don’t Miss Out! Key Dates & Deadlines
This scheme runs year-round, but cover starts only after you apply. There’s no fixed Post Office Insurance Scheme 399 Last Date, but policies expire yearly. Renew before your end date to avoid gaps!
Pro Tip: Bookmark the official India Post Payment Bank Insurance 399 Plan page for updates. If links change, search “Post Office 399 Insurance Scheme Details” on the IPPB site.
Why Choose This Over Other Plans?
- Cheapest Safety Net: At ₹399/year, it’s India’s most affordable insurance.
- Zero Hassle: Buy online in minutes, no health declarations.
- Trusted Partners: Backed by India Post & Tata AIG.
- Wide Coverage: Covers accidental death, disability, and hospital bills.
Unlike RD schemes or LIC plans, this is pure protection, not savings. Perfect if the budget is tight!
Got Questions? We’ve Got Answers!
Q: Is the ₹50,000 health cover only for accidents?
A: Yes! It kicks in only if you’re hospitalized due to an accident.
Q: Can NRIs apply?
A: No. Only Indian residents qualify.
Q: Where’s the policy document?
A: After applying online, download your Post Office 399 Insurance Plan PDF instantly.
Q: How to claim?
A: Inform Tata AIG via toll-free number/SMS with incident details. They’ll guide you.
Q: What’s the **Post Office Insurance Scheme 399 Plan Details Age Limit?
A: 18 to 70 years.
Wrapping It Up
The Post Office Insurance Scheme 399 is a revolutionary step toward “Insurance for All.” For less than ₹1.10/day, you secure ₹10 Lakh safety, perfect for families, gig workers, or anyone uncovered.
Ready to apply? Visit your nearest post office or head online today! Search “Post Office 399 Insurance Scheme Apply” to start.
Disclaimer by VolunteerBhadra:
“While we strive for accuracy, always verify scheme details on the official India Post or IPPB website. Policies can change. This article is for awareness only, not professional advice.”
I am Om, a passionate digital marketer certified by HubSpot with over 2 years of experience in content writing and SEO. With a strong background in digital marketing and a knack for creating engaging and informative content, I founded VolunteerBhadra.com to bridge the information gap and help individuals make informed decisions.
