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Personal Accident
We Cover
- Physical loss to an individual due to an accidental injury ( including fatal)
Who can be Insured ?
- Any individual or group of individuals ( through employer association and institution etc) aged between 5 and 70. Subject to medical examination at 70 a person can be covered up to 80.
Insured against what risk ?
- Death or disablement from accidental bodily injury ( anywhere in the world).
When an accidental injury being the sole and direct cause results ( during the period of insurance) in:
| Death | 100 % of Sum Insured |
| Permanent Total Disablement | 100 % of Sum Insured |
| Loss of two limbs/ Two eyes or one limb and one eye | 100 % of Sum Insured |
| Loss of one limb or one eye | 50 % of Sum Insured |
| Permanent Partial Disablement | Varying % of Sum Insured as per policy |
| Temporary Total Disablement | 1 % of Capital Sum Insured per week Subject to a maximum of Rs 3000 per week for a maximum period of 100 weeks |
On payment of extra premium medical expenses incurred up to 25 % of claim or 10 % of Sum Insured can be covered.
Policy also pays for education fund for dependant children (2) of deceased insured and expenses of carriage of dead body of insured from accident site ( as per details in policy)
Attractive cumulative bonus at the time of renewal by way of increasing the Sum Insured by 5 % for each completed claim free year of insurance ( maximum of 50 % CSI ) without collecting extra premium as per policy.
Policy will not pay under below circumstances:
- Compensation under more than one clause for same period of disability not exceeding capital sum insured
- Any payment after admission of a claim for 50 % / 100 % of Capital Sum Insured
- Any claim in the same period of insurance exceeding the Capital Sum Insured
- Suicide attempt there at VD criminal breach of law accidental death/injury under influence of liquor/drugs
- Pregnancy related claim
- War and nuclear perils